davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-20
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: Experian Information Solutions Inc. (NV)

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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items 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 items which do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2022-02-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (NY)

Can you assist with two issues? 

LOAN ISSUE : In XX/XX/XXXX, I purchased a 2021 BMW X7 car from BMW of XXXXXXXX XXXX NJ and financed it through BMW Financial. 

In XX/XX/XXXX, the car broke down due to a pre-existing defect with the car that the dealership failed to disclose to me. 

The car was in the BMW service center for over a month and a half ( XXXX XXXX ), as they could not fix it. 

Finally, in XXXX, the dealership provided me with a new car, although we had to pay the cost difference. 

From XXXX XXXX, XXXX to mid XX/XX/XXXX, when I got the replacement, I continued to make payments on my loan. I was also initially not provided with a loaner, but then eventually provided with a smaller loaner but not allowed to drive more than certain miles per day. 

So in effect, for a month and a half, I continued to to pay for a car that I no longer had access to because it was sold to me with a defect. I called BMW and they refused to waive or assist with the that period. 

I don't think that it is right that I had to pay a month and a half for a product that I did not have access. 

ROLLOVER EQUITY ISSUE Second, when they gave me the new car, they did not carry over all of the payments I made to the old, defective car to the new car. In effect, they wiped those old payments clean as if I never made them. I did not get credit in any way from those old payments to BMW Financial. 

This doesn't make sense- they sold me a defective car and should give me a replacement vehicle, but effectively what they did was sold me a defective car and as a " remedy, '' allowed me the privilege of buying yet another car with no credit for any of the prior payments.
Consumer complaint received 2022-02-04
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. (TX)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Account : XXXX XXXX XX/XX/XXXX {$0.00}. XXXX : XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2015-08-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

My name is XXXX XXXX XXXX, XXXX with the United States XXXX, and I fell behind my Mortgage Payments after an expensive bitter divorce. I applied for a Loan Modification while I was XXXX, and my Lender Wells Fargo offered a Loan Modification on XX/XX/XXXX. I negotiated while XXXX, by phone and mail, and now feel that my Lender did not offer me the best options or provide me with the proper guidance, but rather looked at my income that increases while in XXXX, and now reduced as I am nearing my retirement and assign to XXXX. 
I have requested a re-Modification to consider my current financials for over a year and have been toss around to different Specialists, whom are XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX and each one have asked for different documentations with no one taking my calls or that of my Third-Party Representative to provide any status on my Request. 
Nearing my Retirement of over twenty years, I want to remain in my home, and simply ask for a revaluation of the Modification for a 30 year term instead of the 15 year term that I was encouraged to accept. As professional Mortgage Lender, I should have been given the best options, after being encourage to " do it yourself '' rather than use a Third-Party.
Consumer complaint received 2022-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Reliant Financial Corporation (CA)

I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MA)

I attempted to order credit reports online. That failed indicating that they could not fulfill the request online. 

They gave a phone number. I called the phone number. Three times in a row, I was in a phone tree, and then a brief phone queue, and the facility reported that the call could not be completed and I should call back again.
Consumer complaint received 2016-11-04
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Pressler & Pressler, LLP (PA)

Pressler and Pressler have harassed, threatened me for a fraudulent debt they purchased from XXXX XXXX since XXXX XXXX. I requested a copy of the signed contract with XXXX, an itemized " bill '' and proof that I opened a credit card, they refused. The judgement expired on XXXX and Pressler and Pressler ( XXXX XXXX ) filed a Writ of Revival on XXXX which is past the XXXX and the Fair Debt Collection Practices Act. Due to similar proven illegal actions, Pressler and Pressler have recently been fined {$1.00} XXXX for these illegal activities. On XXXX XXXX, 2016, XXXX XXXX created a new docket number and filed my social security number at the XXXX County courthouse. XXXX & XXXX never withdrew their " entry of appearance ''. On XXXX XXXX XXXX sent a request for interrogatories, which I responded in to the attached letter. If a debt is n't paid within 180 days, it 's written off. Pressler and Pressler personally buy these debts, get away with these illegal action because XXXX XXXX sits on different boards, has family members/friends working in the NJ court house. XXXX XXXX has been noted in a recent XXXX Case and has been warned to stop threatening and harassing, " The U.S. Consumer Financial Protection Bureau has fined a New Jersey law firm and the debt collection company it worked with and ordered them to stop filing abusive debt-collection lawsuits. '' This is a violation of the Fair Debt Collection Practices Act. They are attempting to sue me for a debt I did not sign for, the debt is too old to be sued on and are attempting to seize property. I have attached all documents, including a letter to XXXX XXXX.
Consumer complaint received 2015-07-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I am writing today because I have been a victim of identity theft. I have made many disputes and faxed in a police report to Equifax with the following item to be removed from my credit report on XXXX/XXXX/2015. They are refusing to remove these items from my credit file because they are stating that they have investigated the accounts and that in fact they are my account which they are not. I have made a complaint with the Federal Trade Commission and received a letter from them to send to the creditors. I have mailed and faxed all the creditors the letters and they have not updated my account. I am working on getting a loan and these fraudulent accounts are stopping me from getting the loan. The items that I am requesting to be removed are as follows. I am requesting the following items be removed from my credit file. 
XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. XXXX Account # XXXX. XXXX XXXX Bank Account # XXXX. XXXX XXXX Bank Account # XXXX
Consumer complaint received 2023-05-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (TX)

I supposed to get XXXX XXXX  in response to having XXXX  in my wallet on XXXX XX/XX/2020 at XXXX XXXX  UTCm snapshot time. I had XXXX XXXX  at snapshot time which I converted afterwards at XXXXXXXX XXXX CST time ( 5 hrs after snapshot ). 

Now Coinbase is refusing to give me my XXXX XXXX claiming that I converted it before snapshot at XXXX CST ( claiming it as UTCm time ). 

I have all information regarding my wallet. 
Please see the XXXX  where it clearly mentioned that I have converted my all XXXX  at XXXX to XXXX. Which means after XXXX after the snapshot. 

So at the time of Snapshot XXXX to XXXX I had more than XXXX XXXX
Consumer complaint received 2016-05-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (MI)

XXXX As in that case, there is no circumstance under which Defendant could legally report an obsolete debt to a credit reporting agency or make a positive report in the event of payment. The implication that Defendant could do so here is misleading on its face. '' The above recent court case XXXX XXXX XXXX is an addendum to my previous complaints about XXXX XXXX XXXX 's credit card closed in XX/XX/XXXX ) complaint about positive reporting I never made in XX/XX/XXXX. It serves - based on XXXX XXXX XXXX 's letters in response - that it falls on the credit reporting agency to stop the bank from any and all reporting regardless of what account. This includes credit cards, student loans, etc.
Consumer complaint received 2016-08-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (OH)

I contacted Equifax concerning the reporting of my bankruptcy on my credit report. I filed XXXX XXXX XXXX and the items included in my bankruptcy should no longer be reported on my credit bureau. They had it updated to state will be removed 2019. I contacted them, sent copies of my Ch XXXX paperwork. Dispute results reported back included in Ch XXXX. It is my understanding the Ch XXXX information is removed 7 years from the date the bankruptcy is filed. I attempted to call the number provided on the results and was on hold for 20 minutes with no one picking up the line. I need assistance getting this corrected and would like to speak to someone in an American office that understands my dispute.
Consumer complaint received 2022-07-20
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. (MO)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. When I reviewed my credit report, I discovered that some of the account 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 correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$23.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$860.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2020-09-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

On XX/XX/XXXX, I attempted to use a balance transfer from HSBC using my Master credit card ending in XXXXI had a XXXX balance and transferred {$5000.00}. As I was hitting the prompts the process informed me that is was completed. There was NO disclosure of interest or length of time for the balance transfer. I immediately call HSBC and cancelled the transfer. The Customer service rep. cancelled it telling me it woulkd take two weeks but THE AMOUNT OF THE TRANSFER WOULD NOT APPEAR IN MY ACCOUNT AS A DEBT.. This morning that account shows a debt of {$5200.00}.

I called and spoke to several customer service reps. Conclusion : I must carry that debt on my credit for two weeks. If they can charge my acciount within 24 hours why does it take two weeks to reverse it? I am very angry with them for having an online process without any disclosures. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NY XXXX XXXX cell. 
XXXX Land
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TrueAccord Corp. (AL)

XXXX XXXX and their debt collector TrueAccord Corp. is reporting inaccurately to credit reporting bureaus. 

In CFPB Complaint number XXXX XXXX XXXX agreed I was not responsible for a reported debt and agreed to remove their reporting from my credit report. They have not removed it and denied removal through credit report dispute process. 

XXXX XXXX  response to previous CFPB complaint acknowledged the item is not mine, " XXXX  records indicate that after additional review of your case, the Account Safety team found you not responsible for repayment and sent you an email informing of this resolution on XX/XX/2022. The loan was labeled as unauthorized and will be removed from your credit report within XXXX  next credit furnishing cycle, which may take between 30-60 days. '' XXXX has not honored their commitment to remove this unauthorized item from my credit report. It is causing significant damage to my credit history as it shows zero payment history and is reported seriously delinquent. This has caused significant financial hardship and threatens my DOD security clearance and employment. 

I have provided XXXX XXXX a reasonable amount of time for this item to be removed. I have disputed the debt through XXXX providing XXXX 's own response from the previous complaint. XXXX is still refusing to remove this unauthorized item.
Consumer complaint received 2022-08-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Hi, I have been using paypal for my business transaction. My email : XXXX On the XXXX of XX/XX/2022. I had a payment made by an Artist who emailed me for playlist placement on my playlist. He paid a sum of XXXX $ via echeck ( according to paypal ) and the money showed pending in my paypal. ( eCheck details Amount : {$40.00} USD Transaction XXXX Note : Playlist placement, Payment details, Buyer : XXXX XXXX XXXX XXXX : Playlist placement ) I messaged paypal to ask why the money was not yet in my account, and in a few hours my account was limited and I was asked to submit documents I have submitted before, I tried to comply but I was locked out of my paypal account, I couldnt access paypal via the web. I could use just the app and in the app it was impossible to send pdf. I contacted paypal again asking how I would be able to send the pdf file ( bank statement ) which proves my identity and address. In a few hours I recieved another email saying my account has been permanently limited ( banned ) from paypal. I tried messaging via the message centre but it was closed. I couldnt contact paypal. I have done nothing wrong by recieveing payment for spotify playlisting services. I have tried to message them via XXXX  but there is no response. I was permanently banned on XX/XX/2022, XXXX XXXX. This is an unfair treatment because I hav n't done anything wrong. I have conducted buisness in a fair and legal way. Also paypal promotes buyers to scam me, because some artists after being playlisted and recieve streams, they claim they have not recieved streams and file complaints to get their money back after I have done the job. Since its a digital product, even if I send proof that this artists have recieved streams paypal always judge to the favour of the buyer leaving me at a loss. Please I want my account back.
Consumer complaint received 2023-05-08
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: DISCOVER BANK (FL)

In accordance with the Fair Credit Reorting 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

No specific representatives were contacted. Only through mail with Equifax. The notarized letter attached sent via certified mail is the fifth attempt to resolve inaccurate information concerning : Equifax Report # XXXX, dated XX/XX/XXXX ; report # XXXX dated XX/XX/XXXX ; report # XXXX dated XX/XX/XXXX ; report # XXXX dated XX/XX/XXXX ; report # XXXX XX/XX/XXXX.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX SSN : XXXX Date Of Birth : XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX  XXXX XXXX , PA XXXX Greetings, My name is XXXX XXXX XXXX.THIS IS NOT A REGULAR DISPUTE, I am a victim of identity theft and did not open these accounts. More specifically, my social security number was compromised and used to open these fraudulent accounts. These accounts are now being furnished onto my credit report without permissible purpose, consent, or my knowledge FOR THE THIRD TIME. 15 USC 1681c-2- ( a ) which states, " a consumer reporting agency shall block the reporting of 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 ''. I appreciate your due diligence and assistance in remedying this situation in advance. Please NOTE : This account was previously reported as identity theft and blocked from my credit report. No other credit reporting agency is reporting this fraudulent information this is inaccurate and is in direct violation OF MY CONSUMER RIGHTS! This time, I am fully prepared to move forward with litigation, FOR WILLFUL NON- COMPLIANCE. The next letter will be a request for payment of invoice. Block the reporting of the following fraudulent accounts within 4 days, as outlined in the Fair Credit Reporting Act to avoid immediate litigation : XXXX ( Original Creditor:XXXX XXXX  ) Account Number : XXXX Opened : XX/XX/XXXX Balance : {$420.00} I did not open or authorize the opening of the following account. BLOCK immediately from my credit report. 

This fraudulent account has brought me undue hardships. I have also notified the Federal Trade Commission and the CFPB of this identity theft. I have provided the CFPB report as well as my identity theft affidavit with this letter that will be sent via certified mail for tracking purposes. Please note I DO NOT WISH to have any SECURITY FREEZES added to my credit report. However, I am aware of my right to do so. I appreciate your due- diligence in rectifying this matter. 

With Kind Regard, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX SSN : XXXX Date Of Birth : XX/XX/XXXX Enclosed with this letter : FTC Affidavit Identification Social Security Card Utility Bill Please note, I stated, I DO NOT WISH TO PLACE ANY FRAUD ALERTS ON MY CREDIT REPORT