davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$640.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$940.00} ; XXXX, XXXX & XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$640.00} ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance Owed : XXXX ; XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$940.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-06-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Experian Information Solutions Inc. (CA)

I was XXXX since XX/XX/XXXX and released on XX/XX/XXXX so theres no way it was me, I talk to my XXXX XXXX XXXX  and I file a FTC complaint report, I try fix this problem do to identify theft, I have try everything to remove it if my credit report since its stopping me even on my personal life after this new XXXX  law suit against all companys involved in this matter, so this my final complaint even law enforcement dont do nothing about it
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX  XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$640.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$940.00} ; XXXX, XXXX & XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$640.00} ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance Owed : XXXX ; XXXX, XXXX & XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$940.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a letter to XXXX bureaus to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX Balance : {$3800.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$540.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX CA XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AK)

Dear Investigator, Thank you for taking your time to help me resolve this problem. 
Background : Prior to XXXX XXXX - Contacted by fraudster claiming to be XXXX XXXX. They left a message, I did not return the phone call and contacted XXXX, they confirmed it was fraud, I took no further action. 
XX/XX/XXXX - I received a letter from XXXX XXXX  notifying me that a CC application had been submitted with my name and SSN. This was fraud. I contacted XXXX XXXX and they cancelled the request and suggested I call Experian and have a Fraud Alert placed on my credit report. I did as instructed. 
The Problem - There is not a person I was able to speak to at Experian. The automated system is unwieldy, confusing and unhelpful. No matter how hard I tried, I was unable to put a Fraud Alert on my credit report. Instead the automated system put a Freeze on my Credit. I do not want a Freeze on my credit. The automated system gave me pin number very rapidly and the signal broke up. I was unable to write down that number or even hear most of it. I was unable to get the automated system to repeat the number. Now my credit is frozen and I have no way to unfreeze it. 
The Damage - I am not longer a citizen with the right to finance a car, home, education, or short term loan for emergencies or entrepreneurial opportunity. The damage that I have experienced is significant and I see no way to rectify this for the rest of my life if I can not speak to a person at Experian. The credit reporting agencies should be required to have personnel available to answer the phone so that the agencies do not strip citizens of their right to have credit with no fault of the citizen.
Consumer complaint received 2018-05-11
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: Risecredit, LLC (CA)

XX/XX/2018, unpermissible provisions in pulling my credit It is your responsibility to ensure your permissible purpose in accordance to the fair credit reporting act before reviewing a consumers credit
Consumer complaint received 2023-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

I went to an unapproved ATM trying to withdraw {$40.00} from my checking account on XX/XX/23 at approximately XXXX XXXX. The ATM did not dispense the money, showing RESTRICTED CARD as the error code and I have the receipt showing said information. I then went to an approved ATM and was able to withdraw the {$40.00}. My bank account then showed two charges. One for {$40.00} ( the amount I withdrew from the approved ATM and also another charge of {$43.00} as and an ATM withdrawal and an additional charge of {$2.00} as an ATM fee. I called the bank explained the issue but they didnt reverse the transaction, despite me having a receipt showing the error code. 

I dont know if any ATM that will dispense {$43.00}, specifically. The two charges are inaccurate and should be investigated and removed.
Consumer complaint received 2020-04-14
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: EQUIFAX, INC. (MD)

During the month of XX/XX/2020 my Equifax credit score was XXXX. On XX/XX/2020 my score dropped to XXXX. The only change on my report between XXXX and XXXX was a decrease of a {$340.00} on a car loan balance and {$160.00} decrease on a home equity loan both of which increased my credit score on my XXXX  report. 

On XX/XX/XXXX my Equifax score went down an additon 15 points. This changes to my credit report this time included a credit card balance increase of {$870.00}, a hard inquiry I submitted an application to refinance my mortage decreases of a couple hundred dollars and car loan decrease of {$330.00}. 

My XXXX  credit score is XXXX. My XXXX  score is XXXX. 

My XXXX, XXXX  and Equifax credit reports have the same accounts and same information. When I called Equifax to obtain the reason why my score dropped 50 points in XXXX he representative said it was due to my credit report. I attempted to explain to her that my score should not drop 50 plus points when my balances decrease. I asked to speak with a supervisor and was disconnected. 

I understand the XXXX decrease of 15 points but the XXXX decrease of 50 points does not make sense. The significant differences in my credit scores has impacted the number of points mortgage companies are requesting to refinance my loans. I have worked really hard to manage my finances so that I can have a good credit score.
Consumer complaint received 2020-04-14
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: Midwest Recovery Systems (AL)

I have a collection on my credit report for a payday loan through MIDWEST RECOVERY SYSTEMS. This collection account was put on my credit report on XX/XX/XXXX, although I have never had a payday loan on my credit report. The collection agency states the account was closed in XXXX in my name. I have never had a payday loan and do not even know how they operate. I tried to dispute it with the collection agency and they say there is no way they I can contact XXXX XXXX because the account was closed in XXXX. I have NEVER received any bills from either MIDWEST RECOVERY SYSTEMS or XXXX XXXX Their is just a random collection sitting on my credit report. I have a 100 % payment history that spans 10 years and this is a major issue I want resolved quickly. Their number is ( XXXX ) XXXX BTW, this is what the " address '' of XXXX XXXX  looks like XXXX : XXXX? XXXX & XXXX! XXXX! XXXX! XXXX! XXXX % XXXX, XXXX % XXXX? XXXX % XXXX! XXXX & XXXX! XXXX! XXXX & XXXX & XXXX
Consumer complaint received 2023-10-19
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-10-19
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. (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 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 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Several accounts have been opened fraudulently XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX loans XXXX XXXX XXXX XXXX several addresses phone numbers are just not they're not correct and I have been sent information that I was in several my address phone number driver 's license number social security number have all been in several data breaches including XXXX and Equifax breaches
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

This is a follow up request of XXXX due to the company closed it. 
The creditor 's attorney responded to my attorney that they will withdraw this account in XXXX. So my original request is that both collection company and creditor need to eliminate this record in all 3 bureaus include XXXX ( They did the XXXX already in XXXX so need to be done on XXXX )
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been disputing this bankruptcy # XXXX since 2021 I sent numerous disputes and they still have not removed it off my credit report. This bankruptcy does not belong to me and this bankruptcy is not in my name. My name is XXXX XXXX and the bankruptcy is under the name XXXX XXXX which is proof it doesn't belong to me. XXXX and XXXX have removed this bankruptcy off my credit and Transunion is suppose to remove it as well. It is fraudlent and Transunion is violating my rights under the fair credit act code 15 USC 1692 a ( 4 ) and I want them to remove it immediately.
Consumer complaint received 2023-10-19
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc. (NJ)

I have XXXX separate {$250.00} Visa prepaid cards through giftcards.com. I had forgotten about them, and when I logged in was disappointed to see I had lost value due to dormancy fees. This was unfortunate, but upon closer inspection I noticed XXXX separate dormancy fees of {$4.00} were charged within XXXX weeks ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) on each of the XXXX cards. I asked for an explanation and received no reply.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVEXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-19
Product: Credit reporting 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. (TX)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant XXXX and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}.
Consumer complaint received 2023-10-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

On XX/XX/23 someone gained access to my trading account and transferred {$2500.00} from my bank account to the trading account. Then they purchased {$2500.00} of XXXX 

Then they tried to transfer another {$2500.00} to the XXXX account, but I had locked my bank account. Coinbase however, also assumed the XXXX transfer was legit, and allowed the account to purchase another {$2500.00} of crypto. 

After the 1st transfer and before the 2nd, I figured out that the money in Coinbase was from a transfer from my checking account. Initially I didn't know that there was a fraudulent transfer and purchase of XXXX 

My bank didn't notify me of unusual activity, and my email account was also compromised, and a filter had been setup where all the notifications from Coinbase were diverted to trash automatically before I saw them. 

It had been a long time since I used the trading account, and just assumed that I had left open trades. I sold the crypto, and tried to transfer the money back to my account. 

At some point during this process I informed Coinbase of the fraudulent activity and froze the account. 

After I tried to transfer my money back to my account, coinbase informed me that I had to wait XXXX hours before transferring the money. No problem. At this time I assumed the ordeal was over, and the money stolen from my account, which I needed to pay bills at the end of the month would be back in my account for me to pay the things I needed to. 

Then I received a notification that I would need to wait a week. 

Then I received a notification that in order to unfreeze my account I had to prove my identity to coinbase. I went through the process. I emailed my drivers license, and completed the identity process. 

I assumed all was still OK, and that I would have the money back to pay the bills I needed at the end of the month. 

Then coinbase informed me I would have to wait 30 days to get my money. I called them to explain that I needed the money to pay my bills at the end of the month, and was then informed that I would need to wait 60 days before I could get my money. 

The explanation given was that I had to wait 60 days because they couldn't be sure that I was who I said I was, and that they were afraid of more fraudulent activity. 

This is not a valid reason to hold my money. I have already proved my identity, and nothing will change in the next 60 days. It seems to be some arbitrary hold to punish me. I will not be able to prove my identity any further no matter how long we wait. 

Now the end of this month is coming, and I need this money to pay my bills. 

The email address used for the coinbase account is XXXX I want to get my money out of the coinbase account, transfer it back to my checking account and close the coinbase account.