davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-25
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. (CO)

Equifax ; XXXX and XXXX  are reporting incorrectly a collection in the amount of {$4400.00} on the XXXX XXXX   XXXX XXXX partial account number XXXX. ( Please see page 29 of the attached credit report. ) This account is over ( 7 ) years old from the of last activity and reporting this is a violation of the Fair Credit Report Act. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to fix this, however I have been unsuccessful.
Consumer complaint received 2022-03-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

Citibank abruptly closed my checking account on XX/XX/XXXX. All they said was the reviewed my account and closed it. I never did anything wrong. I have been with them for more then XXXX years. Also have credit cards through them. I know they are allowed to close my account when they want to as they stated on the client manual. I have never done any fraud or money laundering of any sort. I want open a new account or reopen my old one but they are saying they don't want me. All their customer service people don't know the reason it was closed too.
Consumer complaint received 2024-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-05-18
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. (FL)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXXXXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$8200.00} ), XXXX XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$810.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$1500.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-03-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (NV)

Charge from XXXX XXXX XXXX XX/XX/2021 for traffic ticket - {$900.00} - Fraud, Harassment, and lies with no proof of action taken American Express Serve Debit Card - No fraud investigation and no proof of action taken
Consumer complaint received 2022-03-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

I am expecting my tax refund - I notified the bank that my account there at that bank was where my refund would be deposited. I was assured that it would be kept open for the refund to be deposited and less than 2 weeks after I filed my return with the account in question listed to receive the direct deposit of my tax refund- they closed my account. It was overdrawn by less than {$10.00} when they closed it. Prior to all of this I had requested that any debits to the account be declined to prevent any overdrafts to begin with. That request was obviously ignored. This has put me into dire financial hardship as I will now have to wait as many as 3 months for a paper check to arrive from the IRS. I called the bank, the call was directed to their overdrafts department, they escalated my issue and I spoke with what I was told was a bank Vice President. He told me to go to the bank first thing Monday morning ( this was a Friday ) and that a note would be put into my file to open another account that would be linked to the closed account so that my deposit wouldnt be rejected and sent back to the IRS. I went to the bank as instructed and they flatly told me no, they could not do that. They wouldnt even check to see if any such note was added to my file. I feel like I was lied to. The IRS wont let me change my direct deposit information since my return has already been accepted. I feel like Wells Fargo ( my bank ) needs to step up and do SOMETHING considering the circumstances and the fact that had they acted according to my wishes that the account never would have been closed to begin with because it wouldnt have been overdrawn. 

Thank you.
Consumer complaint received 2022-05-16
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account 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 2022-05-18
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: ENCORE CAPITAL GROUP INC. (CA)

I disputed this account with XXXX, XXXX, and XXXX via USPS certified mail. 

I also sent 2 debt validation requests via USPS certified mail to Midland Credit Management on XX/XX/2022, and XX/XX/2022. Midland Credit Management ignored my request for debt validation and failed to respond in over 60 days. I dont even have an original account with whom they say the original creditor is or a similar dollar amount of {$600.00} reporting on any of my credit reports. This is why I wrote to Midland Credit XXXX directly to validate the debt in the first place. 

XXXX completed their investigation and deleted the account from my credit report. 

As of XX/XX/2022, both XXXX and XXXX verified and or updated the account as accurate however they didnt actually verify it and they are continuing to report it on my credit report. By their continuous reporting of an unknown and or unverified account, they are in violation of the FDCPA. 

This is continuing further collection activity which is also a violation of the FDCPA.
Consumer complaint received 2022-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the FCRA the following companies have violated my rights as a consumer.

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave authorization for that. 

1. XXXX XXXX XXXX 2. XXXXXXXX XXXX  XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX
Consumer complaint received 2022-12-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (NC)

In XX/XX/2019 my mother passed away. I have been trying to get the ownership of the house transferred to me. ROCKET MORTGAGE keeps trying to force me to go through probate. They won't accept my calls, return payments I make towards the home, and adds hidden fees to the mortgage. This has dragged out due to the Covid 19 pandemic.

Every single lawyer I've spoken to says that probate is not required. I live in North Carolina where probate is not necessary to become an heir of the home she left behind. I am the only child and my mom did not have any partners when she passed. ROCKET MORTGAGE is following its own made-up policies and failed to follow the law of the land. They are trying to take my home away from me. They blatantly ignore me and cause so much turmoil. I just want everything squared away and taken care of. 

I want to take care of my mother 's home and assume rightful ownership. They even promised to put me over the mortgage if I got get some documents notarized and signed, but when I send them in, all I get are crickets. 

I have requested and completed the Potential Successor in Interest Acknowledgment forms about 5 times so far with no response. Either they say they never received the documents or they withhold information about the loan. Getting information on what I should do is like pulling teeth.
Consumer complaint received 2022-12-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (TX)

I was storing funds in Gemini XXXX program and was very reliant on 5 day XXXX payment terms. It has been one month with funds still frozen and no update on when they will be available, as this year 's tax deadline for trading purposes quickly approaches.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2022-03-28
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. (FL)

I have reached out to all creditors by writing, online request, and telephone each month since XX/XX/XXXX to have these items removed from my credit reports. I have also formally written all XXXX bureaus to step in on XX/XX/XXXX to have these incorrect accounts removed from my credit. It has been over 30 days and they have not cooperated or even responded to my formal letters that were sent by certified mail to each bureau. 

Account Name : XXXX Account Number : XXXX Amount : {$3300.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Amount : {$1900.00} Account Name : XXXX Account Number : XXXX Amount : {$1700.00} Account Name : XXXX Account Number XXXX XXXX Amount : {$720.00} Account Name : XXXX Account Number : XXXX Amount : {$630.00} Account Name : XXXX Account Number : XXXX Amount XXXX {$380.00}
Consumer complaint received 2022-12-16
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. (ID)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2022-03-28
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. (FL)

I have reached out to all creditors by writing, online request, and telephone each month since XX/XX/XXXX to have these items removed from my credit reports. I have also formally written all XXXX bureaus to step in on XX/XX/XXXX to have these incorrect accounts removed from my credit. It has been over 30 days and they have not cooperated or even responded to my formal letters that were sent by certified mail to each bureau. 

Account Name : XXXX Account Number : XXXX Amount : {$3300.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Amount : {$1900.00} Account Name : XXXX Account Number : XXXX Amount : {$1700.00} Account Name : XXXX Account Number XXXX XXXX Amount : {$720.00} Account Name : XXXX  Account Number : XXXX Amount : {$630.00} Account Name : XXXX Account Number : XXXX Amount XXXX {$380.00}
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity theft and have enclosed a copy of my FTC /identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. 

You are in violation for reporting Inaccurate, incomplete, or unverifiable information. 

This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. the information does not relate to any transactions that I have made ; therefore ; I am writing to request that you place an immediate block on the fraudulent information in my credit file within 4 days upon receipt of this correspondence. 
By law you can not decline or rescind this request because : The block or request by the me ( the consumer ) is not in error Was not requested on the basis of a material misrepresentation of fact by me ( the consumer ) I did not obtain possession of goods, services, or money as a result of the blocked transaction or transactions. 
Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. / 15 USC Code 1681 c-2
Consumer complaint received 2022-05-18
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: Experian Information Solutions Inc. (FL)

CFPB Write up n 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 2022-03-28
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: Tower Loan of Mississippi, Inc. (IL)

On XX/XX/2022, I sent TOWER LOAN a certified mail letter, informing the company that they are unlawfully reporting an unauthorized inquiry on my consumer report without my permission in which I have yet to receive a response. 
TOWER LOAN is in violation of my rights as a Federally Protected Consumer
Consumer complaint received 2019-07-16
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. (NC)

Equifax repeatedly ignores my request to send verification and remove fraudulent accounts from my credit file after numerous attempts for years!! I keep repeatedly sending in there requests for idenitity etc and they refuse to investigate my disputes!
Consumer complaint received 2019-07-25
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. (TX)

XXXX ; XXXX and Transunion are reporting incorrectly a charge-off in the amount of {$1200.00} on the XXXX XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account has been paid and needs to report a {$0.00} balance. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to resolve this issue, however I have been unsuccessful.
Consumer complaint received 2022-03-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (NY)

On XX/XX/XXXX I have also filed this following report to FTC and have a case number XXXX I bought ethereum coins from Coinbase in XXXX. I was notified by email end of XX/XX/XXXX by Coinbase that I could not get into my account. My account was frozen several times and I called the company and each time spoke to different people who informed me I had to wait until I received an email to start the recovery process to get into my account. It took till XXXX XXXX when i got into my account and retrieved much of the coins and money there and left XXXX ethereum coins in that account as I wanted to wait for the market to improve so I would not lose the money I initially put in.That same day on XXXX that thieves got into my account again and coinbase sent me an email asking me to allow or cancel a transaction to go thru. It was shortly after I had taken out most of my money. I hit the cancel button and it was then that coinbase ignored my cancel transaction and allowed the thieves to take my money out. Now, coinbase tells me that not only dont I have my ehtereum coins in there but that I owe them money. Coinbase owes me money and I repeatedly tell them that. Coinbase had no right to allow the transactions to go thru as I hit the cancel button. Each time I called Coinbase I spoke with different people and made notes of their names, time I spoke with them and date. I told this to Coinbase via email but they ignore what I wrote. The coins were stolen from my account and I want it back. I need help. 
I need help in retrieving my account. 



.
Consumer complaint received 2019-07-25
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. (NJ)

I have four civil judgments in court they are not my accounts, the credit profile was mixed with mind I called the creditors and all three Credit bureaus to have them delete theses accounts
Consumer complaint received 2022-05-16
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: Experian Information Solutions Inc. (TX)

FCRA violations : payments never late XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : inquires not mine XXXX  XXXX XXXX  XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single  family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Consumer complaint received 2022-03-29
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: CBC Companies, Inc. (IL)

My Innovis Consumer Report is showing a negative account with XXXX XXXXXXXX XXXX account # XXXX, where the date of the 1st Delinquency or 30 days late is not being reported. It is missing and this makes the account incomplete. 

On or about XX/XX/XXXX, I sent a letter to Innovis Consumer Reporting Agency requesting to investigate and provide this information. ( See attached document ) On or about XX/XX/XXXX Innovis responded : " The disputed information was verified as accurate '' ( See attached ) However, the missing information wasn't provided and is still missing. How can the missing information be accurate as being missing? It simply does not make any sense. 

Can you please direct Innovis to provide me the date of the 1st Delinquency and to include it in my report? If they are unable to provide me, please direct them to delete this item from my report. 

Thank you p.s. ANY RESPONSE REGARDING THIS BCOMPLAINT SHALL BE LIMITED TO THE PROBLEM STATED ABOVE AND MAY NOT EXTEND TO MATTERS WHICH THIS COMPLAINT DOES NOT INVOLVE.
Consumer complaint received 2016-02-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

I am very very very concerned with HESSA and the XXXX arrangement with private school loan lending. I have been unfortunately misled into believing my loan was a government backed loan via its association to federal and state officers. I believe that this is grounds for a class action suit against the XXXX for its misleading of the loan buyers via its various marketing materials.