davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-08
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)

Just checked my Equifax report and found that my score had been reduced XXXX points and I have NOT paid any creditor late. I disputed payment had occurred in XX/XX/2018 on the XXXX XXXX account but was corrected by the Company. I contacted the the company but was just given general information and told to contact a local lender
Consumer complaint received 2018-02-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

My account was disabled in XX/XX/XXXX, I've never been able to log in again : These are the latest coinbase emails ; XX/XX/XXXX XXXX Coinbase asked me to change my account password XX/XX/XXXX XXXX Coinbase told me that my password had been changed XX/XX/XXXX XXXX coinbase told me that my account has been restored at this point I tried to log in with my new password, and the site asked me to enter the Authenticator code from my phone., after several attempts, in which coinbase told me that the code was not valid, I decided to try again in the evening, thinking that maybe something was still to be verified. 
my Authenticator app was synchronized with the internet, and previously always worked perfectly. 
Arrived in the evening, I still try to access my account unnecessarily. 
XXXX XXXX Coinbase told me that my purchase limit had increased from XXXX euros to XXXX euros, but I did not ask for anything. 
XXXX XXXX Coinbase asked me to authorize a new device that had been trying to access my account for a long time, I do not speak English, and seeing Location : XXXX IP Address : XXXX Browser : XXXX ( XXXX ) I naively authorized Coinbase thinking it was referring to all the times I tried to access, and only later did I realize that the IP address was not mine, afterwards I did a search on the internet, and this IP address is connected here afterwards I did a search on the internet, and this IP address is connected here IP address : XXXX Address type : Public Hostname : Could not determine to hostname DNS lookup : No reverse DNS record found ISP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dedicated Servers Webserver : No XXXX XXXX Hi XXXX XXXX , On XX/XX/XXXX, you ordered XXXX ETH via your payment method for XXXX XXXX. 
When we attempted to process this transaction it was canceled by your bank. If your payment method was charged, you will receive a full refund. If you wish to make another purchase, please try again or add a new payment method. 
Unfortunately, we are unable to restart this transaction because it was canceled by your bank. If you have questions regarding this canceled transaction, please contact your bank directly. 
We apologize for any inconvenience! 


I have not authorized anything, either! 
XXXX XXXX coinbase told me this ... Your account on Coinbase associated with the email XXXX has been successfully deleted. 

Can you understand that Shock for me? that I had more than a bitcoin and a half? all bought regularly with my credit card.
Consumer complaint received 2018-02-12
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)

My name is XXXX XXXX. It has been well over a year XXXX and there is still an inaccurate account by the name of XXXX XXXX XXXX along with several errored inquiries looming and are in the attachments section. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. I demand the following accounts be verified or removed immediately.
Consumer complaint received 2020-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FACTUAL DATA CORP. (IL)

1 : XXXX submitted a hard inquiry on my credit reports, without my permission to do a hard inquiry. 
2 : Factual Data. I instructed the lender that I don't want a hard pull.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

To Whom It May Concern XXXX  XXXX. XXXX XXXX XXXX, CA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX TODAYS DATE:XX/XX/XXXXXXXX, XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Have enclosed a copy of two bills ***PLEASE UPDATE MY CURENT ADRESS ADDRESS:XXXX  XXXX XXXX XXXX , XXXX XXXX XXXX , FL XXXX BEEN LIVING THERE SINCE XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - ***** PLEASE REMOVE THIS ADDRESS FROM MY CREDIT FILE XXXX XXXX XXXX KY , XXXX XXXX XXXX , FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address. 

XXXX, XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I have tried to correct my personal information on all three of the credit bureaus, however I have not received a response from any of them. On XX/XX/2021, I sent a letter requesting that credit bureaus correct my name, address, phone number and employment. I have several different names, addresses and employment information that does not belong to me. I also have over 9 public records on my credit report that do not belong to me. I have not been contacted by any of the credit bureaus to validate this information on my credit report. In addition there are unknown credit accounts on my report. I am requesting that the Consumer Financial Protection Bureau investigate my claim and hold the credit reporting agencies accountable for the misinformation that is being reported to the public without validation. I demand that this misinformation be deleted and that my personal information be corrected immediately. The credit bureaus have not responded in a timely manner ( within 30 days ) and I should be granted my request immediately. I have enclosed the letters that were sent to the credit bureaus on XX/XX/2021 for your records.
Consumer complaint received 2022-07-28
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)

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 : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which are being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any items 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 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ABSOLUTE CREDIT  LLC (ME)

There is a medical collection showing on my XXXX credit report that should have been deleted MONTHS ago. This collection is from Absolute Credit in XXXX, ME and the medical practice it is from is XXXX XXXX XXXX who agreed to DELETE this collection several months ago and requested Absolute Credit to send a DELETION REQUEST to XXXX, but it is STILL showing on my report a good XXXX months later. If this is not IMMEDIATELY deleted from my credit report, I WILL be taking legal action against XXXX AND Absolute Credit and will be seeking monetary damages for FALSE CREDIT REPORTING. I have uploaded an image of the collection.
Consumer complaint received 2021-11-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A. (CA)

I used to have XXXX XXXXXXXX. This year this bank was sold to BBVA, who was then sold to PNC. Each time the software has gotten worse. The app has none of the budgeting features of XXXX XXXX. If you've ever changed over a checking account you know how much time this takes. 

The PNC app has none of the functionality of the XXXX XXXXXXXX app, it is far uglier and it shows me ads. It doesn't even accept mobile deposits. 

I have been trying to deposit my State of XXXX XXXX XXXXXXXX Stimulus check, but PNC will not accept a mobile deposit for my XXXX XXXX Stimulus check. They could have told me this, but instead they gave me an error message " XXXX XXXX  Deposit Not Available at this Time ''. Last week I contacted customer service several times through their app, then got a " callback '' that rang for an hour each time. When I finally got a hold of someone on Monday morning ( A week after I have been complaining ), the first call was hung up on after XXXX minutes on hold. The second call was when I was informed that they do not accept mobile deposits from the State of XXXX. I talked to a supervisor named XXXX XXXX, who was absolutely unhelpful. 

Each time my bank has been sold this year I have spent the hours it takes to transfer over my accounts, and now I don't have any of the software that works. PNC bank does not pick up the phone to deal with customer service problems even. 

PNC bank should never have been allowed to purchase BBVA or XXXX XXXXXXXX. I believe this XXXX  is dangerously under-capitalized. It has over-extended itself with merger after merger, and is going to go under at any moment
Consumer complaint received 2021-10-08
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: LEXISNEXIS (LA)

LexisNexis Consumer Center, XXXX XXXX XXXX, XXXX, GA XXXX, Telephone : XXXX, www.consumerdisclosure.com ; provided the following incorrect information on my credit report : XXXX Account with a Reported Delinquency Status Including Bad Debt & Bankruptcy XXXX Percent of All Department Store Accounts Reported in the Last 24 Mos to Total # of Accts XXXX Time Since Most Recent Collection Agency Filing Reported XXXX Insufficient Information on Bank Revolving Accounts
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: SYNCHRONY FINANCIAL (TX)

Hello, I am filing this complaint against Synchrony Bank regarding the following accounts I have with this business. 

1. XXXX XXXX- {$3200.00} credit limit reinstated and corrected utilization for Credit report 2. XXXX XXXX- {$1000.00} credit issued to balance owed for interest and transactions per Customer service and correction to utilization for Credit report 3. XXXX  {$3500.00} Credit limit reinstated and corrected utilization for Credit report 4. XXXX XXXX XXXX - {$4500.00} refund check
Consumer complaint received 2021-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (OR)

Received notification of a XXXX debt from XXXX XXXX that was sent to collections back in XXXX caused by identity theft as I have never been a resident of XXXX. I was not informed until XXXX. I disputed it with Aargon Agency in XXXX XXXX XXXX, provided all the required information ; filed police report, proved I have been an XXXX resident since XXXX ( originally from XXXX  ). Agency told me that my account was successfully disputed. Just discovered on XXXX  that it is very much active and still destroying my credit. I am absolutely livid over this. They have not attempted any contact to collect this debt since speaking to them in XXXX  and it did not show up on XXXX XXXX where I typically check my scores. This has been secretly destroying me for years.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (CA)

I have two CitiCards. An Awards ( ... XXXX ) card and a CitiAdvantage Card ( ... XXXX ) Sometime in early 2020, before XXXX, my card ending in XXXX, that I had not used for over 5 years was paid off complete. 

Payments were being made automatically to both accounts from my XXXX XXXX Checking Account. For some reason after the paying off my card ending in XXXX, my payments to card XXXX ( CitiAdvantage ) were being applied to my XXXX card. I discovered this error and contacted Citi, who promised to move the credit in XXXX to XXXX and update my payment history accordingly. Citi moved the credit to XXXX on XX/XX/2020, or thereabouts, but never updated my payment history as promised. As a result I immediately received a 60-90 past due on my credit report, which I did not know of until recently. 

Furthermore, my card ending in XXXX had received activity that was fraudulent after the XXXX correction. I never received a statement or notification in the mail about any activity. The disputed amount was reported to the credit agencies as still past due as recently as XX/XX/2021, however upon notifying Citi, their fraud department and customer service departments tell me that I have a negative {$35.00} balance ( credit ). 

On XX/XX/XXXX, I received two letters from Citi ( attached ) stating that my credit information is correct and that I need to contact the credit agencies to let them know I'm disputing the information. 

I spoke with Citi again, XXXX - XXXX PST on XX/XX/2021 and was sent from department to department speaking to representatives in their fraud and customer services department only to be disconnected without resolution. 

I fear this really indicates Citi 's lack of security protocols and their inability to have any oversight to their credit card billing and management systems. Their lack of knowledge about their own processes is grossly expressed as their representatives appear to be mouthpieces to only drive their customers to give up due to their corporate direction of not really caring about their clients concerns. I am sure that I am not the only one going through this exhaustive process to right the wrong due to their negligence. 

I hope this is enough information to start this investigation. 

I plan on re-calling them as soon as send out this statement. 

All of the above can be confirmed if Citi releases all phone recordings and transcripts of my discussions and actions with them since XX/XX/2020. 

I can offer a copy of my credit report if needed. Every other creditor reports exceptional payment history except Citi. 

Best Regards ... ... ..
Consumer complaint received 2022-04-23
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. (NY)

In accordance with the Fair Credit Reporting Acr 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 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. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2018-02-12
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)

Ive taken the proactive approach into reviewing my Equifax, XXXX and XXXX Credit Report after the Equifax 2017 breach. Ive contacted Equifax and was advised via Equifax website ; Based on Information provided we ( Equifax ) believe that your personal information may have been impacted by this incident. I enrolled in the TRUSTED ID PREMIER which was offered by Equifax and locked my credit reports. I recently received a copy of my Equifax, XXXX and XXXX   credit report. The credit reports showed credit inquiries that I dont recall authorizing. I have wrote several disputes letters to all the major credit bureaus concerning inquires listed on all 3 major credit bureaus report and letters to the creditors listed on my credit report as well. I understand the credit bureaus shouldn't be allowed to put an inquiry on my file unless I have authorized it. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order
Consumer complaint received 2022-09-27
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: Maximus Federal Services, Inc. (OH)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 602 states I have the right to privacy 15 usc 1681 604a 2 also states a consumer reporting agency can not furnish an account without my written instruction. 15 usc 1666b a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.
Consumer complaint received 2021-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (CA)

Prior to stopping autopay in XXXX and closing my Citibank account ending XXXX on Tue, XX/XX/XXXX ; I asked Citibank several times via CFPB to lower my payments because I am XXXX XXXX  XXXX and my sole income is my VA benefits - Citibank refused to provide options for my situation. So, I told Citibank to write off the account or have the matter heard in federal court. 

I received my Veteran Affairs XXXX payment on the XXXX of XXXX. Out of nowhere and without my authorization, on XX/XX/XXXX there was a 'ACH Transaction - CITI AUTOPAY PAYMENT - ACH Debit ' XXXX  XXXX dollar Citibank STOLE XXXX out of my checking account - telling XXXX it was an autopay. Citibank falsified information to XXXX to gain access to my account. I canceled autopay prior to the account closing and the representative I spoke to today said, 'Citibank does not have autopay on closed accounts ' In addition, last month, in XX/XX/XXXX Citibank did not touch my account. Citibank does not have a judgment from a court judge giving them permission to access nor take my Veteran Affairs direct deposit money. Citibank also violated the law as I did not give Citibank written authorization, taped phone call authorization nor did I send Citbank written confirmation prior to the debit from my XXXX - what Citibank did was extremely unethical and illegal