davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-01
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX Balance : {$0.00}
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: EQUIFAX, INC. (KY)

XXXX XXXX XXXX XXXX XXXX XXXX date open XX/XX/XXXX balance {$6400.00} I'm not aware of this account I've tried to take it off and it has not been removed Account : XXXX XXXX  XXXX XXXX date open XX/XX/XXXX balance XXXX not aware of this account and I've tried to have it removed and disputed but it has not been taken off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date open XX/XX/XXXX balance XXXX Had it account removed but it's still on my cXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date open XX/XX/XXXX balance {$1500.00} not aware of this account and I've had it removed and it's still on my credit
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX # XXXX is reporting a late I do not owe. My account is on auto payment and I know it was paid that month. This late is added in error and is inaccurate and should not be there.
Consumer complaint received 2019-07-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (VA)

On XXXX XX/XX/2019, I submitted a support ticket to Coinbase requesting my 2 Factor authentication be removed in order to allow me to access my account. I requested this service due to the fact I broke my phone and lost access to the XXXX XXXX XXXX on my phone. For awareness, 2FA allows for an additional layer of security to be implemented on many accounts. 

I received a reply on XXXX XX/XX/2019 @ XXXX EST requesting that create a new account in order to verify my identity and phone number. I complied with the request and submitted all the documentation. I was fully verified by XXXX EST on the same day. 

I currently possess XXXX Bitcoin currently store on Coinbase, which as of writing is valued at {XXXX}. I am unable to access my account and $ $ $ due to Coinbase not removing my 2FA as  requested. I attempted to contact customer support via XXXX and the automated service hung up on me immediately after stating " all representatives are busy and to submit a ticket online. '' This company is growing to provide adequate customer service. This is a financial institution regardless of anyones feelings of cryptocurrency. They transfer hundreds of thousands of dollars an hour in and out through different mediums. This is unnacceptable. 

A simple search will demonstrate this company has hundreds, if not thousands of complaints of month/s long tickets not being processed. Money lost to investors and a complete disregard for the well being of their customers. 

I would like my case looked into and resolved, I am sure I am not the only one. 

My ticket number is XXXX. 

I have gone as far as creating new tickets with the previously listed number as the titled issue. They simply cancelled the new tickets.
Consumer complaint received 2022-06-01
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. (LA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$220.00}
Consumer complaint received 2022-06-01
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. (LA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was datedXX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX   XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$220.00}
Consumer complaint received 2022-06-01
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. (NJ)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$7300.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$150.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$170.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Consumer complaint received 2022-06-01
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. (NC)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to delete these pieces of questionable information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-06-01
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. (KY)

In accordance with the Fair Credit Reporting act XXXX  for the following accounts : Account # XXXX, Account # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX KY ), Account # XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ), Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX, Account # XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 without my written instructions.
Consumer complaint received 2022-06-01
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. (LA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$220.00}
Consumer complaint received 2022-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (GA)

Already reported previously to Discover bank back in 2020 after it happened and nothing was done. Went to the SSA OIG and reported crimininal theft of over {$20000.00} of my SSDI and SSI backpay from two separate ACH wire transactions from the perpatrator to herself and her mother. Unauthorized access via telephone to my Discover Online Checking and Savings accounts. This perpatrator is a XXXX year old female licensed GA XXXX whom conned me into believing that we were married based of a marriage license to gain health insurance benefits, fraudulently cashed and stole out of my mailbox, forged her signature on my stimulus checks, cashed them and only way i found out was through the IRS doing a skip trace then only to further add insult received a photocopy from thr IRS of one of my stimulus checks forged by the same women whom illegally, criminally, maliciously and fraudulently stole over $ XXXX in two separate ACH wire transactions while Discover Bank didnt do anything to help me when i reported it to them in 2020. Ive gone to the FTC, SSA OIG and adult protective services and filed criminial complaints against this woman for doing this to me and nobody bothered to follow up or care. Im a XXXXXXXX XXXX XXXX veteran and desperately need your help!
Consumer complaint received 2022-06-01
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. (CA)

Despite the multiple written letters and submitted complaints, the Credit reporting agencies have failed to comply with the Fair Credit Reporting Act section 605b and continued reporting erroneous information on my Credit File that resulted from the Identity Theft. It has been drawn out into the open that the Credit Reporting Agencies are not blocking files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the Credit Bureaus decide to not obstruct the accompanying things recorded beneath which are reporting erroneously because of fraud, I will hand my records over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate action so if it's not too much trouble, comply with the law. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX Balance Owed : {$370.00} ; XXXX XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; and XXXX XXXX XXXX XXXX XXXX : {$920.00}.
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This letter is formal notice that Credit Bureau has failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date. 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. 
The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. This does not belong to me. 
XXXX XXXX XXXX Please remove it from my credit report. 
Please note, that you only one Bureau who has reported this negative account on my report. 
Personal information is wrong : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I never lived at this address, please remove immediately! 
The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

GXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$6400.00} I'm not aware of this account I've tried to take it off and it has not been removed Account : XXXX XXXX XXXXXXXX XXXX date open XX/XX/XXXX balance XXXX not aware of this account and I've tried to have it removed and disputed but it has not been taken off XXXX XXXX XXXX XXXXs account number XXXX XXXX date open XX/XX/XXXX balance zero Had it account removed but it's still on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date open XX/XX/XXXX balance {$1500.00} not aware of this account and I've had it removed and it's still on my credit
Consumer complaint received 2022-12-18
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. (IA)

The following accounts are incorrect, and they are adversely affecting my livelihood. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-08
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: EQUIFAX, INC. (GA)

I sent a dispute letter to the consumer reporting agency on XX/XX/2022. 
Regarding a few inaccurate marks on my report. They are reporting late payments and also a charge-off and according to Federal Law : 15 USC 1681 a ( i ) which states that consumer reports should NOT include transactions or experiences between the consumer and the person making the report I explained this in my dispute and the violation was not corrected. 

This account has also been charged off and according to IRS publication, XXXX charge-offs are considered income and income shouldn't be reported on your credit report. 

I would like for this account to be removed from my report immediately.
Consumer complaint received 2024-03-20
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. (TN)

Dear Sir/Madam, I am writing to file a formal complaint regarding the inaccurate reporting of a repossession on my credit report by Equifax. My name is XXXX XXXX and I am deeply concerned about the negative impact this erroneous information is having on my creditworthiness. 

Upon reviewing my credit report, I discovered that Equifax has listed a repossession from XXXX under account number XXXX. However, I want to clarify that I did not receive proper notification about this alleged debt. As a result, I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene in this matter to rectify the situation. 

I am aware of my rights as a consumer, and according to the Fair Debt Collection Practices Act ( FDCPA ) and other relevant regulations, creditors are required to provide proper notification before taking actions such as repossession. This notification should include an acceleration notice, an opportunity to cure notice, and a post-repossession notice. I have not received any such notifications regarding the alleged debt from XXXX. 

In light of the above, I kindly request that the CFPB investigate this matter and compel Equifax to provide evidence of the notifications they claim to have sent me. Specifically, I ask for the certified receipt with my signature on it, demonstrating that I indeed received proper notification about the debt and subsequent repossession. Without such proof, I believe that my rights as a consumer have been violated. 

Moreover, I urge the CFPB to instruct Equifax to remove the inaccurate account of repossession from my credit report immediately. This incorrect information is unjustly damaging my credit score and financial reputation, which can have severe consequences for my ability to secure loans, housing, and employment opportunities. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Please feel free to contact me at XXXX or XXXX if you require any further information or clarification regarding this complaint. 

Thank you for your assistance in addressing this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TN Email : XXXX Phone : XXXX
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, 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. (IN)

To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. On XX/XX/2022, I retrieved a copy of my credit report and discovered several inquiries that I have no knowledge of. 

Because I did not apply for credit with 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, or XXXX. I have also reached out asking that they remove the inquiry from my credit profile. 

Please launch an investigation into all of these named inquiries to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings.
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, 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. (IN)

To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. On XX/XX/2022, I retrieved a copy of my credit report and discovered several inquiries that I have no knowledge of. 

Because I did not apply for credit with 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 IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, or XXXX. I have also reached out asking that they remove the inquiry from my credit profile. 

Please launch an investigation into all of these named inquiries to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings.
Consumer complaint received 2022-06-01
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Portfolio Services, Inc. (AZ)

I have made several attempts to get verification or an explanation on how a credit inquiry was put on my credit report with no success. I have no knowledge whatsoever of the credit inquiry and where it may have come from. The company refuses to provide documentation bearing my signature as required by law.
Consumer complaint received 2024-03-20
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have an auto lease with XXXX XXXXXXXX XXXX  XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the Experian and XXXX Credit Bureau with no successful resolution. There was definitely an error on their part. 

XXXX XXXX XXXX XXXXXXXX