davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

calls at all hours of the day, sometimes minutes apart. Uses several different numbers from the same company. Does not leave a message or any information to call back. Very stressful and depressing. Embarrassing that i can not use my phone without interruption from this caller
Consumer complaint received 2020-08-24
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. (VT)

In checking my credit report I note that a hard inquiry was reported to Equifax on XX/XX/XXXX from XXXX XXXX XXXX XXXX, XXXX, XXXX, TX XXXX -- XXXX. I have spent countless hours on the phone with XXXX XXXX XXXX -- 6 different departments -- all of whom say they have no record of a credit inquiry. They keep telling me to call Equifax. I did submit a dispute with Equifax and their response was that the inquiry is a factual record of file access. I further note that this same issue has been reported to XXXX XXXX XXXX since XXXX ; there are many references on the internet to that effect. Each department at XXXX XXXX XXXX refers me to other departments all of whom refer back to departments that I've already spoken with. So, I'm in the circle of illogic where Equifax is reporting a hard inquiry by a company that says they didn't do it. And each keeps telling me to call the other.
Consumer complaint received 2024-04-02
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. (NJ)

I am writing to formally dispute several fraudulent accounts that have appeared on my credit report. It has come to my attention that these erroneous entries are tarnishing my creditworthiness and standing, posing a grave injustice to my financial integrity. These accounts are blatantly false and do not reflect any financial transactions or agreements made by me. I have duly submitted the required FTC report complaint I filed at https : //www.identitytheft.gov/ and the banks have removed the accounts from other credit bureaus upon receiving my complaint. Furthermore, other credit bureaus have already deleted the accounts from their records and now I am questioning myself on waht kind of investigation have you made to still post those fraudulent accounts. 

XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX
Consumer complaint received 2017-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX ,   XXXX   and Transunion are reporting late payments for months on my credit report that I was on the rehabilation program with U.S DEPT of ED and in fact making payments to the U.S DEPT of ED during months  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX  to make payments for  XXXX  that were being drafted from out of my acct each month and these payments were paid on time each month and I was not late during neither of these times. In   XXXX   myself and the U.S Dept of ED changed the agreement form the rehabilitation program to a settlement agreement for my remaining balance to be paid in full by  XX/XX/XXXX . I was under agreement from  XX/XX/XXXX  XX/XX/XXXX  to pay my balance in full. I completed that agreement and paid my balance in full on  XX/XX/XXXX . I would like for each credit bureau  XXXX ,   XXXX    and Transunion to update my payment history with the accurate info showing my account was in fact being paid for the following months  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX  of  XXXX . And for the months  XXXX   XXXX  and   XXXX   of   XXXX   as well I was under agreement at this time and was told that no payments were going to be reported late because of my agreement that I had set up with the U.S DEPT of ED.
Consumer complaint received 2022-10-20
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. (FL)

My name 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 2022-12-08
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: TOYOTA MOTOR CREDIT CORPORATION (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have disputed this TOYOTA MOTOR CREDIT and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed. However, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed for XXXX as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The account status is wrong and should be correct. Now, I want you to remove this misinformation on my file TOYOTA MTR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

I had almost XXXX BTC ( XXXX ) in my Coinbase Pro account which was stolen XX/XX/2023. Ever since the migration from Coinbase Pro to Coinbase, I started having issues to sign in to my account through the app. Coinbase said I had to login through the browser which I did after a few attempts, resetting my password, sending a live selfie to authenticate my identity and waiting 24 hours to log back in, only to find out that my account had been left with only {$0.00}. I do not understand how it was so difficult for me to log into my own account and so easy for whoever stole my hard earned money and savings of many years. When I contacted Coinbase, I was never able to talk to anybody in the Support Team where they escalated the issue to. Something so serious and important as this, had to be handled through email only. There was never a supervisor or manager on site that they could transfer me to. One of the representatives I talked to in customer service even found it funny that I was so upset about what happened that started giggling while I talked to her. I thought since Coinbase is publicly traded in the US, it was a reputable company and that my money was safe with them. How is it possible that they are allowed to make money with our investments and they don't seem to be responsible for protecting our funds? Aren't they supposed to have some kind of insurance? After what happened, I heard that dormant accounts can be targeted and I was one that would not login everyday. I look at it as a long term investment so I would sign in once or twice a month, sometimes longer. It still bothers me that even credit cards take more security measures through text messages and calls to avoid scams than Coinbase who is supposed to be responsible for our investments. Why did they block the account once the money was stolen instead of blocking it when they saw all the money was being transferred until they verified that it was actually me sending the payment? I went to different police stations to file a report. One of the officers seemed mad that I was wasting their time and said they had nothing to do with this and that it was my responsibility as it was a high risk investment and Coinbase not a physical bank. It was as if she was glad I'd lost my money. I am very disappointed at how Coinbase has handled this as they don't want to take responsibility that my money disappeared from the account I had with them. I feel discouraged and I am taking a leap of faith in filing a complaint with this institution as one of my last recourses to recover my investment. Your attention and help with this matter will be greatly appreciated!
Consumer complaint received 2023-08-18
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. (VA)

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 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

My name is XXXX XXXX I saw my credit report had a debt for a person with the name of XXXX XXXX on it I called the collections agency XXXX and told them so they can remove it they have not done so
Consumer complaint received 2024-04-02
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. (FL)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$6600.00} XXXX  XXXX Balance : {$4400.00} XXXX  XXXX Balance : {$6300.00} XXXX  XXXX Balance : {$6400.00} XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2022-12-08
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. (CA)

On XX/XX/XXXX, I submitted a request to block accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXXXXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
Below are the following accounts that need attention 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
Consumer complaint received 2022-12-08
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)

On XX/XX/XXXX, I submitted a request to block accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX XXXX XXXXXXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
Below are the following accounts that need attention 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
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

I have contacted Experian, XXXX, and XXXX, several times to update addresses that I have never lived at and remove aliases due to identity theft. 

The name and only name I go by is XXXX XXXX, and do not go by any alias as shown by all credit bureau reports as XXXX XXXX. 



My only deliverable address per United States Postal Service is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX
Consumer complaint received 2023-04-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

Mohela keeps you on customer service calls and doesnt answer the phone. I've been on 3 calls waiting for 2-3 hours to only be hung up on. Mohela does not have an email address. I have not received any help with my loans and they are not providing me with any information about my loan payment history or how to add to my payment of my loan
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX Balance : {$350.00} ; XXXX XXXX  XXXX Balance : {$120.00} ; XXXX XXXX XXXX Balance : {$4800.00} ; XXXX XXXX  XXXX Balance : {$800.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$750.00} ; ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$370.00} ; XXXX XXXX XXXX : {$1700.00} ; XXXX XXXX  Bankruptcy Date XXXX : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2021-03-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX  and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2023-08-18
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. (VA)

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. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 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 an 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.