davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-18
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. (AR)

I am submitting this complaint submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; DEPT OF ED/XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX Opened XXXX XXXX XXXX XXXX Balance {$370.00} ; XXXX XXXX XXXX  XXXX XXXX Opened XXXX XXXX, XXXX Balance {$760.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3700.00} ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$1600.00} ; XXXX XXXX Inquiry : XX/XX/XXXX ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$760.00} ; XXXX XXXXXXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$370.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3700.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX XXXX XXXX Balance {$1600.00}.
Consumer complaint received 2022-11-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MO)

I have had an ongoing issue with Coinbase Inc. I reached out to them because I am blocked and can not access my own account. They admitted that there are unauthorized charges on my account, yet they refuse to do anything about it. The day I reached out was XX/XX/2022 so I could view the transactions for myself, and they won't even provide the information to me. I have {$13000.00} worth of unauthorized charges on my account. I can provide my bank statements with all of the charges if need be.
Consumer complaint received 2023-02-22
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. (NY)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX CARD XXXX XXXX CARD XXXX XXXX XX/XX/2022
Consumer complaint received 2023-02-14
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)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-23
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. (GA)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-11-23
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/2022 someone opened a savings account online using my information at Bank of America this is the second time in 4 days that this has happened at this bank. I got them both supposedly close at the bank according to there fraud department but the bank does not have my information flagged in there system to get this to stop happening. The first time this happened was on XX/XX/2022. The bank has not asked for any sort of proper identification such as a proper drivers license and current address.
Consumer complaint received 2023-05-12
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Experian Information Solutions Inc. (GA)

EXPERIAN continues to sell my information to fraudulent debt collectors as EXPERIAN creates bonds in the name XXXX XXXX and capitalize off the name. Ive sent several legal documentations and affidavits to EXPERIAN on instructions and information about my name, updated address and laws citied on the documentation. EXPERIAN is exploiting and selling my information with out consent. They sending notices to send them documentation of my name and address. They refuse to follow the Fair act, consumer laws and USC. EXPERIAN is the true criminal enterprise.
Consumer complaint received 2016-11-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ray Klein, Inc. (OR)

I 've recently received a letter threatening legal action for medical collection accounts that belong to my husband. They have recently been reported on my credit report. There are XXXX accounts, XXXX of them do not belong to me. I am not responsible for his debts and I do n't think it is right for this company to bundle all our accounts into one and go after both of us for each others debts.
Consumer complaint received 2023-08-18
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

Equifax won't remove negative items from my report, I called several times and provided documentations, The other Bureaus were able to remove why can't Equifax do the same. Congress passed the FCRA Laws which allows you to permanently remove negative items from your credit report using prewritten dispute letters which I provided. You can remove these following items legally Collections Late Payments Medical Bills Repossessions Evictions Charge Offs Bankruptcies HOSPITAL BILLS, STUDENT LOANS, CAR REPOS, CHARGE OFFS, LATE PAYMENTS AND BANKRUPTCYS and pursuant to the following codes it should be removed. 15 U.S.code 1666b 15 U.S.code 1666, 15 U.S.code 1681B, 15 U.S.code 1681A. XXXX XXXX XXXX ( XXXX ID : XXXX ) won't provide any documentation that this account belongs to me and Per XXXX XXXX XXXX there not even licensed to operate in the state of California. Therefore, it needs to be removed from my account immediately. XXXXXXXX XXXX it's a car repo since 2016 with {$65.00} charge account is charged off, I called XXXX the phone is disconnected maybe there closed why is it still on my credit report. XXXX XXXX XXXX still didn't provide the purchase contract that proves they own the debt. Why is FCRA law is ignored. Please help me don't just write reviewed by the company and close the file. Thank you.
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SANTANDER HOLDINGS USA, INC. (PA)

Hi, I opened my checking account on XX/XX/2023 at XXXX XXXX XXXX XXXX, XXXX, PA XXXX with XXXX XXXX. Now im having issues accessing to my online banking, I could enter but now the system is giving error.
Consumer complaint received 2022-12-28
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. (NY)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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 2023-08-09
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC (MA)

I had purchased furniture from XXXX and XXXX. They use genesis financial services. When I received my account in the mail, I went to put in an online account. It would not take it I called. XXXX and XXXX had entered the correct Social Security number. I have verified that it was somebody on genesis side that had put it in incorrectly ..They said that I had an incorrect Social Security number. They said the only way that that could be rectified is if I sent in a copy of my drivers license and or a copy of my Social Security card I received a letter on XX/XX/XXXX. I did send in a copy of my drivers license along with a copy identifying me in my account then on the XXXX I received another XXXX stating that I had 30 days to send in my Social Security card I fax that over, that was the only way they were able to correct the error with my Social Security number. It was the last XXXX digits. I received a letter today stating they did receive it however, due to the inconsistencies of the last XXXX digits of the Social Security number, they closed my account. I have done everything that they had asked me to do and I find it appalling that they would just go in close my account. I did speak with a gentleman today who said that someone did try to call me on XX/XX/XXXX however, I never did receive a message if I had I certainly wouldve called back. Ive been dealing with this now for almost 2 months
Consumer complaint received 2023-08-09
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. (NV)

Months ago, I sent the XXXX credit bureaus a letter asking 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 mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : 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 2023-02-02
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. (NV)

In accordace 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. 
Account Number : XXXX XXXX XXXX. 
Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 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 instruction 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 XXXXXXXX XXXX 

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 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (GA)

Account # XXXX | Reason : This letter is regarding this account which you claim I have a collection with your organization. This notice is to let you know your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A. (NY)

On XXXX, XX/XX/2023, the balance on my checking account ( all pending transactions accounted for ) was about {$940.00}. In the afternoon on the same day, I used my debit card to make a purchase for {$45.00} at my local supermarket. When I checked my balance about an hour later, the balance on the checking account was about {$410.00}. Based on my basic math and arithmetic skills, a {$45.00} transaction can not bring down a balance by {$470.00}. I said to myself, let me give Citibank ( the bank I use for my checking account ) a few days to post this " invisible transaction '' that lowered my balance to {$470.00}. I called Citibank yesterday ( XX/XX/2023 ) 3 times ; the first 2 times the calls get mysteriously drop when I am explaining the situation to them. As of today, XX/XX/2023, the {$470.00} is still mysteriously gone from my account with no corresponding transaction. The money just vanished into thin air and Citibank can not provide an explanation as to why the money is missing. I have printed all recent statements and also printed a list of recent transactions to support my claim. Keep in mind that Citibank has a habit of " ghosting '' funds from my account prior to the statement closing date. They " take '' their bank fees at least 5 days before the statement closing date. Those funds would be missing from the account without any corresponding transaction. Monthly service fees range from $ XXXX, so I let all these small invisible transactions go away without filing a complaint. But this {$470.00} invisible transaction has made me miss my rent payment which was due yesterday. This is how Citibank treat XXXX  who patronize their bank.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nationwide Recovery Systems, Ltd (FL)

Im a consumer a natural living man. All debts are obligations of United States. I did not give any consent. I did not get the full disclosure to opt out. I do not consent to the share in of my non public information. This is a transaction and experience that took place between XXXX Recovery/ XXXX and XXXX and its no ones business. Why is it on my report there using the credit report to extort me, defame my character and tarnish my credit worthiness. There furnishing deceptive forms. XXXX RecoveryXXXX has XXXX a XXXX. Its discrimination
Consumer complaint received 2023-02-02
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. (NJ)

In accordance with 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 Account name XXXX XXXX # XXXX Account name- XXXX  # XXXX account name-XXXX XXXX # XXXX Account 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 make make any consumer report containing any of the following items of information any other adverse item of information, other than records of convenience of crimes which antedate 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 2023-08-08
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: Bread Financial Holdings, Inc. (IL)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 2023-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

XXXX alerted me that Bank of America had opened an unrequested credit card in my name. I was a co-signer only on my late father 's XXXX account. I called XXXX, and they cancelled the card. I asked for a copy of the application, which I'm entitled to, but they never sent it, which leads me to believe there was none, which indicates the bank itself initiated the application.
Consumer complaint received 2023-02-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

This is a complaint against XXXX. After months of calling, leaving messages, and agents tellng me that Manager will call me from XX/XX/2022, todate I have not received any calls from XXXX to resovle this matter. 
Because of XXXX  MISTAKE IN INCORRECTLY REPORTING AN ACCOUNT WHICH SHOULD HAVE NOT BEEN ON MY CREDIT REPORT, MY CREDIT SCORE DECREASED BY XXXX POINTS. JUST LAST MONTH ( XXXX 2022 ) XXXX REMOVED THIS ACCOUNT FROM MY CREDIT FILE, THOUGH ITS REMOVED, MY CREDIT SCORE POINTS HAVE NOT BEEN RESTORED. 
XXXX  NEGLIGENCE AND IGNORANCE CAUSED ME A LOT OF FINANCIAL, HOUSING, SUFFER EMOTIONAL DISTRESS. 
XXXX REPORTED FALSELY TO DOJ AS WELL, AND TO DATE HAVE NOT FIXED MY CREDIT SCORES.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (IL)

I called this company when I first saw this on my report some years ago and told them I never had this account. I also disputed this company. I didn't see this until recently and I disputed this company again. This is not my account. 

I also had some identity theft and I have a XXXX police report number # XXXX