davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-17
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)

I called Experian and XXXX credit bureaus after I purchased a credit report from XXXX XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there were : XXXX XXXX XXXX XXXXXXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$640.00} on my credit report which are UNKNOWN to me. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is disappointing because I have been paying Identity IQ to get a report every month and I have been disputing fraud account on my credit report all this time. XXXX of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent account and have it BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of thief identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2019-06-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. ()

So my account on coinbase got temporarly locked and I should contact them to unlock it. I wrote them and got a response about answering some security question. I did that and it was on the XX/XX/2019. Now it is the XX/XX/XXXX and I still got no answer. The Case is : # XXXX.
Consumer complaint received 2019-06-13
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XX/XX/2019 at XXXX XXXX I paid my monthly payment on my USAA renters insurance. I received a confirmation number of # XXXX. I paid with a MasterCard credit card and can show statements by email as well. The very next morning I received an email stating they have yet to receive payment and it is attached as a photo jpg. I want my payment credit issued to my USAA bank renters property insurance account as soon as possible. This bank is not honest and harasses and steals from war vets and this is proof.
Consumer complaint received 2022-08-17
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. (AR)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXXXXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$460.00} XXXX XXXX XXXX Balance {$7.00}
Consumer complaint received 2022-09-01
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. (ID)

In accordance with the Fair Credit Reporting Act, 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 a account without my written instructions.
Consumer complaint received 2024-02-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (DC)

My case number with the bank is XXXX XXXX XXXX Someone stole my money from the bank. ( Direct Express ). The amount stolen was around {$2000.00} ( not sure about the amount but over {$2000.00} ). Prior to these,, the bank blocked my account. I couldn't withdraw from the account. The bank Customer representative told me they were going to open the account for me to withdraw the money I need and after they would close the account and give a new Atm card because they suspect someone is stealing money from my account. I withdrawed {$1600.00} from the bank and left over {$2000.00} in the account. To my surprise the bank did not issue another card neither did they close the account. This was the period in which the thief stole over {$2000.00} from my account. I informed the bank and asked me to fill out a form which i did .They later came out to deny my claim. Please help me to visit my case.
Consumer complaint received 2022-04-04
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. (OH)

In accordance with the Fair Credit Reporting act the following companies have 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.
Consumer complaint received 2019-04-16
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. (GA)

I have contacted Equifax, XXXX, and the debt collector XXXX XXXX XXXX about a fraudulent account and all 3 companies have refused to remove this account from my credit file. There is a fraudulent account that XXXX  XXXX  XXXX   allowed to be opened in my name as a result of identity theft. I have told XXXX  l, XXXX, and Equifax that the original account from XXXX was fraudulent and that the collection that XXXX placed with XXXX XXXX XXXX was fraudulent. I have provided XXXX XXXX XXXX, XXXX, and Equifax a copy of my police report and reported the account as fraudulent, and all of them have refused to correct the record and block the fraudulent collection from my credit file. I have also notified the furnisher of this information XXXX that this account was fraudulent and provided them a copy of my police report as well, and all 4 companies have continued to violate the FCRA by continuing to report this fraudulent information about me. 

XXXX XXXX XXXX continues to harass me over a debt that they and the other 3 agencies have been formerly notified was fraud. They have continued to use abusive collection tactics and reporting tactics to attempt to force me to pay a debt that they have full knowledge does not belong tome and is as a result of identity theft.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2020-09-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Point Financial Corporation (CO)

We purchased our home in XX/XX/2019 and our mortgage was transferred to Home Point Financial. This mortgage is at a 4.75 % interest rate. In XXXX of this year we began to shop for a refinance. Home Point reached out to us after we were already approved by another company and offered a low cost refinance at an advantageous rate, with a significantly lower initial cost than the other company so we went forward with the application process. We have very good credit and an very advantageous loan-to-value. We completed our application on XX/XX/XXXX and the company went completely silent. We have repeatedly reached out to our assigned originator, XXXX XXXX, and more recently demanded to be put in touch with someone in higher authority and he has not responded to any communications since XX/XX/XXXX. It has now been over 60 days since we completed our application, and the only contact was a revised disclosure sent to us about 3 weeks ago. We believe this foot-dragging is a scam to keep us from refinancing our high interest loan. Now we have to begin the process again with another company which will negatively impact our credit rating. We would appreciate any action you would be willing to take against them to force them to at least tell us why we were declined, or even if we were declined.
Consumer complaint received 2019-06-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (SC)

Common Wealth Financial Systems XXXX XXXX XXXX XXXX XXXX, PA XXXX This company placed an inquiry on my credit for an account I have never heard of. It is also from 5 years ago. They first stated it came from XXXX XXXX XXXX, then physicians office. No communication or attempt to communicate on the debt was ever made. Just a hard inquire to my credit, tanking it 100 points. When I called to discuss not only are these people very rude but both XXXX & XXXX and super nasty! This company has never once called or reached out to me. XXXX stated they mailed a letter to the address listed on the account from 5 years ago. How do these people just go around messing with someone life with out properly verfiying if that is even there debt. Giving them the chance to pay if in fact it is.
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

one inaccurate and fraud bankruptcy chapter XXXX public record is reporting on my equifax credit reporting agency, i have disputed this several times and so far they have not been helpful at all i have never filed any bankruptcy in my life, and for some reason this is showing on my equifax only, please help me to remove this inaccuracy removed from my credit file. i have attached my police report and the FTC report  which i have file. please find attached thank you
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, Tx XXXX XXXX  XXXX XXXX XXXX  XXXX ( {$1600.00} written off ) XXXX  XXXX XXXX  XXXX ( {$100.00} written off ) Each disputed account the debt has been deem uncollectible. Each disputed account is past the statute of limitations. Each company has issued a form 1099c. There are court cases that have ruled it is unfair to continue to report to a credit report after these actions have taken place. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  it would be inequitable to require that ( Defendant ) report the discharge of debt as income on his federal tax return or face the potential tax consequences and hold that the plaintiff may continue to hold him liable on the debt XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX ( a ) holding that it is inequitable to allow a creditor to belatedly enforce the alleged debt after it received the tax benefit of the charge off XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( issuance of form 1099c after debt was written off is " Prima Facie evidence '' that debt had been discharged by creditor, sufficient to create an issue of fact I have also filed a tax fraud case against XXXX. The reference number for this case is XXXX. 

FCRA Violations XXXX XXXX ( {$100.00} written off ) The account number listed is not accurate. This is not the entire account number. The account number exactly matches another negative account reporting. FCRA violation. 

XXXX  XXXX The account number listed is not accurate. This is not the entire account number. FCRA violation. 
Payment history is reporting inaccurate. Several months have no payment history. No on time payments reporting. No late history reporting. 
No credit limit reporting. Incomplete information XXXX  acct. XXXX ( {$1600.00} written off ) The account number listed is not accurate. This is not the entire account number. The account number exactly matches another negative account reporting. FCRA violation. 
Payment history is reporting inaccurate. Several months have no payment history. No on time payments reporting. No late payment history reporting. 
*No high balance reporting. 
Date of last activity reporting different for Experian and XXXX Last payment reporting different for Experian and XXXX. 

XXXX  XXXX XXXX The account number listed is not accurate. This is not the entire account number. FCRA violation. 


I hereby demand that you immediately delete these items from my credit report in order to avoid legal action. If these items are not deleted and come back verified Ill then proceed to take these items to small claims court where Ill seek to get my desired remedy. Ill also be submitting this complaint to the Attorney Generals Office, and the XXXX.
Consumer complaint received 2023-03-31
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)

I am filing a complaint about the credit bureau 's handling of my identity theft complaint, which I filed on XX/XX/2023. Despite repeated attempts to follow up on the status of my case, I have yet to receive any meaningful response or action from your organization. I expected the credit bureau to take swift and decisive action to rectify the situation and protect my credit score. However, the lack of progress on my case has left me feeling so depressed about the potential long-term consequences. I have already contacted the other agencies and creditors about this matter and it is now being investigated.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is a bankruptcy that does not belong to me showing up on my credit report and background check. I have sent the request to XXXX, XXXX and transunion to remove.
Consumer complaint received 2018-06-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (TX)

On several occasions I have requested original contract or lease with my signature to be mailed to me they are showing a debt for a collection of {$280.00} for something i did not a signed I believethat their employees at XXXX XXXX stole my information.. i want this removed from my credit also the company is reporting a debt for XXXX XXXX which I could not live in because it was inhabital see attachment.
Consumer complaint received 2018-06-17
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. (MI)

I found out from the Equifax premier Equifax told me to sign up for XXXX XXXX. So I tried to sign up it tells me there's an account already exists it what is my Social Security number please I'm asking please my identity was stolen I never apply for any credit cards I don't have any credit cards. 


If someone can call me I would really appreciate XXXX
Consumer complaint received 2020-09-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (GA)

This company has reported negative information to the credit bureaus of a debt with them. I have reached out to them and asked that they provide me with a contract between myself and them or for them to have it immediately removed from my credit file. The company responded asking if I was aware of the debt I once again responded that I have no affiliation with them and got no response. The name of the company is Security Credit Services. They have reported this negative information to all 3 credit bureaus and are on each of them twice with two separate amounts. The first one was reported XX/XX/2020 in the amount of {$810.00}. The second one was reported XX/XX/2020 in the amount of {$2000.00}.
Consumer complaint received 2019-06-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (FL)

I have a debt I owe to American Express but repeated phone calls to me five or more times per day is unacceptable. What is disturbing is that the company has my email, address and phone which are current and yet, still felt the need to contact my niece who lives in another state and leave a random message about my debt. I have contacted Amex several times via phone to tell them to not violate the laws and regulations in place but they continue to call and harrass me. Even though I still make payments the best I can each month, if not multiple times per month. This has to stop!
Consumer complaint received 2023-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (OH)

I havent been able to access my XXXXXXXX XXXX for the last 6 months. And I can not get through on the phone lines. 
I filed a CFPB complaint when they reported me as late and they know this has been an ongoing issue with comenity customer accounts. 
My XXXXredit score updated that the account was closed and sent off to debtor while theyre still processing my CFPB complaint. They didnt even bother to fix the issue and now have negatively impacted my credit score.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit reporting act XXXX Account number XXXX XXXX XXXX XXXX, XXXX XXXX, has violated my rights. 


15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It is also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-09-20
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: JPMORGAN CHASE & CO. (FL)

I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over XXXX days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified.
Consumer complaint received 2023-03-31
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)

In accordance with the Fair Credit Reporting act XXXX XXXX account XXXX, XXXX 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 2023-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kinum, Inc., Indianapolis, IN Branch (CA)

XX/XX/XXXX, made purchase with credit card for item at XXXX XXXX XXXX  of {$6300.00}. 
XX/XX/XXXX, told by XXXX warehouse my item was in stock and would arrive to XXXX 5-7 days. XX/XX/XXXX, was told it had arrived at XXXX warehouse. Delivery company in XXXX stated they did not have my item, did not know when I would get it delivered. XX/XX/XXXX, told by XXXX XXXX at XXXX I would get call within 48hrs to schedule item for delivery to my home. XX/XX/XXXX, informed XXXX XXXX if I did not have item by end of this week ( XXXX week in XXXX, would request full refund ). I then contacted my credit card company to have the {$6300.00} charge disputed and removed. I have never received any item from XXXX nor contacted by any representative to deliver said item. XXXX is attempting to collect money from me for no service rendered. This is truly fraudulent in nature and should be reported.
Consumer complaint received 2022-08-17
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. (AR)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX - XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$0.00} XXXX  XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$460.00} XXXX XXXX XXXXXXXX Balance {$7.00}