davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have an account reporting with XXXX XXXX XXXX XXXX I sent in a request to Experian & XXXX   to investigate the data reporting because I saw some inconsistencies between them. They both claim to have done a proper investigation yet it isn't possible to have two different last active dates on the same account.
Consumer complaint received 2022-06-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST NATIONAL BANK OF OMAHA (PA)

Recently ( around XX/XX/2022 ), I got a credit card XXXX XXXX  ) statement from First National Bank of Omaha ( account # : xxxx xxxx xxxx XXXX, balance : {$28000.00} ). Actually, it is not my card, I never applied this card, and I never know anything about it. It is a Fraudulent Card.
Consumer complaint received 2022-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

Two Bank of America credit cards with a {$12000.00} limit and two Bank of America accounts were fraudulently opened in my name in XXXX, XXXX and another Bank of America credit card with a > {$12000.00} limit was fraudulently opened in my name in XXXXXXXX XXXX. An attempt was made in XXXXXXXX XXXX  to fraudulently open an account with XXXX XXXX. These accounts have already been closed and I put a freeze on my credit with all three credit bureaus to prevent further attempts of fraud.
Consumer complaint received 2022-06-01
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)

In XXXX of 2021 I disputed two fraudulent accounts that I noticed on my Transunion credit report. I informed Transunion that the XXXX and XXXX 's accounts on my credit report was fraud and that I paid and closed them and I wanted them deleted from credit file per 605B of the FCRA. I sent in my police report, dispute letter and Identification in support of request and as required. Transunion still negligently denied my request. I also requested information and documentation the fraudsters could have used and Transunion to deny my request. My request was made to Transunion per section 609 15 U.S. Code 1681g and subject to section1681h ( a ) ( 1 ) asking for full disclosure of documents. Transunion wrongly denied all request. This will be last good faith effort with Transunion giving them opportunity to correct my credit report before seeking relief in court. 

I would like for Transunion to block the fraudulent accounts ( XXXX and XXXX ) from my credit report. I would also like for Transunion to delete the the fraudulent inquiries I mentioned on my attached written dispute. Lastly, I ask that Transunion delete the fraud alert on my credit report as I did not request it and those telephone numbers are NOT mine.
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, the 3 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. Please check payment history, date open, last activity and Status of XXXX  XXXX. I believe it was reporting in error.
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I submitted a letter to the 3 Credit Bureaus XXXX XXXX, 2022 to update these pieces of suspicious information. 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. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of unauthorized items which do not belong to me or were opened without my permission. 

XXXX XXXX : XXXX XX/XX/2020 TRANSUNION COLLECTION : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance : {$840.00} INQUIRIES : XXXX XXXX XX/XX/2020 XXXX XXXX XXXX  XX/XX/2020 XXXX XXXX XXXXXX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance : {$840.00} INQUIRIES : XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXXXX/XX/2020
Consumer complaint received 2020-02-15
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LoanCare, LLC (WA)

In XXXX my partner XXXX  from XXXX. He deeded the house over to me. I started with XXXX and then XXXX XXXX and then XXXX. I was sold to XXXX XXXX last year. I was paying mortgage under my partners name. In XXXX a Gang stole my back up fund of cash. I failed the mortgage payments. I was turned over to Loan Care. I am almost XXXX and XXXX with XXXX  problems. Loan care just informed me I have a second mortgage on my home for {$75000.00}. They informed me it was XXXX XXXX debt and I have to assume it. Was created in XXXX. I said no they had forgiven the debt. Representative said talk to XXXX They are not available due to insolvency. 

I have talked at great length with XXXX XXXX and Loan Care. They are rude and over ride my every word. Loan Care did a loss mitigation plan and it works out more than my old payment. They also charge {$10.00} dollars daily for late charges. XXXX XXXX is an awful company.
Consumer complaint received 2022-06-01
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. (NY)

I called Transunion after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was an Account : XXXX XXXX  XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : XXXX and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account 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.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Transunion not blocking this account is inadvertently resulting in me being extorted.
Consumer complaint received 2020-10-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

On XX/XX/2020 I mailed certified letter to Portfolio Recovery Associates requesting validation of debt for account : XXXX made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. Portfolio Recovery Associates have failed to provide requested validation. The amount of debt claimed is {$820.00} for a factoring company according to their credit bureau information. This debt is unvalidated, unverified and I request that this matter be permanently closed and also that the Credit Bureau be informed and their information updated.
Consumer complaint received 2022-06-01
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. (NY)

I called Equifax after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was an Account : XXXX XXXX  XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : XXXX and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account 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.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking this account is inadvertently resulting in me being extorted.
Consumer complaint received 2022-12-19
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. (CA)

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, 15U.S.C 1681 XXXX XXXX  I ( XXXX XXXX XXXX XXXX  XXXX, Account # XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX. Account # XXXX XXXX. ACCOUNT # XXXX XXXX XXXX XXXX. ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX, ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX. ACCOUNT # XXXX Has violated my rights 15 U.SC 1681 Section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A 2. it also states a consumer reporting agency can not furnish an account without written instructions. 15 U.S.C 1681 ( a ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information, other than record conviction of crimes which antedates the report by more than seven years. 15 U.S.C. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

I believe I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. I am not familiar with the list of accounts I am disputing and I believe that they do not relate to any transactions that I have made or authorized. Please investigate these items at the earliest possible time. Below are the fraudulent items that are still appearing on my report : XXXX Collection : XXXX Balance : {$2000.00} Inquiries : XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XX/XX/XXXX EXPERIAN Collection : XXXX Balance : {$2000.00} XXXX XXXX Balance : {$220.00} XXXX XXXX Balance : {$100.00} XXXX XXXX  Balance : {$150.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection : XXXX Balance : {$2000.00} Inquiries : XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

I believe I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. I am not familiar with the list of accounts I am disputing and I believe that they do not relate to any transactions that I have made or authorized. Please investigate these items at the earliest possible time. Below are the fraudulent items that are still appearing on my report : EQUIFAX Collection : XXXX XXXX : {$2000.00} Inquiries : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Collection XXXX XXXX XXXX XXXX {$2000.00XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX Balance : {$100.00} XXXX XXXX Balance : {$150.00} Inquiries : XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Collection : XXXX Balance : {$2000.00} Inquiries : XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP im extremely frustrated.
Consumer complaint received 2020-02-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

My automatic payment on XX/XX/XXXX inexplicably went to a bank account that had been closed for 6 months and that was deleted from my payment profile for this card since XX/XX/XXXX. As a result, the payment did not go through. Due to this, I was charged {$85.00}. I think this was a system malfunction at citibank NA ( in fact all previous payments, automatic or otherwise, had been debited from the correct account since XX/XX/XXXX ). Citibank has been slow to resolve this issue.
Consumer complaint received 2022-06-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MN)

Commencing on or around XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase Inc account to fraudulent investment firm ( s ) via my Coinbase USDT wallet. I also made deposits for a total amount of XXXX USD from XXXX to the fraudulent investment firm ( s ) via my Coinbase USDT wallet, for a total of XXXX USD. These funds were transferred from the wallet to an address unknown to me without my authorization. 

On XX/XX/XXXX, I emailed a Demand Letter ( dated XX/XX/2022 ) to Coinbase Inc per XXXX XXXX. On XX/XX/XXXX, Coinbase Support responded ( Case # XXXX ) that " All cryptocurrency transactions that are confirmed on the blockchain are irreversible. Coinbase has no information about ownership of external cryptocurrency addresses, and because this is an external process, there is no way for Coinbase to cancel, reverse, or recover these funds on your behalf. '' On XX/XX/XXXX, I emailed a Rebuttal Letter ( dated XX/XX/2022 ), to Coinbase Inc. Coinbase Support responded ( Case # XXXX ) that " Due to the irreversible nature of cryptocurrency protocols, transactions can neither be canceled nor reversed once confirmed on the blockchain. It remains the customer 's responsibility to review the details of the dapps they interact with and understand the risk when interacting with them. We recognize the difficult position this puts you in, but we can not reimburse or credit your wallet. ''
Consumer complaint received 2022-06-01
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: CITIBANK, N.A. (TX)

Case Number : XXXX On XXXX XX/XX/22 I discovered Citi rejected on dispute WITHOUT letting me respond due to not having much detail on the product. I then submitted my response letting Citi know the detail. However, Citi refused to reopen the case violating my rights to dispute. Even though my dispute had to deal with NOT receiving the product. Here are the facts. XXXX, XXXX, transaction date XX/XX/22 and {$1400.00} According to my records, XXXX  submitted documentation alleging that I have received the product. However, this is not the case. Your department claimed they could not act because they did not have an accurate description. This is untrue and the evidence clearly shows these were sent to an address that is unknown with no signature evidence. Here are the details you are looking for : 1 large duffel bag, 1 Leather care kit, 1 leather cleaner, 2 Mens cedar inserts, 1 boots socks and 1 pair of boots ( the dillon ) size 12-d The evidence in fact shows I was defrauded. No one received the product that was authorized. Under the Fair billing and credit act would like to open the dispute. Further, I would like to point out no proof of delivery was provided besides a XXXX XXXX tracking number that was shipped to a unknown location.
Consumer complaint received 2022-06-01
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. (FL)

I was looking at my credit report and notice some inquiries that i did not authorized the inquiries are as follow on expirian XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XXXX XXXX I would like these inquiries removed immediately
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

On XXXX/XXXX/2022, I sent Experian and XXXX letters to dispute inaccurate information on my credit report and demanding verifiable proof that they have on file. Once 30 days went by, and I realized I did not receive any proof that I requested and those negative items were still showing up on my report, I decided to submit this complaint. On XXXX/XXXX/2022, I also sent a letter to the above mentioned bureaus letting them know that I did not receive a response as requested and that I would be submitting a complaint to the FTC. Please see the accounts listed below : - XXXX  Account Number : XXXX - XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-06-01
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)

I recently received a copy of my credit report from May 2022 and have found that my rights have been violated in accordance with the Fair Credit Reporting Act.

15 U.S.Code 1681 Section 602 A. states that I have the right to privacy. Furthermore, 15 U.S.Code 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 

The following accounts have violated my rights : XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXXXXXX for {$88.00} XXXX. XXXX XXXX XXXX XXXXXXXX for {$100.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unnamed medical account XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX