davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. The items are listed below : XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$100.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX  Balance : {$0.00}XXXX XXXX XXXX XXXX Balance : {$510.00}, XXXX XXXX Balance : {$25000.00}, XXXX XXXX XXXX XXXX Balance : {$1900.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$290.00}, XXXX XXXXXXXX XXXX XXXX Balance : {$840.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (MN)

Had a credit account that was assigned in my divorce. Unfortunately, Navy Federal Credit Union charged the account off as a bad debt. I contacted Navy Fed and inquired about this debt and ability to open a checking account once this was paid off. The rep on the phone said yes, once paid off you will become eligible. 

XX/XX/XXXX, account was paid off with letter in hand stating balance was XXXX and now Navy Fed has changed their position and said I am now permanently banned from opening an account. They decietfully lied to me in order to get this account paid off. I have been informed that there is no way I will be allowed to open any accounts because Navy Fed lost money even though the account is paid off. This is their problem not mine and I am being punished for it. I was intentionally misinformed and now they don't want to make good on their promise to allow me back as a member now that the debt is paid off.
Consumer complaint received 2017-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

XXXX credit inquiry 8 times in XXXX XXXX XXXX XXXX XXXX 2 times in XXXX XXXX
Consumer complaint received 2023-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (SC)

Had a barcleys credit card opened in XXXX 

Rewards stolen, apr incorrect, credit line, and tried to reopen, declined... all credit stolen ... by XXXX 

Identity ... theft defamated discriminated forgery restricted discriminated ilegally, persecuted ilegally, retaliated defamated blacklisted Miles rewards, etc.. gone...
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: NCB Management Services Inc. (FL)

This is an auto loan account that is being reported to the credit bureaus that I do not recognize and I am not aware of. This is clearly fraudulent. Listed below are the details. 

NCB Management Services Accnt # : XXXX Opened : XX/XX/2018 Balance : {$12000.00} Tried to dispute this account multiple times but the company did not take action on the dispute I filed. I am attaching my FTC Affidavit to back up my claims.
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen there was inquiries on my report that I did not authorize causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX XXXX from Pennsylvania from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and 8 inquiries I didn't authorize its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times.transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WI)

I filed a reinvestigation dispute request with Experian in XXXX of XXXX. Pertaining to an account that is listed on my consumer report by the name of XXXX XXXX. With the account number shown as being # XXXX. As you can see the " date last active '' that is being reported by Experian under this account shows XX/XX/XXXX. But XXXX is reporting that the " date last active was on XX/XX/XXXX. This is a major violation of my consumer rights under the Fair Credit Reporting Act and Experian is being non-complaint by not following metro 2 complaince standards. And I demand this entire account be deleted from my credit report.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XX/XX/XXXX Account Number : XXXXXX/XX/XXXXAccount Number : XXXX XX/XX/XXXXXXXX Account Number : XXXX XXXXXX/XX/XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXXXX/XX/XXXXXXXX Date of inquiry : XX/XX/XXXX XX/XX/XXXXDate of inquiry : XX/XX/XXXX XX/XX/XXXXDate of inquiry : XX/XX/XXXXXX/XX/XXXXDate of inquiry : XX/XX/XXXX XX/XX/XXXXDate of inquiry : XX/XX/XXXX XX/XX/XXXXXXXX Date of inquiry : XX/XX/XXXX XX/XX/XXXX Date of inquiry : XX/XX/XXXXXX/XX/XXXXDate of inquiry : XX/XX/XXXX XX/XX/XXXX Date of inquiry : XX/XX/XXXXXX/XX/XXXX Date of inquiry : XX/XX/XXXXXX/XX/XXXX Date of inquiry : XX/XX/XXXXXX/XX/XXXX Date of inquiry : XX/XX/XXXX XXXX XX/XX/XXXXDate of inquiry : XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXDate of inquiry : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXDate of inquiry : XX/XX/XXXXXX/XX/XXXXDate of inquiry : XX/XX/XXXXXX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX of inquiry XXXX XX/XX/XXXX MXX/XX/XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-02-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (IL)

On XX/XX/2023, I initiated what is known as a " reversal '' of a Bitcoin deposit to my XXXX XXXX XXXX wallet. XXXX informed me it was unable to accept it due to unspecified " security reasons. '' I reversed it to my Coinbase Bitcoin wallet. Upon inspection, it was sent to coin base with less than ten percent of the original fee. Coinbase shows it as received. XXXX XXXX  confirms it was received by coinbases network on the tenth. However, I still do not have access to the funds. Coinbase has stated it has simply not been confirmed and to contact XXXX XXXX. XXXX states to contact receiving wallet. My tax documents from either sight don't show this amount in any of the 1099s for 2023. I do not know who I need to contact regarding this. It is the industry standard that after a few weeks at most the funds will be kicked out of the mempool and would need to be resent. It has been three months. I have contacted both companies numerous times seeking resolution. Exact dates and times would be excessively burdensome due to the sheer amount.
Consumer complaint received 2023-05-22
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

On XX/XX/2023 an unauthorized transaction was made on my account in the amount of {$1600.00}. I was unaware of this transaction until XXXX XXXX. Once I became aware I contacted the card issuer ( My Wisely ) to start a fraud claim. The card issuer stated they would send out a replacement card and fraud paperwork to complete my claim. I received a new card in approximately XXXX days. I contacted the card issuer again on XX/XX/2023 because I had yet to receive any paperwork. The phone representative stated that the paperwork is sent from a different department and usually takes XXXX business days to arrive. I inquired about receiving the paperwork by email and was told that was not an option and I should get it in the mail soon. I was told the dispute process was already underway and could take up to 90 days to complete. On XX/XX/2023 I received a letter stating that " The investigation has been finalized and we've determined that there was no error. No credit will be issued ''.
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

hi transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen there was inquiries on my report that I did not authorize causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX XXXX from Pennsylvania from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and 8 inquiries I didn't authorize its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 10 times.transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2023-11-27
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: FREEDOM FINANCIAL NETWORK (FL)

Hello, I hope this message finds you well. I am writing to bring to your attention a pressing matter regarding a debt settlement agreement that appears to have been mishandled by Freedom Debt Relief ( FDR ) and its affiliated companies.

Six months into my dedicated account with FDR, I was directed to XXXX XXXX, who proposed a loan through XXXX XXXX  to settle thr
ee credit cards. Regrettably, the subsequent contract from XXXX XXXX failed to specify the inclusion of all three cards. Consequently, my credit report now indicates an outstanding balance of {$6000.00} for XXXX, one of the originally enrolled cards. 

Upon contacting the XXXX XXXX XXXX XXXX XXXX, responsible for XXXX, I learned that FDR failed to fulfill the settlement agreement of {$2400.00} proposed on XX/XX/XXXX The settlement was never executed, rendering it void. 

I have diligently paid XXXX XXXX  every month, believing that all three cards were included, only to discover that they are handling only two of them. I urgently seek your assistance in facilitating an escalation with FDR and Achieve to rectify this misleading situation and ensure the settlement of the pending XXXX balance on my credit reports. 

Your prompt attention to this matter is greatly appreciated, and I look forward to a swift resolution to restore accuracy to my credit profile. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 NOTICE OF ERROR AND OPPORTUNITY TO CURE WITH INSTRUCTIONS Overview It has come to my attention that account ( s ) # XXXX, # XXXX, # XXXX reported three ( 3 ) times, # XXXX as well as 17 unauthorized uses in the form of inquiries that I discovered as well. So since 15 USC 1681 ( b ) states the reporting of my consumer report shall be fair and equitable to me, the consumer. That being stated, I would like for you to provide the documentation that has my expressed consent given even allowing you to allow anyone or any company to furnish reports on my consumer report or the documentation that has my express consent given allowing your agency to hold and distribute my private property. You are reporting inaccurate as well as unverified information pursuant 15 USC 1681 ( n ), ( o ) which holds your agency liable to me the consumer {$1000.00} per violation for failure to meet requirements of the law due to willful non-compliance as well the damages I have incurred due to negligent non-compliance, everything your agency is reporting is adverse toward me the consumer and if these issues are not cured within 72 hours from the reading of this notice an opportunity to cure by becoming fair and equitable on behalf of me, the consumer. I will be pursuing damages in small claims. I would like every account verified and reported accurately. I will be forwarding all correspondence to CFPB, FTC, Postmaster Inspector General, as well as the IRS. If your agency doesnt respond or perform within the time specified above i shall assume you are in agreement with the facts stated herein and will wire me XXXX as an out of court settlement for defamation, mental stress, financial hardships, violation of my privacy which is furnishing my PRIVATE information WITHOUT MY EXPRESSED PRIOR CONSENT which is a right recognized within 15 USC 1681 & 1692 consumer has the right to privacyunless your company or any of your constituents can produce such document ( s ) of me granting you or any of your constituents the permission to report inaccurate and unverified reports if such document ( s ) exist. Hopefully we reach an amicable resolution as this is done with clean hands and in good faith without prejudice. All rights reserved. 
XXXX XXXX XXXX XXXX XXXX XXXX Representative
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

30 days late payment is incorrect please update payment was not established with account holder. I XXXX XXXXXXXX XXXX XXXX AUTO/FIXED RATE XXXX Days Late : XX/XX/XXXX, XX/XX/XXXX, XXXX Days Late : XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-22
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Newport Intermediate Inc. (NY)

Every single time that my payroll is deposited, I'm only allowed XXXX cash withdrawal on my card within a business day. XXXX has falsely stated that customers can make daily cash withdrawals within their daily limits when in fact that is not true. My daily cash limit is {XXXX}. I can't withdraw that amount in XXXX transaction so every time I attempt to make a XXXX  withdrawal, it's declined. XXXX  has stated that it's a red-flag security feature and that customers should wait XXXX minutes before attempting a XXXX  withdrawal. Time after time even after the XXXX minute wait, my XXXX XXXX withdrawals are always declined. A XXXX XXXX manager advised me today to wait either an additional business day to make a withdrawal or to go into a bank and make a cash advance. XXXX XXXX has falsely presented itself to my employer as a trusted provider for business payroll services when it is in fact not. What is stated in their disclosure and fees does not reflect what customers are experiencing. Why should I be subjected to only {XXXX} of my hard earned money every time that I am paid? XXXX XXXX is based in the United States. I make all my cash withdrawals in the United States yet XXXX XXXX charges me an XXXX ATM withdrawal fee of XXXX} when their fees and disclosures shedule states that there's only a {XXXX} fee for domestic withdrawals. I'm in the XXXX on XXXXXXXX XXXX It's absurb. XXXX XXXX will say anything to get into business with employers regarding payroll services but they also need to be held accountable for the promises they claim yet fail to deliver.