davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I noticed strange activity while checking XXXX XXXX yesterday, Sunday, XX/XX/2021. I have never missed a payment for any of my cards or accounts, and suddenly my score dropped nearly 70 points from a missed payment on a XXXX XXXX card. I have not used my XXXX  XXXX accounts/ do not have my cards anymore from 4 years prior. I thought it may have been my ex-wife using my accounts, but she said she does not use them either. 

I also received strange text messages to my mobile phone from XXXX XXXX bank stating " Hi XXXX '' then going on to tell me that I missed payments for a car on a XXXX XXXX account and what the account numbers ended in. My name is not XXXX and I have a new phone number than when I was with my wife, so I believe that someone may have used my social security number and used their name. 

I have been getting similar texts since XX/XX/2021, but did not think anything of it as I assumed they had the wrong number. The most recent text I got was from XX/XX/XXXX and XX/XX/XXXX ( today ). 

I discussed the issue with XXXX  XXXX. They closed the account and launched an investigation today, XX/XX/XXXX. I provided my contact information for follow up. They advised me to report this to the CFPB. 

I attached the text messages below.
Consumer complaint received 2021-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XX/XX/XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

Date of Transaction - XX/XX/XXXX Financial Institutions - XXXX through Wells Fargo Bank Amount - two items, totaling {$280.00} XX/XX/XXXX XXXX TO XXXX XXXX ON XX/XX/XXXX REF # XXXX {$280.00} Details Category : Other Outgoing Transfers Made an online purchase - at XXXX XXXX XXXX - I was sent a confirmation email, and then, they requested that I send payment to them through XXXX. The story / rationale they gave me for requesting XXXX was that they were able to hold their prices down by not accepting credit card transactions and paying credit card fees. 

They confirmed receipt of the XXXX transfer / payment, said they would send shipping info within minutes, and then, they disappeared. 

Never received my merchandise, and I can not seem to successfully file a claim through XXXX- The XXXX site keeps asking for a 12-character, alpha-numeric Payment ID, and Wells Fargo hasn't heard of such a thing.
Consumer complaint received 2021-01-03
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, my name is XXXX XXXX. Between XX/XX/XXXX and XX/XX/XXXX I had {$2000.00} stolen from my Bank of America card that I receive my unemployment benefits on. I have filed a police report and I have repeatedly called the bank at least once a week every week since then. Every time I call, they say my claim is still under review for investigation. I called again on XX/XX/XXXX to check on the status of the investigation only to learn that my card was closed and my claim was not under review. When I called before, I was told that my claim was being looked at and investigated. Every time I call, I am told different information. I only receive vague answers and nobody seems eager to help me at all. If there is anything you could do to help me get my stolen money back it would be incredibly appreciated. I do not have enough money for rent and I currently have no money to buy food. I believe there is a zero liability policy for those who become victims of fraud. It is the middle of a pandemic and I am unemployed. I desperately need this stolen money back.
Consumer complaint received 2021-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

Summary : I believe that Equifax is in violation of Federal consumer financial laws. Please require Equifax to timely provide me with copies of my free annual credit report immediately and annually hereinafter without delay or further harassment. And please require Equifax to allow me to request and receive copies of my free annual credit report online rather than requiring me to send my requests in writing. 

Timeline of Facts : XX/XX/XXXX - I tried to request a copy of my free annual credit report from Equifax online. Equifax refused to provide me with a copy online. Equifax 's automated online response to my request was that I could not request a copy of my free credit report online. Equifax did not provide any specific reason as to why not. It stated that I had to send a hardcopy of my request. 

XX/XX/XXXX - I sent to Equifax another request for a copy of my annual credit report. I used Equifax 's Annual Credit Report Request Form ( hardcopy ). I sent the request form with the requested supporting documentation to Equifax by US Mail to Equifax 's listed address which was XXXX. XXXX XXXX, XXXX, GA XXXX. 

XX/XX/XXXX - Approximately 45 days after my initial request for a copy of my annual credit report, I received a letter from Equifax requesting me to submit yet another request with additional supporting documentation in order for me to obtain a copy of my annual credit report. 

XX/XX/XXXX - I sent to Equifax yet another request for a copy of my annual credit report with the requested supporting documentation. I sent the request by US Postal Service letter to Equifax 's listed address which was a different address than was previously provided to me. Now I was being requested to send it to XXXX. XXXX XXXX, XXXX, GA XXXX. Equifax did not provide me with an answer as to why they changed the address or why I could not obtain a copy of my credit report online or why it did not fulfill my prior request for copies of my credit report. 

XX/XX/XXXX - It's now the XXXX XXXX ( XXXX ) and I am am still sitting here waiting for my a copy of my annual free credit report from last year ( XXXX ). Its been approximately 95 days since my initial request, and approximately 48 days from my last request, and I still have no free annual credit report which, by law, Equifax is required to provide me. Not even a timely response from Equifax. Nothing.
Consumer complaint received 2021-01-03
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: Self Financial Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2024-02-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (IL)

I have repeatedly disputed this information with the credit reporting agencies as fraudulent. The debt collector verifies as accurate but when I attempt to contact the debt buyer they cant find any account or collection in my name, social security number, birthday, nothing. Yet they continue to report it to credit reporting agencies as valid. Ive also submitted police and FTC reports which they ignore.
Consumer complaint received 2024-03-20
Product: Credit reporting 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. (MS)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2017-11-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

I used to work with coinbase to buy bitcoins and till now everything worked fine. 
1-2 weeks ago when bitcoin price crashed a bit i wanted to buy some bitcoins fast. 

so like every time i logged in and ordered some bitcoins. 
after the purchase i was asked to verify to speed things up else they would hold the coins for 3 days. Which was strange because i already was verified! 
i tried to verify again ( they asked for driver license ) but on the mobile it did not work and on my pc i have no webcam.. after some tries i got a error message and was logged out. Now i cant login because my account got locked. 

i already tried to contact their support of course but on phone i gave up cause no one i answered for over 30 minutes and via email i got an automated email they are " looking '' at it.. 

i ordered the bitcoins ( worth XXXX ) on XXXX 2017 and so i got not a single response till now! 
i just want my account to be unlocked and send the bitcoins to my wallet..
Consumer complaint received 2020-04-21
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. (IL)

The credit bureau Experian, Equifax XXXX & Transunion has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section XXXX & XXXX. Experian, Equifax, & Transunion has violated my consumer rights by not adhering to the law, XXXX XXXX XXXX XXXX ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an XXXX having authority to administer such oath. Experian, Equifax, XXXX Transunion failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section XXXX ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than XXXX business days after the date of the receipt by such agency of- ( XXXX XXXX appropriate proof of the identity of the consumer ; XXXX XXXX XXXX a copy of an identity thief report ; furthermore, under the FDCPA section XXXX states if the consumer notifies the debt collector in writing within the 30 day period described in subsection XXXX a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection. 



I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from credit profile.
Consumer complaint received 2021-01-03
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: LEXISNEXIS (AZ)

On XX/XX/2020 LexisNexis received my dispute from the U.S. Post Office with a return receipt with signature confirmation concerning multiple errors pertaining to my LexisNexis C.L.U.E . report. 

Since XX/XX/2020 I have waited for over two months for their response and nothing has been rectified since my dispute was delivered. 

It has been over 60 days and LexisNexis had 30 days to respond and the extra 5 business days after completing the investigation to notify me of the results of the disputes. 

There were no extra disputes mailed after XX/XX/2020 which would of made this dispute stretch to 45 days or more. 

Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days. 
if the credit reporting agency does not respond within 30 days they are obligated to remove the disputed record ( s )
Consumer complaint received 2021-01-03
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$0.00}, {$11000.00}, {$5800.00}, {$5300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. 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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (CA)

This claim is fraudulent & illegal and misleading. I did not and never gave them or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DISCOVER the permissible permission to make or host such remarks ( 15 U.S. Code 1592,1681 bc
Consumer complaint received 2021-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I filed a report to Bank of America on XXXX XXXX regarding unauthorized transactions in my checking account. I told them i checked my account and the money that i had was being XXXX to this company called XXXX XXXX XXXX. I have never heard of this company and i didn't even know that you can XXXX to a company, i thought it was for close friends and family. The transactions that were sent as following : 1. XX/XX/2021 {$1200.00} 2. XXXX XXXX {$1000.00} 3. XX/XX/2021 {$1400.00} 4. XX/XX/2021 {$25.00} 5.XXXX XXXX, 2021 {$1500.00} 6. XX/XX/2021 {$2000.00} Total Amount : {$7100.00} I told them and asked them what i need to do, they told me they had filed a claim and will hold my checking account and help me open a new one. We had finished opening a new one and then they told me they will investigate this for 10 days and if still unresolved, they will credit me the money temporarily and have another 45 days to investigate. I recieved their denial letter today which is the 10th day dated XXXX XXXX. Their reason is because the transactions in question were completed using a device that is consistant with previous valid account activity. my claim is closed. 

This is not true since i didn't not do any of these transactions. I don't even know you can zelle to a company and i do not know this company called XXXX XXXX XXXX. I am not sure what to do since i have a strong feeling they do not care about this case and i called 2 times to confirm how my status is, every time they told me they were still pending and investigating the case. I feel like the bank just wanted to deny the claim and its like every protocol for big companies like Bank of America. In addition, the investigation work and response is ridiculous. Of course the person that stole my money would have my password and device ip address to send my money. How they did it? I don't know, but have you question who the recipient is? have the investigator contacted the company? why would i send money to this company called XXXX XXXX XXXX.? What the XXXX would i be buying? where is the reciept? and why would i use zelle to pay for anything? I just find it very ridiculous and it seems like a total Bank of America big coporation response to deny all initial claims. I worked really hard for my money and to have my money stolen from me is beyond outrage.

I want my money back from Bank of America, Please help me resolve this issue with them.
Consumer complaint received 2021-01-03
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. (TX)

XXXX has failed to respond to my repeated attempts to remove a fraudulent account that was placed by XXXX XXXX. I have called numerous times, mailed, and disputed online and they still have not removed the account even though XXXX confirmed it was fraudulent. Since I did not authorize these companies to obtain my credit report I demand that these unauthorized inquiries and XXXX account be removed immediately and my credit score be adjusted accordingly. I am now asking the CFPB to enforce the FCRA as they have violated my rights as a consumer and broke multiple laws.
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I called XXXX XXXX multiple times about follow up on file. I was in the XXXX  for about a month. I tried using the mobile app it did not work and I try calling multiple times I kept getting hung up on. I asked the rep to speak to a manager regarding cfpb complaint they said no one was available.Customer is not helping with my concerns and providing me any type accommodations.XXXX XXXX removed my automatic payment, stop calling me, and the app doesnt work.
Consumer complaint received 2021-01-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlantic Collection Agency, Inc. (DC)

I received XXXX  XXXX from XXXX XXXX XXXX XXXX in the summer of XXXX when I was XXXX. I don't know why this bill, totaling {$240.00}, wasn't paid and why I am now being contacted by collections ( I received notice by mail for the first time on XX/XX/XXXX ). Being that I was XXXX old at the time and could not legally enter into a contract, nor did I have any idea that the bill wasn't paid until I recently pulled my credit score ( it was reported on my credit, but I had never been contacted by a collections agency or given the opportunity to dispute it ), this debt is not mine.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I'm looking forward that the disputed items will be updated and repaired as soon as possible : XXXX XXXX XXXX XXXX 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 XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX