davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-08
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. (MT)

Been disputing inaccurate information on credit report for years and attempting to mediate issues with credit bureaus, debt collecting agency 's and creditors. Whenever I've requested investigation results for my disputes into these inaccuracies from any parties, I've been told by the credit bureaus that they are only obligated to verify identifying information ( such as address, ssn and birthday ), therefore nothing will be done to correct inaccuracies because reporting company is providing them with identifying information that matches up with my customer file. Alot of items on my credit report are the result of fraudulent accounts opened in my name and or accounts that have become affected by the damages of identity theft. And I'd like to resolve these issues once and for all.
Consumer complaint received 2021-01-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Dear Madam/Sir, CFPB : I received notification of an unknown credit card that is not mine and does not belongs to me. I wrote to dispute the information as per Federal Laws dictate as a consumer. The Debt collection Company keeps calling me and keeps Harrasing and thretening me. they want me to pay them : $ XXXX..I can not pay something that is not mine and does not belongs to me. I never open NO credit card account with the original institution. This Unknown credit card its not mine. Thank you very much. Respectfully yours. XXXX
Consumer complaint received 2021-01-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (CA)

I have a Coinbase.com account for my Bitcoin. I had a message saying that I owed {$200.00} for a transaction I had done when I just buy and transfer the Bitcoin so any transaction I do the money comes out right away. Even if its wrong or if Im mistaken I dont care about the {$200.00}, which they took out already, I just need to be able to unlock my account. Its been weeks and I need my money to live on I cant pay my bills. I sent dozens of messages and nothing has been done please help. Also I hope my Bitcoin hasnt been frozen bcuz it has gone up significantly and I dont want to not get the profit on my funds bcuz of them locking me out of my account and be unreachable
Consumer complaint received 2024-02-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (LA)

After my account was frozen. I tried to call the number provided by Amex. After my identity is confirmed, I was told the back office has to be involved but back office was not answering the phone. I was put on hold for a very long wait until the line was cut off. The next time I called, I complained about the lack of response from the back office. I was told to leave message for them to call back which I did twice on 2 separate days without response. Finally I was able to get in touch with back office early 9 days ago. I was told it'll take 3-5 days for the funds to be sent back to unfreeze my account. I called 1 week later which was yesterday. I was told it'll be unfrozen today after the funds were transferred back yesterday. My account is still frozen today and the funds were transferred. I called again today and was told a message will be sent to whoever doing the unfreezing with no assurance that it'll be done. I have no access to my my for almost 3 weeks despite my repeated phone calls and their empty promises.
Consumer complaint received 2023-03-03
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. (NJ)

I reviewed my consumer report from XXXX, XXXX XXXX Experian and after reviewing these reports I noticed that the reports were unfair and inaccurate. Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system dependent upon my consumer report being fair and accurate. I was never notified by XXXX, XXXX or Experian when this inaccurate information was furnished, I was never notified that you were going to report this information. Pursuant to 15 USC 1681 ( a ) ( 1 ) This grave error has undermined my confidence in your companies ' procedures and if this information is not removed, I no longer want my information reported in your database.

Pursuant to 15 USC 1681 ( a ) ( 2 ) Your company is powerless elaborate mechanism. This mishap that your company has caused ruined my reputation, and it adversely affected my creditworthiness. Pursuant to 15 USC 1681 ( a ) ( 3 ) Your company assumed this role. You were not given permission by me XXXX XXXX, the consumer or a competent court or jurisdiction to report any information on my consumer report. 
Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. The alleged transactions that you are reporting and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer and the person making the report, which means it should not be included on my consumer report and is in fact a violation of my consumer rights.
Consumer complaint received 2021-01-08
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. (PA)

I am filing a dispute in accordance with the Fair Credit Reporting Act XXXX FCRA XXXX. Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX  XXXX  XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX  XXXX, XXXX 'XXXX  XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2021-01-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (FL)

On XX/XX/XXXX20 I sent a letter to DEBT RECOVERY SOLUTIONS about two accounts that were showing on my credit report that I did not recognize. 

Both accounts have a date opened of XX/XX/XXXX2020 one with a charge of {$690.00} and the other being a charge of {$1000.00}. Since then I have not gotten a response and also sent a follow up letter to them on XX/XX/XXXX20 and still have gotten no response in regard to what this is or what it is for. 

I also reached out to XXXX  about this debt on XX/XX/XXXX20 and a follow up on XX/XX/XXXX20 and they have also not responded.
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

It is very difficult to get to a live person at the three credit bureaus, XXXX, XXXX  and Transunion. Sometimes there is a question that can not be answered using the automated answering system or FAQs. Senior Citizens, especially, have extreme difficulty using the automated phone systems and using online websites. They often just want someone to talk to. There needs to be a straight forward way to achieve this.
Consumer complaint received 2021-01-08
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 was so stress it's almost 60 days now since I've sent my dispute for those unknown and inaccurate account on my credit report but I haven't received any response. I demand to REMOVE immediately those accounts or I will file a litigation.
Consumer complaint received 2021-01-08
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I received the following from the Credit Reporting Agency -- -- - According to the Fair Credit Reporting Act, our role in the dispute process is to review the accuracy and completeness of any disputed item. We review and consider the furnishers or vendors response to determine whether to accept it, reject it, or follow up for additional information. I have complained against Capital One multiple times. Many cards were stolen from my office, used, and then fraudulent payments were made to allow continued charging to exceed the credit limit. My credit limit was {$2500.00} / {$2200.00} on two cards and MY balance was approx. {$2000.00} on each card as of XX/XX/XXXX. I do not have nor received the information on card ending in XXXX. Cards were stolen sometime first of XXXX. I filed attached sheriffs report in XXXX and then had XXXX of water from Hurricane XXXX after the XXXX tax day flood of XXXX. I was having payments scheduled at the first of the month to be paid on statements due date when I received my paper statements. Then mail was stolen from my rural mailbox. I was not using the cards but paying off after XXXX and two floods. All charges starting XX/XX/XXXX were not mine. There were fraudulent payments on card ending XXXX that started on XXXX of {$2200.00} and returned the same day, on XXXX of {$3300.00} and returned the same day, on XXXX of {$4800.00} and returned on the same day. See attached statements. {$10000.00} of bogus payments within two month ON JUST ONE OF THE CARDS and not do anything???????!!!!!! Two months of FRAUD returned payments and they didnt contact me??!! Capital One should have been alerted on XXXX and contacted me then. I had asked for the payment methods used to make the fraudulent payments and Capital One denied the request. XXXX of fraud payments in two months ON JUST ONE OF THE CARDS and then cancel an account????!!! I should have been contacted at the least and especially for the over-the-limit transactions. But Capital One did nothing and sees no fraud?? I had good credit and was faithfully making my payments because I didnt have {$10000.00} laying around to pay it off. Now Capital One holds me responsible because they dont have a modern system to alert them. To exacerbate the problem, Capital One concluded the fraud investigation after closing the account, after charging off, after selling debt of one card AND THEN LOWERED THE AMOUNT DUE!
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NM)

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.

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 2021-01-08
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. (TX)

I received the following from the Credit Reporting Agency -- -- - According to the Fair Credit Reporting Act, our role in the dispute process is to review the accuracy and completeness of any disputed item. We review and consider the furnishers or vendors response to determine whether to accept it, reject it, or follow up for additional information. I have complained against XXXX XXXX multiple times. Many cards were stolen from my office, used, and then fraudulent payments were made to allow continued charging to exceed the credit limit. My credit limit was {$2500.00} / {$2200.00} on two cards and MY balance was approx. {$2000.00} on each card as of XX/XX/XXXX. I do not have nor received the information on card ending in XXXX. Cards were stolen sometime first of XXXX. I filed attached sheriffs report in XXXX and then had 32 of water from XXXX XXXX after the XXXX tax day flood of 8. I was having payments scheduled at the first of the month to be paid on statements due date when I received my paper statements. Then mail was stolen from my rural mailbox. I was not using the cards but paying off after XXXX and two floods. All charges starting XX/XX/XXXX were not mine. There were fraudulent payments on card ending XXXX that started on XXXX of {$2200.00} and returned the same day, on XXXX of {$3300.00} and returned the same day, on XXXX of {$4800.00} and returned on the same day. See attached statements. {$10000.00} of bogus payments within two month ON JUST ONE OF THE CARDS and not do anything???????!!!!!! Two months of FRAUD returned payments and they didnt contact me??!! XXXX XXXX should have been alerted on XXXX and contacted me then. I had asked for the payment methods used to make the fraudulent payments and XXXX XXXX denied the request. XXXX of fraud payments in two months ON JUST ONE OF THE CARDS and then cancel an account????!!! I should have been contacted at the least and especially for the over-the-limit transactions. But XXXX XXXX did nothing and sees no fraud?? I had good credit and was faithfully making my payments because I didnt have {$10000.00} laying around to pay it off. Now XXXX XXXX holds me responsible because they dont have a modern system to alert them. To exacerbate the problem, XXXX XXXX concluded the fraud investigation after closing the account, after charging off, after selling debt of one card AND THEN LOWERED THE AMOUNT DUE!
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-10-17
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. (NV)

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 : # 1234, Account name : # 1234, Account name : # 1234, Account name : # 1234, 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. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX account date XXXX XXXX XXXX XXXX XXXX XXXX - account, date XXXX XXXX XXXX XXXX XXXX XXXX- account # XXXX account date XXXX balance amount XXXX XXXX XXXX XXXX XXXX XXXX date XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX date XXXX balance amount XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX account date XXXX, account balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, account XXXX XXXX account date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account date XXXX account balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX account date XXXX, account XXXX XXXX account balance XXXX closed XXXX XXXX XXXX XXXX account balance XXXX account date XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account date XXXX account balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX account balance XXXX XXXX XXXX XXXX account date XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account dateXXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account date XXXX XXXX XXXX account balance XXXX account XXXX XXXX XXXX XXXX XXXX XXXX, account date XXXX XXXX account balance XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account date XXXX XXXX, account balance XXXX XXXX XXXX XXXX XXXX XXXX account date XXXX XXXX XXXX XXXX account balance XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account date XXXX XXXX XXXX account balance XXXX account XXXX XXXX XXXX XXXX XXXX account date XXXX XXXX XXXX XXXX account balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account
Consumer complaint received 2021-01-08
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. (AL)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2021-01-08
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: CAINE & WEINER COMPANY, INC. (WI)

I have filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-01-08
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. (CA)

I have a discharged/dismissed Bankruptcy on my credit report that I have tried to dispute with the bureaus to remove since it no longer legally exists ; this item can't be verified with the courts and is only verified via public record with XXXX XXXX. I want this item removed immediately. My first dispute I mailed on XX/XX/XXXX then another one on XX/XX/XXXX. Today is XX/XX/XXXX and no bureau has supplied me any proof or documentation that this is valid, and since it can only be verified via PUBLIC RECORD it is not a valid account!
Consumer complaint received 2021-01-08
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. (AL)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2021-01-08
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: Experian Information Solutions Inc. (CA)

I have a discharged/dismissed Bankruptcy on my credit report that I have tried to dispute with the bureaus to remove since it no longer legally exists ; this item can't be verified with the courts and is only verified via public record with XXXX XXXX. I want this item removed immediately. My first dispute I mailed on XX/XX/XXXX then another one on XX/XX/XXXX. Today is XX/XX/XXXX and no bureau has supplied me any proof or documentation that this is valid, and since it can only be verified via PUBLIC RECORD it is not a valid account!