davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-03
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. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX/XXXX  XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Coinbase, Inc. (CA)

I contacted Coinbase regarding unauthorized transactions made on my debit card on XX/XX/2022. On XX/XX/2022 I received several emails from Coinbase regarding the unauthorized transactions that stated my claim wasn't going to be processed because the transactions were past the time limit. They stated that I only had 60 days from when the transactions were made to report the fraudulent activity and submit a claim. I called customer service regarding their response and informed them that I was hospitalized twice following these transactions being made on my account, which prevented me from contacting them within that time frame. I also informed them that I never received any statement from them showing me the transactions on my account. I also informed them that my mobile device had been stolen, so I never reviewed my account or saw the unauthorized transactions prior to contacting them. I informed the representative that I would provide my doctor 's notes that I received from the hospital when I was XXXX which detailed the dates of my hospitalization. The representative stated that she was submitting an escalation regarding this and stated that someone would contact me via email. I never received any email regarding the escalation. According to Regulation E, when reporting account errors, a institution must provide addition time to the consumer if extenuating circumstances prevent them from reporting the errors within the specified timeframe. My hospitalizations were extenuating circumstances, therefore Coinbase should have taken this into consideration and extended the timeframe for me to report the unauthorized transactions made with my debit card. Regulation E 1005.6 ( b ) ( 3 ) ( 4 ) Extension of time limits. If the consumer 's delay in notifying the financial institution was due to extenuating circumstances, the institution shall extend the times specified above to a reasonable period.
Consumer complaint received 2022-04-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: M&T BANK CORPORATION (MD)

M & T BANK is refusing to give me the title to my vehicle to which has been refinanced with another institution as of XX/XX/XXXX of XXXX as of today XX/XX/XXXX of XXXX to the other institutions store does not have their vehicle title in their possession and this vehicle has been paid off by the other institution since XX/XX/XXXX this is illegal in the state of Maryland that two institutions are not able to be financing one vehicle
Consumer complaint received 2024-02-19
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. (OH)

My purse was stolen from the restroom of the XXXX XXXX XXXX. My ID, SSN card, Debit Card, XXXXbrary Cards etc were inside. My information was also included in the XXXX data breach. My information is out there on the dark web as a result of this. 
The dates are ranging from XXXX to current. I agreed to work with Law enforcement. I have requested that the false accounts be removed, however these accounts are still present.
Consumer complaint received 2022-06-02
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. (CA)

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 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. 

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 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. 

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 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. 

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 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. 

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 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. 

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 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. 

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 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.
Consumer complaint received 2022-04-15
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)

Our XXXX XXXX XXXX changed banks. There have been two issues of someone trying to steal our identity during the changeover. The new bank, XXXX XXXX, is of no help. They can not seem to do anything right. I closed down the account immediately and the fraudulent charges were stopped in time. However, I discovered through my XXXX XXXX that XXXX XXXX reported to the credit bureaus that my address had changed. I spoke with Experian ( where the change alerted XXXX XXXX ) and got my credit account and information frozen. However, this fraudulent address is now showing on my credit report. It is not my address. I have not moved. This person apparently tried to have my address changed. XXXX XXXX will not help me fix this. I want this fraudulent address erased from my credit report. How do I do this?
Consumer complaint received 2022-12-18
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-06-02
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. (CA)

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 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. 

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 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. 

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 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. 

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 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. 

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 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. 

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 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. 

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 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.
Consumer complaint received 2022-04-15
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. (TX)

Our XXXX XXXX XXXX changed banks. There have been two issues of someone trying to steal our identity during the changeover. The new bank, XXXX XXXX, is of no help. They can not seem to do anything right. I closed down the account immediately and the fraudulent charges were stopped in time. However, I discovered through my XXXX XXXX that XXXX XXXX reported to the credit bureaus that my address had changed. I spoke with XXXX ( where the change alerted XXXX XXXX ) and got my credit account and information frozen. However, this fraudulent address is now showing on my credit report. It is not my address. I have not moved. This person apparently tried to have my address changed. XXXX XXXX will not help me fix this. I want this fraudulent address erased from my credit report. How do I do this?
Consumer complaint received 2024-02-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: Nelnet, Inc. (MA)

I applied for the co-signer release last year after I had made more than 24 consecutive payments on tim ( thats what they require to release the co-signer ). They denied saying that I did not meet the income and credit requirements. I make $ XXXX a MONTH gross income from the US military ( evidenced by tax returns and W2s ) and have residual rental income, and a credit score of XXXX plus. If they are denying my request they need to give the specifics. My co-signer makes 5 times less AND has the same credit score. She cant buy a house now because they are refusing to release her and YOU, the United States government is failing to hold these banks accountable.
Consumer complaint received 2024-04-03
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. (DC)

On XXXX a fraud alert/a frozen file was place on my Experian credit report and file, as I am a victim of ID theft. There is specific instruction to contact me before releasing my information. Experian has chosen to forgo federal regulations and shared my credit report with the following finance companies without my consent : XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 -XXXX XXXX XX/XX/2024 -XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XXXX  XX/XX/2024 XXXX XXXX XXXX  XX/XX/2024 -XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX  XX/XX/2024 ( not an error ) XXXX XXXXXXXX  XX/XX/2024 -XXXX XXXX  XX/XX/2024 Moments later I received an email stating my credit report was unfrozen and XXXX XX/XX/2024 I received another email from Experian stating that it is frozen again. I have not authorized any other these transactions. 

I called Experian on XX/XX/2024 and a representative confirmed that these hard inquiries were made. I asked for the Legal Department, I was placed on hold for XXXX minutes then hung up on.
Consumer complaint received 2022-04-15
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)

Our XXXX XXXX XXXX changed banks. There have been two issues of someone trying to steal our identity during the changeover. The new bank, XXXX XXXX, is of no help. They can not seem to do anything right. I closed down the account immediately and the fraudulent charges were stopped in time. However, I discovered through my XXXX XXXX  that XXXX XXXX reported to the credit bureaus that my address had changed. I spoke with XXXX ( where the change alerted XXXX XXXX XXXX and got my credit account and information frozen. However, this fraudulent address is now showing on my credit report. It is not my address. I have not moved. This person apparently tried to have my address changed. XXXX XXXX will not help me fix this. I want this fraudulent address erased from my credit report. How do I do this?
Consumer complaint received 2022-04-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Management Control, Inc. (TX)

Keep calling in an attempt to get this paid and corrected but can not get in touch with company. Keep getting busy call back messages. They reported this debt on my credit and Im trying to reach them to pay this off and get it off my credit.
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX  acct # XXXX, XXXX XXXX XXXX acct # XXXX, Bank XXXX XXXX acct # XXXX, also XXXX XXXX XXXX XXXX 30 day late payment, and XXXX XXXX XXXX XXXX and 120 day late payments has violated my rights. 

15 U.S.C. 1681 section 602 A. It also 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 an account withiut my written instructions.
Consumer complaint received 2022-12-18
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. (CA)

On XX/XX/2022, I noticed on my Experian Credit Report that there were information that is just inaccurate. The number is just way off what it needs to be, and it changes daily which is suspicious. I have addresses on accounts I never knew existed, and have never lived at. I have numbers on there that are not mine! These changes have been going on for a month, and have not stopped. I have tried reaching out to Experian in order to investigate this, and put a stop to it via their website. I get a refusal from their customer support agent instead, saying that they do not handle such information and another party does. I have not authorized such sharing of information with another party! This is ridiculous! When I signed up on Experian web site, I checked a box that tells me they respect my privacy. Being notified of that, now my information is exposed. I now have a 30 day late payment, 60 day late payment, other negatives that belong to someone else. This is a serious problem, and is improper. This is costing me ( {$600.00} ) a month just dealing with these inaccuracies on my credit report. 

XXXX has information that is not correct as well. Disputed this on the web site, only to get the same result. I received an auto reply from XXXX, and was told they are not receiving any more emails at the time, which I found highly confusing, because they are open and online a lot of the time, so I could not even get through to them. On my credit report, XXXX and XXXX information are certainly not the same as Experian, and do not make sense. I am unauthorized on all three on the accounts, and having all this deceptive information is not okay. They are continuing to share my information, and they are continuing their deceptive practices. 

This is a violation of my right to privacy according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

I also did not give consent for my data to be shared, nor do I want it shared. According to 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions. 
I attempted reaching out to all three credit places about this, Experian, XXXX, and XXXX, only to receive no help. So I am writing to you about this. My credit report is attached for reference. This is damaging my credit, hurting my finances, and causing me stress.
Consumer complaint received 2019-08-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: J J Marshall & Associates, Inc (MI)

J.J Marshall & Associates Co., Inc. Is attempting to collect on a debt that has already been tried to paid by the insurance company but they refuse to take the money and now reposted it under my own personal credit report. I have attempted to communicate with them via certified mail to clarify and verify this debt and they have failed to do so within the required 30 days.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank Of America failed to provide proof that I was provided an opportunity \to opt out of credit reporting under 15 USC 6802 prior to entering into the contract. Failure to provide full disclosure constitutes as fraudulent inducement into the contract and the contract is now voidable. Bank of America failed to even address this concern and failed to validate the debt owed by not providing me with the original contract with my wet ink signature. 
Bank of America Breached the Contract and is now liable for punitive and actual damages.
Consumer complaint received 2022-12-18
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 act XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681section 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.
Consumer complaint received 2020-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/19 I purchased an item from an online vendor for {$100.00} on my American Express. The goods were listed as in stock. The following day I received an email from the vendor stating the goods were on backorder for approximately 9 weeks. I sent follow-up emails on XX/XX/19 and XX/XX/19 to the vendor and didn't hear back. I requested to cancel the purchase and still didn't hear back from the vendor. I initiated a dispute via American Express. The dispute was rejected because I didn't dispute the charge within 60 days ( the customer service representative said 60 days was " international law '' ), despite me showing proof the vendor requested additional time for a backordered product. So basically, I'm being forced to pay for a product that was never received and my credit card company won't back me despite getting no contact from the vendor.
Consumer complaint received 2024-02-17
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: Experian Information Solutions Inc. (GA)

On or about XX/XX/2024 I had checked my consumer report and noticed a fraudulent collection account being reported to XXXX and XXXX on that same report from XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ). I have no Idea what this account is and I have never signed up for or taking any classes at that institution. in addition I would like to say that I am not known as XXXX XXXX, XXXX XXXX or XXXX XXXX. My name is XXXX XXXX and that is what is shown on my state issued ID and drivers license. On my consumer report from Experian there are several inquiries that I am unfamiliar with and that I am certain that I did not authorize. I have disputed this information with them previously but Experian refused to remove the items. These inquiries are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX