davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-12
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Over the years, Transunion has been a thorn in my side. From incorrect reporting to their refusal to remove addresses and personal information, I am a consumer at wits end with this company. 

According to the FCRA, items that were discharged in bankruptcy are supposed to be updated to a " paid, closed '' status. 

Transunion has ALL of my accounts included in bankruptcy listed as derogatory, which makes it seem like I have issues that I really do not. They are also listing accounts past the regulated 7-year period ; in fact, they have advanced the age of several accounts. 

These accounts must be removed due to age : XXXX XXXX   XXXX - XX/XX/XXXX is the correct date { XXXX XXXX XXXX - XX/XX/XXXX is the correct date { XXXX XXXX - XX/XX/XXXX is the correct date { XXXX XXXX - XX/XX/XXXX is the correct date { XXXX  XXXX - XX/XX/XXXX is the correct date Furthermore, during a phone call on XX/XX/XXXX with a representative, the following inquiries were to be removed as they do not meet the standard of permissible purpose. The companies I mailed did not respond to me. 

XXXX - XX/XX/XXXX, XXXX/XXXX - XX/XX/XXXX, XXXX   - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX/XXXX   - XX/XX/XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX   - XX/XX/XXXX, XXXX/XXXX - XX/XX/XXXX, XXXX/XXXX  - XX/XX/XXXX Finally, these addresses are not associated with me : XXXX XXXX XXXX XXXX XXXX IN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX FCRA 617 outlines the remedies available to consumers should Transunion stall, fail to comply or blatantly ignore my requests. 

Remember, you are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. Because the digital era has opened up CRAs to fraud and data breaches, I do not trust E-Oscar and therefore want physical verification ( signed contracts, proof of applications ) that inquiries and current accounts are being displayed as they should. 

This complaint is an addendum to the complaint submitted to Transunion via USPS Certified Mail, which was received on XX/XX/XXXX.
Consumer complaint received 2024-04-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (CA)

I called to get my statements from 3 banks and they gave me the run around with verification and my SSN as I don't have bank account numbers, and then refused to produce these without visiting a branch and they called the police to escort me out since they messed with my account. The XXXX program for SSI recipients was also implemented only partially and they made me find my own bank instead of issuing a reason for the partial implementing.
Consumer complaint received 2022-05-26
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. (AR)

THESE FRAUDULENT ACCOUNTS ARE LISTED ON MY CONSUMER CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES.
Consumer complaint received 2018-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX  has an account listed on my credit report opened XX/XX/XXXX. My girlfriend at the time added me as an 'authorized user ' and the account has been charged off at {$490.00}. I never used this account or authorized being added to it. I contacted XXXX XXXX XXXX. They referred me to a collection agency which stated the account was closed years ago, and last reported to credit bureaus XX/XX/XXXX. I was also told the credit bureaus are the only ones who can remove this closed account from my credit report. XXXX notated the account and said they would be willing to speak with someone on my behalf to have this removed from my credit report. XXXX.
Consumer complaint received 2024-04-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

I have 2 accounts in citi bank 1 business & 1 persons in XX/XX/year> citi bank closed I have my balance in account more then {$3500.00} which citi bank never returned my money which is {$3500.00} I called so many time Citibank no one help customer service or fraudulent team said go to the near branch I went so many time inside branch branch worker said call Citibank fraudulent team i became helpless then after few months I called again on of the Citibank representative open my claim and she said you will receive your money in 5to7 business days case number is XXXX and I still not received my money I called today again on XXXX more then hours I trying to explain they said again go to the branch I am not getting help to any side please I request help me to get my money back I would be appreciate that money I deposited in Citibank for my credit card and bills payment which is year half now I didnt receive my money Worst Bank ever My account number XXXX My name XXXX XXXX
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-04-12
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: ALLY FINANCIAL INC. (TX)

On XX/XX/2024 I requested my XXXX XXXX account be cloed and send me a check in the amount of {$120000.00}. After a few days they only told me the account was closed and wait for a check. After a week I phoned each day and was told it would be in the mail tomorrow. 

After XXXX weeks I am now being told to request a replacement check I did so on their form in writing and notorized and requested it be sent registered. They tell me each day it will be looked at and approved by a supervisor. Still nothing. I ask everyday for a supervisor. They refuse. 

I want my money and no more " Call Tomorrow '' answers XXXX XXXX XXXX Ally Bank Case # XXXX
Consumer complaint received 2021-12-30
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)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2021-12-30
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. (NC)

My credit report is still showing a negative account with XXXX XXXX. ( Account # XXXX ) As previously stated to the credit bureau XXXX I've never had any accounts, loans, credit cards, etc. with XXXX XXXX. I have disputed this information with the credit bureau and their response has been " it's been verified '' but they refuse to give me the details on how they " verified '' it. To make matters worse, they're now telling me they will not do another investigation and it is my responsibility to reach out to XXXX XXXX to resolve this matter. I have reached out to XXXX XXXX asking them for proof that this account belongs to me, but I have yet to receive a response from them. If the credit bureau has verified this account belongs to me, I would like for them to send me proof that it is mine, not just saying " it's been verified. '' If they can't provide me proof that I'm the owner of this negative account, then I would like for the credit bureau to delete it.
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (AZ)

I'm always making payments on my American Express Blue XXXX card to keep it current and to the balance down, Since I had the card I have paid it off many times. Lately, I have received emails informing me that my future transactions will be declined unless you make a payment. Because I always make payments, I feel that these are harassing emails which need to stop, I have already spoken with a representative at American Express concerning this issue and the emails continue.

Here are some of the emails I received : 1.A recent transaction has been approved American Express Logo XXXX XXXX XXXX Account ending : XXXX Card Art Alternate Text Future Transactions May Be Declined We recently approved a transaction, but based on your recent spending, you may reach your credit limit soon. 
Merchant : XXXX XXXX Transaction Amount : {$41.00} You may be able to avoid future declines by making a payment to reduce your balance.

Make a payment If you recently made a payment, we may still be processing the payment. 
2.Alternate Text Future Transactions May Be Declined We recently approved a transaction close to your credit limit. 
Merchant : XXXX XXXX  Transaction Amount : {$5.00} You may be able to avoid future declines by making a payment to reduce your balance.

Make a payment If you recently made a payment, we may still be processing the payment. 

*These are just XXXX out of the several similar messages I've been receiving. 

Thanks, XXXX XXXX XXXX
Consumer complaint received 2021-12-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (IN)

A individual contacted me and pretended to build a relationship with me for a whole year. He gave me a sob story telling me that his mom had passed away he went to XXXX he was stuck over in XXXX if I would help him to open up an account to provide his checks to go through so that he can get back. Come to find out that the checks were fraudulent after the fact that they wanted a refund of the {$4200.00}.
Consumer complaint received 2021-12-30
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. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2019-12-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC (AZ)

Calvary Portfolio is a secondary collection agency that apparently purchased this debt from the primary lender. Calvary Portfolio never notified me of this debt, nor did they give me the opportunity to ask for proof of this debt. This is not my account and I do not owe the money asserted by this collection agency.
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX, STATED stated in the previous complaint, ( XXXX XXXX XXXX purchased the XXXX XXXXXXXX XXXX ( XXXX ), XXXX. ( " XXXX XXXX '' ) MasterCard credit card account ending in XXXX from XXXX XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/2021 ). 
First off, I never gave XXXX XXXX XXXX written consent nor authorization to purchase my non-public personal information associated with the XXXX XXXX account. Neither, did I give XXXX XXXX permissible purpose to furnish this account to the consumer reporting agencies. During this obvious transaction that was done unethically, I was an uninformed consumer. You have defamed my character, and have affected my livelihood and reputation.
Consumer complaint received 2021-12-30
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. (GA)

On XXXX XXXX I pulled my credit report. While reviewing the report, I noticed that there are 4 collections on my Equifax report that do not have a credit name/original credit or account name. There is only a balance for these accounts. I am requesting this be removed from my credit report immediately as it does not belong to me, there is no identifying information and its a violation of my consumer rights. Please see evidence provided from credit report.
Consumer complaint received 2021-12-30
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)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-12-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (MI)

On XX/XX/2021 I opened up a checking and savings account and On XX/XX/2021 I put XXXX dollars into the savings account but it all of a sudden disappeared out of my savings accoun5 and then i was locked out of my account and was told to bring my social security number back into the office in order to get the lock off of my account. Today is XXXX XXXX XXXX and they still dont know where my money went. I received a text saying my money was in the account but then two ours later it said the money was gone.
Consumer complaint received 2019-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

My XXXX XXXX mortgage was paid off in XX/XX/XXXX Yet, it reported on Equifax behind 120 days in XX/XX/XXXX from XX/XX/XXXXthrough XX/XX/XXXX. This is impossible as the mortgage was already paid in full. Both XXXX  and XXXX are reporting this correctly. Equifax is the only one not reporting correctly and I've reached out to them numerous times to correct this erroneous information.
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX, STATED stated in the previous complaint, ( XXXX XXXX XXXX purchased the XXXX XXXXXXXX XXXX  ( XXXX ), XXXX. ( " XXXX XXXX '' ) MasterCard credit card account ending in XXXX from XXXX XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/2021 ). 
First off, I never gave XXXX XXXX XXXX written consent nor authorization to purchase my non-public personal information associated with the XXXX XXXX account. Neither, did I give XXXX XXXX permissible purpose to furnish this account to the consumer reporting agencies. During this obvious transaction that was done unethically, I was an uninformed consumer. You have defamed my character, and have affected my livelihood and reputation.
Consumer complaint received 2019-08-07
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. (TX)

Disputed more than once : Experian : XXXX XXXX : XX/XX/XXXX, {$230.00} I spoke with and sent emails and received an email from the company stating they had deleted this account and amount off of my account because this account belongs to a relative with a similar name. At the time of this bill, I lived in another location. 

Experian : XXXX XXXX  : XX/XX/XXXX, {$170.00} This location was sold in XXXX and all transactions were paid off by a new owner. 

Experian : XXXX XXXX XXXX : XX/XX/XXXX, We received a deposit from this utility not owing them anything. I never received a bill showing that I owe them anything. 

Experian has several inaccuracies with an excuse that it's updated every 24 hours. That's untrue. They have very old, outdated information and won't update the most recent positive information. They thrive off negative data for certain people like myself : Adding my bank to my husband 's bank Adding my credit card as his credit cards Inaccurate balances and paid off balances as unpaid They are ridiculous and should be shut down immediately.
Consumer complaint received 2023-01-14
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: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, has violated my nights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2023-01-14
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my nights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2021-12-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

I tried to sign into my Coinbase & Coinbase pro account around XX/XX/21 I got an error message stating my account had been temporarily disabled and to contact support. 

I have contacted support by opening over 20 support cases over the last 3 months but every case is closed without me receiving any help or information. 
I have requested the details of their financial ombudsman but they refuse to share this with me. 
I have opened a complaint case also but they do not respond. 

They are withholding my entire life savings and I am in extreme mounting debt because of this. 
They have ruined my XXXX as I have not had access to my savings. 
I am in debt from borrowing money to pay my bills. 

Please have them open my account so I can have my life savings back before I lose everything I have worked my whole life for.