davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Credit reporting agencies have different varieties of name thats not myn, bills that have been paid off by insurance providers are being listed as collections. Social security number was leaked during s security breach. Account inquiries are not myn posted as myn. XXXX refuses to give a copy of credit report even though its been verified as myself hence unable to determine how much breach has effected my credit score. Even though you disputed thing that are not your Transunion still report as yours and wont allow you to change it. Even after notification that you were effect because of security breach.
Consumer complaint received 2022-06-10
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. (TN)

In accordance to the fair credit repair act ( Congress put into place ) 1 ) XXXX XXXX, 2 ) XXXX  Account number XXXX and 3 XXXX XXXX XXXX XXXX 15USC 1681 Section 602a I have the RIGHTS to PRIVACY. Congress put this law into effect however credit agency do not adhere to it. THis is a Law and it need to be enforced laws are for structure.

Secondly 15USC Section 604 a Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have not given these companies to any written instruction nor have I sign documents allowing them to report to report. Congress has given me the power to say NO and the option to allow by writtten signature I have not sign anything Please show me where XXXXi agreed to this. THIS IS GROSS NEGELIENCE AGAINST ME and no one is obeying the law.

These collection are costing me higher APR rates and higher interest on my credit card. XXXX XXXX does not have enough proof that debt belong to me can I see a sign contract and not a statement that I never stayed at before I never stayed at XXXX XXXX XXXX, XXXXTN XXXX or XXXX XXXX XXXX XXXX these address are fraudulent. I am reporting this to Identitity THeft.gov 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

on MY REPORT IT SAY I OWE XXXX XXXX HAS I OWE {$690.00} WHICH ONE DO I OWE BECAUSE CONGRESS REQUEST FOR ACCURACY OF EACH CONSUMER REPORT. INADDITION YOU ARE REPORTING XX/XX/18 ON XXXX, EXPERIAN YOU REPORTING OPENING DATE XX/XX/2018. THE DOCUMENT YOU SUBMITTED TO CFPB YOU SAIED XX/XX/XXXX WHAT DATE IS IT. VIOLATION DELETE THIS OFF MY REPORT DELETE THIS OFF MY CONSUMER REPORT. THIS HAS CAUSE SO MUCH DAMANGE. IN ADDITION IF ITS CHARGE OFF A BALANCE SHOULD NOT BE REPORTING BUT THERE IS .....
Consumer complaint received 2018-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Spoke with XXXX at equifax because they wiped my entire credit profile out, only leaving derogatory marks of 5 disputes, also they keep adding and removing addresses and information in good standing, now after XXXX XXXX reported and sent 3 Bureaus a letter about reporting incorrect information equifax added it back to bring my score lower, I am disputing derogatory items I was told would be removed along with inquires I didnt request.
Consumer complaint received 2024-02-05
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. (AZ)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDXXXX  Account Number : XXXX Delete this account. 

9. 15 U.S. Code 1681i - Procedure in case of disputed accuracy DEPTEDXXXX Account Number : XXXX Delete this account. 

10. 15 U.S. Code 1681i - Procedure in case of disputed accuracy DEPTEDXXXX Account Number : XXXX Delete this account. 

11. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDXXXX Account Number : XXXX Delete this account. 

12. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2021-12-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diaz & Associates, Inc. (CO)

Diaz & Associates sent me a collection letter for debt that is not mine. I have no outstanding debt, besides student loans. I googled this company and there many others who received similar letters for debt that is not theirs. This company is attempting to scam hundreds or perhaps thousands of people.
Consumer complaint received 2022-06-10
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 — Problem with personal statement of dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Creditor : XXXX XXXX  Nevada XXXX. 
Your Account XXXX. XXXX, Reference No. XXXX ORIGINAL XXXX XXXX  Nevada XXXX. Account Documents Requested Portfolio Recovery REFUSES to send me copies of the above ORIGINAL ACCOUNT from XXXX XXXX  Nevada, XXXX, which was CLOSED when XXXX XXXX XXXX  spent XXXX XXXX dollars to purchase this and other credit card accounts from XXXX XXXX, or on around XX/XX/XXXX. This account was closed over TEN years ago and is NOW outside the STATUTE OF LIMITATIONS for collection in the State of Georgia. 

Information from XXXX : On XX/XX/XXXX, XXXX  XXXX completed its acquisition of the majority of XXXX 's United States credit card business for a reported {$2.00} XXXX, adding definitiveness to a sale that caused a stir among consumers following its tentative announcement in XX/XX/XXXX. 

Despite my repeated requests for ORIGINAL XXXX XXXX  credit card account records to prove this IS NOT a valid collection account, Portfolio continues to send me copies of documents from XXXX XXXX XXXX. 

The attached file shows the account was opened in XXXX so they do have the records, but refuse to provide copies because it will show it was closed by XXXX. 

I believe Portfolio Recovery Associates is willfully damaging my credit by reporting this 10-year-old XXXX account to the credit bureaus under the faade of being a legitimate XXXX  XXXX XXXX  account XXXX
Consumer complaint received 2022-06-10
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account 's # XXXX ( XXXX XXXX XXXX, # XXXX ( XXXX ), # XXXX ( XXXX XXXX ), # XXXX ( XXXX XXXX XXXX ), # XXXX ( XXXX XXXX ), # XXXX ( XXXX XXXX ), # XXXX ( XXXX XXXX XXXX ) and # 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 a account without my written instructions
Consumer complaint received 2023-01-25
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)

I am grateful for the removal of some of the fraudulent accounts and information being reported on my XXXX XXXX, however, there are still a lot of Fraudulent information being reported on my XXXX XXXX wihout the proper verification of the disputed items. I am submitting this CFPB Complaint to request to you once more to remove the disputed accounts and information off of my XXXX XXXX as soon as possible. I am a victim of identity theft, my identity was stolen and used to open these accounts wihout my knowledge nor consent. I see a lot of videos on the internet that identity theft have become rampant. I have read that under the Fiar Credit Reporting Act section 605b, you are required by Federal law to remove any accounts and information that do not elong to the consumer. I am requesting of you to please remove the following accounts and information off of my Credit File : 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  : {$4800.00} XXXX  XXXX Balance : {$9400.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Please send me any documents you may ifnd along the way of your investigation claiming that the disputed items belong to me and are verified. If you can not provide nor find any documents ti support the claims that the disputed items belong to me, immediate removal of the disputed items will be greatly appreciated.
Consumer complaint received 2021-12-04
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: CAPITAL ONE FINANCIAL CORPORATION (DE)

There are multiple errors in the listing that are damaging to me including balance, payment HISTORY, terms, date open, and date of last payment. Please update for lawful accuracy.
Consumer complaint received 2023-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (FL)

I signed up with a promo code at TRUIST BANK which offers {$400.00} after i make two direct deposits within 90 days totaling {$1000.00}. After 60 days i met the requirement and per the rules in the promotion the funds were to be added no later than 30 days after the requirement was met which was a week ago. I contacted customer support and they are denying that i met the qualification. In fact, they lied and said and i quote you did not meet the requirements within the 90 days which is interesting since i did and have proof on my statement and since the account was not even open 90 days yet. They acted as though my account had been open 90 days already and it was too late. I have since spoken to others who are experiencing the same thing. They are clearly and intentionally breaking the law and i refuse to stand for this. They also said they would have a higher up contact my via phone or email last week and they never did.
Consumer complaint received 2023-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC. (MD)

Axos bank closed my account on XX/XX/2023 and now they are holding my funds totaling {$900.00} XXXXThey told me my account is restricted because their internal team was unable to verify the document i sent which is a lie because it is an official name change document there is absolutely no way they can do this. Ive used this document at social security and former places of employment and I work for the government. Although my name has been changed on my social it has not been on my license because its from out of state and its more complex but thats besides the point that are fraudulent institution. Hence thats why I carry my license, social and OFFICIAL sealed name change document from the XXXX XXXX in XXXX XXXX. Ive been waiting for a review for XXXX hours I was told XXXX. I havent had any issues with any other bank using that document XXXX tried to send a wire transfer and I was told i had to send over my documents to have my identity verified. I sent over everything. They closed my account XXXX minutes later and sent me some email saying that my account was being closed because i went against the deposit agreement which i did not. They NEVER verified my document I got an email back today saying they just got it. Theyre playing big games and they need to be reprimanded for their fraudulent banking practices. PLEASE shut this bank down have you seen the consumer reviews. They do this all the time and get away with it .I want them to process my wire transfer so that i can pay my rent they are a scam bank and the representatives are rude and condescending. They need to be reprimanded for their fraudulent banking practices and how they hold customers funds for forever. I attached all the communication that changes everyday as well. I told them that they caused me to get evicted which they did so Im pursuing legal matters if I dont get help here. By the way I sent that document Wednesday but please see all screenshots attached so you can see how much of a lie they truly are!
Consumer complaint received 2022-06-10
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account 's # XXXX ( XXXX XXXX XXXX, # XXXX ( XXXX ), # XXXX ( XXXX XXXX ), # XXXX ( XXXX XXXX XXXX ), # XXXX ( XXXX XXXX ), # XXXX ( XXXX XXXX ), # XXXX ( XXXX XXXX XXXX ) and # XXXX ( XXXX XXXX XXXX ) has violated my rights. 

1 5 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 2019-08-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CT)

I am submitting a complaint because I was told that the mortgage company can not file a allonge that is not attached legally to the note, it can not be submitted separately, also why did they submitted a note that includes my ex-husband which is not current. 
I have attached what was was submitted to the court.
Consumer complaint received 2021-12-04
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. (AL)

I have reached out to this company 6 times about the inconsistency and incompleteness of my credit reports and they have failed to preform a proper investigation as you can see from below how they are reporting the information. Please delete this account at once. 

I reached out to the company on XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21 and they have to respond to any request with proper validation per FTC Opinion. 

Payment history is reporting and it should be blank filled. Account status reporting as closed with XXXX and open with equifax. Account status incorrect should only be reporting as XXXX, XXXX, XXXX, or XXXX. Past due amount should not be reporting as I do not have a contract with this company. Date of last payment is not reporting so I do not know the purge date or if it's still inside the statute of limitations. 

XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Equifax XXXX Account # Account Type Open Open Type Detail XXXX XXXXs XXXX XXXX Ownership Individual Individual Account Status Closed Open Payment Status CollectionOrChargeOff CollectionOrChargeOff Monthly Payment Date Opened XXXX XXXX Balance XXXX XXXX Terms XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OK High Balance XXXX XXXX Credit Limit XXXX XXXX Past Due XXXX XXXX Last Reported XXXX XXXX Date Last Active XXXX XXXX Date of Last Payment
Consumer complaint received 2018-04-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

I sent {$3500.00} from Coinbase a US based bitcoin exchange in XXXX XXXX to a XXXX account the was closed down accidentally. The money was then sent to a email account were I was supposed to claim the money. Unfortunately I had no idea it had been sent to it until it had passed 30 days were XXXX the sent the money back to Coinbase. This has been ongoing and started about two weeks before XX/XX/XXXX. I have called Coinbase customer support multiple times and they have told me they were working on it but it no XX/XX/XXXX and I have yet to hear back from them. So I am under the belief that this is fraud. Please help
Consumer complaint received 2024-02-29
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: EQUIFAX, INC. (KY)

On the XXXX XXXX XXXX XXXX, I wrote to you, demanding an inquiry into items that I considered were, erroneous, or incorrectly reported. To far, the only answer I have received is a computer-generated letter claiming that you have discontinued review of my credit reports because you believe I employed a third-party credit repair firm. Not only do I feel this is a stall tactic on your behalf to allow you an extra XXXX  days to comply with my original request, but I also believe it is a clear violation of the FCRA.
Consumer complaint received 2021-12-21
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)

I applied for a loan with my bank in XX/XX/2021. My bank pulled my credit an told me my score was XXXX. It was pulled from Experian. I pulled my credit report the same day and showed a score of XXXX. There is some type of fraud going on if the banking industry and consumers received different scores. 

Experian sales a service for credit monitoring. It's fraud when their service to consumers does not show the correct or different information to lenders. This is the entire purpose of credit monitoring, to insure accuracy.
Consumer complaint received 2020-10-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (OH)

I was a resident at the XXXX XXXX  located at XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, On XXXX XXXX there was a attempted break in on my unit at approximately XXXX XXXX by a homeless man that broke into the secured building police were called out there were no security to let them in a second call was made and they gain access to my unit later found out there were no cameras however the homeless man was spotted and a chase to place and the suspect got away .Management was notified and nothing came from it .I called the housing court and was told if I fear for my safety which I did I should give them a 30 day notice explaining my fears and concerns I cleaned the unit we did a walk through ( management and myself ) my lease would have expired in XX/XX/2020, I moved out the following month after this incident however I didnt stay there anymore after the night of the attempted break in. XX/XX/2020 I noticed on my credit report from a debt collector ( National Credit System , Inc ) a debt of XXXX from this incident I have disputed this debt on the credit bureaus complains that this is false also attempted to take them to court .I would like this removed from my credit, I have evidence that these charges is fraudulent.