davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: LEXISNEXIS (CA)

I received an auto Insurance policy quote for two vehicles via internet. It sounded reasonable so I signed up and paid the installment fee. when I was ready to print out the proof of insurance cards there was only one vehicle on the policy. I was told if I wanted to add the other one it would be an additional amount. So I paid it. Then a month into the policy I received notice that I was not entitled to the original quoted policy due to a decision made by the Underwriters. I ask for the contact info of said underwriters and requested a copy of the reason behind their determining decision.
I received a 22 page report that contained nothing but my previous addresses and what type of mailboxes I 've had at those addresses.
Another section of the report explained how to read the report and the results of my traffic violation search. Results : No Records Found Another section Stated my current address as reported by a company called " XXXX XXXX XXXX '' Okay, that info was correct.
XXXX XXXX XXXX. reported that I had registered to vote under my maiden name.
Well, I was married at the age of XXXX and never used my maiden name after that.
They failed to give a year for this information.
Another section assessed the value of my home and stated that it had a high risk address description dated 5 years ago. I also lived at another high risk address in 2006. ( over 10 years ago ) Criminal Records : No records found Education Records : I 'm listed as a student. It does not say where. I 'm XXXX years old and not a student.
Lawsuits, Civil Filings Judgements and liens : No Records Found Oh yes, XXXX XXXX XXXX XXXX lists my e-mail address No phone records No Professional Licenses No personal purchase Activity Records No Short Term Credit Offer Request Records It goes on and on with XXXX XXXX Inquiry Records, Consumer Reported Statement, Consumer Reported Alerts, and Consumer Reported Disputes ... .all : No Records Found I paying higher than normal rates for Auto Insurance based on all this nonsense and I do n't know how to fix it.
I am on XXXX, I drive less than 10,000 miles a year
Consumer complaint received 2017-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (ND)

I want XXXX XXXX, Equifax and XXXX to update my credit report with the following personal information : Employer : XXXX XXXX XXXX, Position : XXXX XXXX XXXX ( XXXX XXXX Annual Salary : {>= $1,000,000} ( $ XXXX ), Annual/Total Household Income : {>= $1,000,000} ( $ XXXX )
Consumer complaint received 2021-02-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cadillac Accounts Receivable Management (IN)

I provided the correct information to the company they choose to not send the claim to the correct claims address to be paid.. I answered everytime they called an gave them the correct information to send claims to but they never sent them. Instead sent to collections even though they had a claims address for XXXX XXXX on file. I called my insurance they said company never sent anything. I called XXXX XXXX representative stated a completely different address they sent claims to told her this was incorrect she stated will theres nothing we can do thats were we sent it talk to collections. 

Attached is the correct claims address when checking there records you will see they did not sent here
Consumer complaint received 2023-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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 2021-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Trans Union Consumer I send in a Dispute letter on the date of XX/XX/XXXX for a list of Inquiries did not Authorize The Inquiries are still reporting to my credit report and this not the first disputing Info on my report with XXXX  and also call in about Authorize Info on my report date of XX/XX/XXXX. I was ask about 3-7 lady on the phone was not trying to help keep on saying to me that Inquiries can not be removed and had me on hold for one hour VERY BAD CUSTOMER SERVICE Never had a chance to Dispute nothing on my report Fraudulent Inquiry Details XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Credit Union XXXX XXXX  Inquiry from XX/XX/XXXX Credit Union XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry  from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX. 

XXXX XXXX Inquiry from XX/XX/XXXX Please Remove From My Credit Report
Consumer complaint received 2023-07-22
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. (TX)

Did not recognize or authorize this credit inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was an XXXX  XXXX. Due to COVID 19 restriction and class changes, I was not able to enter into US, thus I stopped using my BofA accounts. BofA then started charging me monthly maintenance fee, overdraft fee and other fees in the total amount of {$340.00}. I asked my relative and friend to go to the branch and help me get the fee waivers and close the account. The branch assistant XXXX XXXX stated that I have to reach out to the call center in order to request the fee waivers before closing it, BofA will allow 3 fee waivers in 12 months period. However, when we made the call to the call center, we were told that there is no such refund policy. We are not sure who is misrepresenting to us. Nevertheless, I requested to close all of my depository accounts. 

Several months later, I discovered that one of my account was not closed as requested, because there was another monthly maintenance fee, and BofA requested me to pay for it before closing it. This is highly unacceptable! Moreover, BofA changed my social security number on file, and restricted me to go to the branch for further actions. BofA was well aware the fact that I'm not living in the US, that I can not reach out to them, but intentionally change my profile info without my acknowledgement, charging me fees and making profit out of me. The way they treat XXXX XXXX  or immigrants is such a shame!
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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.

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 inructions 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 2022-11-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MA)

On XX/XX/2022 I noticed some fraudulent charges on My Coinbase account from my Coinbase debit card. The charges were from XXXX XXXX for {$67.00} and there were at least XXXX charges from XXXX. I contacted Coinbase to report this and at the same time I locked my Coinbase Debit Card. On the same day XX/XX/2022 my wife attempted to call me to find that the voicemail was going to a XXXX XXXX phone account. At this point on Monday XX/XX/2022 and Tuesday XX/XX/2022 my XXXX cell phone was still active. I was able to place phone calls. On Wednesday XX/XX/2022 morning I went to look at my Coinbase account and was unable to log in and my cell phone was unable to receive or place phone calls. I called Coinbase the crypto exchange in which I have funds invested. To find that the customer service representative was unable to locate the account based on the e-mail used which was XXXX and also my cell phone number. It seems that who or what ever hacked into my Coinbase account had changed all the log in information. The Coinbase account had {$6400.00} stolen and according to the Coinbase representative the money was deposited into a bank account. But not into my bank account. In addition, I contacted XXXX and had my compromised cell service restored by changing the sim card number. In addition to removing {$6400.00} from my Coinbase account the XXXX removed a total of {$820.00} from our XXXX account which would have been deposited into the account that was stolen. the debited {$820.00} had Coinbase as the receiving account. The XXXX banking information was in my stolen account using the XXXX debit card number. XXXX was notified and the {$820.00} was credited back into the XXXX checking account. The debits cards were canceled and a freeze on any Coinbase withdrawals was created indefinitely. The complaint number for Coinbase is XXXX. Coinbase has stated that the theft was escalated
Consumer complaint received 2023-06-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (FL)

Citi bank continuously for a year illegally withholding money from my account and never credited the sign up bonus to my account after all conditions have been met almost a year ago. The bank has been informed and sent twice by regular mail and once via email with proof of delivery all the documents they needed signed back to them, however, they continued to withhold the money from my account on a monthly basis and never credited my sign up bonus.
Consumer complaint received 2023-05-18
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. (FL)

This is my eight attempts to tell you that my complaints must be resolved regarding to these inaccurate informations that are still repeated reporting on my credit file. I am asking for your help to investigate these informations and i think these items does not belongs to me and i never signed any agreement about this.The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. No one seems to care about this, so again, i am requesting a clear copy of my credit report without any erroneous informations again. These items must be deleted NOW : XXXXXXXX XXXX  XXXX XXXX Balance {$1000.00} ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXXXXXX Inquired on XX/XX/XXXX.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I am requesting that the lates be removed from my credit reports due to the inaccuracy of the reportings. Each credit bureau has a different reporting, some show payments were on time but another report shows 60days late for the same month and year. Also it shows 30, 60 then 120 days delinquent but what happened to 90?! ( Example on XXXX it shows late XXXX  30 days XXXX  60 days XXXX  120 days but on equifax its current all XXXX except XXXX. ) T his is a clear violation of the Fair credit reporting act. Also it looks like combined information because my credit was pulled using XXXX XXXX and there are two XXXX XXXX accounts with different account numbers opened on the same date, closed on the same date, same credit limits but different payment history. 
I also requested for this account to be closed and it wasnt closed resulting in fees and late fees. It was finally escalated in XX/XX/XXXX and closed after the complaint was handled by XXXX a member of management.
Consumer complaint received 2023-01-05
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Home Point Financial Corporation (AL)

There were 2 mortgages opened without my knowledge. This is clearly fraudulent. Listed below are the details of each mortgage. 
HOME POINT FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HOME POINT FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tried to dispute these accounts multiple times but the company did not take action on the dispute I filed. I am attaching my FTC Affidavit to back up my claims.
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is an item from XXXX XXXX XXXX  that has been appearantly sold to XXXX XXXX XXXX, that does not belong to me. I have reached out several times to ask for validation, but I have never received any type of proper response about the account. I have just did more research on the company and after learning who the creditor is, I realize the account is not mine, beyond a shadow of a doubt, because I have never had this type of credit line issued to me as an individual or an entity which whom I am responsible for in any way shape or form, as I live and breath. 
I do not own any credit line, or credit card issued by the original creditor, nor the collection agency that has purchased the debt owe by the unassociated party who is responsible for the debt, unrelated to me. The original debt has obviously been established by another individual or entity that is identified by a similar descriptive title or name or branding and is not associated or related to me, and is not, in any way shape or form, me.
Consumer complaint received 2024-03-22
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. (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 XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX  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 informat
ion 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 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XX/XX/XXXX, XX/XX/XXXX, and In accordance with the fair credit reporting act, this creditor XXXX XXXX has violated my rights. Under 15 U.S. Code 1681 section 602 states, I have a right to privacy. Under 15 U.S. Code 1681 section 604A Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 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 2023-02-23
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: EQUIFAX, INC. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2020-01-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Possible Financial Inc (TX)

There was a past due balance of {$94.00} that was paid by my bank caused me to over draft on my XXXX  XXXX XXXX account, I contacted them by email since they dont have a customer service line u can talk to someone. They sent me money bank of {$35.00} for the over draft so my bank still paid that {$94.00}. They are saying its not paid but I had sent them my bank statement of the {$92.00}. And some cents that was paid. They still wont help me solve the issue. Its ridiculous that you cant speak to a live person. I need this cleared from my credit ASAP.
Consumer complaint received 2022-01-31
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. (DE)

I have submitted a dispute for a collection account with XXXX, XXXX original creditor sprint that has been deleted from my credit report due to fraud when it showed on my credit report from another collection agency back in XXXX of XXXX. This item has reappeared on my credit report as if the debt has been sold.Which in fact should have been blocked after being verified that this has been a fraudulent account. I have reached out to the collection agency for debt validation received no response submitted a dispute for the following account & I just got a computerized response as validated from Experian as accurate when in no way this account was validated just XXXX  days after me submitting a dispute. My dispute date was XX/XX/XXXX dispute results XX/XX/XXXX. No way this has been verified in XXXX day. I ask this account be removed from my account and blocked as I will be filing suit with my local courthouse.
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XXXX, XXXX, XX/XX/2022, and In accordance with the fair credit reporting act, this creditor XXXX XXXX has violated my rights. Under 15 U.S. Code 1681 section 602 states, I have a right to privacy. Under 15 U.S. Code 1681 section 604A Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 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 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IL)

Just within the past 2 months I have asked all three credit bureaus for my credit reports I have yet to receive them as I've had identity theft from Financial breaches to credit bureau breaches to healthcare breaches to communication breaches there's false information on these reports I'm suffering from identity theft which I've reported I'm not getting help from anywhere and I'm in a hole with credit card debt that I should not have if it weren't for identity theft and breaches as well as my information being found on a dark web as well as Accurate background check producing inaccurate information