davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Bureau, Inc. (NY)

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2018-01-30
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)

XXXX  and equifax keep dropping my credit score, please see previous complaint, they raised score after complaint then 5 days later dropped it again 56 points, never late 18 % usage 8 accounts 6 have XXXX balance 1 had XXXX other XXXX perfect payment record i believe this is harassment for prior complaint, will not give any reason for credit drop
Consumer complaint received 2021-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Because of the XXXX  credit breach back in XXXX  I had over 43 XXXX XXXX credit cards put into my name I called the company and they said yes because of the breach they would wipe everything out but when I tried to dispute all of them on my credit report it took me over 3 years to get most of them off there are still 6 on there and they will not take them off my credit score has gone down significantly and it was not my fault I have been dealing with this over three years and it has been a struggle
Consumer complaint received 2018-01-30
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. (CA)

I received a late payment alert on XX/XX/2017, I called XXXX and they acknowledged that I did receive my payments and needed to turn my vehicle in. I explained I had already returned my vehicle and gave them dealer information. They still reported a 30 day late, I disputed with the credit bureaus and was able to remove the late from 1 of them. But 2 bureaus was not removed. I sent a letter on XX/XX/XXXX, they sent me paperwork showing my payments which were not late but still reporting a 30 day late.
Consumer complaint received 2024-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Get the fake bankruptcy off my credit report now! I've never been to court, and there's no judgment against me. Remove it immediately, or my attorney will file a federal case against you within 30 days no more delays! Take this seriously and fix it now! XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Filed on XX/XX/XXXX, XXXX XXXX XXXX  Please remove!!!
Consumer complaint received 2024-02-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Dont no this creditor or had any communication with this company information is wrong put a bill on my credit report that I never had fraudulent information on my Transunion credit report XXXX XXXX {$510.00} asked company to remove it fraudulent information XXXX XXXX company do not exist anymore
Consumer complaint received 2022-08-11
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. (FL)

Disputing Fraudulent Credit Inquiries Inquiries : XXXX XXXX  XXXX Inquiry date : XX/XX/2022 XXXX XXXX Inquiry date : XX/XX/2022
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

*** NOTE ; This Complaint has been formatted for submission to District Court in the event of non-performance by any of the Defendants. The word court as used herein is interchangeable and refers to the CFPB, FTC, SEC or whichever agency this complaint is submitted to. 

Failure to perform will be construed as exhaustion of my private administrative process and I will pursue multiple appropriate actions with each and all of but not limited to the following : District Court, the Attorney General, XXXX XXXX XXXX, the FBI, the SEC, and the FTC. 

This complaint HAS NOT been filed in any court of Law at present. 

To prevent the loss of formatting, to preserve readability, to protect my personally identifiable information and for the convenience of the parties SEE ATTACHED COMPLAINT.
Consumer complaint received 2018-01-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (CA)

On XX/XX/XXXX my Coinbase account got locked with {$30000.00} dollars in investments. 
I requested Coinbase to unlock my account the very next day So I could get access to my money and keep trading. 

I spoke with them 5 different times and they always say that they escalated my problem and that a specialist will help me unlock my account. 

They sent me a ticket number ( Case # XXXX ) but every time I email them they say the same thing. 

I have tried everything and its been more than 30 days since they kidnapped my account. 
I have no other choice than to make a complaint.
Consumer complaint received 2021-07-01
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)

I wan na help Equifax understand how to properly investigate and complete an investigation pursuant to FEDERAL LAW 15 USC 1681a ( e ) The term investigative consumer report means a CONSUMER REPORT or portion thereof in which information on a consumers CHARACTER, GENERAL REPUTATION, personal characteristics, or mode of living is obtained through PERSONAL INTERVIEWS with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, CHARACTER, GENERAL REPUTATION, personal characteristics, or mode of living. 

Equifax needs to INTERVIEW my neighbors about my CHARACTER, GENERAL REPUTATION, personal characteristics, or mode of living. 
Equifax needs to INTERVIEW my friends about my CHARACTER, GENERAL REPUTATION, personal characteristics, or mode of living. 
Equifax needs to INTERVIEW my associates or acquaintance 's about my CHARACTER, GENERAL REPUTATION, personal characteristics, or mode of living. 

Equifax has Fraudulently reported an alleged bankruptcy on my consumer report, so I'm asking them to investigate where they got this bankruptcy information from? Equifax has now seen how to properly investigate a consumer report pursuant to 15 USC 1681a ( e ). Lets hope they dont break federal law again.
Consumer complaint received 2017-09-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BBVA FINANCIAL CORPORATION (TX)

I was at a place of business requesting parts for my car to be ordered. At that place of business the local police had towed my car and kept my car at a tow service lot. I will leave out the reasons for this moment. If any pending legal matters. I did not find out that my car was towed and brought to a tow service yard until 27 days after it had been towed. I had called the tow service and the man had refused to speak to me on the phone. He had stated that I had to go there with a photo ID. I tried explaining to him that I had lost my wallet and had no photo ID. I then call the financing bank that I had the car loan with. They tell me that they had repossessed my car after 20 days of being at the tow service lot. What boggles my mind is how did someone find out the financing bank. Also what boggles my mind even more is that I had this car loan on Automatic Payment drafted from my checking account one per month. I was not struggling with any payments. The monthly payment was only {$270.00} a month. So I do not understand why my car was repossessed at all. My automatic payment was always sent on the same day for the same amount. I also keep full covered auto insurance. They never gave me an answer
Consumer complaint received 2021-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NC)

On XX/XX/2021 I tried to use the citi credit card to purchase online, it didnt go through. I got a test message asking me to contact the fraud department so I did. They told me my account is high risk, asked me to provide different information including my phone number, my other credit card numbers, even though I have already provided answers for the security questions. 
Citi has very poor service, the way they verify a legitimate customer is not tolerable. I spent more than a hour but the issue still doesnt get resolved.
Consumer complaint received 2024-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dispute the inaccurate and wrongful reporting of two specific charge-offs related to my accounts with XXXX XXXXXXXX XXXX  XXXX I am requesting the immediate removal and deletion of these accounts from my credit report, as they contain erroneous information and violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681i ( 5 ) ( A ). 
Upon investigation, XXXX XXXXXXXX XXXX admitted to billing my accounts incorrectly with additional fees and erroneously charged off the accounts, which were then sent to collections in error. These actions occurred while I was awaiting the results of a prior investigation that I initiated with the XXXX XXXXXXXX XXXX  fraud department regarding unrecognizable charges on my accounts. 
Attached to this letter are two written confirmations from XXXX XXXXXXXX XXXX which acknowledge the errors they made : Letter dated XX/XX/XXXXXXXX XXXX XXXX for the account ending in XXXX Letter dated XX/XX/XXXX XXXX XXXX for the account ending in XXXX
Consumer complaint received 2022-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

Wrote a checking to XXXX XXXX XXXX ( XXXX XXXX KS ) for first months rent for XXXX on XX/XX/XXXX due to online payment portal being down. Physically handed it to an employee on the same date. They claimed they lost the check. Paid rent again online on XX/XX/XXXX. The original physical check was cashed XX/XX/XXXX, processed XX/XX/XXXX. XXXX XXXX claims they do not process checks at a bank, the account number is not theirs and that the check never went through their system. The back of the check was clearly stamped with Bank of America and an account number. The original check was written from a bank XXXX account.
Consumer complaint received 2021-07-01
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: EQUIFAX, INC. (NV)

I have unverified accounts on my credit report that I have asked to see signed consumer contracts with my name that the credit bureaus did not investigate properly and are showing up as collections and one charge off that is affecting my ability to obtain credit. I have unauthorized credit inquiries on my credit report that I did not authorize. I have submitted letters to all 3 credit bureaus including the company 's and dates that the inquiries where submitted. I only gave my authorization for one bank to run my credit I now have 18 inquiries on my credit report mainly from auto finance companies. NEVER AUTHORIZED ANY DEALERSHIP TO RUN MY CREDIT THAT MANY TIMES. This is devastating to my credit report. The credit bureaus have not properly investigated my letters I asked for paperwork with my signature and they did not provide it to my according the the law usc 15 609 ( A ) Equifax Collections : 1XXXX XXXX/ account # XXXX XXXX. XXXX XXXX XXXX/ account # XXXX Closed Account : XXXX XXXX XXXX Account XXXX XXXX Non authorized inquiries : XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX Closed Account : XXXX XXXX XXXX XXXX Account XXXX XXXX Collection : XXXX XXXX XXXX N/Account # XXXX Inquiries : XXXX XXXXXXXX XXXX XXXX  XX/XX/202XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXXXXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXXXX/XX/202XXXX XXXX Closed account XXXX XXXX XXXXXXXX XXXX / Account # XXXX Collections : XXXX XXXX/ Account XXXX XXXX XXXX XXXX Account # XXXX Inquiries : XXXX XXXX XX/XX/2021 XXXX XX/XX/20XXXX XXXX XX/XX/2021
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (MA)

On XX/XX/XXXX, I traded in my previous lease in which was a XXXX XXXX XXXX, with the dealership, and got a new lease ( XXXX XXXX XXXX XXXX ). The account for the XXXX XXXX XXXX was then closed. I did not have any payments left on that car because I traded it in with the dealership for a new lease. I made the first payment for the new lease in XXXX with the dealership. And of course all of the subsequent months until present. In the month of XX/XX/XXXX, I paid my bill on the XXXX, ( for the XXXX XXXX XXXX ) the payment was applied ( not by choice ) towards the XXXX XXXX account that was closed in XXXX. I do not know if it could have been an error caused by the dealership or the bank. But as stated above, the account for the previous car was closed in XXXX when I traded it in. After many phone calls, and fights over the phone, I spoke with someone that was able to reallocate my payment from the account that was closed and applied towards the correct account, the XXXX XXXX XXXX XXXX. I have all proof needed to show payment was made on time and in the right month. But the Bank did not want to transfer it back to the correct account. This was then reallocated on XX/XX/XXXX ( 2 months later ). I paid every single car payment on time. The bank were the ones who reallocated only on a later date. There is no reason for the bank to report my account as " Delinquent ''. This has impacted my credit immensely. Making it very hard for me to do anything with poor credit, that was once very good. I would appreciate any kind of help to get that off of my credit report, since I have been paying every single on time.
Consumer complaint received 2021-07-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (TX)

I attended XXXX University online on or around XXXX taking classes towards my XXXX. I was informed at the time that I could withdraw from classes within 10 days per the financial aid rep/counselor. I had three classes and decided it was overwhelming due to just having a baby and was assured that this would not go against me adversely. With this misinformation my GPA dropped, started receiving emails stating that I owed over {$3000.00}. I then proceeded to settle the problem on different attempts with a letter of grievance, doctors documentation etc..
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (NJ)

Lending Club are currently reporting inaccurate late payments on my credit report ( s ), when they claimed to no longer have my account on XX/XX/XXXX, and that it has been sold to a company by the name XXXX, and i am to begin making payments to XXXX as of XX/XX/XXXX. 
I also filed chapter XXXX bankruptcy on XX/XX/XXXX.
Consumer complaint received 2024-10-12
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. (NY)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be removed. Per FCRA segment 605 you are expected to eliminate any records recorded on. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your persistent disobedience. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Dispute the inaccurate and wrongful reporting of two specific charge-offs related to my accounts with XXXX XXXX XXXX . I am requesting the immediate removal and deletion of these accounts from my credit report, as they contain erroneous information and violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681i ( 5 ) ( A ). 
Upon investigation, XXXX XXXX XXXX  admitted to billing my accounts incorrectly with additional fees and erroneously charged off the accounts, which were then sent to collections in error. These actions occurred while I was awaiting the results of a prior investigation that I initiated with the XXXX XXXX XXXX fraud department regarding unrecognizable charges on my accounts. 
Attached to this letter are two written confirmations from XXXX XXXX XXXX, which acknowledge the errors they made : Letter dated XX/XX/XXXX2024, for the account ending in XXXX Letter dated XX/XX/XXXX2024, for the account ending in XXXX
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Upon reviewing my credit report, I discovered several erroneous entries. The 3 credit bureaus are legally obligated to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is completely unacceptable to treat this reporting accounts as unverifiable without providing proof within the required legal timeframe. I demand that you investigate the unverifiable accounts listed below in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXXXXXX Balance Owed : {$6000.00}
Consumer complaint received 2022-03-31
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

On XXXX XXXX, Equifax issued a copy of my " credit file '' and it showed MANY inaccuracies and they are claiming them to be " accurate which are displayed in my attached exhibits. In response to my previous complaint ( XXXX ), Equifax deleted the personal information that I have tried to get removed since I first noticed that it was not correct on XXXX They refused to fix my DOB and are asking for my SSN card, driver 's license, and/or birth certificate even though I have ALREADY provided them with this information when I originally began disputing the validity of my report/file. Equifax is using this as a stall tactic. They are in violation of 15 USC 1681e ( b ). Equifax is now considered to be willfully noncompliant in pursuance to 15 USC 1681n. They are continuing to furnish inaccurate information and they are claiming to have verified this information as accurate but are unable to provide me with the process they took to ensure the information is accurate. The consumer report displayed by Equifax is completely fraudulent and their repeated failure to follow the FCRA demonstrates their incompetency. You can not claim to verify accurate information on a consumer when you are advertising the incorrect accounts, unauthorized inquiries, and wrong date of birth. There is no apparent evidence that this consumer report is truly mine based on the fact that Equifax has repeatedly ignored their responsibilities as provided by the FCRA.
Consumer complaint received 2021-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Upgrade, Inc. (CA)

I checked my credit card statement with Upgrade Loan/Credit Card company and I had a charge of XXXX dollars on my account from XX/XX/2021. This charge is from a hookah bar in XXXX XXXX Ohio. I reside in XXXX XXXX California and have never been to Ohio in my life. In XX/XX/2021 I filed a dispute with Upgrade in which they provided a provisional credit and said they would research the claim. Now on XX/XX/2021 I received an e-mail stating that my transaction dispute was declined and Im expected to pay the XXXX dollars. The customer service received was terrible and they were rude and in NO way are trying to resolve my transaction. I have experienced financial hardship due to COVID 19 and this company doesnt acknowledge that I cant just pay {$820.00} dollars.