davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I've contacted the consumer reporting agencies through multiple platforms via mail or telephone. Pursuant 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to section ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave the consumer reporting agency any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached. In regards to the accounts listed below, as a consumer Im demanding a deletion of these accounts.

1. XXXX XXXX 2. XXXX XXXX  3. DEPT OF ED/XXXX  4. DEPT OF ED/XXXX  5. XXXX XXXX XXXX 6. XXXX XXXX XXXX, Original creditor : XXXX XXXX XXXX  XXXX XXXX XXXX  These accounts are individual actions, they must be delete immediately.
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

My open XXXX XXXX XXXX XXXX  was removed from my credit report. Experian told me it was because the lender ( XXXX XXXXXXXX XXXX ) told them to do so. I called both parties who blamed one and other and told me there wasnt anything I could do. My account is sure to and paid with a XXXX $ availability. Therefore inaccurate information is being reported. Im not receiving proper information and its directly affecting my credit which I find very unfair! Please help me
Consumer complaint received 2023-05-15
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: EQUIFAX, INC. (SC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX, XXXX A XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX SS XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-24
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: SYNCHRONY FINANCIAL (NJ)

these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXXXXXX  Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft SYNCB/PAYPAL Date of inquiry : XX/XX/2019 This is not mine. 

4. 01 XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-10-07
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. (OH)

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am entitled to have any fraudulent items blocked from my credit report within four business days upon submitting an identity theft report. Additionally, 15 U.S.C. 1681s-2 requires furnishers of information to ensure accurate reporting and promptly investigate any disputes. Under 15 U.S.C. 1681g ( e ), I request the production of any fraudulent application records, including signatures or documentation used to open these accounts. If no valid proof of my signature or proper validation of the account exists, they must be immediately removed. Under 15 U.S.C. 1692c ( a ) ( 2 ), collection activities must cease regarding debts from this identity theft.
Consumer complaint received 2021-06-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: GATEWAY FIRST BANK (AR)

I sent Gateway Mortgage my XX/XX/2020 payment on XX/XX/XXXX. Due to COVID the mail was behind and they didnt receive the payment until after XX/XX/XXXX causing me to have a late payment reported. I have ask them to please remove this late payment, but have been unsuccessful. I was in contact with them every day once the contacted me letting me know the payment hadnt been received. The representative just kept telling me to call back and they were notating my account and it wouldnt be reported late. That was my main concern and I continued to ask them that. I know they record the calls if they would pull the call they would see I kept calling and was told nothing negative would be reported
Consumer complaint received 2021-06-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: N26 Inc. (OK)

Received a notification from my banking app with N26. Was told that I needed to resubmit my identification again, for security reasons. I submitted my ID again to the app. This was yesterday on XX/XX/XXXX. Today, on XX/XX/XXXX, I receive an email that my account is now closed with no warning. I call N26 up on the phone, and after being on hold for 2 hours, I'm told my account was closed because of a new system update in place, I can open a " new '' account, and I may not speak to a supervisor.
Consumer complaint received 2022-03-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (IL)

NATIONAL CREDIT SYSTEMIS ATTEMPTING TO COLLECT AN ALLEGED DEBT FROM ME AND CAN NOT VALIDATE THE ALLEGED DEBT. THE ACCOUNT IS CURRENTLY A COLLECTION STATUS AND CA NATIONAL CREDIT SYSTEMIS STILL TRYING TO COLLECT. I even submitted a cease and desist. I attach the letter too and they could not provide the promissory note of this alleged debt. NATIONAL CREDIT SYSTEMis in violation of 12 CFR 1022.41 ( d ) integrity. I need this account DELETED now!
Consumer complaint received 2024-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-24
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. (PA)

XXXX CREDIT CARD HAS REPORTED THAT I WAS LATE 4 YEAR AGO AND 5 YEARS AGO ONCE. I PAID MINIMUM PAYMENT ON THIDS ACCOUNT AND ANY ACCOUNT WITH XXXX. I ASK FOR INVESTIGATION THROUGH FAIR CREDIT REPORTING ACT XXXX, XXXX AND XXXX. THEY BROKE DTATE AND FEDERAL LAWS BY NOT DOING INBESTIGATION RIGHT. I NEVER MISSED PAYMENTDS WITH XXXX XXXX CARDS. THEY NEED TO SHOW ME ALL THE SECTIONS ABOVE AND HOW THEY CAMR TO ONE LATE ACCOUNYT WHICH FOR FACT I PAID.
Consumer complaint received 2022-04-19
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. (WA)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX  and XXXXXXXX XXXX  XXXX showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00}, XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}.
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX CREDIT CARD HAS REPORTED THAT I WAS LATE 4 YEAR AGO AND 5 YEARS AGO ONCE. I PAID MINIMUM PAYMENT ON THIDS ACCOUNT AND ANY ACCOUNT WITH XXXX. I ASK FOR INVESTIGATION THROUGH FAIR CREDIT REPORTING ACT XXXX, XXXX AND XXXX. THEY BROKE DTATE AND FEDERAL LAWS BY NOT DOING INBESTIGATION RIGHT. I NEVER MISSED PAYMENTDS WITH XXXX CREDOT CARDS. THEY NEED TO SHOW ME ALL THE SECTIONS ABOVE AND HOW THEY CAMR TO ONE LATE ACCOUNYT WHICH FOR FACT I PAID.
Consumer complaint received 2021-06-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (CA)

I created an account with Coinbase. They have a recurring purchase feature. I intended to purchase on the XXXX and XXXX as described on the sales page. What was not disclosed is that when you set up a recurring purchase you will also initiate an additional purchase on the same day. That is not what a recurring purchase is. In fact it is a one time purchase plus additional recurring purchases. I sent several email to coinbase asking them to retun the money from the additional purchase and the did not respond directly. 

On XX/XX/XXXX Coinbase confirmed their practice : ***************************** From : Coinbase Support XXXX Date : Friday, XX/XX/2021 at XXXX XXXX To : " XXXX '' XXXX Subject : [ Reply ] Case # XXXX - Recurring purchase Hello XXXX, Thanks for contacting Coinbase. 

Be advised that when you set up a recurring purchase, a one-time buy for the recurring purchase amount will execute immediately. If you set up a recurring purchase for {$50.00} worth of ETH each month, you will also execute a one-time buy of {$50.00} ETH at that moment .... 
***************************** The one-time buy is not mentioned anywhere, the sales functionality is misleading. 

Coinbase has closed several cases with me without giving me direct answers. 

XXXX # : # XXXX, # XXXX, # XXXX, # XXXX
Consumer complaint received 2021-06-25
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: Bread Financial Holdings, Inc. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-25
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: U.S. BANCORP (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2024-03-22
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. (IL)

It's my understanding that FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Could you kindly verify the documents? Several of the accounts listed appear to be inaccurately reported.
Consumer complaint received 2023-07-01
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: EQUIFAX, INC. (TN)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I have no knowledge of this debt as I have always had medical insurance! I was never contacted by the debt collection agency regarding this debt that I do not owe. They are reporting negatively on my credit and I have no knowledge of this debt. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. FCRA 15 U.S.C 1681 Company- XXXX XXXX XXXX
Consumer complaint received 2021-06-25
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: CITIBANK, N.A. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2023-05-15
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: EQUIFAX, INC. (DC)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2021-06-25
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: CITIBANK, N.A. (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2022-04-19
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: Experian Information Solutions Inc. (TN)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that this item was ever disputed. That is a violation and this item needs to be deleted.
Consumer complaint received 2024-10-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC (CO)

Roundpoint bought our mortgage from XXXX. I made changes to my automatic payments through my bank ( XXXX ). I have never missed a payment or have been late in fact I pay a little bit early. When I called Roundpoint after receiving foreclosure mail with no numbers or dates on it they said that my payment went up in XXXX by XXXX. They did not notify me of this change, but I quickly paid the past due amount in XXXX. They couldn't seem to understand that I have never been late and in fact have been paying early. I continued to have late payment notices, when I called Roundpoint again they said that they mistakenly applied the full XXXX payment to the principle. I stated that I should not have to pay late fees due to their clerical errors. None of the statements from them reflect any of this. I am concerned that them reporting my payments late since they took over the loan servicing will effect my husbands and I 's credit.
Consumer complaint received 2024-10-06
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: VEROS CREDIT, LLC. (FL)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question that listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Report Act, 15 U.S.C 1681g, I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( I ). 

By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted Name Of Account : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, AL XXXX Date : XX/XX/XXXX Hard Inquiry not recognizable by account owner. I did not verify this hard inquiry myself. 

Name Of Account : XXXX XXXX XXXXXXXX XXXX. 

Date : XX/XX/XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX Collection has been paid by account owner. 



Name of account : XXXX XXXX XXXX Date : XX/XX/XXXX Balance has been paid off by account owner. 



Name of account : XXXX XXXX ( Auto Loan ) Date : XX/XX/XXXXXXXX  Account number : XXXX account is closed. 

Collection has been PAID OFF BY CREDITOR.
Consumer complaint received 2024-10-06
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (AK)

XXXX Request a card from Netspend tried to activate and they closed account they said I have others under my name. First time I ever tried there card. Card # XXXX.