davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-03
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. (MI)

On XX/XX/XXXX I contacted Transunion regarding the billing error on my account with XXXX XXXX, XXXX XXXX credit card, XXXX XXXX XXXX, XXXX XXXX and XXXX. Pursuant to 15 usc 1666a ( a ) collection activity includes furnishing any information on this subject matter to any consumer reports there should be no publication or advertising of any kind until the dispute is resolved.

Pursuant to 15 usc 1692 I invoked my remedy to cease all communication and collection activity on this alleged account. Transunion continues to furnish this innacurate alleged information. 

I also stated that I so do believe I am a victim of aggravated identity theft under title 18 us code 1028a on multiple occasions XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX has knowingly used without lawful authority a means of my identification in order to compromise my financial reputation. I also demanded a certified copy of the ORIGINAL certificate of indebtedness in order to verify XXXX, XXXX XXXX, XXXX  XXXX and XXXX XXXX is in fact the holder in due course there is in fact a proof of claim of this debt. Without this I can not verify and there can not be any valid claims of alleged debts in the name of my principal obligor. 

On XX/XX/XXXX I called Transunion to resolve the matter of innacurate information reporting and to let them know the above accounts were In billing error notice, I was hung up on by an agent which is defined as abusive practices pursuant to 15 usc 1692. The supervisor also explained to me that they would continue to furnish this information due to their protocol. When I explained to her that this was against the law according to 15 usc 1681b she ignored me and stated it would continue to report. This has caused me XXXX XXXX due to my credit being damaged due to their negligence.
Consumer complaint received 2021-05-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (FL)

I would like to report unauthorized transactions made on my Coinbase account. This is to ensure Coinbase is advised of all steps taken by me, in an effort to work with Coinbase to resolve this matter and regain access to my Coinbase account. 
XX/XX/XXXX : Text came that my XXXX password was reset. On Phone w/XXXX, I get text that Coinbase password was reset. Asked XXXX for SIM Lock & Port Freeze. XXXX  rep reset my PIN, changed password. 
XX/XX/XXXX : Called Internet Service Provider, XXXX by XXXX to change password on email used to login to the XXXX and Coinbase. 
XX/XX/XXXX : Received emails from Coinbase for following four unauthorized transactions : 1 ) {$100.00}, 2 ) {$400.00}, 3 ) {$80.00}, 4 ) {$35000.00}. I called Coinbase XXXX to deactivate my account, and completed online form providing details. I received Coinbase email ( Case # XXXX ) with directions to take security precautions, and reply back when ready to restore access to my account. On XX/XX/XXXX, I completed all precautions and replied to Coinbase to restore access to account. 
XX/XX/XXXX : XXXX XXXX XXXX shows 2 transactions pending ; stop payment on both {$400.00} and {$35000.00}. Changed all banking and credit card passwords. 
XX/XX/XXXX : Called XXXX, spoke to XXXX. She said someone accessed XXXX account on XX/XX/XXXX, reset password, changed SIM card number within XXXX account. That allowed criminal to make unauthorized transactions remotely from a new SIM card and phone. XXXX put port freeze and SIM lock on account. 
XX/XX/XXXX : Email response from Coinbase state they are working with a specialist to address this issue ; to follow-up as soon as they have update. 
XX/XX/XXXX : Email from Coinbase stated the {$35000.00} and the {$400.00} transactions failed. If I dont take action, in 5 days they initiate automatic recovery. 
XX/XX/XXXX : I Email Coinbase with additional information and request status of their investigation of this issue. 
XX/XX/XXXX : I sent online inquiry to Coinbase for status update and request account access. They replied by email, and have passed all my info on to an account specialist reviewing the case ; state it generally takes 4-5 business days. 
XX/XX/XXXX : I sent email inquiry to Coinbase asking for account specialist to respond with update and help me restore access to my Coinbase account. 
XX/XX/XXXX : Corporal Landis Suwannee County Sheriffs Department took info and documentation to share with investigators in his office and file police report regarding the unauthorized transactions reported to Coinbase. 
XX/XX/XXXX : I filed identity theft report with the Federal Trade Commission regarding the unauthorized transactions reported to Coinbase. 
XX/XX/XXXX : I sent email inquiry to Coinbase asking for account specialist to respond with update and help me restore access to my Coinbase account. 
Further details such as case numbers, or transaction codes can be provided upon request.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I was a victim of identity theft. My identity was used to open LIST THE ACCOUNTS HERE. I have no knowledge of these accounts and did not authorize these accounts. This has extremely affected my XXXX XXXX  and my ability to get approved.
Consumer complaint received 2021-05-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc. (CA)

A collection agency, USCB AMERICA, is trying to collect an alleged debt I owe to XXXX XXXX in California. I expressed my desire to settle the debt it had been provided and was a justifiable charge. These would be the same requirements I need to submit to my insurance company in order to be reimbursed in a timely manner. 
No proof or document has been provided so far. All I receive is an incessant bill in the mail that includes interest on the alleged debt. I am not refusing to pay but I need to justify and prove to my health insurance carrier, in a timely manner, that I need to be reimbursed for the medical expense. I am 80 years of age and I am having difficulty getting the proof I need. I have written my healthcare providers and have not heard from them either. Please help.
Consumer complaint received 2024-03-22
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (IL)

I attended XXXX XXXX XXXX XXXX and XXXX in XXXX from XXXX. They changed their name to XXXX XXXX shortly after. I have a private loan that has an accrued an interest of {$7300.00} when the loan was for {$4000.00}. My mother also took out private loans for my schooling currently totaling {$14000.00}. 

Navient originated predatory subprime private loans to students attending for-profit schools and colleges with low graduation rates even though it knew that a very HIGH percentage of such borrowers would be unable to repay the loans. Navient made these risky subprime loans as " an inducement to get schools to use Navient as a preferred lender '' for highly profitable federal and private loans without regard for borrowers and their families, many of whom were young, like myself, and ensnared in debts they could never repay. 

Navient had a multi-state settlement a few years back where they gave private loan debt relief to borrowers who had XXXX consecutive months of delinquent payments prior to XX/XX/2021. What a SLAP in the face for the people who literally struggle month to month to pay these XXXX loans!!! I can't get approved for a home. I can't get a car loan unless I pay outrageously high interest rates. If I'm even a couple days late, Navient is already calling and emailing every chance they get. I'm afraid of Navient calling my job or garnishing my wages which is why I try to be on time with payment but as a single mother of XXXX who's on public aid, it gets very difficult. 

After this settlement, Navient got out of the federal loan business due to scrutiny from lawmakers and borrower advocates and Navient had to pay restitution to the federal student loan borrowers for not informing students if XXXX XXXX XXXX student could have enrolled in but instead steered towards forbearance. 
Navient has been sued at least half a dozen times for other predatory loan practices and illegal collection practices.
Consumer complaint received 2023-03-30
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. (MI)

I have tried disputing items reported to my credit report already and the accounts have not been verified accurately and deleted even after investigations were done. The following accounts are reported to my credit reports inaccurately after complete investigations by credit reporting agencies : 1. Account number - XXXX : Fair Collections and Out Balance : {$5900.00} Original creditor : XXXX The XXXX XXXX  Reported : Dispute investigation completed on XX/XX/2023 ( credit karma ) 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 604 A section 2 : if also states a consumer reporting agency can not furnish an account without my written consent. 

2. Account number - XXXX : XXXX XXXX XXXX : {$470.00} Reported : XX/XX/2023 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 604 A section 2 : if also states a consumer reporting agency can not furnish an account without my written consent. 
3. Account number : XXXX : XXXX XXXX XXXX Original creditor : XXXX XXXX Balance : {$360.00} Reported : Dispute investigation completed on XX/XX/2023 ( credit karma ) 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 604 A section 2 : if also states a consumer reporting agency can not furnish an account without my written consent. 

4. Account number : XXXX : XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$170.00} Reported : Dispute investigation completed on XX/XX/2023 ( XXXX XXXX ) In accordance with the fair credit reporting act convergent 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 : if also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2023-01-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (IL)

Trying to lower my payments with them and they told me that they can't do it then I called to get my routing number change and they told me that they can not change My account number all change and they told me they can not do it
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 — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I was a victim of identity theft. My identity was used to open LIST THE ACCOUNTS HERE. I have no knowledge of these accounts and did not authorize these accounts. This has extremely affected my credit score and my ability to get approved.
Consumer complaint received 2020-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts.

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2022-04-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

I mailed MOV letters on XX/XX/XXXX Sent failure to respond letters on XX/XX/XXXX Sent 611 letters on XX/XX/XXXX Sent another round of MOV letters on XX/XX/XXXX just to be sure These letters were all pertaining to my bankruptcy record on my credit report. The bureaus have 15 days to respond showing how they verified bankruptcy, and did not respond either time. 

I sent each of these type of letters to ALL THREE BUREAUS. I have only attached those for XXXX to avoid redundancy.
Consumer complaint received 2018-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION (VA)

I signed for a checking account with M & T bank. I signed up in person with a paper coupon that was emailed to me. The coupon ( XXXX ) stated that if I open the account and have direct deposits of {$100.00} or more I will receive a bonus of {$200.00}. I had confirmed with the bank that i had met all the requirements. Then when I asked when the bonus will be posted the reply was to wait 45 days. After 45 days i asked again. The bank informed me that I did not qualified. Even though I have coupon and was already told that I have met all the requirements I still have not received the sign up bonus.
Consumer complaint received 2021-12-03
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. (OH)

ON XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. 
Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted
Consumer complaint received 2021-05-06
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: EQUIFAX, INC. (OH)

XXXX XXXX COLLECTION IS REPORTING {$1600.00} A INCORRECT ACOUNT ON MY CREDIT REPORTS. THE ACCOUNT IS NOT MINES ME AND MY FATHER HAVE NAME.
Consumer complaint received 2023-03-11
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (TX)

We placed XXXX XXXXXXXX into a CD with citi back in XX/XX/2022. They never sent the full account number or any way for us to access the account online. We tried to get resolution to access the account and they have been unhelpful and stonewalling. They sent a debit card, but we dont have a checking account so this didnt solve our access. They wont give account numbers over the phone, but never gave us the information to begin with. We have no way to login and track or manage this money. No statements, no online access, no account information, nothing. Every remedy they tell us to try has required the system to update overnight, but nothing changes. We cant even close the sunny and just get the funds back. At this point, weve been robbed.
Consumer complaint received 2020-12-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau of the South, Inc. (LA)

This started in XX/XX/2020. I monitor my credit report and a negative collection showed up. It was for XXXX dollars. I have called many times to the collection company and I was told to call the original debtor. I have never received a bill or a notice that I owe this and could dispute this. However I did dispute through the credit bureau. The dispute was ended by the collection agency somehow. To this day neither have validated the debt. I have also called the original debtor and have not received anything to prove the debt
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 — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account status Closed Status updated XX/XX/XXXX Account type Credit Card Payment status Charge-off Balance {$3700.00} Balance updated XX/XX/XXXX Credit limit {$3000.00} Terms Revolving
Consumer complaint received 2020-09-07
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: EQUIFAX, INC. (MS)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2023-02-01
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. (NM)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which 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 Balance XXXX {$2800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2023-02-01
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. (CA)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/23 but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX Balance {$0.00}