davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (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 XXXXXXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 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. (TX)

I submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.
Consumer complaint received 2023-09-05
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. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have late payment entries that have been recorded on XXXX, XXXX XXXX  XX/XX/2019 ; XX/XX/2019. I have a solid track record of making on-time payments for this account. Therefore, I have reason to believe that this reporting is inaccurate.
Consumer complaint received 2023-04-19
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

RE : Portfolio Recovery - XXXX XXXX I was never late on the payoff account listed above please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account if you can not supply this please delete this alleged late payment from my credit report. 
This is an invalid late payment The FCR a allows 30 days for this to be rectified.
Consumer complaint received 2023-03-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Credit Management, Inc (AR)

Professional credit has reported and alleged debt on my credit report and continues to contact me by phone. I believe they gave violated the FDCPA, FCRA, and defamation of character by reporting derogatory and or delinquent allegations upon my credit. I have sent a ceased and desist to this company as well Im regards to this alleged debt. I have not authorized anything within this company of this alleged debt.
Consumer complaint received 2023-06-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

My account has recently been suspended and despite my efforts to contact customer service, they have been unable to provide any help or support to unsuspend my account. 

The customer service team have informed me that it is an automated system that decided to suspend my account and unfortunately, there is nothing they can do to reverse this decision. This has left me feeling extremely let down and unsupported by Coinbase, especially as I've done nothing wrong I have been treated poorly and left with no resolution to my account suspension.
Consumer complaint received 2022-12-09
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: Experian Information Solutions Inc. (PA)

To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-11-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (OH)

I got notified that my funds were being used so I reported the transactions. And the same night I got an email stating I could no longer use PayPal that they were limiting my account. Now my funds are stuck in Freeze AGAIN. This happened to me a few years ago where they froze my funds for an entire year and after the year was up, they apologized stating it was a big mistake on their end and allowed me to continue using pay pal. Which I really didn't want to because they held almost {$2000.00} for almost a year. But I continue using it after a few months. Well here I am again being told I violated terms and conditions set by PayPal when I simply didn't do anything again. Except report some transactions that weren't mine. They are giving me the same speech about how they noticed suspicious activity on my account and this time they didn't even give me time to submit any documents or anything they just XXXX down my entire account and I can't use it anymore. Paypal already has a class action lawsuit for this same thing currently and I no longer will allow them to launder my money.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

3. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX  Account Number : XXXX Delete From My CREDIT REPORT 5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

Credit bureaus received my dispute letters on XX/XX/XXXX and still have not replied back. By law they have 30 days, I have sent in a Demand to Comply letter to the credit bureaus and still not response back. These negative items are negatively affecting me and causing me a hardship and will need these items removed ASAP due to not response from the bureau. I have attached the Demand to Comply and the Dispute letters that were sent out to this claim.
Consumer complaint received 2023-10-05
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Zions Debt Holdings (TX)

I sold a home almost 7 years ago and the buyer took over the security system contract. Both buyer and I ( seller ) provided this information in the original contract. A company with multiple complaints with the Federal Trade Commission ( Zion Debt Holdings ) has recently started harassing ME about this debt with the company Vivint. Ive produced documentation and asked them to STOP contacting and harassing me, even after I put it in writing to stop harassing me because I do not owe the money. Their employee name XXXX keeps contacting me via text on my personal cell phone. I am a busy doctor and she wont stop contacting and threatening me.
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Early Warning Services, LLC (NC)

Contribution Reference XXXX XXXX XXXX XXXX XXXXXXXX I disputed this account with Early Warning Services back in XX/XX/2023 the information they are reporting is incorrect and inaccurate and I would like to have this account removed from my credit report immediately. I've also disputed this account with XXXX  XXXX XXXX through CFPB and I've filed a identity theft report.
Consumer complaint received 2023-04-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Albert Corporation (CA)

On XX/XX/23 Albert took {$96.00} out of my XXXX checking account which I did not authorize. I contacted them immediately because I didn't have a payday loan or any other kind of payment due to them. They told me that the {$96.00} was for a years subscription to XXXX, which is some kind of program they offer. I told them I never subscribed to any such thing, nor did I authorize them to take anything out of my XXXX account and I asked for my money back. Round and round we went and they finally agreed to give me my money back, but that it was going to take 4-6 business days. I asked why they couldn't return what they took immediately because it was going to cause my XXXX account to get overdrawn, and that inherently leads to a multitude of other problems. They said they can't process refunds that way and to just be patient. We'll, I still haven't received a refund. I think potentially this is a scam that they run on a lot of people and maybe nobody has reported it and them yet. I have copies of all of our texts back and forth along with my XXXX Bank statement if needed. I just need my {$96.00} back. At this point I'm screwed because of this unauthorized withdraw from my account in so many ways I'm not even sure where to begin other than I've also incurred an overdraft fee from it. Unfortunately I'm caught up In the middle of the payday loan cycle. It's a very delicate balancing act. When that one domino fell its created a chain reaction I'm not sure how to recover from. Please let me know what other information you need from me. I'm unaware of how this process works, but I want to learn and here to help.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXXI ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$1700.00} ; XXXX XXXX XXXX/XXXX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-09-09
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. (FL)

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (VA)

I was on a XXXX driven repayment plan with Nelnet student loans and all of a sudden my payments stopped and it says the next is not due till XXXX. This is not correct and I have not authorized this. I need to be on the plan that I set up because I am in the middle of purchasing a home build loan and this needs to reflect what I authorized. I have been trying to contact Nelnet for weeks. Today I was on hold for over XXXX hours with no answers. I visited their facebook page and thousands of people are dealing with the same issue. I need to know what happened to my account and how can I get it back to the income driven repayment plan that I set up. Nelnet is not answering or complying with federal laws.
Consumer complaint received 2023-04-23
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. (WA)

In accordance with the fair credit reporting act XXXX  account # 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
Consumer complaint received 2023-12-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (AL)

Discover bank closed my account on XXXX XXXX. I opened the account on XX/XX/2023. I used my card and paid the total amount before the statement report. Each statement report was XXXX. I didnt receive a letter about fraudulent Transactions and they closed my account without any reasons and that affects my credit score.
Consumer complaint received 2023-06-06
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. (TX)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (NJ)

I opened a Citibank business checking account in XX/XX/2022 with {$38000.00}. Within one week, they'd frozen the account and submitted it for fraud investigation. I was informed that they had 30-90 days to complete their investigation and close my account, but it's been seven months and I still have no answers ( or my money ) despite multiple visits to my branch/the manager and calls to the fraud department. The funds have cleared the account of the issuer and are sitting with Citibank. I want them to close my account and return my money.
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. (PA)

While checking my most recent credit report, I noticed 3 hard credit inquiries and personal identification information that I did not authorize, I am unaware of, and believe to be fraudulently made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiries and view my credit report and believe these to be fraudulent. This violates the Fair Credit Reporting Act Section 1681b ( c ) and is a serious breach of my privacy rights. I formally request that these fraudulent inquiries and Accounts be immediately deleted from the credit file that you maintain under my Social Security number. 
I called all companies involved, canceled or closed any products issued, and was instructed by these companies and XXXX to let you know formally with these instructions included. Ive attached an FTC Report # XXXX, as well as my official License state ID, Social Security Card, and Proof of current Residency. If anything comes verified, show me signatures and original documents showing true accuracy.
Consumer complaint received 2023-04-28
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. (TX)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate information continues to do harm to my credit. Please provide me with verifiable proof these accounts belong to me. 

Kindly eliminate the accompanying records as they are false and were opened without my assent or information.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Credit bureaus received my dispute letters on XX/XX/XXXX and still have not replied back. By law they have 30 days, I have sent in a Demand to Comply letter to the credit bureaus and still not response back. These negative items are negatively affecting me and causing me a hardship and will need these items removed ASAP due to not response from the bureau. I have attached the Demand to Comply and the Dispute letters that were sent out to this claim.