davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-06
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. (GA)

Fraudulent accounts are appearing on my Experian credit file. I have file identity theft report to make bureaus aware of this incident. I was told by Supervisor Mr. XXXX in the fraud department with Experian, if I file FTC identity theft report. The accounts in question would be blocked. I have taken the liberty to do just that. However, the following account contain in this complaint still remains on my credit file. I have been unable to obtain credit due to someone using my identity to cause me harm. Please assist me CFPB in resolving this matter. I became aware of this incident when applying for a mortgage. Thanks for your time and attention in regards to this matter.
Consumer complaint received 2017-11-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (CA)

This money wire/digital wallet company forces users to provide all their personal and bank info e.g. Social Security #, DOB, account & credit card numbers etc. All of which they claim is used to " verify '' your identity. However, they are now using unethical delay tactics with no rhyme or reason to prevent users from trading in their Bitcoin ( digital currencies ) into dollars. One of those tactics is locking people outside their accounts by claiming the system does not recognize their devices. This happened to me except I know for a fact I have used the same computer to login countless times with no problem until now ; ever since the price of Bitcoin has risen ( today : XXXX XXXX 2017 ).
Consumer complaint received 2018-09-26
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (CA)

Every morning, for the past several weeks, beginning from approximately XXXX PST, and sometimes earlier, I have been receiving a series of harrassing phone calls from XXXX XXXX XXXX from the following number ( XXXX ) XXXX. 

These phone calls are repetitive every 30 seconds or so at least 4 times. I work nights and am generally still sleeping at XXXX XXXX -- I have tried to explain this to PayPal representatives with no change ini their tactics. 

call log : ( for past week only, previous weeks have been similar ) XX/XX/XXXX -- 6 calls between XXXX-XXXX XXXX XX/XX/XXXX -- 2 calls between XXXX -XXXX XXXX XX/XX/XXXX -- 6 calls  beteween XXXX-XXXX XXXX
Consumer complaint received 2019-02-20
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. (NC)

The following events occurred over the last 17 years which I believe led to the my identity theft. In XXXX I lost my social security card, in the year XXXX I was affected by the XXXX data breach, XXXX I was affect by the XXXX XXXX security breach on my account for my children, XXXX I lost my wallet which included my state issued drivers license and other information and I lost my social in the year XXXX as well. I believe the above events led to thieves using my identity to open the accounts reported.
Consumer complaint received 2024-02-01
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. (FL)

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-01
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. (NJ)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-20
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)

please remove all the information FCRA violations : See ATTACHMENTS : XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family MR- XXXX XXXX XXXX XXXX XXXX TX , TX XXXX Resident type - XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Apartment complex XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$610.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$13000.00} written off. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$10000.00} Status Account charged off. {$9600.00} written off. {$3300.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$5300.00} Status Account charged off. {$4900.00} written off. {$1700.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$8000.00} Status Account charged off. {$7800.00} written off. {$4800.00} past due as of XX/XX/XXXX. 
XXXX XXXX ASSOCIATE Potentially negative Date opened XX/XX/XXXX Balance {$1800.00} Status Collection account. {$1800.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$780.00} Status Collection account. {$780.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative
Consumer complaint received 2019-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (WA)

I paid my account on time using their website and 30 days after the website notified me that i had paid my account on time the company notified me that they never received my payment. This caused a 30 day late pay to be put on my report. Which has caused me to not get the best rates possible for my home loan. I have tried to get the reporting corrected by going thru the credit bureaus but have not been successful.
Consumer complaint received 2019-02-20
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I paid for a fraudulent service and my bank would not give me my money back even after i provided them with evidence stating the merchant would give me my money back.This event happened in 2017. Since then I have been trying to sue the individual and he has been unresponsive and not accepting court documents. Before attempting to sue, my bank did not give me my money back. I called them several times and requested a call back from the investigator but the investigator put notes in the system that my phone kept going to a busy signal.

Now that its been a year and ive tried various attempts to get my money back My bank is claiming that the claim is too old to reopen.
Consumer complaint received 2023-08-23
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. (FL)

To Whom this may concern, I am not responsible of this account. I am a victim of ID theft. People have used my information to open it and also make fraudulent activities. I have sent in multiple disputes and you guys claim it's been validated ; Therefore, I am invoking the Fair Credit Reporting Act Section 611 ( FCRA 611 ) ( 15 U.S.C. 1681I to ask that you provide me with the following information : 1. The date you contacted the creditor.

2. The contact information for the creditor.

3. The name of the person who verified the item to you.

4. The method of communication you used to verify this information.

and secondly There is a Collection on my report, you guys claim that is not there and I have verified that it's on my report. 
-- -XXXX XXXX XXXX, Date fraud began XX/XX/2023 Total fraudulent amount : {$1400.00}
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (IA)

In the fall of 2020, I needed a free credit report and went online to get one, using Experian*. After I submitted the information, the website stated that I could have it immediately, and not wait, if I agreed to sign up for a monthly service. The service could be cancelled by calling a phone number, so I decided to sign up. 

A month later, I tried calling their special number -- but it was always busy. 

Then I called again -- and entered all of the required information ( e.g., SSN, birthdate, etc ) -- and it would ask, " Do you want to cancel? If so, Press XXXX ''. Then I would Press XXXX, and it would say, " We need more information to process this '' -- and take me back to the very beginning where I needed to enter SSN and birthdate. I would do all of this, and once again, it would say, " We need more information ... .. '' Because of this 'infinite loop ', you never get to cancel!!
Consumer complaint received 2024-02-01
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: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Greetings I have initiated a dispute with TRANS UNION to remove unauthorized Inquiries they have failed to validated that I initiated. I have asked and requested for TRANS UNION to respond with validated proof that I authorized these inquiries per the Fair Credit Reporting Act. I have provided requested documents to TRANS UNION including a copy of my filed Identity Theft Police Report to get this issue resolved in which they requested. I have also reached out to the creditors to validate these unauthorized inquiries belong to me. Below are the reporting Inquiries that should be Removed / Deleted from my TRANS UNION credit report. 

Reporting Inquiries : 1 ) XXXX XXXX - Date Filed : XX/XX/XXXX 2 ) XXXX XXXX  - Date Filed : XX/XX/XXXX Should you need any additional information please let me know. Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX   XXXX XXXX, PA XXXX
Consumer complaint received 2017-11-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

On XXXX XXXX XXXX I wrote a check to XXXX XXXX XXXX to hold an appartment for me. That same week I decided against that apartment complex and called up told them I changed my mind and wanted to pick up my check. They assured me that it would be destroyed and there was no need for me to come get it. Fast forward to XXXX of this year XXXX. The check came out of my account on XXXX XXXX XXXX. There was no signature but mine and no endorsement. I called Bank of America up right away and reported the fraud. At first they would not accept my claim because they said I wrote the check and it was my responsibility to get the money back. After a few days of me calling obsessively they agreed to investigate on XXXX XXXX XXXX. They refused initially to give the money back to me in a credit but they decided to do so shortly after the claim was submitted. Fast forward to XXXX XXXX. There was a debit that came out of my account for the said check. Immediately I called Bank of America and they said my claim had been denied and that they had sent me an email stating the reason and the date the temporary credit would be taken from my account. I have received no such letter. As of XXXX XXXX I have called everyday trying to get copies of that denial letter and a copy of my fraud statement that I sent in to Bank of America in late XXXX early XXXX. They keep giving me the run around. Today XXXX XXXX I called again to get my information and they were having technical difficulties and I was advised to call back in an hour. Since this debit my account has become overdrawn and my checks returned. I have tried to explain to Bank of America that I did not even have any notice or time to make sure that debited amount was in my account so that I didnt have these issues and it has fallen on deaf ears. I just want them to admit fault and return my money back. It is not right because this is a clear case of fraud and a stale dated check and they told me Its my responsibility to get money back from I do not even have a clue. Ive been a customer for almost 12 years and I have never been so wrongly treated.
Consumer complaint received 2017-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

There is an address reporting on my credit report through XXXX XXXX XXXX XXXX XXXX md in 2009 and it belongs to XXXX XXXX XXXX I did not live at this address I was living with my parents in XXXX XXXX XXXX XXXX XXXX DE XXXX attending XXXX XXXX.
Consumer complaint received 2020-11-03
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENOVA INTERNATIONAL, INC. (VA)

Have received several scam emails within the last years but most recently received a letter from XXXX XXXX XXXX threatening legal action and fraud due to a NSF that happened over 8 years ago. The amount requested is over 4 times above the original amount.
Consumer complaint received 2023-01-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX Balance Owed : {$330.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate informations. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. 

XXXX XXXX Balance Owed : {$750.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you. 

XXXX XXXX XXXX Balance Owed : {$9400.00} - XXXX believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy. 

XXXX XXXX XXXXXXXX Balance Owed : {$2300.00} - Please check the Payment History and Status information on this account. It is entirely wrong, to begin with. I was never late on this account because I make my payments on time. My record shows that I never missed a payment. Please update all late immediately. The current status is all wrong and a scorable category. Please update for legal accuracy. Thank you. 

XXXX XXXX Balance Owed : {$1700.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you.
Consumer complaint received 2023-01-09
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. (AR)

I am sending you this CFPB complaint as a follow-up to the one I already filed asking that the fraudulent accounts and information you report on my credit file be immediately deleted. I've heard that you are legally obligated to delete any accounts and information that were created as a result of my identity being stolen under the Fair Credit Reporting Act section 605b. On XX/XX/XXXX, I sent a dispute letter together with comprehensive attachments of my personal identification documents and the ID THEFT Report I had just received from the FTC. As soon as you can, please delete the following things from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX. Investigate the disputed items and remove them as quickly as you can, in accordance with Federal law. If you couldn't find a valid reason to keep reporting the disputed items, remove them from my credit file right away.
Consumer complaint received 2023-01-09
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. (AR)

I am submitting this CFPB complaint to you to follow up the previous CFPB Complaint I submitted requesting the immediate deletion of the fraudulent accounts and information you report on my Credit File. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to my identity being stolen. I sent a dispute letter on XX/XX/XXXX, with complete attachments of my personal identifying documents as well as the ID THEFT Report I received from the FTC. Please remove the following items off from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Please comply with the Federal law and investigate the disputed items and remove them as soon as possible. If you found no legal basis to continue reporting the disputed items, immediately deleted these items from my Credit File.
Consumer complaint received 2023-01-09
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. (NC)

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 ; XXXXXXXX XXXX XXXXXXXX, MI XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-09
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. (NC)

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 ; XXXXXXXX XXXX XXXXXXXX, MI XXXX ; XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act 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 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions