davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-28
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)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-01-28
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)

In a CFPB complaint ( XXXX ), I have tried to correct information held on file pertaining to myself- the information is incorrect and needs to be verified. I have asked many times to have this verified and it is generally completed in XXXX - I have asked for them to check their verification as the I formation is not correct. But they claim it has been done yet show no evidence of any verification process. 
I have asked CFPB to look into this. It resulted with a blanket, nonsensical response to which the case was also closed without any proof of verification. 
Please, provide proof of verification and remove all inaccurate entries from my account- I have not applied for any loans with any of the services shown on my file - there is no signatures from me requesting those applications and at no time have I authorised anyone to acquire information regarding my credit to the companies I have disputed. 
This process is designed to protect the consumer, but it seems it is manipulated by the reporting agencies. 
Please verify and provide evidence of any credit application you have against me, or remove the inaccurate information immediately.
Consumer complaint received 2022-04-12
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. (NY)

Consumer Financial Protection Bureau To Whom It May Concern : I am writing to file a complaint against Experian. 

I recently disputed some inaccurate and damaging information on my credit report. First of which being XXXX XXXXXXXX XXXX account number # XXXX I contacted the original creditor which told me I don't have a account with them. This Account doesn't report to any of the other bureaus Experian is solely report this inaccurate information. 
Only Experian is reporting it this way no other of the XXXX major reporting bureaus. 
Experian is also reporting my two open XXXX XXXX XXXX  accounts, account numbers # XXXX & # XXXX as closed. These accounts are open and the creditor has sent proof of such to all XXXX major reporting agencies only Experian are reporting the accounts as closed. 

Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with Experian. 

I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. 
Thank you for your assistance. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SS # XXXX
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

For several years to-date, XXXX and XXXX are committing some criminal activity on my Credit Reports XXXX XXXX effort to suppress my XXXX  account and my Credit Scores, Ive never Reported a balance on this account since I received this pitiful little Secured XXXX Card, I mean really! This month XXXX Reported a {$260.00} balance due on this account, again Ive never once had a balance on this XXXX XXXX card account. To Counter this threat by XXXX XXXX XXXX, at my beautiful creative XXXX years and at the mere age of XXXX, I keep forgetting that XXXX a XXXXXXXX XXXX and Ive got to use other Resources besides the CFPB, Consumer Financial Protection Bureau, because of this personal threat by XXXX XXXX XXXX, For this Cause, Ive Reached out to the U. SXXXX XXXX XXXX XXXX Elder Fraud & Abuse, their XXXX XXXX XXXX XXXX at XXXX to investigate this threat to both myself and other XXXX XXXX across the country to investigate this Real threat to the XXXX XXXX XXXX XXXX to-date. Please help with this investigation and threat with this blatant disregard & criminal activity by XXXX XXXX XXXX with False Accuracy of Reporting under the Fair Credit Reporting Act, FTC. Federal Trade Commission, 15 U.S.C. section 1681 & 1682. Im going to bring attention to every Federal agency available, see because if these REPORTING AGENCIES are threatening me like this with the wealth of knowledge Ive got, these criminals are certainly Dumbbells if you ask me, Real Dumbbells!
Consumer complaint received 2022-04-12
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. (GA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-04-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (WI)

My account has been disabled on binance.us with zero messages for why this happened. I realized there may have been a chargeback issue with a bank deposit, but since then I have resolved the chargeback and have a positive balance of us dollars in my account. I have opened up a few tickets with the customer service and no response or my cases were closed without resolution.
Consumer complaint received 2021-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (CA)

For the past year, I've been paying off on time the full balance on my PayPal Mastercard by Synchrony Bank. As usual, the last payment of {$920.00} posted on XX/XX/21 was an online banking electronic transfer ( not a check ) and they had my money in their pocket the next day. Yet, so far to date, they have put a " hold '' on my payment for no good reason and did not update my credit card balance for half the next billing cycle in effect rendering my PayPal Mastercard useless. They did not even notify me of their action and I had to find out on my own by keep checking my summary online and finally calling them. The girl on the phone had no explanation, kept just apologizing for the decision, and basically was telling me it is what it is until they decide when to reflect my payment. Apparently, they can sit on $ XXXX of your money for as long as they want and answer to no government agency. The online consumer reviews of this bank can't be any lower : XXXX XXXX XXXX XXXX XXXX XXXX https : XXXX
Consumer complaint received 2021-04-19
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. (AZ)

On XX/XX/2021 and XXXX. XXXX, 2021 and I sent in 609 letters and have yet to receive a response back from the bureau or the creditor. I sent in supporting documents and I have called multiple times to get the problem solved. It has been past 90 days and i have yet to get results back from an investigation and the inaccurate information on my credit report has hindered me to apply for new credit. The bureau is neglecting the FCRA laws.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Equifax Is in violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : I have contacted Equifax numerous time in reference to the XXXX XXXX XXXXXXXX opened XX/XX/XXXX. This is a fraudulent account that is reporting on my credit report. It says CLOSED with Last payment of XXXX XXXX, XXXX, with a payment made in XX/XX/XXXX. I am a victim of identity theft, this is not my account
Consumer complaint received 2022-09-28
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America declined my application to obtain a credit card for the wrong reason when I do qualify. 

They stated they were told I had a pending bankruptcy and I included their accounts. This is incorrect information which is not found on my credit report
Consumer complaint received 2022-01-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (FL)

Received American Express prepaid card from Serve on XX/XX/22 to my address for XXXX XXXX XXXX, someone that Ive never heard of and who has never lived at my address. I called the customer service number XXXX and there were no options to speak with an agent. The best they could do in their digital response was to refer me to CFPB.gov if I had any complaints. Apparently someone is fraudulently using my address to obtain this prepaid card.
Consumer complaint received 2022-04-12
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. (NC)

In accordance to the Fair Credit Reporting act XXXX  account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 120 day late payment, XXXX XXXX XXXX XXXX 30 and 60 day late payment have 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-04-09
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. (MT)

I am having major issues with Equifax fixing a split file. It would seem that my file is split, as I have removed the security freeze from my report, yet when creditors pull my report, it comes up empty or states there is a freeze and can not be pulled. They claim I have no freeze on my record. I have faxed them the correct documents at my cost 3 times now, and they claim they lost or can not read them. No one on the phone has any idea what to do or make claims that nothing is wrong. Something is definitely wrong with my report. I have called over 10 times now to resolve this issue and it is not getting resolved.
Consumer complaint received 2017-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

As of XXXX/XXXX/2018 the information shown on my credit report is not correct. This account was reported as cancellation of debt on XXXX in the amount of {$670.00} but yet shows on credit report as past due and and balace with all three credit bureaus. The account is with kohls.
Consumer complaint received 2017-08-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Central Credit, Inc. (HI)

Received a collection notice in the amount of {$3500.00} for maintenance fees on a timeshare from Continental Central Credit , inc . The amount includes {$1100.00} in fees from previous collection company " XXXX XXXX XXXX, '' and {$880.00} in fees from Continental Central Credit , Inc . The original debt was {$1400.00}. We attempted to make payments to XXXX who returned our payments when made. We disputed the debt for excess fees greater then allowed by law, but nothing happened. Now this new collector " Continental '' is attempting to collect {$3500.00} by adding {$880.00} in fees on top of the {$1100.00} in fees tacked on by XXXX to the original debt. XXXX sold the debt to Continental including their collection fees. The original contract does not include allowed interest or excess fees. XXXX also tacked on interest from the beginning, adding interest before they actually owned the original debt which is not allowed under the FDCPA.
Consumer complaint received 2022-01-28
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. (MI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XX/XX/XXXX n cant provide to myXX/XX/XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2021-08-29
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP (FL)

I XXXX XXXX entered into a consumer credit transaction with US Bank on XX/XX/2016. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is suppose to include insurance, but US Bank made me purchase insurance separately.
Consumer complaint received 2022-01-28
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. (OH)

Despite requesting validation ( in the form of an original contract ) from the bureau, I've not received any original contracts, and the information on my report still exists. 

I have attached an original FTC Report I sent on XX/XX/17. I filled a complaint but They responded that the information was correct and ignored my request which the law states that I am able to request the contract that they have on the file between me and this company
Consumer complaint received 2022-01-28
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. (MI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2019-07-08
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. (TN)

I submitted disputes to the 3 credit bureaus regarding inaccurate reporting of a bankruptcy on my credit reports. XXXX  deleted the inaccurate information, Equifax and XXXX would not delete the inaccurate information. Equifax and XXXX  said their information was verified as accurate. The third party company ( XXXX XXXX ) in which XXXX and Equifax claim they received the information stated they could not verify the information as accurate and has deleted the information from the report and requested XXXX and Equifax remove the inaccurate/unverifiable information as well but they did not. If the third party ( XXXX XXXX ) in which XXXX and Equifax say they are getting accurate information is stating the information is not verified and accurate how can XXXX and Equifax report this as accurate?! I have attached documents from the companies stating the above and I would like to have the inaccurate information removed from my XXXX  and Equifax reports as soon as possible for they are violating the Fair Credit Reporting Act ( including but not limited to Section 623-b ).
Consumer complaint received 2022-01-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

1. tried to transfer money into coinbase XXXX  2. clicked the wrong button and knew this transaction would fail so I left all of the money in Coinbase XXXX  so it could be retrieved back by them once it failed 3. they are now trying to collect the money through a different website ( Coinbase regular ) and threatening to liquidate my holdings. They have not given me any option to use the actual money mentioned in point 2 sitting in coinbase XXXX which is from the actual platform the money was transferred, perfectly viable, and the right amount to settle all funds/clawback. I have spent several frustrating hours on their support line to try and fix this bug/issue with their system with over 7 support representatives. 
4. Given everything stated above, they are making the only way to resolve to send MORE money. They already have their money in coinbase XXXX so this is not necessary or ethical.