davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-15
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. (NJ)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-12-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (TX)

I received a letter in the mail on XX/XX/2019 from Cedars Business Services alleging that I owe {$410.00} for an XXXX  traffic violation. 

This is completely invalid and is not my debt. 

After calling XXXX and giving the case number, I spoke with someone who said their name was 'XXXX  XXXX  ' who insisted that 'he had information that said I owed them {$410.00} '. 

This is not my debt, I have no idea what this is about and this is extremely dishonest. The letter said that I only have 30 days from the day the letter was sent, XX/XX/2019, to deliver a letter disputing the 'debt '.
Consumer complaint received 2023-08-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

Basically I had interaction with this person ( scammer ) who was a crypto currency smart contract advisor/ investor, who deceived me into sending money to buy crypto currency, wire to XXXX in XXXX and buy XXXX XXXX and send to Coinbase external wallet & then deposit to Smart contract linked to Coinbase Wallet , that would get converted to USDT, to conduct nodes cycle, all transactions looked legit, when the withdrawal dint arrive, after repeated messages to automated customer service i contacted Coinbase Support : please see attachment 's, Scammer info : Smart contract info, it is disgusting to note that how can crypto currency exchange platforms allow smart contracts to be part of their platform and conduct fraud, without checking their authenticity ( Coinbase Wallet in my case ) Platforms should some regulations put in place- I have lost over XXXX in this scam!
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

This looks deceptive and suspecious being a victim of identity theft my gaurds are up. Experian has my name spelled incorrectly on my report. my name is XXXXXXXX XXXX XXXX And experian has it XXXX XXXX XXXX -- -- that is not my name. Also the accounts have inaccuries as well. 

XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX account # XXXX both have inaccuries the date last activity are two different dates as well as last reported date, how can these account report different dates with two different activies but all happened the same time. Below i have uploaded documents proving my statement with my report reporting different dates.
Consumer complaint received 2023-07-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (UT)

Mountain America Credit Union, XXXX XXXX, and the XXXX XXXX XXXX XXXX XXXX are pursuing to collect a debt that was FRAUD ON A CREDIT CARD Mountain America strong armed me into taking out a loan to pay for the fraudulent charges on my credit card I could not pay the loan which I told them before they gave me the loan! They sent it to XXXX for collections and XXXX sent it to their attorney and sued me without properly notifying me of the court date! They were issued a judgement and the constable is attempting to seize assets to pay this debt!
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXXXXXX XXXX account ( XXXX ) is reporting an account as open. I have called XXXX XXXXXXXX XXXX and the representative says they have no record of this account under my social security number. 

They ask for an account number, which I do not have because the account does not exist. The credit reporting agencies only show a partial account number. Although the account is reporting a positive history, the account is being counted against my available credit and thus, debt to income. 

I have filed an identity theft report as I have been a victim of ID theft.
Consumer complaint received 2023-08-15
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 want to make it clear that I am genuinely serious about taking legal action against your company if necessary. I have diligently sent multiple certified letters requesting the removal of inaccurate information from my file, which have unfortunately been ignored. It is crucial to understand that making false threats of a lawsuit is a crime, and I assure you that my intention to pursue legal action is sincere and justified.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OR)

I have already sent this company a dispute letter and requested the proof of the inaccurate fraudulent late payment they are reporting on my consumer report. I have never been late on this account. Recently I observed a late payment on my consumer report from XXXX of XXXX. My account has been closed with this company since XXXX of XXXX. As federal law states in XXXX USC 1681A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures de- signed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. If you can not supply proof of this federally regulated act I demand you remove this late payment and or the entire account off my consumer report. It shows in Experian. If immediate action is not taken I will pursue legal action
Consumer complaint received 2023-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602

States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

Ive called equifax on numerous occasions asking them to please allow me to be able to see my credit report. They havent updated my credit report with 3rd party reporting companies since 2018. Every time I call equifax they try to force me into signing up to see my report only through them. They also are telling me that its on the 3rd party reporting companies to update it which is false. I told them the error code that all the 3rd party companies are getting and all 5 of the representatives said that I would just have to sign up with them and thats the only solution. This is false and inaccurate information. I should be able to look up my accurate report or scores on any site that offer it such as XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  etc.. This has been very inconvenient to me. I will also try calling them back and this time I will get the reps name and badge number.
Consumer complaint received 2017-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Williams & Fudge, Inc (TX)

I attended part of semester at  XXXX   XXXX  in   XXXX   XXXX    XXXX . I withdrew from my courses.  XXXX   XXXX  charged me a penalty. Subsequently, my  XXXX  tax return was seized to cover the entire {$770.00} penalty the school charged me. They later sent me a letter notifying me. I received this letter from  XXXX   XXXX , attempting to collect the same debt. I asking that this debt collector be sanctioned for attempting to collect a debt, which has been paid in full.
Consumer complaint received 2023-08-15
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. (FL)

XXXX XXXX Is showing incorrect balance of {$7800.00} ... .. the correct balance is {$7000.00}. 
Also, it is reporting as late. This account is current and is not late.
Consumer complaint received 2023-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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 mental 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 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A. (CA)

Background : On XX/XX/XXXX, I placed a credit freeze with all Credit Bureaus due to identity theft. 

Current Issue : XXXX provided my credit report to Citi Bank despite freeze being in place. 

History : On XX/XX/XXXX XXXX PST, I received an email from Citi Bank / AAdvantage MasterCard that an application was pending under my name and information. 

I called the Citi Credit Card contact number at XXXX PST the same day, only one that was listed in their mobile app - XXXX, and they initially said they didnt see any applications under my name. They asked me to call their fraud department instead and provided me with their number. 

At XXXXXXXX PST same day, I called the fraud department number which was XXXX. The representative said they didn't see anything under my social security number and insisted that there were no other accounts. I provided her with the ApplicaitonID which was listed in the email, and she went back to look into it. Eventually, she said that this might be under applications department, not fraud department, and asked me to call them instead and provided me with their number. 

At XXXX PST the same day, I called the applications department. They asked if this was an authorized application and I told them it was not. She said she was sorry to hear and provided information that XXXX had provided the credit report. 

I double checked on XXXX Website to verify that I still had my credit freeze in place.
Consumer complaint received 2022-11-23
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX 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 2023-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (TX)

I noticed on XX/XX/2023 that there was a debt of {$280.00} from a company called SEQUIUM ASSET SOLUTION on my credit report. The original creditor iXXXX XXXX XXXX the account was opened XX/XX/2023, I did not open nor do I have knowledge of this account being opened. This is a case of identity theft. In addition to this I also have a letter from a company called XXXX XXXX XXXX XXXX XXXX XXXX, which is a company that offers XXXX XXXX XXXX and XXXX XXXX to XXXX XXXX. XXXX XXXX is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and these two companies share my personal information between themselves including SSN and NAME and BIRTHDAY. In the letter it states verbatim " On XX/XX/2023 XXXX XXXX identified unusual activity on certain systems within our computer network. '' This also is stated verbatim in the letter, " On XX/XX/2023 the investigation determined that certain files were copied from our network without authorization between XX/XX/2023 and XX/XX/2023. This also is stated in the letter from XXXX XXXX verbatim " Our investigation determined that the affected files contained information including your Social Security Number, and name. 

So far concerning this urgent and stressful matter I've contacted XXXX and reported the problem procedurally. 

Please help me in this case. 

Thank you
Consumer complaint received 2017-05-08
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I have contacted Certegy Check Services numerous times in regards to fraudulent checks that have been written in my name. I have done several police reports and spoken to numerous customer service reps in regards to flagging my name so that these criminals are no longer able to write fraudulent checks in my name. I was told that they are not able to flag my name but, could not give me a concrete answer as to why. At this point over  XXXX  checks have been written in my name  (  which have all bounced ) and the police came to my home looking to arrest me. If CERTEGY CHECK SERVICES would just flag my name the checks will decline and these criminals would be stopped. They have not helped me at all but, have reported me to the credit bureaus numerous times which has caused my score to go severely down. This is a nightmare and Certegy has done NOTHING to fix this problem. Please help
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

The incorrect information pertains to XXXX. My credit was impacted because XXXX is reporting wrong that I am 90 days late yet they are also reporting that I have made 100 percent of my payments. My student loan has been in forbearance and paused due to the Government loan pause on student loans. 
This inaccurate reporting is negatively impacting my credit profile and financial standing. I kindly request that you investigate the matter and take the necessary steps to rectify the situation promptly. 

Despite my previous attempts to resolve this matter through the company involved, the issue remains unresolved and continues to impact my financial standing. 

I have diligently followed the proper channels to address the inaccuracies on my credit report, including contacting both XXXX and XXXX. However, to my disappointment, the situation has not been rectified, and I am left with the burden of incorrect credit information that does not reflect my true creditworthiness. 

I understand the importance of accurate credit reporting for both consumers and credit bureaus. To assist you in resolving this matter efficiently, I have attached relevant documentation that supports my claim. I kindly ask that you conduct a thorough review of my credit report and make the necessary corrections in accordance with the Fair Credit Reporting Act. 
Please keep me informed about the progress of this investigation and any actions taken to address the inaccuracies. I appreciate your attention to this matter and your prompt response.
Consumer complaint received 2023-08-15
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I've disputed these accounts, I have proof I've disputed these accounts, it has caused me and my family hardship, I want to be paid for financial relief, hardship and emotional distress. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

Account name : 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  have all violated my rights. 

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 ) ( 1 ) 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 2017-05-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

I have an auto loan through Bank of America, I have always paid the monthly installment over the phone. In the month  XXXX  specifically on   XXXX   XXXX   XXXX     I paid installment payment of  XXXX  due date was   XXXX   XXXX   XXXX    . On   XXXX   XXXX   XXXX     the company debited my check account again in the amount of   XXXX  . I spoke with  XXXX  supervisor for Bank of America who assured me the money would be placed into my account within  1-3  days if I faxed my bank statement revealing the additional payment of  XXXX  on   XXXX   XXXX   XXXX    , bank statement was faxed on   XXXX   XXXX   XXXX     today is   XXXX   XXXX   XXXX    , my money has not been refunded to my account. My concern is that I authorize d one p ayment of  XXXX  to be drafted from my account on   XXXX   XXXX   XXXX    , I did not give this company permission to draft anything else from account. They went into my account and removed another payment without my permission, .This is a first time occurrence but how many other consumers has this happened to. Once this matter is resolved I plan to refinance my auto loan with another lender.         Thanks for your attention in this matter
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I have seen an collection account on my Equifax report that is old and has been resolved. Equifax has refused to remove it even though the alleged collection agency has confirmed that they have closed this account and are no longer pursuing this account.
Consumer complaint received 2021-03-11
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: EQUIFAX, INC. (SC)

XX/XX/2021, I received an alert that my credit score had dropped considerably. I clicked on the alert via XXXX XXXX and saw that Equifax had removed a valid credit card from my credit report without consent from XXXX XXXX / XXXX XXXX Surge Card or me, the account holder. This caused a significant drop of 95 points on my credit. When I called, I spoke to 4 different people and even had them escalate to a supervisor to no avail. These people were very rude to me. None of them were able to explain anything to me. They could not tell me why this account came off my report and hurt my credit. So, I proceeded to call my account management with XXXX XXXX and asked for a supervisor. That supervisor said that Equifax knows about the issue that they are having with the error in updating the reports and that they don't know when it will be fixed. I am in the middle of a refinance on my mortgage and now will definitely be denied because of this " error ''. This is causing me significant stress and financial hardship. I am a single mother and depend on the hard work that I have put into my credit to bring my score to an approvable level. I want my account updated immediately and score corrected. I do not have another year to try to build back up the score that I have spent YEARS fixing already.