davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-08
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. (SC)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2022-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I am writing to complain to EXPERIAN about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my name is XXXX XXXX XXXX. My birthdate is XX/XX/1971. The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights.
Consumer complaint received 2024-03-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX is listed on my credit report as owing XXXX. I have XXXX XXXX XXXX and before that XXXX. This account does not belong to me. Also, this same collection was on my report several years ago and was removed. It has been reinserted under another collection company.
Consumer complaint received 2022-11-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: KEYCORP (NY)

my personal bank account was blocked when someone filed a fraud claim against my account due to " merchandise not delivered ''. 
The transaction originated XXXX XXXX ( amount {$580.00} ). opened a claim first week Of XX/XX/XXXX. {$510.00} was debited from my account -- This client continued to transact with my company and did not disclosed any issues. 

I have submitted proof of delivery, tracking numbers stating the items were delivered XX/XX/XXXX,, a sworn statement and a copy of demand letter sent to this person to revise the chargeback/settle payment. 

I have been a loyal keybank customer since XXXX. I am not the scammer here, yet this has caused me so much inconvenience, including multiple trips to the bank, multiple calls to the bank, emails and also, my paycheck goes through this account, I was not able to access it, I had to go to the bank for them to unblock my account for few minutes while I transfer my money to a different account so I can access it. I don't know what evidence the other person provided to them, this person is also denying she filed a claim with her bank, she even said '' the bank got it wrong ''. I told the bank about this. I called the bank yesterday and was told this is still under review. 

i am hoping this get resolves soon. I hope this person doesn't get away with $ XXXX and $ XXXX worth of merchandise for free.
Consumer complaint received 2017-05-02
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. (GA)

My Experian credit report as been showing a collection from  XXXX   XXXX , Account number starting in  XXXX  witha balance of {$1000.00}. This collection was initially removed from my credit after I disputed it and few months later in reappeared under the same  Company n ame,  XXXX   XXXX .
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hello, on XXXX XXXX I submitted a complaint about the credit reporting agencies concerning XXXX bankruptcies on my report. 
These are the complaints that I sent, XXXX XXXX XXXX XXXX XXXX I never complained about the accuracy of those bankruptcies. My complaint was that they should be removed. The law clearly states that I have the right to privacy per 15 U.S.C 1681. Also the courts do not provide bankruptcy information to the credit reporting agencies. I submitted my documents including the letter from the court stating that they do not provide said information. Those items should be removed given that's the law.
Consumer complaint received 2022-11-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

Late last year I was contacted via XXXX using the name XXXX XXXX. She/he persuaded me to go to XXXX and continue chatting using the phone number : XXXX XXXX XXXX. After a short time, she/he convinced me to open a coinbase wallet and join a mining pool run by XXXXt. Over the next 9 months I 'invested " over XXXX XXXX USD buying Ethereum but when I tried to sell the Ethereum XXXX XXXX disappeared along with all my money. All monies were sent to this XXXX. I have contacted Coinbase who absolutely refuse to take any action repeating over and over again that the only way for anyone to access my Coinbase Wallet is if my 12-word recovery phrase has been compromised and that did not happen. Furthermore Coinbase was made aware of fraudulent dapps operating on their platform as early as XX/XX/2021 as shown in : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX COINBASE WALLET, COINBASE, INC., AND COINBASE GLOBAL , INC.
Consumer complaint received 2023-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (IL)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Consumer complaint received 2023-12-19
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: EQUIFAX, INC. (PA)

On XX/XX/2023 and XX/XX/2023 I send out dispute letter to XXXX, Equifax and XXXX to validate this information XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX they failed to provide me with copy of any viable evidence and bearing signature which is a violation of the FCRA. I have the USPS tracking to prove that they received previous dispute letters but did not respond I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.
Consumer complaint received 2023-08-06
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Outsource Group, Inc (TN)

I was paying monthly to the provider and was sent to collections. I talked to the collections company and gave them my financial information. Now its saying they tried to charge me and charges suspended due to faulty date. I have them permission to charge me in XXXX and they tried in XXXX. I dont feel like I should be in collections period because i was paying what I could monthly to the provider. XXXX $ a month for a bill that was only XXXX dollars.
Consumer complaint received 2021-05-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

I applied for and was granted a loan modification from Shellpoint Mortgage Servicing. Prior to the modification my loan payments were {$5000.00} ( PITI ). The trial modification lowered the payments to {$4600.00} ( also PITI ). After making all the payments during the trial period my monthly payment was then raised up to {$5300.00} ( PITI ) ... more than {$700.00} over the trial payments and even more than the original payments I was making before applying for the modification. I could not afford the original monthly payment of just over {$5000.00} so was very happy with the {$4600.00} payment. I have tried over and over to get the post trial period payments lowered but have been unsuccessful. I do not understand and certainly can not pay this post trial payment of almost {$5400.00}. I recently received a notice that I am in risk of default. I am completely frustrated by Shellpoint 's indifference to the situation they have put me in.
Consumer complaint received 2018-04-14
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)

I've recently checked my credit report for the first time ( in a while ), I have noticed an Inquiries section towards the bottom of the report. This is having an impact on my credit. 
These companies and or individuals made hard inquiries on my credit report that were not authorized by me. They have affect my credit score negatively. 
I checked my personal credit report, which I acquired from Transunion, XXXX and XXXX and I noticed an unauthorized inquiry had been made. 
I contacted XXXX XXXX, 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, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into all listed companies inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter.
Consumer complaint received 2022-11-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Millco Management (GA)

I am victim of identity theft. Multiple accounts all around the country have reported fraudulent accounts using my name. 

On XX/XX/XXXX, Amerifinacial solutions have reported fraud accounts using my name to the Credit Bureaus. The amount is showing {$880.00} from XXXX XXXX of XXXX. 

I contacted the company immediately after being notified by my credit monitoring service and the young man who I spoke at Amerifinacial failed to comply. My rights have been violated.
Consumer complaint received 2024-03-08
Product: Credit reporting 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)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2023-04-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (MN)

On XX/XX/2023 I received a Welcome email from Chime, an online banking service, congratulating me on opening a new Checking account with their institution. Within minutes I received another email from Chime advising a credit card would be sent to me once I make a {$200.00} deposit into the checking account. 

I immediately called Chime to report the opening of both the checking account and credit card application as fraud. I advised Chime that my identity had been stolen and there is a freeze and fraud alert on my SNN through all major credit reporting agencies. Chime stated they would immediately close the accounts, which they did. However when I asked how the fraudster was able to open accounts with their bank without proper Consumer Identification Due Diligence policies being followed according to BSA/AML laws , XXXX ( the representative I spoke to at Chime ) was not able to provide me an answer. When I sent in my FTC identity theft report to Chime, requesting a copy of the application submit as well as an explanation on how this fraudster was able to open an account without being properly identified, the member services rep only provided the application. Again they did not answer my question. Upon reviewing the information submitted on the application I noticed while the fraudster used my correct address on the application, they used my maiden name ( which I havent used in almost 11 years ) and they used a telephone number that is NOT in geographical area of my address nor is it listed on any of my credit report. All phone numbers on my credit report are local. Ive worked in the financial industry for over 20 years. Therefore I know this shouldve been a red flag for Chime! Additionally, this fraudster has tried to open accounts at other banks such as XXXX, XXXX, XXXX XXXX, etc and in each instance the application was flagged due to inconsistent information provided, the account was not opened, and I received letters from each bank indicating my credit was frozen and I needed to call to be identified before the accounts could be opened. Chime has set the standard that anyone can go their website and open fraudulent accounts with being probably identified. I believe This company should be looked at future to ensure they are doing enough to prevent consumer fraud and money laundering according to XXXX and BSA regulations.
Consumer complaint received 2023-06-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: KEYCORP (FL)

I opened a Checking account with XXXX XXXX on XX/XX/XXXX and a Savings account on XX/XX/XXXX. I deposited two checks, one for {$380.00} and another for somewhere between XXXX XXXXXXXX {$2000.00}. I also had a direct deposit deposited for around {$2500.00} from my job. I soon after opening got locked out of my account. I spoke with a rep at XXXX XXXX and she told me that because they are online only and do not have branches they automatically assume everyone might be fraud so they lock everyone out. I have not had access for 2 weeks now and they are holding all my money, XXXX XXXX XXXX. Each time I call they just say I need to wait and I will usually get a resolution in 10 days. It has been over 10 days and they still won't answer. They transferred me to Key Bank who I guess they use and a rep at Key Bank told me they were suprised they are locking everyone out. I saw an ad on XXXX and all the comments ( XXXX ) were people saying they were locked out for no reason, many for months. And some had accounts closed and funds not returned. I can not wait months and I need my money. They can't just steal it, it's insane.
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (OH)

Navy Federal place a debt on my credit report.I 'm unaware of this debt.I did not have opportunity to dispute this debt.I did not receive proper notification.If in fact you believe I received proper notification, please provide certified mail with my signature stating that I received it.
Consumer complaint received 2023-06-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (KS)

Bitcoin has been in crypto account since XXXX. Attempted to withdraw on XXXX  and got an error saying account was restricted. Gemini requested a verification photo which was provided and I have not received a response in 3 days. Reached out via XXXX and also did not receive a response.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2022-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This complaint had already been sent. But seeing that Bank of America continues to evade that they are responsible for this situation. I continue to request that my complaint be investigated. This complaint had the number : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-21
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. (FL)

I read over my credit report and found that some of the data were incorrect. These items must be verified by the Experian and XXXX Credit Bureaus in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not permitted to disregard these reporting items as unverified information without offering any justification within the legally permitted time frame. My credit report lists the following items that require investigation and correction for inaccurate reporting in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-02
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. (NJ)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX 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 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

I have reviewed my credit report and found inaccurate information. I request that you help me dispute these inaccurate information I have included in the letter I attach to this complaint. The letter contains my intention to investigate each items and how I would like them to conduct investigation and provide me proof how they look into these accounts in error listed on my credit report. I have also attached my credit report for your reference to investigate.
Consumer complaint received 2022-11-08
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. (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. 

Account name : 1 ) Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX ( XXXX ) XXXX 2 ) Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX ) XXXX 3 ) Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX ) Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX XXXX XXXX XXXX ) Account number : XXXX Date opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX XXXX XXXX XXXX ) Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX XXXX XXXX XXXX ) Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX XXXX XXXX XXXX ) Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX XXXX XXXX XXXX ) Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX ( XXXX ) XXXX XXXX ) XXXX date : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, KY XXXX ( XXXX ) XXXX XXXX ) Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX these accounts has violated my rights. 

XXXX5 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.