davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-11
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. (MD)

In Accordance with the fair credit reporting Everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the last reported is not accurate ate all. The payment history is not even correct the bureaus have me as being late on my account when ll my accounts are on automatic payment each month. Yet the Bureaus came back and said they verified the account. BUT HOW DID THE BUREAUS VALIDATE THE MY ACCOUNT. Sounds like they lying or they just pushed a button saw my name come back on there computer and called that validating the account.. THATS NOT RIGHT!!!! NOR FAIR .... As you are aware, federal and my state laws dictate that all claims be physically proven to its 100 % truthfulness, 100 % correctness, 100 % completeness, 100 % timeliness and 100 % in compliance!! 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % ... ..OR Otherwise DELETE PROMPTLY if there are any deficiency to provide requested information as Federally defined in a timely manner. I am sincerely appreciative to your full attention to my request ; and your cooperation in speedily bringing my credit report into Compliance.
Consumer complaint received 2022-04-11
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: Nelson Cruz & Associates LLC (CA)

My credit was checked last month by XXXX XXXX. They denied me. I did not understand they gave me a copy. it was the worst!! it had the name XXXX XXXX, than I new someone was using my identity Because the name, there were several different addresses, and many inquiries, I would not even think of applying to. My legal name is XXXX XXXX XXXX XXXX, This is the name I use. There were three collection accounts that were not mine. One for {$310.00} for cash checking, other {$1000.00} for XXXX third account just recently appeared from a Nelson cruz for {$130.00}, One negative account from XXXX XXXX, account # XXXX. I was so upset I filed a police report. Nelson cruz is not on police report, it popped up after. i didn't know I could put the inquiries and addresses on pd report. I also disputed them. I cleaned up my credit report somewhat, However Nelson cruz is still on my report, So is the one XXXX This information is from XXXX and XXXX Only god knows what is on the XXXX 
As for my only 2 closed credit cards accounts, XXXX XXXXr and XXXX XXXX I am responsible for these I became XXXX and could no longer pay. I tried to get the credit protection plan for XXXX I submitted the forms for dr. to sign. She never did instead I find out they were misplaced. time passed I forgot about themXXXX XXXX XXXX XXXX. So my account was closed. I reached out to XXXX, I submitted dr forms. I also requested to reopen my credit card account So I Am waiting to see what happens. With my first digital My payments on account are current, I paid past due and monthly payment. I also requested to reopen my credit card account
Consumer complaint received 2021-07-14
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. (FL)

My dispute letters were mailed on XX/XX/2021 and I have not received my investigation results from the credit bureaus, it has been well over 30 days. This is a violation of my rights.
Consumer complaint received 2023-12-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

This account Resurgent keeps trying to collect was identity theft, and I have filed a police report that I have provided Resurgent this copy x XXXX ; the last report was faxed on XX/XX/2023. On XX/XX/2023, I spoke with the same rude customer service agent I've talked to. threatened ( military veteran ) me that if I didn't do the affidavit, it would just keep on coming back as an insufficient claim, and I would continue owing until I did that affidavit. ( XXXX years ago I did an identity theft affidavit and it was ignored ) The only thing this company keeps sending me is about XXXX pages of a XXXX account statement ( XXXX ) that's it. 
______________________________________________________________________ Your fax to Resurgent at XXXX has been sent successfully! 
Successful delivery of your fax was confirmed at XXXX XXXX  Eastern Standard Time on XX/XX/2023 Your fax included XXXX page of coversheet with your text and XXXX pages of attached documents.
Consumer complaint received 2022-04-11
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. (NV)

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # 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 ac
count without my written instructions
Consumer complaint received 2021-05-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

After i've filed a complaint about coinbase for compromising my account that had more than XXXX XXXX woth of money on it and ignoring me for 2 years! 
Coinbase responded to that complaint claiming that they did provid me with specific instructions in a new case ( Case # XXXX ) to regain access to my account, while in reality they are still closing all my tickets that i send to the support ... 
i'm requesting help and beggin them cause i really need those money as soon as possible, but they still just ignore my case, and taking over my account and my money that is leagaly mine by all means!
Consumer complaint received 2022-10-25
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. (CA)

I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-04-11
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. (NV)

In accordance with the Fair Credit Reporting Act, 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 2023-09-12
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. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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
Consumer complaint received 2022-04-11
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. (NV)

In accordance with the Fair Credit Reporting Act, 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 2022-04-11
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. (NV)

In accordance with the Fair Credit Reporting Act, 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 2021-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC ()

I made a error transferring etherium to Gemini and used the wrong network. The transaction is showing as in the waller address on my gemini account. I have attempted to e-mail gemini for help but quite a few days later I have not received a response and upon calling Gemini they will not deal with me only on E-mail which despite their website asking for 24 hours notice have not responded. 

I require my private key so i can transfer this mistaken money back out of the wallet or the bsc deposit sending back to my other wallet so i can correctly deposit the funds, Gemini 's own faq does say that they can provide private keys upon request but I am not bothered if Gemini send the etherium back the wallet it came from or provide me with my private key so i can do this transaction myself. 

The blockchain path is XXXX : XXXX MY gemini wallet showing the stuck etherium https : XXXX The wallet i sent from https : XXXX Gemini E-Mail XXXX Thankyou XXXX XXXX
Consumer complaint received 2022-04-11
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. (NV)

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 2021-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Card was opened in my name prior to my XXXX birthday. I have continuously disputed that I opened the card and have made several attempts to provide information proving this. The collection agency keeps contacting me during my work hours. However they have not provided proof as I have. I did not authorize the opening of this credit line.
Consumer complaint received 2021-05-14
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. (IA)

There is a late payment from XXXX or XXXX of 2019 showing on my credit report from XXXX. I was set up for autopay on my account and when logging into the XXXX  app, it showed my payment had been made successfully and did not show me any issues with the payment. I did not realize there was any problem until after they reported it to the credit bureau. Once I was made aware of the late payment reporting on my credit report, I promptly fixed the banking information and paid off the account. If XXXX  had reached out to me and let me know there was an issue, this would have been resolved much sooner. Instead, they kept trying the same payment information for 2 months without informing me the payments were not going through. 

When I call XXXX  and ask them to remove this as this was their fault, they tell me to dispute it with the credit bureaus and they will remove it. However, each time I dispute this 30 day late showing on my credit report, they dont remove it like they promised. 

This single late payment showing up is keeping me from obtaining a mortgage.
Consumer complaint received 2018-07-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

Today XX/XX/18 Bank Of America Just Decided To Close My Account After I Tried Reporting My Card Lost Or Stolen. Instead Of Asking Just Locking My Bank Card And Offering To Set Me Up A New One They Closed My Whole Account Without My Acknowledgement, Then When I Called They Said They Arent Requried To Tell Customers Why They Close An account
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX  acct # XXXX, XXXX XXXX acct # 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.

15 U.S.C. 1681 section s-2 ( a ) ( 1 ) ( A ) states 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 2022-04-11
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 accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I already reached out to the credit bureaus and to CAPITAL ONE and notify them of their error posting of information on my report. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is XXXX real '' but as of the moment, no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked.
Consumer complaint received 2021-05-14
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. (IA)

There is a late payment from XXXX or XXXX of 2019 showing on my credit report from XXXX. I was set up for autopay on my account and when logging into the discover app, it showed my payment had been made successfully and did not show me any issues with the payment. I did not realize there was any problem until after they reported it to the credit bureau. Once I was made aware of the late payment reporting on my credit report, I promptly fixed the banking information and paid off the account. If discover had reached out to me and let me know there was an issue, this would have been resolved much sooner. Instead, they kept trying the same payment information for 2 months without informing me the payments were not going through. 

When I call discover and ask them to remove this as this was their fault, they tell me to dispute it with the credit bureaus and they will remove it. However, each time I dispute this 30 day late showing on my credit report, they dont remove it like they promised. 

This single late payment showing up is keeping me from obtaining a mortgage.
Consumer complaint received 2018-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (OH)

This person from Diversified Consultants claimed that I owed about {$150.00} to XXXX. I don't have a XXXX Account. He claimed I had opened an account using my social security number and that if I don't pay the bill, that I don't owe, he said it would ruin my credit record. I have blocked the phone number from my cell phone. I called the number back and that is where I got the name " Diversified Consultants. '' The phone number is XXXX. I assume this is fraud and would like them stopped.
Consumer complaint received 2022-10-25
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: EQUIFAX, INC. (NM)

This is the several times I've complained about being a victim of identity theft. 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. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX Date opened XX/XX/2019 Balance : {$110.00}
Consumer complaint received 2021-05-14
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (TX)

I got a car loan through Western Funding, on XX/XX/2015. I had the car XXXX week before it started breaking down and leaving me stranded with my baby on side of the road, I had the car towed to the car lot per/ Western Fundings orders, after they fixed the engine pully that broke and stranded me and my 2 month old daughter I had the car 2 days after the car lot worked on it and the car completely quit so I called Western Funding yet again and of course they told me to have it towed back to the car lot so here I go spending another {$170.00} for towing fee, the car lot tells me that the car is a lemon and they want to give me a different car. I agreed, the bank aka/Western Funding also agreed, but then tells me I need to put ANOTHER {$2000.00} downpayment on a car that was {$3000.00} cheaper than the previous car, the sales man and I both was confused on to why I need to pay more of a downpayment, so I told Western Funding NO I couldn't afford another downpayment I had just given them {$3000.00} downpayment 2 weeks ago, so now not only am I without a car I'm also without the {$3000.00} downpayment I had just gave them, Western Funding refused to give me any of my downpayment back which when I originally opened my Auto Loan account with Western Funding they told me I had 30 days, if the car broke or was faulty I cod get my deposit back, and that it would NOT go against my credit. Well that's all a LIE they have 2 REPORTS on my credit and refuses to stand for HONESTY AND DIGNITY.. they are scam artists they tell you what you NEED to hear in the moment of need and XXXX YOU AS SOON AS YOU BECOME THERE CUSTOMER