davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-20
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. (CA)

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any accounts which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

reviewed my XXXXonsumer Reports and noticed that I had five late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and are responsible for reporting Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be Provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

My credit card company use Experian report and unnecessary review it and every year they decreased my credit limit because they blame credit bureau and another reason High balance. I try to get my proof of credit score dated XX/XX/2023 from Experian but there phone number doesnt have option to speak to person or I get score details on specifics day.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

This is my complaint to EXPERIAN for allowing the fraudulent accounts on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment and violation under FCRA policy and CFPB on the medical collection.
Consumer complaint received 2023-04-28
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. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX  Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-03-26
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alpine Credit, Inc (AZ)

On my credit report it shows multiple open accounts by Alpine Credit. I attempted to contact this agency at which time they informed me that these accounts were at closed status, however Communications between reporting agencies and this company are not happening and my credit is suffering, I need to know how to go about removing these erroneous statements for my credit report showing as an open collection when they are actually closed, please inform me on what to do before I have to find or pay for an attorney if I do n't have to. 
Thank you, XXXX
Consumer complaint received 2022-10-20
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. (VA)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX
Consumer complaint received 2022-10-29
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. (FL)

My name 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 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Inquiries : XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX TransUnion XXXX XXXX Credit Unions XX/XX/XXXX TransUnion XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Sales Financing XX/XX/XXXX TransUnion XXXX XXXX XXXXXXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX TransUnion XXXX5 U.S.C. section 602 A states that i have the right to privacy.

15 U.S.C. 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 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

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. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-05-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Revenue, Inc. (MI)

I was first contacted in XXXX regarding the debt. I told them that it did not sound correct amount wise. They would call me several times a week. The collector was very rude when I would try talking to him. I asked for the account number 3 times before he ever gave it to me. Even hung up on me once. I sent 2 different letters regarding settling on the account and received nothing back and no call. The last attempted call i got was on XXXX. However this collection agency keeps submitting to credit reporting companies regarding the account without any attempts to contact me. The debt was never verified. I never got any letter. No one has spoke to me in months or attempted to. This collection agency is not even in my state or region. Not even remotely close.
Consumer complaint received 2017-03-16
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery, acct #  XXXX  is reporting derogatory on my credit. I am now working with an attorney.  XXXX   XXXX  is the original owner of this debt but reporting falsely as  XXXX . This account was included in my chapter  XXXX  bankruptcy and need to be deleted fr.om my file immediately or I am forced to sue. My chapter  XXXX  bankruptcy has been discharged effective   XXXX .
Consumer complaint received 2023-05-31
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (TX)

XXXX XXXX XXXX this is on my credit report for XXXX this is not my account reporting on XX/XX/2023 Hunter Warfield inc this is not on my credit report for XXXX this is not my account reporting XX/XX/2023
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CLGF Holdco 1, LLC (PA)

I had a card from first genesis ( 12 genesis fs card services ). This card was stolen in 2021 I asked for a replacement card one two occasions and no new card was sent.Be cause this card had no balance and I never received a card I then acalled them and asked them to close the account.now they are putting that I owe XXXX dollars that I never spent or had awareness of.
Consumer complaint received 2023-06-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (VA)

This complaint is related to complaint ID XXXX, which alleged that TIAA / XXXX XXXX overcharged interest during the period XXXX XXXX to present. By letter dated XX/XX/XXXX, included in the prior complaint, TIAA / XXXX XXXX corrected the rate for the period XXXX XXXX XXXX, but misrepresented the overage which ranged from 2.250 % to as high as 6.875 % during the relevant period and even more troubling, miscalculated payments due on the HELOC segment and failed to apply principal payments on the primary mortgage balance. As a result, after paying {$6800.00} on XX/XX/XXXX, our total loan balance INCREASED from {>= $1,000,000} to {>= $1,000,000} between statements dated XX/XX/XXXX and XX/XX/XXXX. Both statements are attached to this complaint. You will note that the statements are inconsistent in several additional respects, in that the previous balance on the XX/XX/XXXX statement in the amount of {>= $1,000,000} does not match the current balance of {>= $1,000,000} on the XX/XX/XXXX statement. You will also note that the current balance summary on the XXXX XXXX statement does not match the calculated balance on the very same statement in the amount of {>= $1,000,000}. In addition, after purporting to remedy the situation and locking the interest rate at 2.250 % on the HELOC through XX/XX/XXXX, XXXX issued two more notices of rate increase, dated XX/XX/XXXX ( the very same date of its letter locking the rate ) and again on XX/XX/XXXX. As of today 's date, XX/XX/XXXX, we have not received a statement for XX/XX/XXXX. 

It is unclear whether these errors and irregularities in the basic calculation of mortgage loan balances are due to fraud or recklessness, or utter incompetence of TIAA XXXX XXXX XXXX staff. They do not appear to have the basic skills or training to properly manage client accounts.
Consumer complaint received 2023-04-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC (TX)

I am trying to access gemini cryptocurrency account ( name : gemini trust company , LLC ) after long time. I raised multiple requests via their customer service portal but there has been no response from gemini support. There dont have customer care number for me to contact them. I was able to restore my XXXX  account providing clarifications regarding all verification that was done to restore my account but it is not been case with gemini. I have funds locked in my gemini account that I am trying to access to alleviate some of my financial stress but I am not getting any support from gemini team. They just ask you to create a ticket and they dont provide any ticket no and they dont do anything after you create a ticket which is really annoying. I filed a case against gemini trust company , LLC with NYS Department of financial services but I was told to reach out to your team since purchases that I made on gemini portal were made in california outside new york state.
Consumer complaint received 2024-05-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (WA)

I was not able to log into my account as the Authenticator app did not work. Reached out to Robinhood couple of times ( had to stay on the phone and wait for more than 5-6 hours every day ) and they tried all methods to fix my login issue but couldnt fix it. So I asked them to transfer the account which has XXXX cash remaining to XXXX but the transfer never went through. How can I get my money back???
Consumer complaint received 2022-10-18
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. (SC)

Requesting description of the investigation In accordance with the fair credit reporting Act 15 USC 1681 ( a ) ( 1 ) ( A ). Can you reinvestigate the completeness and accuracy of the list accounts Below. 

XXXX XXXX XX/XX/XXXX This account is reporting inaccurate information, account type, payment history are reporting inaccurate indifference on each bureaus, XXXX XXXX XXXX is reporting inaccuracy of credit reporting each bureaus is reporting indifference information payment history, XXXX XXXX cred, XXXX, XXXX XXXX sc XXXX XXXX XXXX XXXX XXXX Account is XXXX. There is an acct reporting with no company name/any details at all but has a balance of {$870.00} open XXXX XXXX this is against the law to report. XXXX XXXX XXXX XXXXXXXX Fin XXXX XXXX/ XXXX Of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681 i ( 7 ) because the list accounts are not accurate. The open date, date last active, and date of last payments, the accounts are not 100 % accurate
Consumer complaint received 2022-10-19
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. (SC)

I am a live single human being typing this narrative! In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX 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 XXXXXXXX Have 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 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 the information is inaccurate.

These accounts are reported as verified however In 15 U.S. Code 1681a - Definitions ; rules of construction it states ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

According to the FCRA, the consumer credit bureaus are to conduct a proper investigation by interviewing my friends, family, and associates in regards to my credit information and verifying it as accurate, this was never conducted which is another violation. 

The accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Are illegally reporting as a C or CO for collection and charge off on my credit report. 
I have named at least 5 violations the credit bureaus have made on my account. I have attached the images in this complaint. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX this account is reported as closed but still on my credit report reporting as a C which is illegal, this needs to be removed.
Consumer complaint received 2023-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (IL)

On or around XXXX XXXX, 2023 it came to my attention that my Chime card was used without my authorization when I shouldve had a balance left and went to make a purchase and the purchase was denied due to XXXX. 

This happens semi-frequently due to the XXXX XXXX XXXX with several of my more used cards, especially those I use for online shopping, and I believe the vulnerability is due to the selling of my personal information by the breach and thus being sold on the dark web, and its often difficult to work with companies to explain what happened ( as I dont have a full understanding of it ), and be reimbursed my money that was wrongfully taken out of my account because of hackers and my sensitive information being made public. 

Im not out atleast {$450.00} due to two companies denying my fraudulent claims, with no explanation. Ive just been left in the dust missing money with my word against no ones and cant prove that it wasnt me that didnt authorize the transaction despite being at work, busy, etc. 

I want to help others that are struggling as a result of this or the XXXX breach, and possibly collaborate with someone/a group of people on how weve been able to recover?
Consumer complaint received 2022-11-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX