davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-23
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. (OH)

I am a victim of fraud identity theft. They are refusing to even let me access anything they have on file. From what I gather there's credit cards, mortgages and car loans taken out with my social security number for a very long time. I've never had a carloan, credit card, mortgage or what ever else they may have on file. Furthermore they told me my legal name isn't mine. Their telling to send documents I never had that aren't mine. Why would I have them? I actually don't feel safe giving them my information beings they just got caught lying by cfpb and they just had a data breach my social security number was involved in it.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

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 Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number XXXX XXXX Account Name : XXXX  XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2021-12-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XXXX XXXX I have received a response from capital one bank in regards to my vehicle loan. Pursuant to the contractual agreement this company has already received the amount financed on my behalf and this is false and misleading deceptive behavior stating I am at default and will repossess. I have never been given the right to rescind nor was I informed that I do not have the right to rescind. This company has failed to disclose that the finance charge is the sum of all charges and the down payment is included in the finance charge ; 15 USC 1605. There is no cash comparable in a consumer credit transaction. 12 CFR 1026.4 also states The finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. It does not include any charge of a type payable in a comparable cash transaction. This is a direct violation of contract which makes it void and null where no further payments are to be made on a voided contract. I have put down {$8000.00} according to 15 USC 1662 ( 1 ) advertisement of down payment and installment that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor USUALLY and customarily arranges credit payments or installments for that period and in that amount. This company has continue to enforce a billing error on the consumer 12 CFR 1026.13 ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). I am the consumer who am the only blood and flesh living being can validate a debt this is not an OBLIGATION of the consumer to continue to pay and and I am requesting on the disputed account that all payments are returned to the consumer.
Consumer complaint received 2015-03-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (IL)

Experien credit bural never did anything about my complaint, They have me down as past name XXXX XXXX? that has never been my last name I asked them 12 times in 2 yrs to fix it and they refuse. 
They also have me down at XXXX address on XXXX in XXXX ill XXXX and XXXX I never lived their or any address on washtenaw and they refuse to take in correct address off. they also have me at a address in XXXX ill? never live in XXXX and i asked them to take it off. they got mad at me so now they block me from dispputting online.
Consumer complaint received 2022-05-25
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. (MO)

these accounts are in violation of 15 usc 1681 e b- accuracy of a report, states the furnisher/consumer reporting agency is responsible for reporting maximum possible accurate when it comes to a consumer ( me ) report. I sent a dispute letter displaying this information and saying it needs to be removed due to inaccurate reporting of multiple items causing my credit report to not be accurate : payment status, account status, date opened, account #. 
these accounts all have multiple inaccurate information that the bureaus are not be held liable for reporting accurately. 
XXXX, XXXX XXXX XXXX, Original Creditor the unauthorized use of my information under 15 U.S. Code 1602 ( p ), I did not authorize nor do i have actual accounts from these implied cardholders. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- 15 usc 1666 b- timing of payments. 
I sent in as well a dispute letter stating I have never received a statement from them 21 days before I am to pay my statement and on top of that when I did receive it which is usually 5 days before its due if it was to come in a negative form I would've paid it, but it came in a positive form. They reported 4 late payments are not accurate because the bureaus didn't hold the furnisher 's responsible for upholding the laws provided. These were all that I have attempted to resolve multiple times to dispute with the three bureaus and they told me these items were validated even after detailed descriptions of the fcra/fdcpa laws and what my credit report reflected. So that i dont have to continue housing a inaccurate report causing me a great deal of distress, I demand these items be removed from my credit report and I be sent from each bureau an updated credit report reflecting changes made.
Consumer complaint received 2021-12-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (VA)

XXXX XXXX Account # XXXX Per Federal Law based on previous requests for validation this company never properly provided 5 required items accordingly to congress to properly substantiate alleged debt. Furthermore, pursuant to permissible purposes of consumer reports I as the consumer never went into a contractual agreement with Credit Management or gave written correspondence per USC 15 1681b ( a ) ( 2 ) to furnish my information. I currently have an account with XXXX XXXX and was advised that when this account was opened that there was no outstanding debt which allowed me to be able to obtain service with them. No company would allow you to obtain service considering there was an outstanding debt owed. XXXX XXXX providing my personal information without my consent is a violation of my privacy as a consumer. 

Credit Management never provided proper validation of debt which is further violation. In addition to this error being on my consumer credit report I have been denied housing for myself and my family and have lost out on interest rates and funding as a result of this showing on my consumer report WITHOUT my consent. Proper comment coding was never placed on my account to accurately reflect that the account was in dispute and to add insult to injury this deranged collection company has committed identity theft by reflecting my information illegally. Please provide proof of contract between myself and Credit Management and proper validation of said debt. I'm prepared to go to the highest level and have all paperwork regarding his this erroneous reporting and alleged debt has affected myself and my family. Credit Management has countless violations and I will be sending notification directly to the company outlining these as such.
Consumer complaint received 2022-05-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: ADP Inc. (NC)

I have a wisely debit card and my account was hacked on XX/XX/XXXX ( an online clothing store ) & XXXX ( food delivery XXXX XXXX in XXXX XXXXXXXX XXXX ) 2022 after placing a travel notice for XXXX XXXX XXXX XXXX the Wednesday XX/XX/XXXX which I was made to do when in the state of XXXX XXXX attempting to get gas about halfway through the trip. On XX/XX/XXXX, when I noticed the unfamiliar charges I withdrew most of the balance then reported to wisely dispute transaction department and my card was discontinued and I was told to expect my New card in XXXX days. Today is XX/XX/XXXX. I have gone through several attempts to resolve this problem in chats and phone calls. My complaint was never escalated during phone calls as each of the 4 times while on hold for a supervisor my call was disconnected. On the several wisely website chats ( all of which are untrainable ) I was told after requesting to speak to a supervisor that I would be getting a call within 2-4 hours. I never received the calls. Most of the chats were ended while still in discussion about the issue. The individual I spoke with on Sunday the XXXX noticed my new card still wasn't sent and ordered it overnight delivery for {$35.00} which they took out of my account. I still haven't had the disputed unfamiliar charges put back in my account.
Consumer complaint received 2021-12-13
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. (OH)

Between XX/XX/XXXX & XX/XX/2021, I sent all 3 CRA 's a " Personal Information '' dispute letter, requesting the personal information on my credit report be updated ( copy of letter & proof of service attached ). As of today XX/XX/2021, I have not received a response or any update. Because of the inaccurate personal information on my credit report, I believed I might be the victim of Identity Theft, so I filed a FTC ID Theft Report # XXXX ( copy of report attached ) & sent that report to all 3 CRA 's between XX/XX/XXXX & XX/XX/2021 ( copy of letters & proof of service attached ). I received no response or any update to my credit report. I also didn't see any update to my " personal statement '' on my credit report. On XX/XX/2021 all 3 CRA 's received a letter from me stating that I had not received any responses to the multiple requests for reinvestigation or for them to provide their " Methods Of Verification '' ( copy of letter & proof of service attached ). ALL of these failures to respond are violations of my consumer rights under the FCRA. These violations of the FCRA by Equifax, XXXX XXXX XXXX have caused my harm as I am trying to maintain my finances during the COVID pandemic.
Consumer complaint received 2021-12-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc. (CO)

Had issues adding funds from my XXXX account which had more than adequate funding. Coinbase, the recipient, had no customer support available. It is a 24/7 operation. 

Coinbase systems had issues recognizing the added account. It was not visible on user screen. The app and web browsers needed to be cleared and rebooted for the new account to appear. Coinbase uses a third party to accept username and password to the bank the client is adding. Coinbase still retains access to this information. 

The issue was submitted to Coinbase support three times. Reference Cases : XXXX, XXXX, and XXXX. 

Coinbase decided to allow 3 transactions in the total amount of {$610.00} and then returned to this client stating that there was a problem retrieving the funds. Today, XX/XX/2021, they removed monies from my account in excess of expected balance in an attempt to recoup funds that they cound not retrieve from XXXX. Monies could not be transferred into their system to balance the account to their wishes as their failed monetary transfer system failed! They have cost me potentially hundreds of dollars, there is no customer support and cryptocurrency is highly volatile. This client account holder has done absolutely nothing wrong. The systems failed to act according to design which is Coinbase 's responsibility. Coinbase owes me {$700.00}!
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Block, Inc. (NV)

I got notifications on XX/XX/23 that my cash app account was closed for my business. I made a number of calls and chat asking to explain how and why and can I voice my concerns and report a complaint many agents hung up in my face and stated they dont have any information for me but I broke a rule they cant even explain to me and wont allow my account to be open
Consumer complaint received 2020-09-16
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. (MA)

DEAR MANAGER/XXXX! How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX  student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (NE)

I have attempted to rectify several charges with this company, and they do nothing to return my money. Now they close my account, and still have not given the stolen money back. They are a shady company that I have filed numerous disputes with, and they do nothing to resolve it.
Consumer complaint received 2023-06-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (FL)

Been using cash app for years but after allowing my mobile wallet to stack up over a week and to be {$960.00} and then transferred, it froze. The app was still allowing me to receive payments from friends and family but when I went to go make a transfer to a friend on Friday it got denied. I proceeded to try all avenues of transferring to my bank account, other friends, having them getting refunded, I even used the Mobile card on other sites for a transaction and tried to purchase stocks - - all denied. Customers support was no help as they only offered me troubleshooting advice such as good Wi-Fi. After speaking with a representative on the phone they told me a specialist would reach out to my email. After no resolution and dead ends through all points of contact they ended the chat because they had no other support to give. They even suggested it was something on my bank end and after I called my bank they said there were no red flags or any alerts on my bank account. No feature within the app works for me but of course they're still accepting payments from any family member or friend.
Consumer complaint received 2015-09-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IL)

I came to the XXXX organization with the purpose to purchase a home. When my credit was pulled it showed that Experian is reporting accounts that do not belong to me and other names and places of employment that do not correspond to me. I send a dispute letter to Experian and received a letter asking me to provide documentation of addresses and proof of social security number. I emailed them proof of address, my birth certificate and a letter stating that I did not have social security number. I provided my Form XXXX that has my ITIN number. After 4 attempts they kept sending me the same letter. I am frustrated because after providing a sorts of documentation they do not want to remove the accounts from my credit report. I am seeking your help to resolve this issue. 
Thank you,
Consumer complaint received 2020-09-16
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. (AL)

Experian and XXXX  credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine. 

1. XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX. XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX. XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX. XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX. XXXX XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX. XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX Inquiries from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX BANK, XXXX, XXXX XXXX XXXX, and XXXX are all fraudulent and needs to be removed
Consumer complaint received 2019-11-23
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Dobberstein Law Firm, LLC (WI)

They are sending and leaving harassing messages regarding a debt that isn't mine even after a cease and desist was given. They impersonate a lawyer and say they will show up at my place of work and home with legal documents. 
They call my work phone and leave generic harassing messages on the voicemail.
Consumer complaint received 2021-12-13
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. (MA)

I have sent letters to XXXX, Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They removed it on XXXX but they were not able to remove it on EXPERIAN and XXXX. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXXXXXX XXXX XXXXh and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX XXXX XXXX Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( XXXX ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2023-06-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (IN)

On XX/XX/2023, there was an unauthorized charge in the amount of {$1300.00} made on my account from another country. There were also a few other charges from out of the country that I disputed with Cash App that were settled. I believe because of the amount that was charged they are refusing to help me and give me a thorough investigation on this charge. They will not give any supporting details on why they are refusing to help me. I do not feel protected by them as a customer.