davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-06
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. (WV)

I contacted XXXX XXXX to dispute information on my credit report. There is two things that need updated. They have not updated them with the credit reporting bureaus. I need that updated ASAP. One XXXX XXXX credit card should be removed from my credit report as I am no longer an authorized user and the balance should be update on the other one to {$24.00}.
Consumer complaint received 2018-01-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NV)

I had purchased Bitcoin various times from the merchant. In mid XXXX 2016, I initiated two purchases of ETHer from COiNBASE.com ( XXXX XXXX, CA corp ) via the Internet. They emailed me stating that the ETHer *would be deposited into my account on a certain date* ( emphasis added ). They did not provide the ETHer on the certain date, nor did they ever provide the ETHer. I also ordered some BTC from Coinbase, on the same date. 

I filed a timely complaint with the state of California consumer financial complaint department. Coinbase responded that they were just complying with fincen. However, they did not resolve the issue and simply let it go - likely because I was not a constituent, residing in CA. 

In retaliation, Coinbase closed my account. They stated : " Hello, Thank you for your interest in Coinbase. Our primary goal is to make digital currency safe and secure for our customers. Coinbase is a regulated Money Services Business under FinCEN ( FinCEN.gov ), and as part of achieving this goal, we are legally obligated to implement regulatory compliance mechanisms. 

Upon careful review, we believe your account has engaged in prohibited use in violation of our Terms of Service and we regret to inform you that we can no longer provide you with access to our service. We respectfully request that you follow the on-screen instructions presented when you log into your Coinbase account to send any remaining balance offsite to an external address. 

Should you have any questions or need assistance, please let us know and we 'll be happy to help. 


Respectfully, Coinbase Customer Support '' There was no " careful review '' and neither my account nor I " engaged in prohibited use in violation of [ their ] Terms of Service ''. Their statement that I can " send any remaining balance offsite '' is also inaccurate. They have some of my litecoin which they are refusing to release to me despite saying " send *any* ( emphasis added ) remaining balance offsite ''. Even their attached support article is false. 

I merely exercised my right to complain to a governmental agency about being XXXX out of over ( > ) XXXX ETHer coins and they retaliated against me for having done so. Ironically, I I also updated my address as allowed by the law which governs me and any transactions which I may make. That may have upset them but I am allowed to do so pursuant to : http : //nvsos.govXXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MD)

During the summer of last year when applying for credit using I was advised from creditors they were unable to pull my credit report from Equifax due to a block or freeze. I immediately called Equifax and was advised that nothing was wrong. So I kept calling and was informed there was a block and I needed to submit a letter along with my ID and social security card for verification in order to remove block from my credit report. I submitted this letter in XXXX and to date it was never taken care of and its ridiculous that my situation was never addressed. I called again on XX/XX/XXXX and was told I must resubmit all documents once again if I wanted the block to be removed and that the information they received in XX/XX/XXXX was no longer valid. If at all possible is there anyway to have the block removed without this information I was totally inconvenienced and the entire process is frustrating. Please help me in this situation.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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 : XXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX  | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX | ACCOUNT # XXXX ACCOUNT NAME : TXXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX  | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX  ) | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX C/O XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME XXXX XXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX | ACCOUNT # XXXX Above said accounts, have violated my rights. 

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

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (AZ)

I used AFFIRM to finance the purchase of a cell phone, paid off the balance XX/XX/2022, and the company still has not reported it to my credit bureau, XXXX. I have contacted both XXXX and Affirm but neither has satisfied my request to update the information. The account, XXXX still shows a balance of {$400.00} which should show XXXX, paid in full. Affirm is delinquent in it's obligation to report and keep current consumer 's account status. I have spoken to and written to Affirm with no relief. Following this complaint I will close the account which will adversely affect my credit score but I will take the hit to sever all contact with them.
Consumer complaint received 2020-03-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company (IL)

Hi CFPB, My name is XXXX XXXX XXXX, I check my credit report every couple of weeks Here 's the problems that hasn't been corrected since XXXX of XXXX, I contacted this creditors / companies by phone, Number 1. XXXX XXXX XXXX XXXX has made an inquiry on my credit report several months ago back in XXXX, which I spoke to the secretary of the dealership, at which time I explained to her that I didn't request for any information on purchasing a new car from them, nor did I fill out a credit application, nor have I ever been to the dealership, which was to relay this information to the top management there to remove this entry from my report to this date XX/XX/XXXX the entry hasn't been removed. 

Now for complaint number 2. I have disputed this collection amount of {$1300.00} that was place on my credit report a few years ago that isn't mine, nor do I know anything about, XXXX  XXXX XXXX, who has place this in collection with Merchant Credit Guide base in XXXX Il, located at XXXX XXXX XXXX XXXX XXXX XXXX, I have ask both the collection agency and the credit bureaus to remove this entry for it's not mine, I didn't required any emergency services until XX/XX/XXXX when I had XXXX XXXX at that time, which I was driven to the XXXX Hospital located in XXXX Illinois 25 minutes from my resident. Which I had XXXX XXXX XXXX XXXX XXXX XXXX, and still do as to this day. I file for a chapter XXXX back in XXXX of XXXX, which included all medical bills, as well as miscellaneous creditors. These items should be removed and my credit report with all reporting credit bureau should be update to reflex the changes. Along with the removal of several unknown reported entries, XXXX XXXX in XXXX XXXX CA, XXXX  XXXX base in XXXX XXXX NJ, XXXX XXXX no information for contact listed on report, XXXX Card no contact information listed on report, XXXX XXXX. no contact information listed as well for this company. 

Please investigate and has these entry removed from my credit reports that has handicap me for far to long. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XXXX XXXX
Consumer complaint received 2020-03-06
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. (TX)

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120-180 ) days past due on the DPT ED/XXXX and US DEPT OF ED accounts. ( Please see the attached spreadsheet of reporting bureaus with account numbers, along with a copy of my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-03-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MD)

I viewed a copy of my credit report and saw collections listed on it that I know I do not have. I have written to the companies and to the bureaus on more than one occasion to have them remove these negative listings on my credit report and I have not received any response from them. I have not even seen on the credit report where they entered it as being disputed when I viewed a recent report. 
They are even reporting late payments on my credit report and I never had a late payment on any of my accounts. These negative reporting are affecting my credit scores and I want to get a mortgage but they are ruining me.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MS)

The following inquiries were not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have no knowledge of these inquiries. Someone has stolen my identity Accounts Affected by the Crime Fraudulent Auto Loan or Lease Company or Organization : There are multiple inquiries on my credit report XX/XX/XXXX XX/XX/XXXX {$0.00} Date fraud began : Date that I discovered it : Total fraudulent amount : Fraudulent Information on Credit Reports Credit Inquiries XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Hi, I sent your company a dispute letter last month, XX/XX/2023, It's been over 30 days already but I still haven't got any update in any form coming from your company. I am aware that the FCRA is requiring the CRA 's response within 30 days but I don't know. I read on the internet that I can ask for help from CFPB, XXXX, and the Office of the Atty General so I'm resending the documents that I sent last month for you to look into.
Consumer complaint received 2018-01-22
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: Experian Information Solutions Inc. (CA)

After the XXXX breach, I started to get concerned about my credit and wanted to make sure that my information was correct and up to date. I enrolled in a credit monitoring website called XXXX XXXX  XXXX and from there I was able to take a look at my credit report. I started to noticed a few credit inquiries for banks that I did not apply for. This was alarming because i never authorized the credit companies to look at my credit history. I immediately contacted Experian, XXXX and XXXX to place a block on the fraud inquiries. 

XXXX XXXX XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017 XXXX  XXXX XXXX XXXX XX/XX/2017 Experian XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/2017 XXXX  XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (WI)

I am writing to follow up on my previous complaint regarding the disputed inquiries on my credit report. Despite clearly stating in my initial complaint that this inquiry is unverified and unauthorized, I am disappointed to note that it still persists on my credit report.
Consumer complaint received 2023-02-05
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. (NC)

I have sent a letter on XX/XX/2022 to XXXX XXXX XXXX, XXXX and Equifax Information Services LLC asking them to please provide proof from the original creditor that XXXX XXXX owns this debt and has the legal authority to collect it or delete this account. They have not provided me with that information. Also, while an investigation is going they were suppose to remove the debt until it was verified. They have not.
Consumer complaint received 2023-05-11
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. (VA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions 15 U.S.C 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 2020-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TN)

i just spent 1 hour of wasted phone minutes trying to place extended fraud alert through what i thought was equifax phone numbers. i tried doing it automated and it sent me to another language. i XXXX  equifax & got this site : https : //www.equifax.com/personal/contact-us/ so i wanted to speak to a human & called the listed # XXXX and got someone from XXXX. i told them i wanted to place fraud alert, because i didn't know if my initial fraud alert was 90 days or a year. he proceeded to ask? to confirm identity which i confirmed, until he asked me for the date of my initial placement of fraud alert. i told him i did not have paperwork or could even remember that was why i was calling him. HE REFUSED TO GIVE ME ANOTHER? AFTER I HAD ALREADY CONFIRMED MY IDENTITY. i ask to speak to supervisor because this XXXX was enraging me after i had already spent 1 wasted  hour on just trying to place an alert through automation. then he put me on hold for spite. THIS XXXX OF XXXX NEEDS TO BE FIRED. NOW I AM CONCERNED THAT I DID NOT EVEN CALL THE LEGITIMATE EQUIFAX CREDIT BUREAU PHONE #. 
ANYWAY, i called XXXX  and a XXXX cs agent confirmed that my initial fraud alert is still good till XX/XX/2020. THE SUPPOSED EQUIFAX CS AGENT DID NOT HAVE THIS INFO, SO NOW I AM CONCERNED THAT THIS SITE & PHONE # IS A SPOOFED SITE TO REDIRECT EQUIFAX CUSTOMERS TO IDENTITY THIEVES. 

PLEASE, PLEASE WILL SOMEBODY CONFIRM THE IDENTITY OF THIS SITE & PHONE # AS BEING THE LEGITIMATE EQUIFAX CREDIT BUREAU.
Consumer complaint received 2020-03-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (FL)

I took out a loan for XXXX school that I believe was XXXX. It is now $ XXXX since it took be a bit to find a job, then my first job paid me $ XXXX a year. I am on a PAYE plan, for lowest possible payment, as I am married with a child. My loan increases because of my absurd interest rate ( 6.55 to 7.5 ). By the time I am forgiven for my loan based upon my plan ( 25 years ) I will have paid more than I took out. Then, I will get taxed as income the forgiveness, essentially resulting in me paying off my loans for the rest of my life. Interest rates go down everywhere but for student loans. 

I can not file married jointly for taxes because otherwise the PAYE plan will double my payment. Therefore, I file married/separate and as a result, I can't take advantage of a childcare credit. I also get no deductions for interest payments because of a ridiculous law. 

This must stop. It is ruining my life.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc. (CA)

Furnishing and Reporting Inaccurate Information ACCOUNT # 1 : MONEYLION INCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Delinquency First Reported : XX/XX/XXXX- Not accurate, based on payment history provided by XXXX, I made a payment as of XX/XX/XXXX. ( Paid on Time ) XXXX ) Date of Last Payment REPORTED as of XXXX XXXX XXXX Furnishing and Reporting Inaccurate Information. XXXX is showing that Moneylion reported a " Charge Off '' in XX/XX/XXXXXXXX XXXX  Again, not accurate! 

RESOLUTION : Delete Account and Negative Remarks from my credit report immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Furnishing and Reporting Inaccurate Information XXXX ) Reporting to XXXX that the account first opened XXXX XXXX XXXXXX/XX/XXXX and that the date of first delinquency was XX/XX/XXXXXXXX XXXX These dates do not make sense or add up. 


RESOLUTION : Remove account and negative remarks from my account immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) FAILED to provide documentation of verification and of the following requested information : Deferred Payment Start Date Date Closed Date of Last Payment Scheduled Payment Amount Actual Payment Amount Charge Off Amount RESOLUTION : Remove account and negative remarks from my account immediately.
Consumer complaint received 2020-03-06
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)

Good Afternoon CFPB I have been disputing inaccurate information on my credit report, there are multiple accounts that are reporting inaccurately. I have submitted multiple disputes starting XX/XX/2020 - the accounts have remained on my account. 

I am submitting a complaint as a last resort and I hope you can assist me in removing this inaccurate information from my report. 

Thank you so much, XXXX
Consumer complaint received 2023-06-09
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. (MD)

The listed accounts do not belong to me : XXXX  XXXX XXXX. Open date XX/XX/2023. XXXX {$23000.00} XXXX. Open date XX/XX/2023. XXXX {$16000.00}
Consumer complaint received 2020-03-06
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. (GA)

To whom it may concern : Under Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. A copy of a previous complaint and response is attach.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.