davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX
Consumer complaint received 2023-06-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Credit Services Inc. (MD)

Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is still reporting on my Credit Report : 1ST CRD SRVC ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX  ) XXXX Balance {$170.00}
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I have had a card with Capital One for a while and they are misreporting delinquincy on my Capital One Card and Walmart Card. I have tried to dispute it and they will not take it off.
Consumer complaint received 2021-05-14
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. (FL)

My credit report shows that XXXX XXXX XXXX is reporting that I missed auto loan payments from XXXX - XX/XX/2020. This is false. I have receipts and statements to prove I never missed these payments. Through XXXX secured messaging, a representative stated an ACH payment was only rejected on XX/XX/2020. However, I was unaware, nor did I authorize this. This false report has completely destroyed my credit score and it needs to be removed. I have already contacted XXXX and made disputes through XXXX, Equifax, and XXXX but I have not gotten any results from the disputes. Please assist so I can eventually obtain a credit score that allows me to properly finance a vehicle. Thank you.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-05-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AR)

I have an account I opened with XXXX XXXX on and around XX/XX/XXXX. Around XX/XX/XXXX while submitting an application for financing for business I was notified by the bank representative that unbeknown to be me on XXXX and XX/XX/XXXX I was late on the student loan payment. 

I Immediately Contacted XXXX XXXXXXXX by phone first to see what this was all about and also to determine why I was not notified by phone or mail regarding this matter. I did not receive any correspondence from XXXX XXXX until XX/XX/XXXX I received a letter stating that they investigated my dispute and everything was accurate with NO explanation or supporting evidence as required by law. 

Then on XX/XX/XXXX more than 30 days from my initial request to investigate this inaccurate reporting. ( I am attaching the response from XXXX XXXX to this complaint. ) I received an email from XXXX XXXX Executive Office stating that they are in receipt of the dispute and they will be getting back to me. Some of the concerns that XXXX XXXX did not resolve with my dispute request are : 1. I was not notified of the negative item reporting as required by FCRA 623 ( a ) ( 7 ) 2. FCRA 623 ( a ) ( 8 ) gives me the right to dispute information directly with the furnisher and the furnisher XXXX XXXX is required to provide proof to justify this reporting all I received was a canned response. 

NOTE : FCRA ( FACTA ), consumers now have the right to go directly to the original creditor and ask for proof of negative information. In addition, court case opinion No. 00-15946 CV-99-00290-D.C. by the US Court of Appeals 9th Circuit, Nelson Vs. Chase Manhattan, the court ruled that the creditor has the responsibility to investigate and make sure that correct information is being reported to the bureaus, and that the consumer has a right to sue under the FCRA, should his or her rights be violated. 

3. Under the Care Act student loans were all placed on deferment. I am not sure if this is a public or private loan but I believe the spirit behind all Americans at the time was to help one another get passed this unfortunate time so XXXX XXXXXXXX to not even inform me about this late and continue to report to frivolous unverified derogatory account is a clear violation of my rights. 

I also contacted XXXX XXXX by phone numerous time I was told my account was transferred to XXXX XXXX XXXX Ext XXXX who has promised me on 3-4 different occasions that she will get back to me and still has not. 

This inaccurate and misleading derogatory has affected my ability to obtain funding and continue to support my business.
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a XXXX XXXX card in good standing with a {$3000.00} credit line and currently at {$0.00} balance. XXXX has manually reported my card to Transunion but they have repeatedly failed to document the card on my credit report. XXXX advised to contact Transunion and after doing so today, Transunion referred me back to XXXX who can not assist further. 
There may have been a dispute with XXXX last year which was resolved. That is not a reason to remove the card which is active and good standing from my credit report.
Consumer complaint received 2021-05-13
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. (VA)

On XX/XX/2021 I sent a letter in regards to inaccurate and unverified accounts reporting on my consumer report. To date almost 45 later I have not been notified either by mail or phone. I feel like I am being taken advantage of and my disputes ignored. Section 611 ( a ) clearly states a failure to investigate any dispute in the appropriate time ( 30 days ) gives me the CONSUMER the right to request that these negative items be removed from my CONSUMER report. Well its been well over 30 days ( its been 45 ) so with that being said Im asking that these items be deleted PROMPTLY. I demand that these accounts be removed immediately or I will be filing for litigation on this matter. In closing, my information was impacted by the Equifax data breach which may have caused my information to fall into the hands of the wrong people/person ( s ).
Consumer complaint received 2021-05-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

Hi sir Afternoon I am XXXX XXXX XXXX. 

I have downloaded the Coinbase app from XXXX XXXX and have invested {$100.00} ( XXXX  ) into the cryptocurrency. 

Been dropping to their support email for couple of times and no response from them. I just want to get my money back. 

I have email to Coinbase Email for past weeks and till no reply. 

We really appreciate if you can look into this email urgently. As not only me affects, got quite a huge number of people.
Consumer complaint received 2017-11-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (GA)

I am unable to Withdraw or Purchase bitcoin via my Coinable account, they currently have {$180.00} of my money and have failed to respond to any emails, phone calls or support requests I have sent after over a weeks time and submitted multiple copies of identification.
Consumer complaint received 2021-05-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BAM Management US Holdings Inc. (WI)

From XX/XX/XXXX - XXXX, I unsuccessfully attempted ten cryptocurrency withdrawals from Binance.us. Each time, it stated I needed to verify the withdrawal in an email from them, which I never received. My email was working normally, I XXXX each email address that Binance.us specifies on their site, and I checked my junk and deleted folders. I never received any emails from them to verify the withdrawal. During this same time period, I submitted multiple support tickets. I finally received a response on XX/XX/XXXX, one week after submitting my first help ticket, asking if I still needed help. I responded the same day stating that of course I still need help, nothing magically changed and they still had not provided any support. As of XX/XX/XXXX, I have not received any response from Binance.us, and I still can not withdrawal my cryptocurrency funds.
Consumer complaint received 2021-05-13
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. (FL)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-05-12
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: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX I disputed with Eperian the following accounts reported by- XXXX XXXX XXXX XXXX , XXXX XXXX XXXX  , and XXXX XXXX XXXX in the file you maintain under my Social Security number. And on XX/XX/XXXX I was informed that these items were deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to the subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing no later than 5 business after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to purse legal action for your blatant disregard to the law. I have attached the letter that I resent to the credit bureaus.
Consumer complaint received 2024-03-21
Product: Credit reporting 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. (FL)

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I AM A VICTIM OF IDENTITY THEFT.
Consumer complaint received 2021-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I took a copy of my credit report on XX/XX/XXXX from transunion. I have seen 2 inquiries on my account from XXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX, Mo XXXX, XXXX ) requested on XX/XX/XXXX and from XXXX XXXX XXXX  XXXX XXXXXXXX XXXX  XXXX XXXX, DeXXXX XXXX requested on XX/XX/XXXX I did requested nothing from both of them, also i didnt give my premisson to someone else, to use my information or to try to do something else under my name.
Consumer complaint received 2021-08-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2021 I attempted to send my daughter XXXX {$17.00}. After being advised by my daughter that she did not receive the money. My daughter advised that I used the wrong email address to send the money. The email address was listed in my participant 's list. I called Chase in an attempt to recoup the money and filed a claim on XX/XX/2021. After not hearing anything from Chase and the funds still not being recovered, I called chase on XX/XX/2021 only to be advised by their online department that there was nothing they could do. I was instructed to contact XXXX directly. I called XXXX, however, their recording did not allow an option for my issue. I tried to chose another option in hopes of speaking with a live person but to no avail. 

My account used to send the money ends in XXXX.
Consumer complaint received 2021-05-13
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: Experian Information Solutions Inc. (NY)

OnXX/XX/XXXX, I sent Experian a followup letter regarding a previous letter fromXX/XX/XXXX andXX/XX/XXXX, regarding an alleged debt collection on my credit report by the company " XXXX XXXX XXXX ' which I have also reached out to with no response on these same exact dates. The company has not responded to my verification letters sent on the the aforementioned dates above. It has now been close to 90 days since the original dispute on XX/XX/XXXX that has not been addressed neither by the credit bureau Experian note the credit, XXXX XXXX XXXX. They are both in voliation of my rights under the " Fair Credit Act '', for not producing verification documents of this alleged debt on my credit report that is affecting my credit scores and ability to obtain credit. I demand that they immediately remove this debt upon receipt of this notice. Further more, I have also submitted a complaint here with both Experian and the creditor, XXXX XXXX XXXX, for their failure to provide proof of debt with original documentation for the alleged collection account on my credit report. Please see to it, that this time is removed immediately off my credit reports, Experian and XXXX.
Consumer complaint received 2017-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (CA)

I have tirelessly tried to resolve this matter with this collection company but to no avail. I found this company had reported an account to my credit report which I believed was an invalid debt not belonging to me. I sent them by certified return receipt mail a debt validation letter dated XXXX XXXX, XXXX, which they conveniently ignored. Concurrently when I disputed the item with the credit repositories, I was told that the debt collection company responded back to them affirming that this account was valid. I am appalled that this company continues to violate my rights and refuses to delete the account despite not being able to provide the original debt instrument.
Consumer complaint received 2017-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

On   XXXX   I went through the various screens and specified, first  XXXX , then Equifax, but in each case at the last screen where it said it was getting the report it said that I could n't get it online and would need to mail to an address they provided. This is misleading when it was advertised as providing an online report!
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-01-04
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: Experian Information Solutions Inc. (NC)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX - XXXXXXXX XXXX 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 a account without my written instructions15 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 2021-05-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

XX/XX/2021 : XXXX PST Reference Code : XXXX 1 ) I converted {$420.00} from my ETH wallet to XXXX of XXXX XXXX $ XXXXstock ( {$77.00} above price - guaranteed profit ) What came next was nothing less than shocking. As Im looking at my receipt, the numbers changed. 

2 ) {$420.00} converted into XXXX of XXXX ( {$12.00} above stock XXXX I then get my emailed receipt of the transaction, which has even different information. 

3 ) {$380.00} converted into XXXX worth of XXXX. ( With no mention of price of stock ) 4 ) I go back to Coinbase app, and the receipt of the transaction changed yet again. 
{$240.00} converted into XXXX of XXXX stock @ $ XXXX/stock. ( {$1.00} above price? ) With every new receipt that popped up, my profit ratio shrank. All have the same date, time, and reference #. 
It can not be legal for Coinbase to tamper, alter, and ultimately steal money like this can they? 
Also XXXX you can do your own research on XXXX and see the thousands of XXXX pages dedicated to 2 times CB conveniently at the same time as Coinbase market dipped further than ever, They would NOT allow me/thousands of others to make any purchases, only sales. ( And then wouldnt allow us to sell when the market spikes but allows purchases ) The excuse that pops up is insufficient funds. This is false. The random issue only lasts until the market is back where I made my original investment, usually at a loss. I did this to somebody Id be in jail. How can they keep getting away with transparently controlling the market, stealing our money, and ALTERING TRANSACTION RECEIPTS!?