davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KY)

I have been advised by my credit card companies that my credit score ( usually over XXXX ) dropped significantly in XXXX, 2023, as reported by Equifax and XXXX. On checking my scores, they seem to have dropped by approximately XXXX points in a single month. I have checked my credit reports with both companies and have no issues that would have caused such a drop. 

I did get within {$500.00} of the {$5000.00} limit on one credit card - unusual for me- but that's the only factor I can see that might have caused the drop in my score. Again, that amount was UNDER my limit, not over it. 

It seems to me that such a drop is unfair to myself and other consumers, given the facts I've stated.
Consumer complaint received 2022-10-14
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. (LA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Consumer ADJ 1304 15 U.S.C 1681 Section 602 A states I have a right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Consumer complaint received 2022-10-14
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the fair credit act capital one has violated my rights 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A SECTION 2 a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan for any purpose
Consumer complaint received 2021-06-16
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have a outstanding balance of {$390.00} showing on my credit for a XXXX XXXX credit card that was opened last year. It's now in collections with Portfolio Recovery. I have tried to dispute it several times and they keep marking my credit every month. This was not opened by me this is fraud my last credit card from XXXX XXXX was over 10 years ago. It's closed completely and no longer showing on my credit. Can you please remove this off my XXXX and my XXXX report.
Consumer complaint received 2020-02-26
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. (WA)

Experian is refusing to block fraudulent tradelines appearing on my credit report in violation if FCRA 605 ( b ). I have sent the required documents as described in the aforementioned law, Experian has no evidence to refuse a block under said law, and it has been longer than the 4 day time-frame in which a block is required to be implemented by law. Experian is now in willful noncompliance with the FCRA and is subject to the penalties described in 15 U.S.C. 1681n. 

It is shocking and appalling that a supposed reputable company operating within the United States would conduct itself in an overtly illegal manner as if it were not bound by federal law. XXXX  must block the fraudulent accounts that appear on my credit report lest they wish to face a lawsuit
Consumer complaint received 2022-11-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC (GA)

Account was paid off the benefits in XXXX, the XXXX slipped in his lies and said the company RMP services recieved the debt in XXXX. Which is was already a XXXX balance in XXXX. I have the XXXX that there company RMP services sent to me showing the accounts has XXXX balances on each date that it was XXXX out. Also my hospital facility sent me copy from the account department I forwarded them over to RMP Services and they refused to remove from my credit. In fact they went in and added a dollar more to the account after I told them there impacting my credit score with false accounts and information. They have refunded me my money that's what made me look further into it and I found out that these accounts have a XXXX dollar balance.
Consumer complaint received 2022-07-20
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. (MI)

In accordance with the Fair Credit Reporting act XXXX account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX account # XXXX, has violated my rights 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 2021-06-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2022-10-14
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. (GA)

This is a written direct dispute by XXXX XXXX, the consumer. This dispute concerns the accuracy and integrity of the information contained in my consumer report and pertains to account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a charged off balance of {$690.00}. I did not authorize or benefit from the creation of this account. This account was fraudulently opened using my personal identification information and I am requesting an immediate blocking of this information from being reported to my consumer report.
Consumer complaint received 2022-10-14
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. (GA)

This is a written direct dispute by XXXX XXXX, the consumer. This dispute concerns the accuracy and integrity of the information contained in my consumer report and pertains to account XXXX XXXX XXXX XXXX, opened on XX/XX/2021 with a charged off balance of {$690.00}. I did not authorize or benefit from the creation of this account. This account was fraudulently opened using my personal identification information and I am requesting an immediate blocking of this information from being reported to my consumer report.
Consumer complaint received 2023-07-18
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: EQUIFAX, INC. (CA)

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-15
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. (DC)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items 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, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; NMAC XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-15
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. (DC)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items 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, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-18
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2022-10-14
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)

I have submitted over XXXX letters to the credit bureau and nothing has happened I feel humiliated and frustrated now the lender ( XXXX XXXXXXXX XXXX ) has sent me a letter to have XXXX XXXXXXXX blocked and removed from my file they request the removal and so do I of the account immediately! I have attached proof this is me XXXX XXXX not a third party
Consumer complaint received 2021-06-16
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. (CA)

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Consumer complaint received 2022-10-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Filed a dispute with Equifax on the XX/XX/2022, and today XX/XX/2022, they respond. Not only my dispute took over 30 days, which is a violation of my rights under FCRA section 611. They also responded that I have never applied for credit in the past 10 years nor do I have a social security card, but I have fraudulent negative items being reported on my credit report from their company. Please investigate thoroughly and resolve within 30 days.
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

My Equifax credit information was released to XXXX, even though my Equifax credit report should of had a security freeze on it. From my knowledge when your credit report is froze no information should be obtained until I unlock it. This goes against my personal rights to freeze my consumer report from 3rd party consumers. 

I also had issues with personal information being leaked in XXXX and XXXX of 2021 and had suspicion of my information being used to obtain credit. 

I have contacted Equifax on several attempts to validate records and verify inaccurate accounts and inquires found on my credit report. I have yet to receive a response and it's been 45+ days.
Consumer complaint received 2022-10-14
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. (TN)

TransUnion needs to provide proof of validation on cfpb website. Eye do not want the Financial institutions to send me letters in the mail addressed to an all capital name which isnt me but a person which is a corporation. Since TransUnion replies on this website they should provide proof on this website of how a fictitious debt was verified especially when TransUnion along with XXXX and XXXX had no permission to allow frivolous and fictitious created debts to be reported using the Corporation which means employees of child support agencies and the financial institutions once again compelled the use of the social security, card, name and account number with out written permission, consent or authorization by the holder in due course to do so. Every letter that these financial institutions send in the mail will be used as evidence of identity theft in court and the acting Commissioner and/or the director for Social Security Administration will have to be present. Provide proof that TransUnion and IV-D Crime Family which is Child Support Services filled out a Ssa form to compelled the authorized use of the social security number and where the express agreement contract where We all agreed that these employees of private corporations could alter and sell the social security number for profit? If none of these items can be provided than theres mo verification and Eye would like the names of whos committing perjury!
Consumer complaint received 2022-07-25
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. (TX)

I've contacted XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX they told me I've never missed a payment, yet XXXX, Equifax, and XXXX refuse to fix the accounts from being listed late. They told me they are not required to allow me to dispute these inaccurate information any longer. I constantly have to do XXXX, Equifax, and XXXX 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to correct these damaging negatives from my profile.
Consumer complaint received 2016-11-16
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: NAVY FEDERAL CREDIT UNION (TX)

XXXX, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Navy Federal Credit Union damaged my Credit report. Even duplicating account information to the XXXX. 
I demand the following accounts be verified or removed immediately. Account Number Provide Physical Verification. 
1. NAVY FCU Account # XXXX XXXX 2. NAVY FCU Account # XXXX Unverified 3. NAVY FCU Account # XXXX Unverified 4. NAVY FCU Account # XXXX Unverified I hereby authorized NAVY FEDERAL CREDIT UNION TO RELEASE INFORMATION TO THE CONSUMER FINANCIAL PROTECTION BUREAU.. 
Thank You, XXXX XXXX XXXX
Consumer complaint received 2021-03-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

I tried to do a transaction from XXXX crypto currency wallet to my coinbase wallet, the money never appeared. I contacted XXXX  support they got back to me in 3 days telling me everything went fine on their side. Tried contacting coinbase 3 times and tried to call and still no response over a month. 

Transaction ID : XXXX Date : XX/XX/2021 Amount : {$440.00}
Consumer complaint received 2020-12-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (TX)

While trying to get the supporting documents that gives this company the right to report this debt to the credit bureaus like I was told from the first representative. During our conversation I was told that he would email over their document but first I had to open an investigation than after he would email it to me. However once he got information he claimed that he couldn't send the information because the item was under investigation and a different department has to handle it. I than asked to be transferred to a supervisor where I asked the same question and how long the process would take. The Supervisor than stated it would take however long they want take and that if I was not trying to pay the debt he was going to hang up because he has other customers waiting to pay them because me receiving that information was not important.
Consumer complaint received 2022-10-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (IL)

My student loans were transferred to Mohela recently. I have been trying to reach this company by phone ( only means of communication ) for over one week now. You can not email or chat with a representative. Each time I call, I am put in a wait cue for several hours. It doesn't matter what time I call. So effectively, there is no way to reach a live person or have communication about your student loans. 

I am trying to reach them because my reported loan information is inaccurate including my original loan amount and then number of payments made to date. Further more, it appears that I have gone from a interest of 1.97 % to over 4 % on the balance of the loan. My balance of my loan was suppose to carry a fixed 1.97 %. 

Additionally I am seeking and awaiting more information on the Biden One Time Student Loan XXXX XXXX debt relief. Per their site, applicants should receive " notification '' this month. I meet criteria for this debt relief and do not want to miss the deadline.
Consumer complaint received 2023-07-18
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: EQUIFAX, INC. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX XXXX Balance : {$810.00} XXXX XXXXXXXX Balance : {$300.00} XXXX  XXXX XXXX Balance : {$810.00} XXXX XXXX Balance : {$300.00} XXXX  XXXX XXXX Balance : {$810.00} XXXX XXXXXXXX Balance : {$300.00}