davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-20
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. (FL)

Experian has violated my right under the FCR, FTC and Fair credit and billing act by inaccurate reporting on my Experian credit report. 

DISPUTED ACCOUNT XXXX XXXX XXXX {$18000.00} Account numberXXXX Closed ( For your reference this case has been closed so why is it still on my credit report. Because of this inaccurate reporting you have hampered my financial future in obtaining financial readiness. Please delete this immediately. ) As a father, I take this seriously. My child is XXXX yrs of age and I am still paying {$200.00} per month to help my children. By law I know all information on the credit report must be 100 % accurate, with no errors and must be verifiable. I know these information are not correct. Please delete this immediately. I am currently working with CFPB to request their assistance in this matter. 
I wish to see the original sources of the information reported including, but not limited to, the original contract or agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. 

I have requested the credit bureau to correct their mistake. Please see attached letter.
Consumer complaint received 2021-11-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

On XX/XX/2021, I recieved a complete transaction of {$5000.00} from a XXXX bank to my COINBASE account, do note that this money is meant for my XXXX  daughters hospital bills, I immediately noticed that another person was accessing my COINBASE account so I tried to change my email but It didnt work, I noticed someone has changed my COINBASE emails password and all form of recovery so I immediately contacted COINBASE and asked them to have the account Locked which they said they did, they also assured me that my money was safe inside and no one can access it since the account is already locked, I kept calling from day to day trying to make them understand that the money is for hospital bills, they asked me to open a new account with a new email and they will have my funds transferred, I opened the new COINBASE account and completed the verification process, I called them for 1week to have my funds transferred then they put me through another rigorous verification which included a Life selfie photo with the front/back of my ID and they asked me to hold a paper with the exact date that wrote For COINBASE verification I did all these even tho it was so stressful, they kept rejecting and rejecting saying the ID is blurry or giving one excuse or another, I managed to take the exact picture and sent two just to satisfy them, after the verification they didnt message me again for long and I kept calling their team until I got a message yesterday saying all my funds has been transferred, I logged into my account and saw {$10.00} deposit from coinbase, I emailed them and told them that my money is {$5000.00} and shouldnt be {$300.00} less even if bitcoin fluctuates, they didnt reply me, I kept calling and their team kept telling me they will get back to me only to keep sending me automated messages, Im so fustrated right now and my daughters life is at risk
Consumer complaint received 2021-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (AR)

finally have XXXX concerns blocking my online dispute system XXXX still reporting illinois XXXX XXXX XXXX as a collection account and update address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ar XXXX
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

I have reported several times identity theft of my social security card and identification card. Someone has been using my identity.

15 USC 1681 section 602 A States I have a right to privacy. 15USC 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containg any of the following items of the information, any ther adverse item of information other than records of convictions of crime which antidates the report by more than seven years. 15USC 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 2022-05-23
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CarMax, Inc. (TX)

On XX/XX/XXXX I wrote to Carmax Auto Finance regarding a " Charge-Off '' account listed on the three ( XXXX ) credit bureaus. I requested " Validation '' on the balance being list of {$9100.00}. ( see attached letter ) On XX/XX/XXXX I received a response from Carmax providing me with a two page " Retail Install Contract '' and a two page payment history. 
I then wrote to Carmax again on XX/XX/XXXX indicating that what they sent me was not indentifiable to me. I informed them about the signature on the contract they'd sent was questionable. 
They then responsed back to me on XX/XX/XXXX that they had already provided the validation and did not acknowledge what I had questioned based on what they had sent to me. 
When I reviewed their response I then reviewed their contract and the payment history once again and pulled my credit file and noticed that they had changed the balance of the " Charge-off '' balance on the account from {$9100.00} to {$10000.00} from their last response to me. 
They had also reported a payment on the payment history that they provided me on XX/XX/XXXX, which I never made. I'm questioning their validity of this account and asking why are they making changes on this account and placed inaccurate payments that were never submitted by me.
Consumer complaint received 2021-11-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: REGIONS FINANCIAL CORPORATION (GA)

I believe that I am a victim of fraud and/or identity theft. For the past XXXX years, the thieves have made my life a living nightmare. Performing 'normaXXXX ' financial activities have been an uphill battle and I am writing to dispute the following items on my credit report maintained at your bureau. 
Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or someone pretending to be me. I never authorized, used, or benefited from these accounts or transactions in any way. 
Please validate this information with Regions Bank and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number. 
Please delete any reference from Regions Bank Missouri Attached is a police report, social security card, drivers license, and completed ID theft affidavit. 
Please delete the disputed items from my credit report within four ( XXXX ) days as required by the Fair Credit Reporting Act copied here below for your reference : 605B. Block of information resulting from identity theft [ 15 U.S.C. 168c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as infor-mation that resulted from an alleged identity theft, not later than XXXX business days after the date of the receipt by such agency.
Consumer complaint received 2021-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

XX/XX/XXXX I needed to remove a credit freeze from XXXX credit reporting to finance a leased car. I attempted to use the pin they provided in XXXX when i froze credit checks and there is nothing on their web site allowing me to unfreeze. i filled out all my personal info ( address, social sec #, bday, etc. and still got nowhere when i tried clicking on relevant buttons got no reaction. 

I then tried to call and went through three long verbal ads and tried to dial XXXX  for help but ads kept coming. unreasonably difficult to reach customer service and remove freeze. 

I am furious that an entity that tracks my life can do so with impunity and providing me very difficult ( i couldn't fix credit freeze ) path to cusotmer service. they only focus on selling fee for service and could care less about impact on non-paying people they collect and report information on. 

I think they should be forced to make it easier to correct problems on their data bases. 
Would never recommend or pay for anything XXXX provides. They are one of the worst companies i've run acress in my XXXX  years.
Consumer complaint received 2021-11-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Conn's, Inc. (TX)

On XX/XX/21 I made a purchase of electronics and furniture at XXXX 's XXXX. The purchase was financed through Conn 's Credit Corporation IncXXXX and included a Pac-Man Legacy video arcade game for {$640.00} and 6 dining room chairs for {$140.00} per chair, plus a delivery charge of {$140.00}. The finance agreement also included an insurance policy which I was told was required but could be canceled with proof of homeowners insurance. I was able to pick the arcade game up from the XXXX 's warehouse that same day. The store promised to deliver the XXXX dining chairs the next day on XX/XX/21. The items were not delivered as promised and so I returned to the store on XX/XX/21 and requested a refund for the dining chairs. In addition, I requested a price match guarantee credit for the video arcade game and provided proof of homeowner 's insurance policy and requested cancelation of the XXXX 's insurance coverage. The store provided an invoice with a credit of {$210.00} for the price match guarantee and credit of {$1000.00} for the dining chairs. I was advised by the store XXXX, XXXX that I would receive a new payment schedule in approximately 30 days. I received the revised payment schedule reflecting monthly payment amount of {$28.00} as well as proposed life and disability insurance documents issued by XXXX XXXX XXXX XXXX XXXX of Florida with proposed premium in the amount of $ XXXX.I did not request nor approve life and disability coverage.
Consumer complaint received 2022-05-23
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)

In accordance with the fair credit reporting act XXXX Account # XXXX, have violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A States Section 2 : It also states a consumer reporting agency can not furnish without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-11-20
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: TRUIST FINANCIAL CORPORATION (NY)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2021-11-20
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: VW Credit, Inc (NY)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all XXXX credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX Account Number : [ XXXX Reason : [ NEED REMOVE AND HARD INQUIRY ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX
Consumer complaint received 2022-05-23
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. (GA)

In accordance with the fair credit reporting act XXXX Account # XXXX, have violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A States Section 2 : It also states a consumer reporting agency can not furnish without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-11-20
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)

Experian is exasperating and plays the attorney games like the politicians in XXXX. After XXXX years, Experian has yet to give me a direct answer why they accessed my credit report on XX/XX/2017 without permissible permission and forwarded my report to XXXX XXXX XXXX XXXX. Experian passes the buck to a dead end or ignores or by labeling complaints as duplicate or giving a very nice and sweet reply that says and does nothing. Experian is a large profitable company but yet a troubled teenage child who can't speak direct.
Consumer complaint received 2024-02-17
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. (MO)

On XXXX XXXX I sent a letter to Experian disputing a bankruptcy showing on my credit report. They responded with a letter stating that its was " verified '' this item through XXXX XXXX. I went directly to XXXX XXXX to dispute the item in question and XXXX XXXX could not verify this item so they deleted it from their database. I also went directly to the courthouse XXXX XXXX and asked do they verify with any credit agency they responded with a letter XXXX XXXX with a letter stating they do not report to any agency I then went back to Experian on XXXX XXXX and showed them the deleted bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete this item which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. This item needs to be deleted from my credit report if it can not be verified within 30 days.
Consumer complaint received 2024-03-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC (WA)

- [ ] Carrington - [ ] Loan # XXXX - [ ] XXXX faxed mortgage assistance application for second time ( same application ) - [ ] XXXX notified by Carrington they needed a copy of award letter to complete application - [ ] XXXX Standard for award letter by email - [ ] XXXX Called the Standard and verbally requested award letter ( letter was asked for on Friday of a XXXX holiday weekend, The Standard wasnt open until XXXX  ). 
- [ ] XXXX Received copy of award letter by email - [ ] XXXX printed and faxed copy of award letter - [ ] XXXX Carrington called stating they havent received fax, but I have a fax confirmation page from XXXX - [ ] XXXX Received XXXX from Carrington Mortgage Services - [ ] First letter says they did receive the letter sent on XXXX but application remains incomplete ( application is exactly the same with updated paystubs ) - [ ] XXXX letter is denying my XX/XX/XXXX appeal letter. 
- [ ] As of XXXX the same application has been faxed 3 times. Just to fax my application is over {$30.00} at th XXXX store, plus cab fare. 
- [ ] XXXX Called Carrington to find out what they are missing. They now want a new paystub even though they have XXXX paystubs faxed on XXXX and an income award letter faxed XXXX - [ ] I faxed XXXX paystubs XXXX - [ ] XXXX received email to call Carrington, called Carrington and now they want his XXXX or his taxes, to prove his income, but I sent his taxes, income verification letter, and several months paystubs. I got run around when calling Carrington.
Consumer complaint received 2022-05-23
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. (GA)

in accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have a right to privacy 15 U.S.C section 604 section 2 : it also states a consumer report can not furnish an account without my written instructions
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a 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 XXXX 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 2023-10-15
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. (MO)

I have been trying to dispute the {$390.00} for over a year now with multiple disputes. I have not received any items from this company. I have asked the company if they can provide me with the tracking number so that I track or see if the item was delivered. XXXX XXXX XXXX has refused to give me any information so I could dispute it with credit bureaus. This company has also added this on my credit report without notice.
Consumer complaint received 2023-02-21
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. (TX)

I was a victim of a SSN breach in which a fraudster opened up multiple fraudulent accounts using my SSN with numerous creditors including : XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. They then went delinquent on all of the accounts and my credit score was destroyed. The fraud occurred in XX/XX/2022. The only lead I have is that the address for the XXXX XXXX account was XXXX XXXX XXXX XXXX XXXX, TX XXXX and it was started on XX/XX/2022.
Consumer complaint received 2021-11-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Credit Card Receivables Fund Incorporated (AR)

XXXX sold debt to unifund ccr and has colluted with XXXX XXXX and still is reporting om my XXXX credit report this account is XXXX ols and transunion is blocking access for updates
Consumer complaint received 2021-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately. 
Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX