davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-18
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. (CA)

This is my ANOTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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 an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

On XX/XX/XXXX I got a card guard notification for four charges made to my XXXX, one of which was from XXXX XXXX  in California. When I clicked on the notification, I noticed the charges were fraudulent. I immediately called the bank to report the charges, open a dispute, and turn my XXXX  off to prevent future spending. 

On XX/XX/XXXX, I got a letter from my bank saying that the XXXX XXXX  dispute was not approved and that I would be charged {$190.00}. I immediately called the bank to appeal their decision. They were unwilling to change their decision because XXXX XXXX  sent them proof I was the one who made the ticket purchase. The proof included a printout showing the tickets were redeemed on XX/XX/XXXX. I politely disagreed with the bank 's decision because I did not make the purchase nor use the tickets. I was told I could email any information I had to their XXXX  dispute department. 

On XX/XX/XXXX I went onto XXXX XXXX  ' website and found information saying that ONLY the purchaser of the tickets could redeem them and that the tickets were not transferrable/shareable. I immediately emailed my bank with proof that I was not in California on XX/XX/XXXX. If I were truly the one who purchase the tickets, how could they have been used if I wasn't in California that day?! 

I called the bank on XX/XX/XXXX to make sure they got my email. I was told they did and that they were not changing their decision as the information I sent them wasn't anything new. It was new as they didn't have proof I was not in California the day the tickets were used. I mentioned this to them and all they kept saying was that the information wasn't new and they couldn't help me. I was told my only option was to contact XXXX XXXX  and argue with them. 

I have been a loyal customer of my bank for XXXX  years and am extremely disappointed with the lack of help I have received. I made a good case for myself, combined with the fact there were three other fraudulent charges made on the same day, that were refunded to me. I am seriously considering moving my accounts to another bank.
Consumer complaint received 2024-04-24
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Allied International Credit Corp., (US) (AK)

Debt has been paid. No need to continue contacting me. I am getting calls at all hours of the day. Today, it was XXXX AM. Yes, I have an XXXX  coast number, but they have an XXXX  address on file for me ( though the incorrect one ), so they are aware I live in a different time zone. No voicemails are left. No response to my email to them last week. Emailed again today explicitly stating to cease all forms of contact to me.
Consumer complaint received 2022-10-18
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. (CA)

This is my ANOTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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 an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the fair credit reporting act. This creditor has violated my rights under 15 USC 1681 sections 602, which states i have a right to privacy.15 USC 1681 section 604a section 2 it alsostates that consumer reporting agencies can not furnish a without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open and consumer plan as late for any reason. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-18
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. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these accounts, I will take legal action against them. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-18
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)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX, but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX 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 2022-10-18
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. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these accounts, I will take legal action against them. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-24
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NY)

Purchased computer from Best Buy at 0 % interest for 12 months. Was charged over {$300.00} in interest while making payments since XX/XX/2023. Company refuses to reverse.
Consumer complaint received 2023-11-10
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: AUTOMOTIVE CREDIT CORPORATION (GA)

I hope this letter reaches you in good health. I am writing in response to your recent communication through CFPB, concerning an alleged credit application submitted to Automotive Credit Corporation on XX/XX/2022, through XXXX XXXX XXXX. 

I must express my deep concern and dissatisfaction with your statement that Automotive Credit Corporation had permissible purpose under the Fair Credit Reporting Act ( FCRA ) for the credit application submitted by XXXX XXXX XXXX. It is important to clarify that, to the best of my knowledge, I never authorized nor gave written consent for Automotive Credit Corporation to access my credit report. 

Your unauthorized inquiry into my credit history is affecting my creditworthiness and, consequently, my financial well-being. I want to reiterate that I have never had any communication with Automotive Credit Corporation, making it impossible for me to have given consent for the retrieval of my credit report.

As outlined in my previous communication, your company 's actions are in potential violation of my rights as a consumer under 15 U.S.C. 616, especially considering the willful noncompliance and potential damages I may incur due to these unauthorized inquiries.

Moreover, I emphasize the importance of accuracy and fairness in credit reporting, as highlighted in 15 U.S.C. 1681. The inaccuracies in my credit report resulting from the unauthorized inquiry must be promptly corrected to adhere to the law and protect my consumer rights.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 Code 1681b in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting.

agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-04-24
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

My Macys account has been hacked. A scammer stopped my paper billing and changed it to electronic billing to an email address that is not mine. An account number has been changed ( last digits XXXX ) and charged approximately XXXX. 
I have called the company and have gotten no satisfaction. I have written to Macys Amex and the credit companies. I have filed a police report and put a freeze on my credit reports. Ive filed with ID theft and spoke with the Attny Gen regarding this issue. My credit has been damaged due to this identity theft and has not been restored.
Consumer complaint received 2024-04-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

On XX/XX/XXXX I logged in to my coinbase account and selected to transfer {$2200.00} worth of XXXX   to my XXXX  account after putting in my XXXX  XXXX   address on the coinbase network a list then popped up of a list of different networks to use to transfer my XXXX  from coinbase to my XXXX  account with the top XXXX on this list flashing in different colors fastest and cheapest option to transfer my XXXX  I chose that one after waiting and waiting a few hours and not receiving my XXXX  in my XXXX  account I contacted XXXX on XX/XX/XXXX to find out what was going on they then advised me that they do not accept the XXXX XXXX to receive XXXX  in my account and thats why the XXXX  wasnt showing and that the XXXX XXXX was owned by Coinbase and to reach out to coinbase I contacted coinbase on XX/XX/XXXX letting them know what happened and this was very deceptive on there part knowing that a lot places did not accept the XXXX XXXX to transfer XXXX and there was no pop up option to let me know that by choosing this XXXX XXXX transfer option that where I was sending it to would also need to accept the XXXX XXXX the rep had nothing to say more than we sent it to the address provided and I told the coinbase rep thats not acceptable because it didnt get to my XXXX  address I filed a written complaint to coinbase on XX/XX/XXXX they responded to me on XX/XX/XXXX stating we explained that the funds have been successfully sent and if I am having trouble locating the funds I sent to contact the company I sent it to this is unacceptable because coinbase owns the XXXX XXXX  option I chose from the list and was the only XXXX on the list that was flashing in different colors XXXX the cheapest and fastest option to transfer my XXXX  they benefited and profited from the fees they charged me to transfer my XXXX  that I didnt received I called coinbase again on XX/XX/XXXX where rep  proceeded to tell me the same thing that they sent it I told her that there should be a disclosure or pop up letting consumers know that if they choose to use the XXXX XXXX that where they are sending there XXXX  to has to accept it also I would like coinbase to refund me my {$2200.00} of XXXX
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act, 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
Consumer complaint received 2022-10-18
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of XXXX XXXX XXXX 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 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I asked XXXX, XXXX, and Equifax to do a thorough search on my credit report and effectively remove the inaccurate reporting of XXXX XXXX XXXX off account. Upon my own investigation and that of XXXX we found the entry inaccurate. XXXX removed the entry completely, the others did not. A copy of XXXX 's results have been attached.
Consumer complaint received 2022-10-18
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. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$590.00} XXXX  XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$5600.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-12-13
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: NAVY FEDERAL CREDIT UNION (WA)

I filed a dispute with Navy Federal Credit Union in regards to a pre-order purchase made with a merchant on XX/XX/2021. After presenting all emails to the merchant showing they have not responded, NFCU has stated that there was no error in the purchase. This is incorrect. I believe that after a year of no notification from a company and then failing to deliver a product warrants a refund or a charge back should said company fail to reply.
Consumer complaint received 2022-10-17
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. (IL)

I need you to verify, through the physical verification of the original signed consumer contract, this account that you posted on my credit report.I demand to see verifiable proof an original consumer contract with my signature on it, that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : Please supply information on how you have verified this item. 

XXXX Account Number : XXXX XXXX, XXXX & XXXX Account Number : XXXX XXXX Account Number : XXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
2. The date you contacted the individual funishers of information.3. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB.Please forward an updated credit report to me after you have completed your investigation and corrections if the following item is not properly verified by the ORIGINAL CREDITOR ( WHICH BY LAW IS ME ) then i demand for it to be deleted from my Credit report
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MD)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.