davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Unifin Inc. (TX)

On XX/XX/2019 I received a phone call from XXXX, thinking it was family, I called the number back to find out it was a debt collector trying to get paid for a 14 year  old debt obtained through identity theft. I got very upset most of all, because they gave out the last 4 digits of my social security number before they knew who I was and I went off the deep end. I questioned them of how they got my social security number and why they had given it out and I did not let him get a word in edge wise because I was mad, and yes I said some bad work. I also told them that I better not find it on my credit report as a new account owed, I have one on there that did this and it is still on my credit report, and then I hung up on them. I did call them back to get the company name, because I don't remember them giving it to me. A women answered the phone this time and said her name was XXXX and I asked her to spell it and she asked if I had just called and I said yes and I want the address to the company, she kept asking questions while I was asking for the address and she would not give it to me and told me to answer her questions and I kept asking for the address and she said that it was being recorded and I told her good and told her the same thing I told the first person. She hung up on me. They should not be giving out any part of someones social security number at all. I am going through a problem with identity theft right now, and them giving this information out is not good, a lot of companies ask for the last digits of your ss #, but they don't give it to you.
Consumer complaint received 2023-05-18
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: 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. 

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 2023-02-01
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: ALLIANT CREDIT UNION (IL)

My name is XXXX XXXX. On XX/XX/XXXX, someone claiming to be me, opened an account with Alliant Credit Union through XXXX online using my ssn, birthdate, and address which were available on the dark web after the XXXX XXXX breach. The person used my maiden name, XXXX XXXX, which I haven't used since XXXX and took out a loan for {$16000.00}. I called Alliant and XXXX after receiving the welcome packet for the loan saying this was not me, and they said not to worry about it as they put it in their fraud department. Later I got a letter with a late fee. I called again and they seemed to act like they understood. Then I was sent a letter from a collections agency. I called and said that this was fraud. They sent the case back to Alliant. Now Alliant is asking me to prove that it isn't my account. They asked for my identification, a dispute letter from identyTheft.gov and a note from XXXX XXXX proving fraudulent activity. I gave them all the information, except the note from XXXX XXXX because that is not my account. They said we looked it up and your name is on the account. XXXX XXXX has tons of accounts with the name XXXX XXXX. I called XXXX XXXX  and they did not have any accounts open with my ssn, phone number, or address. Because my information did not match up and Alliant had only given me the last 4 digits of the account number, they could not help me. Alliant won't listen and says I have less than 30 days to prove that is not my XXXX XXXX account or they will assume that the loan for {$16000.00} is legit. Alliant allowed a person to take out a large loan without asking for anything but a name, birthdate, address, and ssn. They did not ask for identification. I asked them and they confirmed that they don't with online loan requests.
Consumer complaint received 2023-06-23
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: EQUIFAX, INC. (MA)

My name is XXXX 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 2017-07-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NC)

I contacted Coinbase on XX/XX/XXXX  to move my funds from one vault to the new vault I created. The reason I created the   XXXX   vault is because I lost access to the  XXXX  email address on the first vault.
I am unable to access my funds in the default "   XXXX   Vault '' due to this problem. Their instructions are clear in stating that if you have lost access to your  XXXX  email address, simply create a new vault and ask support to transfer the funds.
I received a reply from Coinbase on  XX/XX/XXXX  stating they would respond within 72 hours. It has now been almost 3 weeks and I am still waiting for help.
My account is in good standing and I have verified my identity.
Consumer complaint received 2023-03-07
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. (LA)

When I investigated my credit report, I see that the same account was erroneous. The 3 credit Bureaus are required to authenticate this account. ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable account below : XXXX XXXX XXXX XXXX : {$12000.00}
Consumer complaint received 2023-06-23
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: EQUIFAX, INC. (MA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2019-12-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MA)

On XX/XX/XXXX I received a notice from Freedom Mortgage XXXX that my monthly payment would increase by XXXX. When i received this, I made a call to them to let them know thi was a mistake. I have 4 parcels i pay taxes on, I sent them all 4 tax bills, which showed my payment should increase by XXXX. I spent 58 minutes on the phone with them and they told me this would be resolve in about 2-3 weeks, i spoke to XXXX ID # XXXX in the tax department. We discovered that there was a transposed # on parcel ID # XXXX ( accurate # ) They had XXXX whis is someone elses tax bill and XXXX more a month than the correct one On XXXX i spoke with customer care XXXX who informed me the issue would be resolved by XX/XX/XXXX this call was only 14 minutes long On XXXX I called again as i could see on my online account, this was still inaccurate, i refuse to pay XXXX out of my Christmas funds for a bill that is incorrect. I spent 52 minutes on the phone with XXXX who said she is a supervisor in the escalation dept. She informed me the research for this was done with the town and they have accurate tax information. Unfortunately, this is not true. She reviewed the tax bills in their system I had sent previously and said she would open a new research on this, that it would take 2 days and a manager would call me back. SHe said XXXX was the person she was giving my name to for a return call to me to let me know this was resolved. I never received a call. 

On XXXX, i still had not reeceived a call back, so i called again, i spoke with XXXX, who put me on hold for 14 minutes when i asked to speak to a suprivisor. I then spoke with XXXX ID # XXXX, after 15 minutes or so, she informed me this was their error and would be resolved by XX/XX/XXXX. I am hoping this is resolved by then. This has been the most stressful event i have had to deal with in a long time, i can not believe the stress they can put on an individual by making a mistake and not fixing it when they have the information in front of them. Its unnerving what they can get away with and no one governs them.
Consumer complaint received 2023-06-23
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Do not recognize or authorize these inquiries
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MoneyLion Inc. (DC)

XX/XX/2022 it was suppose to be removed XXXX XXXX it is still showing on my credit report I did this multiple times before this date through XXXX XXXX I called multiple times for this account to be removed nothing has been done There are 2 accounts that just wont I dont owe anything on them but its still on my account and wrong address
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-07-04
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. (AK)

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. 

XXXXXXXX XXXX XXXXXXXX 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.
Consumer complaint received 2024-03-23
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. (MI)

TransUnion is currently reporting an account under XXXX XXXX that has been successfully removed from both my XXXX and XXXX reports due to inaccuracies. Despite this, and despite providing evidence of these inaccuracies, TransUnion persists in retaining these erroneous accounts on my report. This action blatantly contravenes the Fair Credit Reporting Act ( FCRA ), particularly violating FCRA Section 611. I am seeking prompt resolution in accordance with this code, which necessitates the immediate termination of inaccuracies.
Consumer complaint received 2023-05-18
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. (OH)

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 Original Creditor Name LOAN BY PHONE DBA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.
Consumer complaint received 2023-02-18
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. (NC)

This is my 2nd 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 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-18
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX  account # XXXX, XXXX account # 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 168b A Creditor May not treat a payment on a credit card account under open end consumer credit plan as late for any reason
Consumer complaint received 2024-03-23
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. (NC)

I have an account with XXXX XXXX XXXX with the account number # XXXX. This account is fraudulent and is currently showing up on my credit report. I have already attempted to contact the company, but have received no response. Please investigate this matter.
Consumer complaint received 2023-06-23
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. (NY)

I have fraudulent accounts on my credit report, which I reported to XXXX XXXX XXXXXXXX XXXX and U.S. Department of Education yet they are not removing this fraudulent account. XXXX XXXX, XXXXXXXX XXXX and U.S. Department of Education have no right to refuse to remove this fraudulent accounts because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX XXXX XXXX and U.S. Department of Education have refused to do this. The followings are the fraudulent accounts : XXXX XXXXXXXX / XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, U.S. Department of EducationXXXX XXXX XXXX Date opened XX/XX/2020 Balance {$780.00} and U.S. Department of EducationXXXX XXXX Date opened XX/XX/2020 Balance {$460.00} that were opened at an address where I have never lived at and it has nothing to do with me.
Consumer complaint received 2023-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

It is truly unjustifiable that I have consistently made on-time payments for this account and have never been late. I kindly request that you update my account to reflect this accurately.
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: Experian Information Solutions Inc. (TX)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$23000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX  XXXX Balance : {$5400.00} XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4100.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3100.00} XXXXXXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXXXXXX Balance : {$5400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00}
Consumer complaint received 2023-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (FL)

This company reported a bunch of rent owed after I vacated the unit due to losing my job during XXXX in XXXX of XXXX and needing to relocate. They were notified of my vacancy and I made several attempts to provide a sublet individual to take my place in which they would not qualify those individuals based on credit. ( Its a college town ) XXXXXXXX XXXX. I moved to XXXX the same month of XX/XX/XXXX and began working a new job and renting from another apartment complex in XXXX. Not until XXXX XXXX this apartment complex in XXXX XXXX XXXX reported this debt to my credit out of nowhere.
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I went online to purchase a tool from a website, when paying it linked to XXXX for payment. After a few days i never recieved a recipt or tracking, after a week i tried calling the number listed on the website but it was a fake number. I contacted paypal and they told me because it went through friends and family they cant do anything and contact my bank, i asked for a copy of the recorded call but they refused. I called capitalone, by credit card issuer, and they started a dispute, after 30 days i recieved a letter saying they cant do anything, called again to reopen claim and antoher 30 days recieved the same letter again.
Consumer complaint received 2024-03-23
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. (GA)

I disputed items on my credit report that Transunion is reporting that are in error and thy did not remove. This is affecting me from being able to purchase a home for my family.