davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am submitting this CFPB complaint to inform you that I want to remove these fraudulent items from my file. Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Kindly remove the following items as soon as possible : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2015-09-17
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Mobiloans, LLC (OH)

I borrowed {$600.00} as a short term loan and intended on paying it off. I was charged a {$150.00} cash advanced fee. They automatically took out {$96.00} out of my checking account, which I tried to stop and they failed to let me after I sent them emails and phone calls, which were of no help. Then they charged me a {$65.00} finance charge on the XXXX, which brought my total back up to $ XXXX.The next minimum payment is {$110.00}. {$65.00} would go towards the finance charge and the remaining {$48.00} would go towards the principal balance. Then they plan on charging me another {$65.00} finance charge on XXXX XXXX on top of the minimum payment.
Consumer complaint received 2023-07-09
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. (RI)

i contacted this agency in XXXX the information is inaccurate. i have never given anyone my permission or consent to report my private information. as a consumer i demand all information on my report be eliminated as the law protects me from this fraudulent reporting. and you know what i am referring to.my credit has dropped. due to several inaccurate reporting and never have you verified by law my credit or the third parties reporting, stop and desist. take all information off my credit inquiries i do not recognized how is it possible i reached out to you and told you what was going on and you have done nothing you are in violation of several laws as a consumer you are violating my rights i do not want anything reported as you can not and do report accurately. 
stop clear up this file
Consumer complaint received 2023-07-10
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am formally submitting my complaint to you, as I notice my accounts, I saw the negative accounts which were recorded as late, and with this, I am not truly satisfied. These accounts are inaccurately and erroneously reported. The intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b and according to FCRA Section 605b. I have done an attempt to reach out to Credit Bureaus but they failed to give me any results or feedback about this concern. Correct the following accounts on my credit file right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lendmark Financial Services (VA)

After my account had been paid off and closed, a few months later a remark was placed on my report stating Potentially Late. They asked to sign a document for a late payment to be added at the end of the loan so it wouldnt show up as a late payment. This was done four years ago. So how can they post this statement on my report if they asked me to comply and it was paid in full?
Consumer complaint received 2023-04-13
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)

The credit Bureaus stated my accounts was properly investigation but how is that possible if the open date is inaccurate. the date last and last reported is not accurate, This is ground for removal they also violated my right under 15 U, S, C 1681 section 602A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also that a consumer reporting agency can not furnish a account without my written instructions. 
In accordance 's with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 

XXXX XXXX XXXX ACCT/ XXXX DATE XX/XX/XXXX XXXX XXXX XXXX  ACCT XXXX DATE XX/XX/XXXX {$730.00} XXXX XXXX ACCT XXXX DATE XXXX {$980.00} XXXX XXXX XXXX  ACCT XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXX ACCT XXXX Date XX/XX/XXXX {$780.00} XXXX XXXX XXXX  ACCT XXXX DATE XX/XX/XXXX {$620.00}
Consumer complaint received 2023-05-10
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX open on XX/XX/2019 has 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-05-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Motolease, LLC (CA)

Attached is the email correspondence between myself and XXXX XXXX who represents Motolease LLC in relation to a debt that they previously sent correspondence via the CFPB portal that was considered delinquent as of XX/XX/XXXX. This is well past the four year statute of limitations in California as described in CCP 337. According to 12 CFR Part 1006.26 Part ( b ), A debt collector must not bring or threaten to bring a legal action against a consumer to collect a time-barred debt. According to CCP 337, there is a four year statute of limitation on a current account. According to the letter sent through the CFPB portal this account became defaulted at the latest on XX/XX/XXXX, which makes it past the four year statute of limitations. In this email thread she is repeatedly threatening to take me to court over a debt that is no longer collectable. In addition to this, she refuses to allow me to contact her supervisor or manager. According to bidhistory.org this VIN was last sold in XX/XX/XXXX by XXXX XXXX. In their letter they state that it was sold or to be sold XX/XX/XXXX. There are three repossessions on the consumer report of XXXX at three different times. In addition to this the consumer report states the account is OK for many months following the second repossession listed. This data has been supposedly verified but this is clearly not the case.
Consumer complaint received 2023-06-22
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. (SC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-10
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)

I sent a letter onto remove items that is 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/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX Balance : {$250.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I prepaid a lease over seven years ago but the company is still reporting the prepaid information. 
A company is only supposed to report information for 7 years. This company is still reporting this information after 7 years which is a crime according to the FCRA.
Consumer complaint received 2017-04-06
Product: Credit card — 
Issue: Overlimit fee — 
Company: WELLS FARGO & COMPANY (FL)

I was approached by the manager of wells fargo bank and incoureged to astablish credit with a bank card .told to put XXXX in asecured account, plus XXXX annual fee, which iwas under the understanding that was an annual interest. After a few months paying back i owed about XXXX XXXX i made a payment of XXXX for the month .XXXX XXXX i missed makeing aminimum payment. On XXXX XXXX XXXX iam out of the rest of my account .They goobbled XXXX that quick, I am outrqaged at the robbery of this institution. I was talked into doing this against my wishes .They scammed me and i wish they had just left me alone with my debit checking account. .i am one of those customers they took to the cleaners last year. XXXX
Consumer complaint received 2023-01-11
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. (HI)

The attached document account with XXXX, a secured card lender, is inaccurate, fraudulent, misleading, deception, not my account, and I did not give consent, permission, or authorization the account documented in the attachment. Further, XXXX sent documentation on XX/XX/2020 stating that the account listed with Equifax does not belong to me, that it was closed out in error, and that it belonged to someone else, and/or was opened unlawfully. The record shall be removed.
Consumer complaint received 2020-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (IL)

Ive been trying to set Up my XXXX account for my apartment, due to covid money is tight and this is the only way I can Pay rent on time right now. My account says Pnc isnt letting me connect my account so this needs changed or unlocked or something
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4800.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1600.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2400.00}, XXXX  XXXX XXXX  Date Opened XX/XX/XXXX Balance {$2100.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}
Consumer complaint received 2023-03-04
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: PNC Bank N.A. (OH)

My husband and I applied with XXXX XXXX XXXX refinancing and when they pulled our credit report it doesnt show our current auto loan with PNCBank which we have had since XXXX  when we purchased the vehicle. When I called the bank they said they report it every thirty days. The person I spoke with filed a grievance but assured me they were reporting it every 30 days. After speaking with PNC Bank I called XXXX XXXX credit reporting bureau and they have no record of them reporting ever. I checked XXXX and XXXX and it does not show there either. We can not refinance without this report coming from the credit bureau. We are having financial problems and it is imperative that we have the refinancing done as soon as possible. Now we have to wait 30 days and this certainly doesnt seem fair because someone has made a bad error. Please expedite this as soon as possible.
Consumer complaint received 2024-04-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (VA)

Dear PayPal Support Team, I am writing to appeal the permanent limitation placed on my PayPal account associated with the email address XXXX I believe this limitation is a result of a misunderstanding, as I have not violated any of PayPal 's policies or engaged in unauthorized activities. 

Maintaining a positive and trustworthy relationship with PayPal is important to me, as I have been a dedicated user for an extended period. I am fully committed to resolving any issues or concerns that may have led to this unfortunate situation.

I kindly request a thorough reevaluation of my case, urging a careful examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am prepared to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

Thank you for your consideration. I look forward to your prompt response and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

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 2015-07-24
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (SC)

The amount owed was posted twice within a 30 day period. 
I only owe them {$160.00} dollars. They posted a collection with XXXX on XXXX/XXXX/15 and then again on XXXX/XXXX/15.
Consumer complaint received 2023-05-17
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. (CA)

I am submitting this complaint in order to verify some accounts that are erroneously reported in my file. The accounts must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents to FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX, So I am here to notify/complain to you directly through this platform XXXX XXXX  XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}.
Consumer complaint received 2017-10-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MT)

In early XXXX, XXXX, tried to sign in to my account at XXXX XXXX XXXX, and my user name and password simply did n't work any longer. The account is over one year old. Coinbase was unable to explain why they seemingly forgot my username and password. They told me that I must pretend that I am the one that forgot the password and go through that process. 

Attempts to go through that process simply do n't work. They required me to upload scans of my driver 's license. But their website was issuing error codes like " Constraints can not be met '', which reps at Coinbase could n't explain. 

On XXXX/XXXX/XXXX, a rep named XXXX blamed what she called an XXXX XXXX. But authorization apps do not come into play until after a login. So this was just an attempt to get rid of a complaining customer. 

On XXXX/XXXX/XXXX, XXXX sent an email message that a specialist would be contacting us. But that did n't happen. 

On XXXX/XXXX/XXXX A supervisor promised no more website frustrations would be required of me. He said this entire ordeal would be manually corrected and only email would be required. He said the driver license scans could be sent email. He assured me that a specialist would be contacting me. 

On XXXX/XXXX/XXXX, that so-called specialist simply sent me an email that required me to start all over again from the beginning using the XXXX browser. This was not what was promised. I was n't supposed to endure any more of their website dysfunction. 

On XXXX/XXXX/XXXX, Saturday, there is no phone support. I decide to try the entire process again using the XXXX browser. More problems. This time, the coinbase website permits me to select and perform a FILE UPLOAD process. It is specifically called " File Upload ''. But when I try to send scans of my driver 's license, it tells me that my WEBCAM is not recognized and that I should select a non-webcam method of sending files. So when I use " File Upload '' the Coinbase website somehow sees a webcam. Coinbase should be reminded that tens of thousands of photos are uploaded to XXXX every day by users of every imaginable combination of operating systems and browsers without any such problems. Yet Coinbase somehow blames their customers for such problems as evidenced by complaints scattered all over the Internet. 

I report all this to Coinbase and I hear nothing back.
Its my property and I entrusted Coinbase the same way I entrust a bank with my money. I just want the access I was promised. I just want my Bitcoins or I want access to my account so I can use/transfer those Bitcoins. From my perspective, I am suffering the identical damage as if this were a theft.
Consumer complaint received 2022-12-30
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. (MO)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS IN MY NAME : OXXXX XXXX XXXX XXXX XXXX XXXX  {$92.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$98.00} XXXX XXXX XXXX # XXXX {$250.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$290.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX {$110.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXXXXXX {$56.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$110.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$220.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1000.00} XX/XX/XXXX