davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

Citizens One Auto Finance located at XXXX XXXX Rhode Island places an inquiry on XX/XX/2018 XXXX XXXX located in XXXX Alabama, XXXX XXXX XXXX XXXX XXXX has many unauthorized inquires appearing on all 3 of my major credit bureaus. The FCRA protects consumers against these unlawful practices. I have requested that this inquiry be removed from my credit report unless they can provide a signed application and a copy of my government issued ID.
Consumer complaint received 2019-07-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (AZ)

Coinbase closed my account due to a violation of their terms of service. They did not indicate what the violation was. Immediately I lost access to my account and was directed to a page online to have my cryptocurrencies transferred to a different wallet. I followed the process but the funds were not transferred and are still held within Coinbase. I have called and emailed and re-attempted to transfer for days, with no response from customer service. I have no access to my funds and can not retrieve them from Coinbase. They are holding {$4000.00} that I had invested with their service and I have no access to my own money. I did not initiate the account closure and simply wish to withdraw my money, but can not get even a simple reply from the company.
Consumer complaint received 2021-12-01
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Name : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Wrong Addresses : XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Employers : XXXX XXXX  Date Updated : XX/XX/2020 XXXX XXXX Date Updated : XX/XX/2020
Consumer complaint received 2019-07-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (NC)

Hello, I have a couple of issues with my account that needs immediate attention. The first issue was ignited after speaking with credit counseling services. They told me that I needed to hurry up and make payments before interested attaches to my account. His statement was not accurate and really frustrated me because my promotional expiration date was for 60 months. I dont understand how that could have possibly changed because thats what I signed up for during my initial purchase at XXXX. Not to mention its on my XXXX / XXXX statement ( which I have attached ). 

My Second issue has to do with how my payments have been applied to my account. If you look at my XXXX / XXXX statement and compare it to my XXXX / XXXX statement under SUMMARY of Promotional and Standard Balances you will see that Credit Plan # XXXX, XXXX, and XXXX are still somewhat close to what the outstanding balances were in XXXX. Which is odd because there is no interest on these items and they should have all been paid off by now. Especially being that I open this account back in XXXX of XXXX. In addition to that, when you look at the promotion expiration dates on the two statements. My XXXX / XXXX statement states that my promotion ends in year XXXX but my XXXX / XXXX statement says my promotion ended XXXX of XXXX ( which is inaccurate ). Unfortunately, I couldnt go back any further to gather more information due to the limitations of XXXX
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (WA)

I have a debt from XXXX XXXX, and it was first made more than XXXXyears ago. But yet all of the credit agencies and XXXX XXXX are saying that the account was opened this year. I have not made any payments, no collections have been made, and I have not contacted them nor they contacted me. So the dates are being forged. Also the original creditor. ( XXXX XXXX ) sold the debt to a company called XXXX XXXX XXXX or something like that. And as far as I am aware, it is illegal for them to trade/sell the debt to another debt collector.. and that they have to first even ask me if it can be on my credit report. 
I believe that after XXXXdays the debt collection agency is no longer able to try and collect this debt from the debtee which they have tried to do.. I receive phone calls at random intervals and times from debt collectors, but I do not tell them who I am so it won't be a " contact '' for them. 

Please look into this and remove it from all of my credit reports. Thank you.
Consumer complaint received 2018-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (OK)

Our homeowners insurance decreased significantly in XX/XX/XXXX following a review after fire codes in our area had significantly improved. Our insurance had just been paid from our escrow account so the insurance company sent a refund for around {$4000.00} to us & our mortgage holder. My husband spoke with Statebridge and they said they would submit a request for an escrow analysis. We never heard anything from them so he called again a few months later. They said that they didnt know anything so the customer service representative told him they would submit another request for escrow review. Several months passed so I called the lady told me the same thing. She would submit a review of the escrow and that she should know something the next week. I called the next week & she recommended that I write a letter explaining the situation so she could submit it with the requests. I promptly emailed my letter. After still no answers I called on XX/XX/XXXX and spoke with XXXX XXXX at Statebridge. He told me that they only do escrow reviews annually and that ours wasnt due until XX/XX/XXXX. I am very frustrated that after several months of them telling us that they would submit a request for a review that now they are saying it was never a possibility. Not only are they holding our {$4000.00} but they are also charging us around {$300.00} extra every month that is going into our escrow account.
Consumer complaint received 2022-11-30
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: ALLY FINANCIAL INC. (TX)

I have XXXX fraudulent activities on my credit report. I several hard inquires on my credit report that does not belong to me. 
Inquires 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 2019-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (CA)

My 2015 XXXX XXXX lease was ending I returned the lease XXXX XXXX, 2019. My car was never repossessed. Honda financial services has reported the car as a repossession. I have made several phone calls to Honda financial and filed 3 disputes with XXXX regarding the matter. I have been trying to get this issue resolved since XX/XX/XXXX2019 and it still has not been resolved. I spoke to XXXX from Honda financial XXXX/XXXX/19 and was faxed a letter stating the repossession has been removed but accordning to XXXX, Honda financial is still reporting it as a repossession.
Consumer complaint received 2019-07-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a debt of Bank of America which was written off by the bank XX/XX/XXXX without my knowledge. I went to the bank XXXX XXXX since a law group kept on delving on XXXX XXXX Clerk File and garnishing salary from my work.This case has been closed.I paid a lesser amount to the bank to close this debt XXXX I sent them checks. I will greatly appreciate if this case will be resolve.
Consumer complaint received 2021-12-01
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. (CA)

I settled a debt with XXXX for a car loan on a close account from 2015. I called from a XXXX and on a recorded line XXXX representatives states that my settlement of {$1500.00} would remove this from my account. After filing a dispute with Experian the results came back as if I never settled with XXXX and the results said XXXX said everything was accurate. This is XXXX as the FCA confirms my rights ; I have a receipt of the transaction, and a recording of the settlement. This is now causing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-21
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)

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 items 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 items : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX A XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$1800.00} XXXX XX/XX/XXXX
Consumer complaint received 2023-03-21
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: EQUIFAX, INC. (AR)

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 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 These companies have violated my rights. 

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

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

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 inaccurate.
Consumer complaint received 2023-03-21
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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2023-03-21
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXXXXXX : {$1700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$9200.00}
Consumer complaint received 2019-03-12
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. (NY)

TransUnion reported me having 1 past due account. And they lowered my FICO tremendously compared to the last month. 
I requested my credit report and there is no late payments. 
I called TransUnion and representative confirmed that I don't have any delinquent accounts. 
When I told him about this problem he said he can't do anything about it. 
I need to apply for a credit card for my business and can not do it because of the unfairly lowered FICO score. It is affecting my business and my life.
Consumer complaint received 2023-03-21
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. (NY)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please delete the account below : XXXX XXXX XXXX
Consumer complaint received 2023-03-21
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. (NJ)

My fico report shows a steep decline in my Equifax score. Comparing the scorers it shows that equifax is the only cra to report a recent delinquency while the other two show the opposite and have a positive payment history. The fico score shows equifax at XXXX using their scoring method while the fico website says that its XXXX using their XXXX  XXXX. I call equifax and tell them there is an issue with fico, the score that banks actually use. They told me if its not on their report on their site then they cant do anything. A XXXX  XXXX account was closed in XX/XX/XXXX and it marked as closed on my fico report yet in XX/XX/XXXX equifax randomly shows that I made a payment but it does not show this on the equifax site. Fico shows that it has been zero months since my last late equifax reported payment.
Consumer complaint received 2022-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (MI)

XX/XX/2022 Amount : XXXX ( Did honor balance transfer ) Citibank issued me a check in my XXXX of XXXX statement. The check was to transfer a balance from another charge card. The apr 0 % for 12 months. Also, I received guidelines how the check was to submitted and I called Citibank to ensure I complete it correctly. I did that on XX/XX/2022. 

1. CitibankXXXX XXXX I spoke to three customer representative and the third one finally told me how to complete the check ( from Citibank ). 
2. XXXX XXXX I completed the check the way the Citibank representative have informed and mailed it to XXXX. 
3. XXXX XXXX Citibank didnt pay the check. 
4. I called Citibank XXXX, XXXX  to fine out why they didnt pay the check. 
A. I spoke to XXXX and she said because my account wasnt eligible for the offer. So, I asked to speak to her manager. 
B. The manager said the account wasnt activity. So, I asked to speak to someone higher up. 
C. XXXX of the manager ( XXXX ). She said the previous representatives told me the incorrect reasons and she would complete a dispute report to find out why the check wasnt paid. She completed the report and she would call me XX/XX/XXXX, at XXXX XXXX. She never called me back. 
5. XX/XX/XXXX, I called Citibank and I spoke to XXXX she said the check wasnt paid because offer was for new account only. I told her in the XXXX statement information didnt state that. She said she would write that information on my dispute report. 
6. XX/XX/XXXX, I called Citibank to check the status on the dispute report. 
A. Spoke to XXXX in the dispute department and she said the check was completed incorrectly. I asked to speak to her manager. 
B. XXXX was the manager and he said the reason the representative gave me was incorrect. He told me to call XXXX to see the reason why Citibank didnt pay the check and to call XXXX with the reason. He also said a dispute report had never been completed and he would complete one. 
7. XX/XX/XXXX I called Citibank with the information. I spoke to XXXX and he said, didnt see anything in my file and no dispute report was in my file.
Consumer complaint received 2023-04-05
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)

After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. Experian is reporting late payments on multiple accounts ( XXXX XXXX XXXX ) and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave XXXX written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states 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 method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to Experian violated my consumer rights by allowing these late payments/utilization to report to my consumer report!
Consumer complaint received 2022-12-15
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. (MO)

When I reviewed my credit report, I discovered that some of the information was erroneous. XXXX and TransUnion must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$6900.00}
Consumer complaint received 2022-12-15
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. (SC)

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 15 USC 1681. 

Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : 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 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 inaccurate.