davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-27
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: Navient Solutions, LLC. (PA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 2022-11-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX  XXXX Balance : {$2100.00}, XXXX XXXX XXXX Balance : {$9300.00}, XXXX XXXX XXXX  XXXX Balance : {$8200.00}, XXXX XXXX  XXXX XXXX XXXX {$8500.00}, XXXX XXXX XXXX Balance : {$230.00},
Consumer complaint received 2021-05-07
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

To Whom It May Concern : My name is XXXX XXXX ( DOB :XX/XX/XXXX SSN # XXXX ). As ofXX/XX/XXXXlast month I reviewed my credit report and a Capital one credit card account unauthorized by me. This account is listed as an primary user in my name which I have absolutely no knowledge of!! I've contacted Capital one several times regarding this closed account however I havent received any correspondence to date. I had no knowledge of this Capital card ( XXXX ) that was opened onXX/XX/XXXX. I was XXXX XXXX XXXX. This card has caused problems causing me to get denied to enroll in college and further school opportunities. This has affected me from securing student loans and nearly caused me to be homeless. Im requesting the removal of this account immediately off of my credit report otherwise ill be moving forward by seeking legal action
Consumer complaint received 2023-02-16
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. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account Number XXXX XXXX has violated my rights. Or a list of inquiries 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-09-07
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. (TN)

Well the collection agency has on there like it is a new. listing or whatever when it first became delinquent and XXXX and they put it down there like it's XXXX so it will mess my credit up even more and they will not fix the issue I reported it to XXXX I reported it to XXXX and Experian and not one of them has fixed the issue they say it is accurate when it is not and they're telling me it will come off my record in XXXX and it's messing up my credit even worse than what it should be right now
Consumer complaint received 2019-08-19
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. (NV)

According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX****, XXXX   XXXX****, XXXX (Original Creditor: 1XXXX XXXX XXXX) XXXX****, XXXX (Original Creditor: XXXX XXXX XXXX XXXX) XXXX**, XXXX XXXX XXXX XXXX****, US DEP ED XXXX****, US DEP ED XXXX**** and XXXX XXXX XXXX****
Consumer complaint received 2022-11-17
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. (MI)

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 FEDERAL TRADE COMMISSION or https : //www.ftc.gov 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 of the erroneous information which 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 XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; Chapter XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-05-07
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. (PA)

I had noticed on my Experian credit report that on two of my XXXX XXXX, credit accounts the payments were being falsely reported 30,60,90 days late. 
I filed a complaint with Experian 0n XX/XX/XXXX, and they processed the complaint to XXXX XXXX. 
XXXX  XXXX response stated that there original reporting was accurate and that they were not going to make any adjustments. 
On XX/XX/XXXX I started to use XXXX XXXX, a credit managing company that were making all of my credit card payments religiously. Even after presenting blatant proof of the payment report from XXXX XXXX, showing that all of the payments were made on time from XXXX through XX/XX/XXXX, XXXX XXXX and Experian refused to make the proper adjustments. 
These fraudulent acts has damaged my credit score for years! 
On one account : It shows from XX/XX/XXXX - XX/XX/XXXX, 30,60,60,60 days late, all false. 
On the other account : From XX/XX/XXXX - XX/XX/XXXX, 60,90,90,90,90,90,90,90.90,90 days late, all false.
Consumer complaint received 2022-07-20
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. (CA)

On XX/XX/XXXX, XXXX XXXX  checked my personal credit without my given consent On XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX checked my personal credit without my given consent On XX/XX/XXXX, XXXX  XXXX XXXX checked my personal credit without my given consent
Consumer complaint received 2022-04-27
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. (TX)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC1681 Section 604A Section 2 : It also States a consumer reporting agency can not furnish a account without my written consent.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as a late for any purpose.
Consumer complaint received 2021-05-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (PA)

I am filing a complaint with your office because TRUIST wrongfully closed three bank accounts ; the account I share with my husband, XXXX XXXX, the account I have with my mother, XXXX XXXX, and my account where I am the only user. I have been with TRUIST for over twenty years, and my husband and I have had a joint account with TRUIST for over three. In that time, we have never as much as bounced a check nor have we have ever overdrawn our account. Despite our solid history with TRUIST, we received letters stating that our accounts would be closed within 30 days but stated no reason as to why TRUIST was closing the accounts. The person who signed the letter, XXXX XXXX, who is the Sr. VP of Operations with TRUIST refuses to return our calls. As a matter of fact, TRUIST is not allowing any of its employees to speak with us except for XXXX XXXX, who is either unable or unwilling to tell us why the accounts are being closed. 

It is my belief that the accounts are being closed because TRUIST is retaliating against us for filing a complaint with TRUIST regarding how they handled a merchant dispute. Over the last month my husband and I have filed several merchant disputes regarding trips we had taken to XXXX  and XXXX. In almost all of the cases the merchants provided us with a credit. In addition to the credits that appear on our bank accounts, XXXX XXXX sent us a physical check which we deposited yesterday. Given that the merchants voluntarily issued a credit shows that the disputes we opened were indeed valid. We provided sound reasoning as to why we were filing the disputes and anytime a merchant issued a credit we notified TRUIST and requested that the provisional credit be taken back. In one instance, I called and emailed the XXXX XXXX Department for two weeks to have a provisional credit removed from the account. 

The merchant dispute that caused us to file a complaint was for a restaurant in XXXX XXXX XXXX. TRUIST erroneously assumed that we received the meal that we paid for, but we did not. My husband and I did everything we possibly could to communicate to TRUIST that we paid for a meal that we never received but they would not take that into account and refused to work the dispute. After spending weeks trying to get TRUIST to properly understand the situation we filed a complaint on XX/XX/2021, at the suggestion of XXXX XXXX, who is a supervisor in TRUISTs Retail Payments Department. The next day the letters stating our accounts would be closed were generated. 

Clearly TRUIST is retaliating against us for filing the complaint. The fact that the letters stating our accounts would be closed were generated the day after we filed the complaint is not a coincidence. What makes TRUIST actions even more suspicious is that they are refusing to provide any reason for closing our accounts.
Consumer complaint received 2022-07-20
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. (NJ)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX XXXX XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States that I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : States that a Consumer Reporting Agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-27
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-04-27
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. (TX)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC1681 Section 604A Section 2 : It also States a consumer reporting agency can not furnish a account without my written consent.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as a late for any purpose.
Consumer complaint received 2023-03-31
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. (NJ)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2020-09-08
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: Westlake Services, LLC (NY)

I recently checked my credit report and notice unauthorized inquiries from XXXX  XXXX XXXX XXXX  and XXXX. I recently applied for a credit card with XXXX  XXXX and got approved but I didnt apply for an auto loan or go to any dealer so Im sure this is fraud activity. I called the company and they said they would get back to me in 24 hours and its been 3 days. I want these inquiries removed from my report ASAP.
Consumer complaint received 2020-09-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I previously sent you a request for verifiable proof of the accounts listed on my credit report that were not mine or were inaccurate. You took the 30 days required by law and still you failed to provide the necessary proof of these inaccuracies. You are required by law to have the original creditors documentation on file to verify this information.

You have failed to comply with Section 611 of the FCRA and I demand these accounts be removed from my credit report immediately!

I have also requested that all unauthorized inquiries be deleted from my credit file. You have failed to do so and I demand that any inquiry that does not have my signature attached to it be removed immediately
Consumer complaint received 2022-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (MD)

I have tried numerous times to log into https : //www.marcus.comXXXX to access my credit card account info including the current payment due so I can pay the card. The web site does not work. I then called the credit card number provided, XXXX, and could only obtain my balance information ( after 2 disconnects on their end ) and could not get payment due nor could I get a real person to talk to. My credit account transferred to Marcus by Goldman Sachs in XXXX. I had an issue last month as well ; couldn't log onto the site and couldn't get anywhere with trying to call customer service. This is unacceptable and frustrating. I shouldn't have to file anything about this.
Consumer complaint received 2021-05-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (CA)

I opened an account at BinanceXXXX in XXXX of 2021. 
I funded the account with a XXXX XXXX transfer and exchanged some to XXXX. I then tried to ACh transfer {$300.00} to my account. This transfer showed in pending status for two months and now shows as settled. I even deposited another XXXX cash in my account. 
All my accounts are settled and in positive balance. But my funds are still blocked from trading or transfer. 
The Binance website sites that the accounts will be reactivated within 5 business days of payments settlement. In my case it has now been two months and all my ticket requests are going to the XXXX  .There is never a response from Binance XXXX 
Binance customer service does not exist
Consumer complaint received 2021-05-07
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. (PA)

I have file a dispute in regards to the incorrect items on my credit report. It has been well over 30 days I haven't received any investigation results.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XX/XX/2020 XXXX XX/XX/2020
Consumer complaint received 2021-05-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Collections Enterprise, Inc. (MD)

Hello, I have sent 3 letters via certified mail to ( American Collections Enterprise inc ) on the dates below notifying them that they did not validate this is my debt, instead, they sent me all my personal medical records that violate my HIPPA rights. I was not sent a HIPPA release form and that makes them having my personal medical records without my permission against Federal law. They have yet to respond or remove this account from my credit report. requesting Dates letters sent : XX/XX/2021 XX/XX/2021 XX/XX/2021 XXXX claimed I owe : {$1500.00} Thank you, XXXX
Consumer complaint received 2018-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

I am showing this account several times on different reports but I am noticing once the account appears to be sold, the open date is constantly changing. This account originally appeared over 5 years ago so it is impossible for this account to just be opened XX/XX/2018. I do not feel it is right to keep reselling a debt and then changing the open date on it. This is a violation of the FDCPA and this is inaccurate reporting.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND NOTICED YOU ARE REPORTING INACCURATE INFORMATION IN THE PERSONAL INFORMATION SECTION, TO DIMINISH SPECULATION BELOW IS MY LEGAL NAME XXXX XXXX, PLEASE DELETE ANY OTHER NAMES AS THEY ARE NOT MINE AND I HAVE NEVER USED ANY OF THEM.
Consumer complaint received 2021-05-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BAM Management US Holdings Inc. (NV)

I download it to binance us app on or around XX/XX/XXXX I went through the process of identifying myself with my ID and photo / selfie I was informed my basic identification what's complete so over the over the next few weeks I loaded money on the app using a XXXX XXXX ATM so as the value went up and my situation changed I wanted to withdraw my funds then realizing there was another step to the advanced verification process so I have to repeat the first two on top of adding financial statements from my bank but I can't do the third step does my account has been pending for weeks I get no help from customer service and I need my assets
Consumer complaint received 2021-05-07
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. (SC)

I recently reviewed a copy of my Experian credit report on XX/XX/2021 and noticed an inquiry that was unauthorized, inaccurate, or made in error by XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX