davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-14
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX  XXXX XXXX Balance : {$13000.00} ; XXXX XXXX  XXXX XXXX Balance : {$11000.00}
Consumer complaint received 2021-01-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

For 4 weeks I have been trying to get my account unlocked. 0 response from Coinbase.com Here are the support tickets I've filed so far : Case # XXXX - Coinbase Pro says XXXX for Withdraw, and Trade blocked out even though payments are up to date Case # XXXX - Can not Sell, Convert, or Withdraw Crypto Case # XXXX - Coinbase Pro account can not withdraw, deposit, or trade! Please help! 
Case # XXXX - 4th Support Ticket -- No Response. I am reporting Coinbase Pro to the FTC 0 Response. They are holding my funds hostage, please help me.
Consumer complaint received 2023-01-14
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. (IL)

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 : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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. 
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 XXXXXXXX Balance : {$10000.00} XXXX XXXX Balance : {$970.00} XXXX XXXX Balance : {$640.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$49.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX  XXXX ) XXXX Balance : {$1700.00}
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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. 
XXXX XXXX : # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2023-01-14
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)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX business days after the date of receipt.
Consumer complaint received 2022-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX and I am a federally protected consumer. I am filing this complaint against TRANSUNION for continuing to furnish unauthorized information to my consumer report. On XX/XX/XXXX I received a letter from XXXX XXXXXXXX stating that " On XX/XX/XXXX, we sent a request to the Consumer Reporting Agencies ( XXXX  ), asking them to remove the hard inquiries listed above. ( XX/XX/XXXX ; XX/XX/XXXX ) '' Furthermore, on XX/XX/XXXX, I received a letter from XXXX XXXX stating that they " have submitted electronic requests to have the inquiries, generated by the credit applications, deleted from your personal credit file. ( XX/XX/XXXX, XX/XX/XXXX ) Please allow up to XXXX days for the update to be reflected. '' I am aware Transunion has up to XXXX days to remove these inquiries but they are still inaccurately showing on my credit file as of XX/XX/XXXX, which is past XXXX days. DELETE THESE INQUIRIES IMMEDIATELY. Attached you will find letters confirming this information should be deleted by now.
Consumer complaint received 2023-01-14
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)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (WI)

On XX/XX/XXXX, I opened a Citibank checking account ending in XXXX, and a savings account ending in XXXX. As explained in their " Priority Package '' promotion - opening both a savings and checking account, and depositing {$50000.00} minimum into checking for 60 days would earn a {$700.00} bonus payment. 

I deposited {$50000.00} into my checking account on XX/XX/XXXX - and left it in that account until XX/XX/XXXX - well beyond the 60 day requirement. 

Why did I never receive the {$700.00} promotion payment? 

I tried phone contacting Citi about this on XX/XX/XXXX. After spending an hour of being transferred between multiple representatives, waiting on hold many times, and continually having to verify my identity- no one could answer my question. I gave up. 

Just another example of how Citi gives false misleading information, and cheats customers.
Consumer complaint received 2023-01-14
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. (FL)

I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX CT XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2023-01-14
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. (VA)

I submitted a fraudulent charge affidavit with XXXX credit card company and they failed to address. At the time I had a {$1000.00} credit limit, and they allowed a charge from XXXX in the amount of {$1800.00} and said I need to pay it. The charge was not authorized and at the time the card did not have the credit limit to support the charge. When I submitted a dispute with the credit reporting agency 's Experian, XXXX, XXXX and they failed to investigate and remove the negative item from my consumer report.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-14
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. (NC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-01-14
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. (NC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2021-12-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

At approximately XXXX and XXXX on XX/XX/21 XXXX ( 3 ) unauthorized transactions were made from my Coinbase account from an unauthorized device. Approximately XXXX XXXX and XXXX XXXX were transferred out of my account using and unauthorized device. Immediately after noticing the unauthorized transactions I contacted Coinbase to notify them of the incident and received XXXX # XXXX at approximately XXXX. I tried calling but no one was available to speak and the following day I was able to call but was told that my account was under review and that I would have to wait until my case was reviewed and I would be notified by email. I was able to get access back to my account after several days of failed attempts but I have no received a resolution for my lost crypto currency.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX, XXXX, and Experian are reporting inaccurate information on my report. Per Fair Credit Reporting Act all reporting agencies must have the consumer written permission to report on their behalf. I have not given anyone written permission to report anything on my behalf. I am asking that XXXX XXXX XXXX be removed, All inquiries that do not have an open account attached to it, all of the XXXX accounts, all late or missed payments. Per the FCRA the ONLY person that can report accurate information would be the consumer. Any one else providing any information without written consent is defaming the consumer 's character and causing harm. If written proof can not be provided to me that I gave permission for the things to be reported I would like them to be removed immediately ; along with all addresses, employment, and phone numbers for this puts me at risk for identity theft. and I would not like my information to be breached.
Consumer complaint received 2023-01-14
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)

I am writing to dispute a fraudulent charge on my account in the amount of XXXX XXXX 
I am a victim of identity theft, and I did not make these charges. I request that you remove the fraudulent charges and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account. I also request that you stop reporting this inaccurate information and report the correct information to all of the nationwide credit reporting companies to which you provided it. 
Enclosed is copy of my Identity Theft Report, and account statement showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers of information issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRCs. 
Please investigate this matter and send me a written explanation of your finding and action Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation. Please remove the fraudulent information immediately from my file. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- ACCOUNTS -- 1. XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with balance of XXXX -This is not my account. 
-- OTHER ACCOUNTS -- 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of XXXX -This is not my account. 
I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity. 
Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon.
Consumer complaint received 2023-01-14
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)

I am writing to dispute a fraudulent charge on my account in the amount of XXXX XXXX 
I am a victim of identity theft, and I did not make these charges. I request that you remove the fraudulent charges and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account. I also request that you stop reporting this inaccurate information and report the correct information to all of the nationwide credit reporting companies to which you provided it. 
Enclosed is copy of my Identity Theft Report, and account statement showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers of information issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRCs. 
Please investigate this matter and send me a written explanation of your finding and action Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation. Please remove the fraudulent information immediately from my file. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- ACCOUNTS -- 1. XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with balance of XXXX XXXXThis is not my account. 
-- OTHER ACCOUNTS -- 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of XXXX -This is not my account. 
I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity. 
Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon.
Consumer complaint received 2023-01-15
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. (AZ)

To Whom it may concern : On XX/XX/XXXX I checked my most recent credit report provided by Experian and was surprised to find hard inquiries that I did not recognize nor authorize. For reference please see the inquiries below : XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX I am hereby notifying you that I have never authorized any of the aforementioned companies to access my credit report. Additionally, I have never given Experian my consent to furnish this information. These inquiries on my credit report are a clear violation of my consumer rights under 15 USC 1681b ( c ). 

If you are under the impression that you lawfully furnished this information I am requesting you send me any evidence or proof to support your claim. Otherwise, I am requiring that you immediately remove the aforementioned inquiries from my credit report. 

Thank you for taking the time to read this notice. I look forward to this matter being resolved promptly.
Consumer complaint received 2023-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX Experian XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX Bankruptcy Court Reference # : XXXX XXXX Account : XXXX XXXX XXXX AccountXXXX XXXX XXXX XXXXXXXX XXXX XXXX AccountXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These items NEEDS TO BE REMOVED ASAP AND SEND ME THE MAIL WITHIN 4 BUSINESS DAYS REFLECTING THE REMOVED ITEMS