davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Coinbase, Inc. (NC)

Yes I have a coinbase compromised account and the XXXX XXXX XXXX made a claim that the account was reviewed and the account was delinquent and reported the irs having identity theft of the delinquent account in the time the account was closed and the delinquent account was compromised and distorted the funds delinquent. I contacted the case manager with the irs XXXX XXXX XXXX and she reported the account a imposter identity theft case ID was used to make the account compromised in duty and affidavit was filed with the case and the account had a hold from XXXX XXXXXXXX which was reported the case and under investigation dispute and filed the bank complaint compromised the account and left it to the customer service desk to guide warrant to the information and escalated claims to resolve with coinbase in the amount was token when the bank closed with XXXX XXXXXXXX with the delinquent account XXXX from garnishment and attachments from the beneficiary was restored from the case manager and the resolution team member asked me to give the documents from coinbase and update the claim that was took when the bnak was closed from XXXX XXXX banking and supply them with the restricted access of the benefits transfer with the payment update sent from my bank card and the bank sent it back with a hold from a compromised account with an agency reporting from XXXX that a telex transfer was sent to this bank in the XXXX XXXX  wallet and was compromised from a hacker data breach from coinbase tracker and XXXX XXXX works had a XXXX XXXX breach from this that has not been ID restored with the police report in bankruptcy and added to the report with XXXX credit bureau also inclined to deduct the payment from compromised bank account with coinbase log in banking processes with XXXX XXXXXXXX account XXXX from delinquent account reports it was stolen and XXXX XXXX office is ending the court documents to the case manager and also contact the supporting team member from consumers Financial protection bureau to access the banking needs that were compromised from I'd restoration officer in an attempt to collect a debt and resolve the matter with and affidavit from the account holder to verify bankruptcy and banking act needs from XXXX XXXXXXXX that were sent compromised bankruptcy reports with a petition and complaint order to protect the account with auto identity guard and evaluate the support teams with available information to support the compromised account security was documented and breached in order to obtain XXXX XXXX XXXX account transactions reported from XXXX refrastructure XXXX XXXX XXXX bankruptcy terms with case ID and email the document to coinbase tracker data breaches from support group to remove the security from making transaction that restricted our account access in sending the payment to XXXX XXXX.
Consumer complaint received 2023-06-10
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: EQUIFAX, INC. (CA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2022-09-05
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)

Been attempting to solve the issue with the Bureaus and have yet to get a positive response of the matter and Now I am prompted to File an FTC report on the matter. The following accounts are fraud and should be removed from my credit report : XXXX XXXXXXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX XXXX : XX/XX/XXXX : Inquiry : XXXX XXXX XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX : XX/XX/XXXX : Inquiry : FRAUD XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX XXXXXXXX : XXXX : Collection : Fraud XXXX XXXX : Inquiry : Fraud XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX XXXX  : Inquiry : Fraud XXXX XXXX XXXXXXXX : XX/XX/XXXX : Inquiry : Fraud XXXX XXXX XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX XXXX XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX XXXX XXXX : XX/XX/XXXX : Inquiry : Fraud XXXX  : XX/XX/XXXX : Inquiry : Fraud US SM BUS ADMIN ODA : XX/XX/XXXX : Inquiry : Fraud XXXX XXXX : XX/XX/XXXX : Inquiry : Fraud
Consumer complaint received 2023-06-10
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. (MA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$5000.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$15000.00}, XXXX XXXX XXXX XXXX Balance : {$24000.00}, XXXX XXXX XXXX Balance : {$2000.00}
Consumer complaint received 2023-08-08
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: DISCOVER BANK (MS)

Discover card has reported an account to the credit bureaus that does not belong to me. There was an account opened using an address that does not belong to me in a different state. Discover card reported this address to the credit bureau as my address and I have never lived in that State or at that address and they refuse to remove the disputed information from my credit file. The account has never been paid and the credit card was maxed out within 90 days of opening it. The address used to open the account is a hotel in a shady part of XXXX Georgia.
Consumer complaint received 2019-12-01
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: Paramount Recovery Systems, L.P. (TX)

On all 3 credit bureau reports, they show an account that was deleted at least a year ago and now this account is popping back up. the information is as follows : Paramount Recovery opened on XX/XX/2019 Original creditor is XXXX XXXX XXXX XXXX for {$480.00} dollars. 
Previously on all 3 credit bureaus, this incorrect account was removed and now is back on them again without my prior knowledge, until I looked at my reports recently
Consumer complaint received 2022-09-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Account Resolution Corporation (MO)

I WAS IN A CAR WRECK ; THE BILL WAS PAID IN FULL. i HAD A LAWYER THAT SENT THE MONEY AOUTOMATIC. AFTER CASE WAS SETTLED. HE HAS THE ACCOUNT INFORMACTION. I HAVE TRIED THROUGH THE CREDIT BURUEAS, ALL THREE OF THEM i LEFT PHONE NUMBER TO CONTACT THE LAWYER AND THE COLLECTION IS STILL ON MY ACCOUNT. THANK YOU.
Consumer complaint received 2023-08-14
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. (NY)

XXXX XXXX, EQUIFAX and XXXX is currently in violation of 15 U.S.C. 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

And 15 U.S.C. 6803 ( a ) ( 1 ) ( 2 ) ( 3 ) which states : ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.
Consumer complaint received 2023-08-08
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (CA)

Monday, XX/XX/2023, JP Morgan Chase Bank Leadership and JP Morgan Chase Legal Counsel, I am a former Chase banking member. I contacted the company again today as I received the below email today, XX/XX/2023, regarding an account I do not have with Chase Bank, that is now being linked to my social security number per Chase Bank. 

I do not currently have a Chase Bank account with this company. Furthermore, I am highly concerned my personal information may be jeopardized. I am unsure if I am a victim of fraud or if internal employees of Chase Bank using my information, and sending me emails. Simply put, I am confused as to why this continues to occur. Either way, please note I am not taking any action with Chase Bank, as I am no longer a member of JP Morgan Chase Bank.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (FL)

EXPERIAN sent me an email notification on XX/XX/XXXX stating that I need to provide an Identity Theft Report " Without the Deficiencies ''. However I did NOT find any deficiencies on the OFFICIAL Federal Trade Commission Identity Theft Report. All of the FRAUDULENT ACCOUNTS were reported correctly. THE OFFICIAL FTC REPORT THAT I FILED WITH THE FEDERAL TRADE COMISSION CLEARLY LISTS EACH FRADULENT CHARGES, AMOUNT, ACCOUNT NUMBER AND DATE OF TRANSACTION. However EXPERIAN HAS CONTINUED TO IGNORE THESE FRAUDLENT CHARGES SINCE I DSCOVERED THEM IN XXXX OF XXXX. I WANT TO SEEK LEGAL ACTION AGAINST EXPERAN FOR THESE FRADULENT ACTS. This includes the FRAUDULENT ACCOUNTS ; XXXX. XXXX XXXX XXXX XXXX account # XXXX Open Date : XX/XX/XXXX. Amount : {$32000.00} XXXX. 
XXXX. XXXX XXXX XXXX XXXX account # XXXX Open Date : XX/XX/XXXX. Amount : {$4000.00} They gave denied and refused to accept the official identity theft report from the FTC. They have continued to deny that they have assisted with the crime by allowing these fraudulent charges to appear on my consumer credit report. According to the Fairs Credit Act, IT CLEARLY STATES ; Pursuant 15 U.S. Code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, 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 by such agency of- ( 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
Consumer complaint received 2022-10-17
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. (GA)

when my identification, and personal papers ( medical ) were stolen from my car ( i accidentally left my bag visible ) while at a hotel, a couple months later i started seeing accounts show up like collections, ( i was contacted but when they couldn't verify my information, i heard nothing else form them but they still ended up on my credit report ), as well as accounts for motor bikes and loans i never applied for.
Consumer complaint received 2023-01-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SECURITY FINANCE CORP (OK)

I have talked with Security Finance numerous times about my past due payments and have explained to them that I am waiting on my bank history from XXXX so I can refinance my loan. They consistently keep calling me every single day even if I have explained the situation the day before. It is disrupting my work and schooling and it has begun to be absolutely too much and I have explained this to them numerous times. They call my family members and give out my personal loan information such as how much I owe and my total balance.
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: EQUIFAX, INC. (TX)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I discovered that some of the information and inquiries on my credit report were incorrect when I reviewed it. This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. Here is the list of unknown items that must be deleted : XXXX, XXXX, XXXX *XXXX XXXX XXXX Date Updated : XX/XX/XXXX *XXXX XXXXXXXXXXXX XXXX Date Updated : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX *XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-01-05
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: CCF Intermediate Holdings LLC (MS)

On XX/XX/2021 I received my credit report showing several payday loans from this company. ( Speedy Cash ) I was not aware of this loan and reached out the company to dispute these charges. I sent the debt validation letters to all 3 credit bureau and I never received any documents. I was requested to provide my ssn, birth certificate and drivers license to the bureau. Once I submitted that information to get my account verified the bureau then used my information to update all of my inaccurate personal information on my credit reports. Speedy cash then used that information and updated it on their end and then sued me. Even after I contacted them stating this loan has been obtained via identity theft. They used my accurate information to put the loan on myself. That is illegal. This is against my rights as a consumer.
Consumer complaint received 2023-06-22
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: ALLY FINANCIAL INC. (TX)

I recently seen these on my credit report. i did not authorize these. I reached out to all these company 's and they still will not remove them. i want them removed off of my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALLYFINANC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (SC)

Last year our county sent the wrong amount to our mortgage company. We immediately called and told them the amount was incorrect county didnt have us as residents. We went to county on the same day and this was corrected. Then we get a notice the higher amount was paid. We called again and was told it would be corrected. County sent overages to mortgage company however we received a notice that our payment would increase almost XXXX XXXX  per month. We called again. Nothing was ever corrected. I called in XXXX and asked when we would be receiving overage? I was told they will look at in XXXX when I protested this they said they would look into. We did receive a notice that our payment was going down {$210.00} and we were owed surplus amount of {$1600.00} that is great however per their statement we need {$160.00} per month in escrow why do they need {$920.00} in this escrow account? I am a XXXX XXXX XXXX XXXX that is over 5 months? We are also in the process of removing PMI insurance. They have been using over money for over a year, also not paying us interest on our money I dont think this should be allowed.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-29
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the XXXX XXXX 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, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-18
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)

I have reached out to Experian regarding the incredibly large variance between their reporting agency and the two other major reporting agencies. The response I received was about the pillars of information they utilize when reporting and or updating credit scores. I responded by advising them, they utilize the same information as the other two agencies. I did not receive a response after that.
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.