davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

To my knowledge, FCRA 605B states that inaccurately reported accounts should be removed from credit reports. I'm uncertain about the specifics, but please review the accounts detailed in the documents. They're inaccurately reported on my credit history, including erroneous account information and statuses. This situation has upset me, and I'm feeling unwell. I'm reaching out for your assistance.
Consumer complaint received 2023-08-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (IL)

I received notification on my credit report regarding collections from XXXX XXXX XXXX XXXX XXXX # XXXX, with its original creditor XXXX XXXX. Ive never visited XXXX, nor its medical facilities. The collection date opened is XX/XX/2022, with a balance of {$1000.00}. 

Im requesting that the collections are removed from my account because it isnt mines.
Consumer complaint received 2022-04-14
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: Experian Information Solutions Inc. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2024-05-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (OH)

When I opened my account on XX/XX/XXXX they instantly block my account for review until XX/XX/XXXX but they continue lock it, after more 40 calls and a month passed they still my account under review and I request for my refund but they don't want to do anything about it, I fill a bank complaint but they said days has gone for it, this is not my fault because Coinbase.com gave me date to open my account and they keep me waiting for an email, but I just receive emails for more questions or same, i don't want their services I'm fustrated and i'm shirt looking for my refund.
Consumer complaint received 2023-07-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CL Holdings LLC (TX)

As of XX/XX/2023, I have not been able to adequately provide and take care of my family. I opened a new checking and savings account XXXX of 2023, and when I the consumer went to take a look at my account in XXXX, it was frozen with a balance of XXXX XXXXXXXX. I received a payment of {$300.00} to those accounts after the action was taken. I am unaware of who the Debt Collector is, nor what debt they are trying to collect. HELP PLEASE.
Consumer complaint received 2022-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-02-24
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: Upstart Holdings, Inc. (NJ)

I applied loan to " Upstart.com '' and i was denied, and the reason i was denied according to Upstart was, " They are unable to verify my ability to repay the loan base on XXXX XXXX XXXX, The Disclosure to use my information that they obtained from an outside source which is from the consumer reporting agency as part of the considaration of my application. '' My question is how come the reporting agency disclosed wrong information to the Upstart.com that i dont have ability to repay? On my file in credit Bureau i have a late payment record for 3-4 months on my XXXX Credit card because that was COVID 19 but after 5 months i fully paid my XXXX credit card. I didnt owe even {$10.00} to any bank or company in the whole world. And why the Consumer reporting agency disclosed wrong to all company when they verify my credit, that i dont have ability to pay., that's why I never approved. And now i know the reason i always denied everytime i applied credit card or loans that because the consumer reporting agency disclosed wrong info, and that is against the Law. 
I always thinking why, how come i am denied, i dont know whats the reason. All my friends was always approved even they have negative report worse than my credit report. Pls investigate and remove it in my file the negative hidden words " I dont have ability to repay '' thats why i always denied on any loan application, they hide from me and they report it to any bank and company that check my credit files Please help me why they do it to me. Please investagate why? Its not fair, i am suffering. Im so sad, they abuse me. Why, i am not a bad person, never ever commit any crime in my whole life. Never ever went to the court even ticket problem. Please help me.
Consumer complaint received 2022-08-29
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: Experian Information Solutions Inc. (TX)

I reached out to Experian today asking why they keeping XXXX XXXX Bank account {$940.00} on my consumer report? They received my ftc report. According to the Law 15usc 1681c -2 a consumer reporting agency SHALL block the reporting of any information in the file of a consumer that the consumer identifies as a information that result from an alleged identity theft, not later than 4 business days after of receipt by such agency. Experian received the certified mail on XX/XX/22 at XXXX. As of today is the 5 day. She stated they have to keep it 30days. Thats not what the law stated. This is a violation. 
15usc1681I for a negligent wanton investigation 15usc1681e ( b ) for failure to keep and follow reasonable procedures to assure maximum possible accuracy.
Consumer complaint received 2022-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER HOLDINGS USA, INC. (MA)

{$950.00} was withdrawn from a checking account by an XXXX XXXXXXXX. I do not know this person at all. This money was taken by fraud. The bank said I authorized this transfer, but I didn't. The bank sent my husband an alert after the fact. this is Santander Bank. The bank told me they have nothing to do with it. My husband and I have spent many hours with the bank trying to resolve this.
Consumer complaint received 2022-08-29
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. (OH)

In late XX/XX/XXXX, I was working at the XXXX XXXX XXXX XXXX XXXX in XXXX, Al ( XXXX ) and I owned a XXXX ( XXXX ) XXXX, and for some reason, my Insurance Policy was CANCELLED, in XXXX. As of today, XX/XX/XXXX, my Bank, the XXXX XXXX XXXX XXXX, has been allowing XXXX XXXX XXXX XXXX, to withdraw funds out of my Checking Account. Even though, XXXX has corrected this problem, this has been going on for THREE ( 3 ) YEARS NOW!!! This is causing my Credit Score to bottom out, creating other Financial Problems.
Consumer complaint received 2021-08-24
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. (NY)

I have contacted all three credit bureaus ( XXXX, Equifax , & XXXX  ) several times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ) via certified mail letters disputing errors on my credit report. The one in specific that I'm complaining about is XXXX XXXX XXXX XXXX. It is listed as a joint account under me and my wife name. This account does not belong to us. The credit bureaus has only sent responses saying it was valid/verified with no documentation bearing our signatures. I have also reached out to XXXX XXXX XXXX XXXX for validation ( XX/XX/XXXX & XX/XX/XXXX ) and they sent a generic letter that it was valid and another saying we didn't provide them with enough information, when we did. This is causing emotional distress and making it difficult for us to get approved for a mortgage. We need assistance with getting this off both of our credit reports as soon as possible.
Consumer complaint received 2024-03-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2022-08-29
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: Experian Information Solutions Inc. (NY)

On XX/XX/2022 XXXX XXXX XXXX sent a letter regarding inaccurate and unknown things on my credit report. 

This letter is a formal complaint that you report inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be removed immediately. 
It has been over 60 days and has caused me great hardship, 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to ensure that consumer reporting agencies I ask that these items be removed from my credit profile at once.
Consumer complaint received 2022-08-29
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: EQUIFAX, INC. (NY)

On XX/XX/2022 XXXX XXXX XXXX sent a letter regarding inaccurate and unknown things on my credit report. 

This letter is a formal complaint that you report inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be removed immediately. 
It has been over 60 days and has caused me great hardship, 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to ensure that consumer reporting agencies I ask that these items be removed from my credit profile at once.
Consumer complaint received 2022-04-14
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: U.S. BANCORP (NY)

Someone added me illegally to a US Bank Credit Card account as an authorized user without my consent or knowledge. Ive reached out to US Bank countless times about this situation. On XXXX XXXX in particular, a US Bank Representative by the name of XXXX told me that she knows fraud has been going on with this account because they havent been able to contact the primary account owner for quite sometime. She said I am not responsible for the debt and that the account would be deleted off my report within 30 days from XXXX XXXX. As of XXXX the account is still showing on my report. On XXXX XXXX I contacted XXXX to file a dispute over the US Bank credit account in question and to notify them of this fraud only for a day later on XX/XX/2022, for them to tell me that my dispute has been updated and the information is staying the same. Ive tried doing the right thing but Im tired of going back and forth. This US Bank account in question is not mine, I did not authorize anyone to add me as an authorized user, this debt is not mine and it needs to be deleted immediately! This is FRAUD!
Consumer complaint received 2019-08-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

Chase Bank fraudulent transaction Claim # XXXX closed per Update letter XX/XX/19 and removed XX/XX/19 credit of {$3000.00} from account XXXX XX/XX/19 while XXXX took care of a coworkers identical fraudulent transaction.
Consumer complaint received 2023-08-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WorldRemit Corp. (NY)

Worldremit and Remitly both blocked my account with them, stating there is an issue with me sending money to XXXX poor families in the XXXX. They would only give me their policy. I see nothing in their policy that I violated, and they refuse to tell me the real issue. I have sent this charity for more than 5 years. On more than one occasion the receivers stated that the XXXX government officials questioned them and there was no problem. I contacted the two companies and they would not reinstate my account, and would not give me opportunity to address the issue. Some of the recipients have a bank account and I send to their account, upon which they give some of the money to others. I converse with many of the recipients by text messages routinely and I'm convinced that they are all very poor and uneducated.
Consumer complaint received 2022-02-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TN)

I have sent dispute letters to XXXX XXXXXXXX XXXX. They have never validated the debt as requested. The only thing they have done was make a remark on my credit report. As I have stated to this company DOES NOT have my permission to report any information to the credit bureau. This is a VIOLATION OF XXXX XXXX XXXX ( XXXX ) ( XXXX ), XXXX XXXX XXXX ( XXXX ) ( XXXX ) and XXXX XXXX XXXX ( XXXX ) ( XXXX ). I was never given the opportunity to decide if I wanted my information reported. That is in reference in the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ). VIOLATION OF XXXX XXXX XXXX ( XXXX ) ( XXXX ). XXXX XXXXXXXX XXXX is not reporting accurate information. On my XXXX credit report, there is an " X '' placed on dates XX/XX/XXXX and XX/XX/XXXX where the data is unknown. I have supplied the XXXX XXXX for XXXX. If the data is unknown, this is not XXXX XXXX ACCURATE! That is a violation of XXXX XXXX XXXX ( XXXX ). XXXX XXXXXXXX is also in violation of compiling, furnishing, misleading, false and deceptive forms. That is in violation of XXXX XXXX XXXX. Pursuant to XXXX XXXX XXXX, XXXX XXXXXXXX must comply to any provisions to make my credit report compliant.
Consumer complaint received 2022-04-14
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. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-08-29
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: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 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 2022-02-24
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I called all 3 credit bureaus and was told to send in all my documents to sow that i had fraud committed against me.So i sent everything in and i still see the accounts on my credit I then call the documents in a 2nd time to make sure they have receive them I was told them and was going to have accounts remove
Consumer complaint received 2022-04-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2020-02-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Information Bureau, Inc. (GA)

The collection agency must update the information because I got approved financial assistance ( waived fees ) for the services provided. See attached letter from the hospital and letter from collection agency. This companies are never available to pick up the phone and they never sent me a bill before sending me to collection. The hospital is very disorganized with billing and is known that they overcharge patients with medical insurance. There is someone I know that have paid hundreds for a service that she got 2 years ago. Although she has insurance that is accepted by the hospital and for which she pay a high amount for that insurance the hospital has a really poor quality employees in billing department. They seemed to be prejudiced and bigoted and they judge people by race. I was denied a service recently because the billing assistant thought I didnt deserve to receive medical assistance for having an accent. Twice they have asked me to leave a fee in cash for any amount for services.