davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-15
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. (MO)

Transunion continues to report a hard inquiry despite having investigated and concluded the inquiry was fraudulent. I have written and called them and they will not remove the inquiry from my credit report.
Consumer complaint received 2023-07-13
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX which is also listed with an incorrect dates XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-05-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (MI)

I have {$1700.00} in my USD wallet on Coinbase. OnXX/XX/XXXX XXXX Coinbase closed my account without warning or reasoning. Coinbase is not providing me with an option to get my money back and there is no linked bank account for me to recieve my funds. On XX/XX/XXXX I contacted their support and had ticket number # XXXX assigned to my case. OnXX/XX/XXXXI recieved an email from their support team asking for a screen shot of the issue i am having in which i replied the same day.I informed them that i have only made wire transfer deposits and never linked my bank account. It is now XX/XX/XXXXand i have still not gotten any help. I need my money back and every time i call support nobody will help me.
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

Chase Credit card had over XXXX XXXX  charges for delivery amounting to over {$9700.00}. I called chase immediately to report and made a police report ( XXXX XXXXPD ) This credit card was stolen. The XXXX  account belongs to XXXX XXXX who fraudulently stole the credit card and along with his mother XXXX XXXX and father XXXX XXXX added my credit card to commit theft and fraud without any permission to their XXXX  account. The time period went on from end of XX/XX/2023 through about XX/XX/2023 when i realized there were a ton of XXXX  charges and the deliveries went to XXXX XXXX ( XXXX ) XXXX and XXXX XXXX ( XXXX ) XXXX ( XXXX XXXX XXXX  non profit ) residence XXXX XXXX XXXX XXXX XXXX, CA XXXX. I noticed it while setting up a payment. I knew something was wrong. This isnt his first fraudulent theft stealing. They even stole from other women with money. I can verify XXXX and Chase Credit car verified that the XXXX  account belongs to XXXX XXXX and XXXX XXXX.
Consumer complaint received 2023-10-05
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. (CA)

My credit report is showing late payments to XXXXXXXX XXXX XXXX XXXX, DEPT OF EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Consumer complaint received 2023-10-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc. (TX)

On XXXX I applied for a loan and was approved, on their website they make you connect your bank, it makes you login and I set up for auto-pay. 
On XXXX I emailed asking about the loan money because in the email it said 1-3 business days. 
On XXXX I got an email saying they couldn't deposit the money into my account, it was unsuccessful ( I used their own system to link my account ) so I had to go back to the website and manually enter my information. 
On XXXX ( not a business day ) they sent an email stating my bank account was verified. 
On XXXX I sent an email saying my account was verified and that their website says " If you accept your loan before XXXX EST Monday-Friday, you should receive your loan proceeds the next business day. If accepted after XXXX EST Monday-Friday or during the weekend, you should receive your loan proceeds two business days later. '' On XXXX I sent another email because it has now been 4 business days and I have not received my money, which I should of already. 
No response from them. 
I sent a email on XXXX which is now 5 business days later, I get an email back saying someone will reach out to me shortly. 
No one called or emailed. 
I send another email on XXXX and get the same response from them as on XXXX. 
Meanwhile, this whole time I am getting charged interest fees since XXXX and have not received any money from them.
Consumer complaint received 2023-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

I have a wells Fargo business and personal checking account. I called at XXXX XXXX central time and was talking to a female. I wanted to know if i deposit a foreign currency check into my Wells Fargo then what will happen? how the currency conversion happens? How much time it will take for money to come to my account? How to do that? 

This female was not at all in a mood to do the work? 
When she was wasting my time and i tried to have a focussed discussion she threatened me to hang the call. I simply asked her the question in a different manner. But still this female pretended that she is not able to hear me- we were on the phone call for almost XXXX minutes ( some wait time and going thru the menu initially ). Then she hang up the phone on me.
Consumer complaint received 2022-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (NC)

I have a credit card with Comenity Caesars reward visa, I paid my monthly statement on XX/XX/22. on XX/XX/22 I noticed that XXXX was taken from my bank as a payment to said credit card. when I called, I was informed that a letter had been sent to me on XX/XX/22 ( 2days earlier ) ; and that I had agreed to pay XXXX, I have received no such letter or agreed to pay an amount that I do not have available at the bank, I had already made my monthly payment of XXXX on XX/XX/22 why would I make another payment the same month. they always say that the conversations are recorded, I have not been offered to listen to any conversation that I allegedly agreed to. I want this credit card company investigated ; I can not be the only one they have done this to especially around the XXXX. this is a total fraud.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Upstart Holdings, Inc. (NY)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family, please remove the fraudulent accounts from my credit report as soon as possible
Consumer complaint received 2022-12-08
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. (IL)

I have 2 fraudulent inquiries on my equifax credit report from XXXX XXXX XXXX on XX/XX/2022 and XX/XX/2022. I did not consent or authorize these inquiries for my personal credit report. I am asking that documentation be provided that I applied for these accounts and if no documentation can be provided that these be deleted from my file immediately so i can not be denied credit in the future.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

On XXXX I submitted a complaint with these bureaus XXXX, Experian, and XXXX to conduct disputes on my credit report for these following actions I'm about to thru attachments. It's been 90 days and I haven't heard anything back nor has there been any changes to my credit report. I just want these issues resolved so I can move on to further ventures with my credit. Please And Thank You.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX I submitted a complaint with these bureaus XXXX, XXXX, and Transunion to conduct disputes on my credit report for these following actions I'm about to thru attachments. It's been 90 days and I haven't heard anything back nor has there been any changes to my credit report. I just want these issues resolved so I can move on to further ventures with my credit. Please And Thank You.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2023-10-05
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. (OK)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. DEPT OF EDUCATION/XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2022-12-06
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. (NC)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : 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 2023-10-05
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: EQUIFAX, INC. (CA)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection account that is kept to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

XXXX XXXX XXXX
Consumer complaint received 2023-10-05
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. (FL)

XXXX XXXX my rights Usc 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, debt collector may not communicate with a consumer in connection with the collection of anydebt- 15 us 1692b ( 4 ) not communicate by post card ; 15 usc 1692b ( 2 ) not state that such consumer owes anydebt ; 15 us 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of adebt.
Consumer complaint received 2023-10-05
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: EQUIFAX, INC. (GA)

I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have knowledge of the Fair Credit Reporting Act and understand that this company has a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Please correct this account : XXXX XXXX
Consumer complaint received 2023-07-13
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$410.00} ; XXXX SELF-REPORTED XXXX Balance Owed : {$61.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$7400.00} ; XXXX XXXX Original Creditor XXXX XXXX XXXX XXXXXXXX Balance Owed : {$7800.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} 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 2023-10-05
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. (FL)

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 REMOVE! XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXXXXXX Balance : {$770.00}
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

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 XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX Balance : {$670.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX ( Original Creditor : 08 XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (NJ)

This is In regards to XXXX XXXX XXXX concerning Nordstrom Card Services Account # XXXX. Attached you will find a notarized power of attorney form authorizing us to investigate this account and communicate in regards to this matter. At the consumers request all future communications should be with this office. 

On XX/XX/2020 A letter was sent to Nordstrom in regards to a late reporting in XX/XX/2020 where a financial accommodation was made. I received a letter from Nordstrom dated XX/XX/2020 that accurate data is reporting to the three major credit bureaus. Based on the letter you are violation g the national pandemic law ( CARES ACT )?
Consumer complaint received 2023-10-26
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. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-10-05
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. (OK)

This is my fourth 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. XXXXXXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXXXXXX XXXX  Balance : {$810.00} ; XXXX XXXX XXXX XXXX XXXX : {$1600.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) Balance : {$630.00} ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXXnquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXXI Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; IXXXX 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 2023-10-05
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. (FL)

XXXX XXXX my rights Usc 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, debt collector may not communicate with a consumer in connection with the collection of anydebt- 15 us 1692b ( 4 ) not communicate by post card ; 15 usc 1692b ( 2 ) not state that such consumer owes anydebt ; 15 us 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of adebt.