davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-19
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: AES/PHEAA (CA)

Hello. My name is XXXX XXXX. I recently Check my credit report and find out there is something wrong on my credit account and other credit histories. I never attended college or university before but there is student loan is on my credit report. I already talk to the credit report company that. but student loan still showing on my credit report until today. I don't know what to do. 
I'm going to hire a lawyer and sue these credit report company and Need to Remove student loan Asap. I'm reporting these XXXX, XXXX, XXXX   today. I already mail to them but they don't response my request for loan application which is identity theft and where did I apply loan and loan sign up. They should reply mail back to me with evidence in 30 days. but they didn't do that. Please Help me to remove wrong information on my credit report. I really frustrated with my situation. Please help me.
Consumer complaint received 2019-04-19
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)

I went to the dealership shopping for a new car. l was approve with an extremely high interest rate so I checked my credit report to see why my rate was so high. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. XXXX 
XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. INQUIRIES : XXXX XXXX.  I have contacted the FTC and my local police. Im also doing this on my own behalf.
Consumer complaint received 2019-04-19
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A. (TX)

I attempted to open a high yield savings account in XXXX, and PNC said I'd receive a response by email within a few days. Not only did they not email me, they rejected my application citing the Patriot Act saying they were unable to verify my identity. At no point did they give me a chance to submit further material. I submitted my driving license information and several attempts to rectify this resulted in " I don't know what happened '' from the company, including from the escalation agent, the consumer verification department, and the Patriot Act compliance branch of the consumer verification department. Nobody has been able to tell me what's going on, and numerous people straight-up just said they had never heard of this issue before. The Patriot Act compliance branch was also a third-party company and the person there was going on about some nonsense about how adverse credit events can be a cause for rejection, but still this person had never heard of a Patriot Act rejection before. She said she could try to fix the issue if I handed over an inappropriate amount of my personal information to this third-party company but there were no guarantees.
Consumer complaint received 2019-04-19
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)

I went to the dealership shopping for a new car. l was approve with an extremely high interest rate so I checked my credit report to see why my rate was so high. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. XXXX. 
XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX. XXXX XXXX  XXXX, XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX. INQUIRIES : XXXX/XXXX, XXXX. I have contacted the FTC and my local police. Im also doing this on my own behalf.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2019-04-19
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. (SC)

On XX/XX/19 Experian added a collection on my report ( {$1300.00} ) from XXXX XXXX XXXX for the same charge which was deleted on XX/XX/19. They allowed a collection agent to place a debt on my report which the company previously investigated, found to be false and deleted. This is fraudulent and illegal. I believe experian is selling my personal information to outside collection agents.
Consumer complaint received 2019-04-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (SC)

On XX/XX/19 Phoenix Financial Services placed a collection on my XXXX credit report for {$1300.00}. This debt was previously expunged from my credit report ( XX/XX/19 ) due to another collection agency verifying the debt had been paid and the charge was fraudulent. I tried to call the number listed on my report and was hung up on by the rep
Consumer complaint received 2019-04-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

A dispute was created on XX/XX/XXXX regarding an existing issue. The issue is that a negative pay status was reported on my account on XX/XX/XXXX which caused credit score to decline. Since XX/XX/XXXX my credit has been increasing due to timely payment, loan pay-off, etc. Credit score has increased by at least 30 points. Recently, an inquiry/dispute was opened with Experian due to new evidence which I believed would have been helpful for Experian to over-turn the neagtive pay status. On XX/XX/XXXX, 10-days after the dispute was opened, Experian reached out with the dispute result. 

The result stated that the negative report can not be over-turned. The issue is that Experian removed the negative pay status that was created on XX/XX/XXXX and re-inserted the negative pay status once again on XX/XX/XXXX which caused credit score to decline sharply. Not only there was no gain from the dispute/inquiry created with Experian, but somehow the dispute adversely affected my credit score. I was not warned that creating a dispute will cause credit score to decline. I have been paying all my bills on time which was causing credit score to increase. It is extremely unethical for a credit reporting agency to adversely affect a credit score for a simple inquiry. This adverse activity was not caused by new untimely payment or any new issue. The negative pay status had already existed and nothing was gained. 

I am asking that Experian would re-adjust the negative reporting status as well as the credit score. A  simple dispute should not decrease a credit score by any margin. I have been paying all bills in a timely manner. If I had know this would happen, I would have never created an account or created any inquiry/dispute. The dispute was outstanding for only 10 days and there was no again. My credit score was adversely affected by creating a dispute, how is this ethical?
Consumer complaint received 2023-07-06
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. (SC)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2019-04-19
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. (IL)

I was advised to contact you guy because my fiance and I are soon to be in the market to purchase a home. I prepared by checking my credit report to know my score. While doing so I noticed a few of items that are not mine. These items need to be deleted from my credit report. I reached out the the FTC and the local police. I am also doing this on my own behalf. XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX/XXXX XXXX/XXXX. XXXX XXXX XXXX, XXXX, XXXXXXXX. Inquiries : XXXX { XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX. XXXX/XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2019-04-19
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. (IL)

I was advised to contact you guy because my fiance and I are soon to be in the market to purchase a home. I prepared by checking my credit report to know my score. While doing so I noticed a few of items that are not mine. These items need to be deleted from my credit report. I reached out the the FTC and the local police. I am also doing this on my own behalf. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX, XXXX, XXXX. Inquiries : XXXX  { XXXX, XXXX, XXXX XXXX XXXX, XXXX/XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2023-10-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NH)

LVNV FUNDING LLC C/O RESURGENT CAPITAL has the wrong dates on my credit report causing me a huge issue costing me alot of money date of last payment should be XX/XX/XXXX they have on my credit report the date they bought the account as XX/XX/XXXX which is against the law. 
also need account info everthing is wrong on the credit report can not do any research using this wrong information on my credit report which is also against the law
Consumer complaint received 2019-04-19
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. (GA)

I was advised to contact you guys regarding some things on my credit that is not mine. I went to the XXXX dealership and test drove a XXXX. I really need a car so I went home and checked my credit report just to make sure my score was ok. While doing so I noticed a couple of items on my credit report that are not mine. I have contacted my local police and the FTC. I need these items deleted from my report. 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. Inquiries : XXXX XXXX, XXXX, XXXX. XXXX</XXXX XXXX  XXXX XXXX.
Consumer complaint received 2019-04-19
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)

I was advised to contact you guys regarding some things on my credit that is not mine. I went to the XXXX dealership and test drove a XXXX. I really need a car so I went home and checked my credit report just to make sure my score was ok. While doing so I noticed a couple of items on my credit report that are not mine. I have contacted my local police and the FTC. I need these items deleted from my report. 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. Inquiries : XXXX XXXX, XXXX, XXXX. XXXX/XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-07-12
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. (PA)

I noticed this account with XXXX XXXX XXXX XXXX back in late XXXX that appeared to have been opened without my knowledge or consent. I am deeply concerned about the fraudulently activity associated with it. I have also contacted the major credit bureaus about placing a fraud alert on my credit file and I will be freezing my credit to prevent any further unauthorized accounts from being opened in my name. I would like to emphasize that I have never applied for or authorized the opening of this credit card account with this company. It is clear that this account was established as a result of identity theft, and I am eager to resolve this matter promptly.
Consumer complaint received 2022-08-18
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Went to do a car loan with XXXX XXXX XXXX of XXXX XXXX Fl. Worked with XXXX XXXX, and through verbal communication we where assured our credit pull once was good for thirty days. Hard credit pulled- good for 30 days. One hard credit pull was legally agreed to. They did a hard credit pull three additional times, without consent. 

Ive attempted to have this issue fix since XX/XX/XXXX of 2019. I have attempted to have Experian Creidt monitoring help, their phone service does not allow help via phone. I can not make these changes on my own, through there website. I need help. Ive also contacted XXXX review, voice messaged the general manager XXXX XXXX  XXXX and those three unauthorized hard credit pulls are still on my credit report for three years. I want them removed, please. 


Ive even write a hard felt plea to please help remove those unauthorized hard credit pulls. 
Here are the unauthorized hard credit pulls -XXXX XXXX  -XXXX/XXXX XXXX  -XXXX XXXX XXXX
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-12-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (DC)

Greetings CFCB, I recently joined Coinbase on XX/XX/XXXX. I went through all the verification steps, provided ID, SS, Address, 2 part verification - email, sms and XXXX authetication and was approved. I made 3 trades using my bank to fund - 2 purchases of Bitcoin  ( XXXX ) and 1 {$3500.00} purchase of XXXX  ( XX/XX/XXXX ). They allowed those ACH transactions to process and my bank completed them. 

The next day, without warning, provocation or explanation - Coinbase set my account deposit and withdraw limit to {$0.00}. When I try to do wire transfers - I get a prompt of 'how to ' but cant actually select a wire as an option. 

I am locked out from adding to or withdrawing funds from Coinbase. This is absolutely unacceptable. They are de facto holding my account, my trades and my money hostage. 

I submitted a request to increase the limit multiple times and was denied. I tried multiple linked bank accounts all of which had limits set to {$0.00}. I filed a request to Coinbase to troubleshoot and only received auto generated email responses that took days to appear. I then filed a client complaint and they dodged this issue. I went on XXXX and XXXX requesting help - No response. There is no 24/7 support or call center number to talk to a human. I feel completely helpless. Ostensibly, Coinbase took my money and disappeared. 

Can you please help me and refer to all screen grabs. It's a lot of money for me and I do not know what to do.
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (IL)

Comenity Bank XXXX fraudulently opened a credit card for me without my knowledge or consent. I called Comenity Bank XXXX to cancel the card. However, they asked me for personal information such as social security, address, phone, and date of birth before they would cancel, and I'm concerned about providing additional sensitive information to an unscrupulous and fraudulent company. I hung up and do not know what to do to close this card. 

Comenity Bank XXXX also conducted a " XXXX  inquiry '' on my credit report without my knowledge or consent. I've successfully removed the inquiry from my XXXX and XXXX credit reports. However, XXXX will not remove the hard inquiry from Comenity Bank, despite me filing a fraud report and requesting credit protections.
Consumer complaint received 2020-12-17
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. (NJ)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2023-02-24
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

IVE BEEN TRYIN REPEATEDLY TO REMOVE AN UNAUTHORIZED ADDRESS FROM MY XXXX AND XXXX CREDIT PROFILE FOR 2 YEAR NOW. IVE CONTACTED THEN BY PHONE, LETTER, AND EMAIL STILL NO POSITIVE RESULTS. I ALSO HAVE UNAUTHORIZED INQUIRIES.
Consumer complaint received 2020-06-06
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)

XXXX XXXX XXXX XXXX THIS COMPANY IS REPORTING A 30 DAY LATE FOR XX/XX/2018. THIS COMPANY CAN NOT VERIFY THE ITEM. ITEM IS UNVERFIELD ITEM. IN VIOLATION OF 609.
Consumer complaint received 2023-07-12
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: Experian Information Solutions Inc. (NC)

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.
Consumer complaint received 2019-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Strategic Alliances, Inc. (FL)

This is a work-mans comp case that was PAID by my work. Date of Injury : XX/XX/2018. I was contacted by health care facility ( XXXX XXXX XXXX ) several times regarding this issue, than I passed on information to my work-mans claim dept. Not sure why it was forward to collection, but it eventually showed up on my credit report. I have spoke to my work-mans claims reps several times regarding this issue and was provided with the following documentation to support this issue.