davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-12
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. (NC)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-10
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. (SD)

In XXXX my FICO score went down 17 points because of ONE INQUIRY. 
Must have a glitch happening, I have new credit, no way I lost 17 points for ONE INQUIRY!
Consumer complaint received 2024-04-02
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. (LA)

My credit report with XXXX shows that I have student loan balances with XXXX of {$14000.00} and {$51.00}. These loans were transferred to XXXX and subsequently forgiven under the PFSL Forgiveness program. XXXX shows that the balances are XXXX. I spoke with a representative from XXXX and they states they would submit a retraction of the incorrect balances and agreed that these loans were transferred and are at a XXXX balance status. They subsequently sent a letter saying something different which I will attach to this dispute later. XXXX shows that my student loans have a XXXX balance, while XXXX and Equifax continue to show the balance with XXXX. I have disputed these charges multiple times and each time my credit score seems to go lower.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet all Persons/Corporations are reporting this information. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of the consumer XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that any account that negatively reflects has been " validated '', let 's be clear that I am not asking you to validate or verify anything. Please do not respond saying that as a tactic to waste my time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of the IRS form 1099-C Cancellation of Debt. XXXX and other Reporting Agencies/Creditors reporting Collections/Charge-Offs, late payments/ALL other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted Overview with the Internal Revenue Service against ALL entities involved if ALL derogatory information is not deleted from my consumer report within 30 days I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Original Information.
Consumer complaint received 2023-07-12
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. (GA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

On XX/XX/XXXX, I received an email from the Compliance Department of Coinbase requesting information such as my passport, photo identification, address, etc., for a security and compliance review. I submitted all the requested documentation on the same day. Subsequently, in XXXX, they requested additional information, and by XXXX, my account had been deactivated. Consequently, I am unable to buy or sell my crypto assets or link my Coinbase account with my bank account, effectively leaving me unable to access my funds. 

On Monday, XX/XX/XXXX, after waiting on hold for an hour and thirty-five minutes, I spoke to a customer service representative who was very helpful and explained my entire situation. I was provided with the reference number XXXX and was assured that my account would be reactivated soon. However, this issue has been ongoing since last month, and I have a significant amount of money in my Coinbase Wallet that I am unable to access. Despite sending several emails, I have not received any response. The service for my account is restricted, and I am at a loss on how to have it reinstated. I am unsure of what steps to take next.
Consumer complaint received 2023-07-12
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 my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2016-01-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, I was informed by my credit card company XXXX XXXX XXXX that someone has been using or attempting to open credit card accounts using my name, date of birth and social security number without my permission. The suspect has already opened several credit card accounts and committed the crime of theft in XXXX California. The suspect stole my identity by using my name, social security number and date of birth to commit theft and avoided payments and capture from the law. I reported the incident to the XXXX credit card bureaus such as XXXX, XXXX and Experian. I had to place a security freeze and a fraud alert in order to prevent the suspect from opening further credit card accounts without my permission. I had to dispute numerous fraudulent charges against me committed by the suspect in XXXX California. I filed a XXXX XXXX Police report on XX/XX/XXXX and gave copies to some merchants or credit card companies along with my driver license and personal information in order to prove my real identity. I also gave the police report to Experian and other personal information in order to place a 7-Year Fraud Alert and Security Freeze. Experian refused to assist me and refused to place a 7-Year Fraud Alert based on my request. I requested Experian for the XXXX Fraud Alert because I do NOT want the suspect to steal my identity for the next 7 years and continue the crime of theft. Experian refused to assist me and ask for more personal documents. I already sent Experian the copy of my driver license, my social security card, my DMV bill and property tax bill verifying my true identity. Experian refused to assist my request. I would like Experian to be fully investigated and would like to know why it still requesting more personal documents. I need help and Experian refused to assist me after I reported being a victim of identity theft. I disputed the fraudulent charges against me because I never lived in XXXX California. The suspect committed these crimes of theft in XXXX California and provided a false or fake southern California address in XXXX, California. I ONLY live in XXXX XXXX since XX/XX/XXXX and NEVER in XXXX California such as XXXX, California.
Consumer complaint received 2023-03-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate. The following accounts listed on my report contain errors : XXXXXXXX XXXX  XXXX Late Payment Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX  XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXXXXXX XXXX XXXXXXXX Charge Off Account XXXXXXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXXXXXX XXXX XXXXXXXX Charge Off Account XXXX  XXXX Charge XXXX Account XXXX XXXX XXXX  XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to request that inaccurate information be removed from my credit report. The FCRA requires that credit bureaus investigate disputed items and correct any errors within 30 days. 

I believe that the above-listed accounts contain errors in the form of incorrect balances, inaccurate late payment reporting, and/or incorrect dates. As such, I request that you investigate these accounts and correct any inaccuracies as soon as possible. 

I also want to express how deeply concerning and stressful it is to have inaccurate information on my credit report. It affects my ability to secure loans and credit, and it can impact my financial well-being. I urge you to take my dispute seriously and promptly investigate and correct any errors on my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal is retaining my funds for no reason. I have been operating with this digital wallet for more than 10 years, and in general I didn't have any problems, except for the last month. They obliged me to change the status of my account ( from personal to commerce account ), as I decided to roll out a XXXX website for my business. Since that moment, they have retained my money each time I issue invoices for my services ( tourism services ). This is affecting my business, because I am having cashflow problems as I can not use my money. They say they retain the money to " protect my account '', but this doesn't make sense since my account is not new and I have been using Paypal for many years.
Consumer complaint received 2024-04-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (NY)

I don't use autopay for my AMEX bills, but i generally schedule them well ahead of time. I am rarely ever late ( maybe once every couple of years. ) I appear to have missed scheduling an XX/XX/2024 payment and was notified of it by email on XX/XX/XXXX. I scheduled a wire and paid off the outstanding invoice as well as the subsequent invoice due XX/XX/XXXX. They received this payment on XX/XX/XXXX, 8 days after my XXXX payment of {$23000.00} was due. 

I was stunned to see in my account a {$940.00} interest charge on XX/XX/XXXX, only 5 days after the invoice was due. 

I called up and spoke to array of customer service people, then managers, and what they told me was XXXX ) There was 'nothing they could do in the system ' even though they said they would fix it if they could as I've been an active cardholder for 34 years and XXXX ) The basis for the excessive charge was that once the payment was considered late, as I was listed in a 'payment over time ' option they could start charging me interest from the beginning of the credit card statement month instead of from the day I was overdue on paying it. They therefore went back to XXXX to start charging interest. 

I said this was outrageous, and pointed out there would be zero interest if I had paid on XX/XX/XXXX so therefore they didn't somehow get to go back and charge me interest from before that occurred. I also noted that I had no idea how I had been entered into 'payment over time ' option and that at no point was it adequately explained to me that in this program any minor lateness could be treated with essentially excessive and retroactive interest. I asked if i was NOT enlisted in this program how much I would be charged for being late, and was told 'they did not have the answer to that question ' but seemed to agree it would only be a small late fee and/or a few days interest. 

In any event I asked them to remove the charge, or otherwise fairly compensate me for it, and they refused. I told them to turn off 'payment over time ' for my account and applied for a new XXXX card to replace my Amex.
Consumer complaint received 2024-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXXXXXX XXXX : {$0.00}.
Consumer complaint received 2023-07-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Coinbase, Inc. (FL)

Received email stating I had authorized a payment for a {$560.00} purchase I did not make. I called to dispute charge. They then said they needed to get into my computer to assist with refund/credit procedures. Once in my computer, he started the process for the refund. He had me complete a {$20.00} refund request to test that the connection was correct. That {$20.00} test immediately became {$2000.00}, which I believe he changed while in my computer remotely as I was not able to change or correct. So he demanded I obtain {$2000.00} worth of gift cards and take photos of the gift cards ( serial codes ) and send to him via text. He was then to refund the {$560.00} but claimed he could only send me {$2700.00} ( minimum amount his business account could give ), I would then have to get more gift cards to cover the difference between {$2700.00} & {$560.00}. He threatened me with putting my bank account on hold unless I did what he said. 
I sent him {$2000.00} of XXXX and XXXX gift cards, withholding the rest. He locked my computer and demanded {$500.00} to unlock. 

Email below : From : XXXX XXXX XXXX Date : XX/XX/2023 at XXXX XXXX EDT To : XXXX Subject : Thankyou for your order. XXXX XXXX We are thrilled to confirm the order you recently placed with us. Rest assured, our dedicated team is already hard at work, meticulously preparing your order to ensure it is delivered promptly and meets your expectations. As per the estimated delivery date mentioned in the order details, you can expect to receive your items on time. We take immense pride in providing exceptional customer service. If you have any additional requirements or questions about your order, or if you need to modify anything, please don't hesitate to reach out to us. Our friendly support team is always here and ready to go the extra mile for our valued customers like you. XXXX XXXX You authorized a payment of {$560.00} to Coinbase, Inc He said his name was XXXX XXXX, representing XXXX XXXX 
Phone number : XXXX
Consumer complaint received 2023-07-12
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. (NY)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-07-12
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. (CO)

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. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2023-07-12
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: EQUIFAX, INC. (FL)

I HAVE NOT RECIEVED ANY VERIFICATION OF DEBT OR REPLY. COMPANY VIOLATED THE CEASE AND DESIST BY REPORTING TO CREDIT BUREAU WITHOUT PROVIDING ME WRITTEN PROOF AS REQUESTED. I HAVE NOT RECIEVED ANY PROOF OF DEBT OR SIGNED DOCUMENT BY ME THAT VALIDATES THE DEBT AND ITS BEEN OVER 90 DAYS. LAWS 15 U.S. Code $ 1681c-2 HAVE BEEN VIOLATED BY THE COMPANY 'S ACTIONS AND I REQUEST YOU TO REMOVE THE NEGATIVE ACCOUNTS FROM ALL BUREAUS IMMEDIATELY! I WILL BE LOOKING TO FILE SUIT AND COMPLAINTS WITH FTC BECAUSE MY RIGHTS AND LIVELIHOOD HAS BEEN AFFECTED BY THEIR ACTIONS.
Consumer complaint received 2023-05-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (TX)

The company, Goldman Sachs acting through Apple Savings, allowed me to add two external bank accounts for withdrawing funds. They stated that it would take 1-3 business days to process external transfers. I requested transfers on Monday, XXXX. When no cash had shown up by Wednesday, XX/XX/XXXX, I called customer service and was informed that it was actually 1-5 business days ( not advertised conspicuously anywhere in their customer facing interact ). When no cash had arrived by Friday, XX/XX/XXXX, I called in and was told that the transfers had actually cleared and that I would see the funds on the next business day. When no cash arrived on Monday, XX/XX/XXXX, I called in and was informed that the transfers had been processed and I should see them the next business day. When no cash arrived on Tuesday, XX/XX/XXXX, I called in and was informed that ( i ) regarding the first account that I attempted transferred money to, the account had yet to be verified and ( ii ) with respect to the second account I had attempted to transfer money to the transfer had been flagged as suspicious and was under review until XX/XX/XXXX, when it was cleared and would be available in 1-3 business days. It is Thursday XX/XX/XXXX, 9 business days after the transfer request, and I still have not received my funds.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

As I reviewed my recent report, I have found a lot of erroneous information reporting on my TransUnion Credit Report. I am not sure if you have conducted a thorough investigation for the following items. The information is not accurate and is different from other bureaus. Please see the items stated below XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$9100.00} XXXX XXXX Balance : {$0.00}