davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-05
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: HOVG, LLC (AZ)

I have written XXXX in XXXX, XXXX, and now XX/XX/2022. The collection agency Bay Area Credit Services, account XXXX and XXXX failed twice to communicate and validate the debt with me according to my rights under the Fair Credit Reporting Act. I've requested these collection accounts be investigated and removed. All I get back from XXXX is " the account has been verified ''. They and Bay Area Credit Services have not provided me any proof or validation as requested 3 separate times and it continues to show on my consumer report. Again the collection agency fails to provide validation or communication as well.
Consumer complaint received 2023-09-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NJ)

I was trying to move my crypto into XXXX dollars and tried to use CoinBase. Based on the statements on the CoinBase website, I transferred {$12000.00} of XXXX on the XXXX network to CoinBase. I used the address CoinBase gave me and the transaction ID is here : https : XXXX The tokens never appeared in my CoinBase account. I have spoken to CoinBase XXXX as well as making a Formal complaint. Their response has been basically that it is my fault and there is nothing they can do. CoinBase bears this responsibility since they said that they can accept any XXXX token. XXXX is an XXXX token so it should work. While they claim that they don't support the token on XXXX and that there is nothing that they can do, in reality it would be a very easy job for someone at CoinBase with technical skills to either return the funds to my XXXX wallet or to credit them to my CoinBase wallet.
Consumer complaint received 2022-10-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

To whom it may concern, I sent up a recurring bank wire from Citizens Bank in XXXX 2022 In which I was able to wire money from my Citizens Bank account to my XXXX bank account in the XXXX. I called the wire department on Monday and they said I needed a PIN number to make the transaction. I told them I wasn't issued a PIN number but I have a reference number and a repetitive code to do the transfer. 
They refused to send me a PIN number so I can't do a wire transfer and time is of the essence. Can you please reach out to Citizens Bank so they can use a confidential email or text to send me the pin, like XXXX XXXX and other financial institutions do. Thank you for your advance concern. XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-21
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair credit reporting act XXXX BANK XXXX violated my rights 15 u.s.c. 1681 section 602 a .states i have the right to privacy 115 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. 166 b a creditor may not treat A payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2023-03-06
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-11
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

USAA SAVINGS BANK ACCOUNT NUMBER # XXXX OPEN DATE XX/XX/2007 {$32000.00} THIS IS NOT MY ACCOUNT I WAS NEVER IN THE MILITARY OR NOR DO I HAVE A BANK ACCOUNT WITH THIS BANK I NEED THE REMOVE
Consumer complaint received 2022-09-21
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. (TX)

The CARES Act modifies the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( the FCRA ) by precluding furnishers of credit information ( which specifically includes all major banks ) from reporting any deferred payments, forbearances, or other missed payments during the covered period. 

XXXX XXXX XXXX XXXX As you can see I have been violated and due to the damages that have been done to my report, you are civilly liable to me in the amount of { {$8000.00} }. 

I will attach screenshot and bureau supposed investigation
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX and U.S. Bankruptcy Court XXXX. Please delete these accounts ASAP.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Ive been trying to dispute this account on my report but my dispute has been ignored. I am requesting that you look into this matter again as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
Experian : XXXX Date Opened : XX/XX/2019 XXXX Balance Owed : {$12000.00} XXXXXXXX XXXX XXXX  Date Opened : XX/XX/2019 XXXX Balance Owed : {$12000.00}. Kindly be sure with the accuracy and precision with these customer record items. Related information similar to this, this is amazingly harmful to my current credit record! Kindly provide that the particular information is 100 % verifiable and appropriate.
Consumer complaint received 2022-09-20
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: Experian Information Solutions Inc. (NY)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to orivacy and confidentiality under 15 USC 1681. 
Accounts XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years. 
15 U.S.C 1681 s-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 2018-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (IL)

I have been contacting Citi Bank in regards to my Preferred Master card account ending in XXXX to resolve simple issue related to my online access. Citibank customer resolution department and other related departments were unable to assist me or resolve issue with my online account due to unprofessional customer service team. My account has been enrolled into Debt Management program since XX/XX/XXXX. I contacted Citibank numerous times and spoke a few different service representatives from different departments including customer service, collections, customer resolution, and online support departments to resolve issue with my online account access. For some reason, Citibank collection department placed a hold on my account to view my online billing statements and the only way I can view my billing statements to receive them by mail. 
I spoke to Citibank on XX/XX/XXXX, and XX/XX/XXXX and prior times about my account. Their customer service, including XXXX department located in XXXX and their representatives are very unprofessional, rude, and lack of knowledge. I spent over one hour to speak to them and I was unable to resolve the above issue. The last supervisor from XXXX department located in XXXX named XXXX advised me since account is closed and set up into repayment program, I will not have access to my online billing statements and the only way to view my statements by contacting them and request them to be mailed to my address. This is absolutely unacceptable. I have a balance on my account and I still have access to my online account since that and I'm only able to view my balance and make my payments online. However, I'm unable to view my online billing statements. Online support department advised me that collection department placed a hold on my account and my account is past due. Regardless the status of my account, I will need to have access to my account online. All my attempts to resolve this issue and other issues related to my account were unsuccessful.
Consumer complaint received 2022-09-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

On XX/XX/2019 I filed a police report ( # XXXX XXXX ) with XXXX XXXX XXXXXXXX XXXX XXXX ) regarding a wire transfer in the amount of {$26000.00} for a purchase of a house through XXXX XXXX / Randolph Brooks Federal Credit Union. The wire transfer appears to have gone to a fraudulent account. XXXX XXXX instructed me to contact the XXXX Fraud Department. 

Eventually I was able to only recoup approximately {$1500.00} after my wife, who has since passed away, was the looking into the lost funds. I was able to locate the original XXXX  report ( attached ).
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

Hey there! 

I hope this message finds you well. I just wanted to reach out and discuss an issue I've been having with a list of accounts. It seems that these accounts have violated my rights to privacy and confidentiality under the Fair Credit Reporting Act ( 15 USC 1681 ). 

I've already contacted XXXX, XXXX, and Equifax on XX/XX/XXXX  to ask them to look into these accounts. 

However, they have informed me that everything is complete and accurate. I find this hard to believe, as there are discrepancies in the open dates, dates of last activity, and other important details. According to 15 USC 1681i ( 5 ), they should be making modifications to any accounts that are not reporting correctly. 

Furthermore, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is stated that no one should provide inaccurate information on to a consumer reporting agency. With this in mind, I kindly request that these items/accounts be removed immediately. 

I appreciate your attention to this matter, and I look forward to resolving this issue with your assistance. Thank you for your time and cooperation! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Warm regards, XXXX XXXX
Consumer complaint received 2023-08-10
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. (NY)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-04-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX I submitted info requested by fax. They still wont tell me whats wrong and the verbally state all my information yet continually state they need to verify
Consumer complaint received 2022-09-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2023-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

I received an email at XXXX XXXX  EST today ( XX/XX/2023 ) from TSI asking that I owe XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$52.00}. I have not contacted the debt collection agency. My last name matches with the last of the actual person. TSI created an account using my email address without my knowledge.
Consumer complaint received 2022-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX XX/XX/2022 the price for my homeowners insurance was lowered from {$2100.00} to {$1600.00}. The insurance company sent Bank of America and I a copy of the Insurance page showing the change. Almost 30 ( Thirty ) days after the document was mailed to BOA, on XXXX XX/XX/2022 they still charged my escrow account the higher price of {$2100.00}. I contacted customer service and they refered me to the ihavesurance website, to show that I have insurance ( which I have ) its the price that is in question. That site referfed back to customer service since it was an End of Year issue. I emailed them to Request Escrow be adjusted to refect the correct price. Those emails were sent on the Bank of America secure website. 
Every time I email them on an issue they address a completely different one and just pass the buck. Calling on the phone puts on on a endless advertising loop for al least 20+ minutes. Seems every time I send them a secure message, for one issue as if they do not understand English they address another issue. Please note that with the higher insurance rate the escrow analsis will charge a higher property insurance rate ; which will increase my payment to an amount I may not be able to pay. I feel this is just the bank trying to keep more funds in the escrow account to serve them better.
Consumer complaint received 2023-08-09
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. (KY)

On XX/XX/2023 I went to XXXX simply to browse vehicles, I noticed a XXXX XXXX that caught my eye and decided to take it for a test drive. When I came back from the test drive the sales representative asked if I would like to see the numbers. Upon doing so she ensued to run a hard credit inquiry on all three of my bureaus with multiple institutions ( 4 inquiries on Transunion XXXX XXXX, and 3 on XXXX. ) The representative didnt ask for my consent to pull my credit for ONE inquiry let alone XXXX.
Consumer complaint received 2022-12-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc (NY)

On XXXX XXXX withdraws were attempted at ATM ( XXXX ) @ XXXX XXXX XXXX for XXXX XXXX XXXX for XXXX XXXX XXXX ( XXXX XXXX ) XXXX would not give the money from the ATM. This happened before and the XXXX XXXX card worked successfully mins later at XXXX and I think XXXX 's. The first time I did this I reset all the pins to insure that they were the correct pin number and I have not changed the pins since.
Consumer complaint received 2023-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

I have gone on IDENTITY THEFT.GOV Identity Theft Report, and a copy of my credit report showing the fraudulent someone stole my wallet and ID. 

National Credit Adjusters , LLC XXXX XXXX XXXX XXXX XXXX, KS XXXX items. Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, remove debt on my account. 
XXXX XXXX
Consumer complaint received 2023-08-06
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: Affirm Holdings, Inc (CA)

Your inaccurate reporting has had severe consequences on my character, reputation, lifestyle, and ability to obtain credit for personal and housing purposes. It has significantly impacted my livelihood.
Consumer complaint received 2022-11-26
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. (GA)

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.