davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I have disputed the the fraudulent accounts several times with you to no avail. You sent correspondence stating the account in question WAS PREVIOUSLY INVESTIGATED. I proceeded to access my Credit report through your respective websites and made copies of the information pertaining to : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}. 15 U.S.C. 1681i ( a ) ( 1 ) ( a ) requires that each time a consumer reporting agency receives a dispute, it shall reinvestigate free of charge, record the current status of the disputed information or delete the item from the file within 30 days, beginning on the date the dispute was received unless the account is determined to be frivolous or irrelevant. It has been over 30 days since the Credit Bureaus received my dispute and I have not received any other notices that my dispute was determined as being frivolous or irrelevant and yet the item still remains on my file with a last investigation. Based on the previous information, I am hereby demanding deletion of the disputed accounts from my Credit file pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( a ). I will NOT accept another reinvestigation of the account, ONLY deletion.
Consumer complaint received 2020-07-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (GA)

About 4 years ago I opened an account at Coinbase with several bank wires to them. I bought and traded Bitcoin with them with no problems till about 2 months ago. Up to that time I had not logged into my account for about 4 months. So it has been 6 months since I have been able to log in to my account. 

Anyway, about 2 months ago I entered my user name and password as usual, but this time it did not work. The website suggested I have my password reset, but that did not work as I never received an email to be able to do that. I just tried this same procedure and still no email with reset instructions. 

So they have a phone number to call for this type of problem but it is not maned by anyone. You simply can not reach a human being using their service number. The machine suggests to use their support page to get help with the matter, but that is also not working. All I ever get is fill out the form and we will help you, but then nothing. The only thing I get is a survey asking me if I got help. I say no and that is the end of their help. I have played that circle game of asking for help and getting none at least 10 times. 

I have apox 4 thousand invested in several cyroto currencies with them. 

I have gone on line to XXXX pages and found many people saying the same, they do not answer their phone, they do not provide any help what so ever on their support page. 

Will you please help me recover access to my account and funds. 

Thank you.
Consumer complaint received 2023-03-07
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-07-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (NJ)

I had an account, for a family plan, with the company XXXX XXXX XXXX for about 16 years. I was forced to cancel it when we moved and could not get any reception.The technical service department was informed on numerous occasions but they were unable to resolve the issue. Not having a land line and only relying on our cellphones this lack of service became a true inconvenience for my family & I. Therefore, I called to cancel my account before the next payment roll began. Now this company is forcing me to pay a cancellation fee based on a renewal of contract done with the purchase of a phone. I was never informed of this renewal when the cellphone was purchased nor when I called to cancel my account. I never signed anything when the phone was purchased as I paid its full amount in cash, therefore, a payment was never set in place in order to have had a contract renewal. This cancellation fee has rolled over into collections and it is now impacting my credit score.
Consumer complaint received 2023-03-07
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)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTHING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

A # NAME XXXX XXXX  XXXX # NUMBER XXXX ACCOUNT # NAME XXXX  XXXX XXXX ACCOUNT # NUMBER XXXX ACCOUNT # NAME XXXX XXXX XXXX ACCOUNT # NUMBER 490263XX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15U.S.C 1681 SECTION 604 A SCTION 2 IT ALSO STATES ACONSUMER REPORTING AGENCY XXXX XXXX FURNISH A ACCOUNT WIYHOUT 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 INFORM ATION, OTHER THAN RECORDS OF CONVICTIONS 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 ANY CONSUMER REPORTING AGENCY IF THE
Consumer complaint received 2024-04-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (CA)

I cancelled XXXX XXXX XXXX  before cancelling my service. The agent told to pay the current month and don't need to pay anything and I cancelled. XXXX XXXX XXXX send me more more bill saying I need to pay more. I called them the agent and told loyatly dept will remove the charges. Looks like they didn't remove it and charging me. Sunrise Credit Service added this on my credit report without writing any letters to dispute.

Credit Alert Derogatory Account Reported By Sunrise Credit Service Reported On XXXX XXXX XXXX
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. (MD)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2020-07-10
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.
Consumer complaint received 2020-07-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

TransUnion is not investigating my dispute because they are not picking up the certified mail I sent them on XX/XX/2020 and I only receive error messages when trying to file a dispute online.
Consumer complaint received 2022-10-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

From XXXX XXXX XX/XX/2021, I was charged {$75.00} twice per month by XXXX for traffic ticket resolutions. The company never represented me or resolved either of my two warrants that resulted from their inaction. I reported this to chime and they opened an investigation that according to them resulted in no error. I followed up with a rebuttal and supplied all of my supporting documents that clearly showed that nothing was done by XXXX to clear my warrants and I was definitely scammed out of {$520.00}. I produced all invoices and receipts and documents of my warrants that remain open. Chime insisted no error was made and, not only closed the case, but also closed my account. Ive also done all that I could to resolve the issue with the merchant but they refuse to respond, answer the phone or reply to messages. Their website is still active and they are likely scamming other individuals as well.
Consumer complaint received 2023-03-07
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. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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
Consumer complaint received 2022-10-29
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. (TN)

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. 

XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights XXXX, Account # XXXX has violated my rights Inquiries : XXXX XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency many 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 2022-10-29
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. (TX)

In conformity with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX : # XXXX Account name : US dept of education # XXXX Account name : XXXX # XXXX Account name : XXXXDept of ED # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXX all of these accounts 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.
Consumer complaint received 2023-03-08
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. (FL)

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 2022-10-29
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. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : USDOEXXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$810.00} XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-03-08
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 am XXXX XXXX and I am submitting this complaint and there is no third party involved. ThESE accounts are inaccurately and erroneous reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedback about this concern, and I requested a complete payment history of these accounts for me to review the exact date on which the collection was posted. There was definitely an error on their part. The bureaus are condoning illegal behaviour and willfully in the violation of FCRA. REMOVE IT FROM MY REPORT IMMEDIATELY. 
INQUIRIES : XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX  XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX Inquiry XXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX.
Consumer complaint received 2023-03-08
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. (LA)

Notice Before Arbitration I have the following ISSUES : I have disputed ( online ) each of the following accounts, stating they DO NOT belong to me. There was no action taken to rectify these inaccuracies being reported on my credit. On XX/XX/XXXX, I then sent in formal letters to Equifax stating not only did the following accounts not belong to me, I provided a copy of my identification as well as a bank statement, AND I requested that each of the accounts being reported on my credit to be verified. I requested transactional history, agreement and original contract, and ledger for each of these accounts listed below. Still to no avail ; these accounts have yet to be removed from my credit report. I have endured significant financial setback, and severe emotional distress due to inaccurate accounts consistently being reported to my credit. According to 15 U.S. Code Section 1681, MY RIGHTS HAVE BEEN REPEATEDLY VIOLATED and my attempts to rectify this matter have been ignored. Even after I have provided substantial evidence showing my identity and address. 

INNACURATE ACCOUNTS BEING REPORTED : -XXXX XXXX ACCOUNT : XXXX BALANCE : {$590.00} DATE : XX/XX/XXXX -XXXX ACCOUNT : XXXX BALANCE : {$0.00} DATE : XX/XX/XXXX -XXXX  XXXX BALANCE : {$0.00} DATE : XX/XX/XXXX -XXXX ACCOUNT : XXXX BALANCE : {$0.00} DATE : XX/XX/XXXX -XXXX XXXX  ACCOUNT : XXXX {$0.00} DATE : XX/XX/XXXX In Order to Resolve This Issue Amicably, I AM Requesting PAYMENT and Deletion for each of the above referenced accounts 15 days from the submission of TODAYS DATE : XX/XX/XXXX.
Consumer complaint received 2023-03-08
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: EQUIFAX, INC. (LA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that have been reported inaccurately and have caused significant emotional distress. The following accounts are in dispute : XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX Late Payment Account XXXX XXXXXXXX Late Payment Account XXXX XXXX XXXX Collection Account XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX XXXX XXXX Collection Account XXXX XXXX Collection Account XXXXXXXX XXXX XXXXXXXX Collection Account XXXX XXXXXXXX XXXX XXXX XXXX Collection Account XXXX XXXXXXXX Collection Account XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Collection Account XXXX XXXX Collection Account XXXX XXXX Charge Off account XXXX  XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXXXXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX Collection Account XXXX  XXXX XXXX Account I am requesting that you investigate these accounts and remove any inaccurate information that has been reported. The following laws have been violated with these accounts : The Fair Credit Reporting Act ( FCRA ) The Fair Debt Collection Practices Act ( FDCPA ) The Fair and Accurate Credit Transactions Act ( FACTACT ) The Truth in Lending Act ( TILA ) The Real Estate Settlement Procedures Act ( RESPA ) The Equal Credit Opportunity Act ( ECOA ) The Fair Credit Billing Act ( FCBA ) I am also experiencing emotional distress as a result of these inaccuracies. It is causing me a great deal of stress and anxiety, and I feel as though my reputation and financial well-being are at risk. I am requesting that you take swift action to rectify these inaccuracies and restore my credit report to its proper state.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX