davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, and XXXX Main # XXXX has violated my rights. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 section 602 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make consumer report containing any of the following items of information or any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

I am requesting in detail for each account, who you spoke to and who responded to your dispute to confirm this inaccurate information. Per the FCRA you have 15 days to provide me your method of verification otherwise please delete the accounts listed above.
Consumer complaint received 2024-01-15
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. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-21
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. (IL)

XXXX  and Experian are fraudulent on my credit accounts XXXX XXXXXXXX XXXX XXXXXXXX is fraudulent on my Acct # XXXX. 
XXXX XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX is fraudulent on my Acct # XXXX.
Consumer complaint received 2020-11-13
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. (NY)

XXXX, Transunion and XXXX have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I previously filed a report through CFPB with reporting issues with Experian and XXXX. Some of the unauthorized inquires have never been removed : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I value your efforts in addressing some of the fraudulent items in my file resulting from an alleged identity theft. However, there are remaining items that require removal. Upon reviewing my records, I observed that several fraudulent entries, not associated with me, persist despite previous correspondence. This marks my 11th communication on this matter. According to Section 605B of the FCRA, it is a legal obligation to promptly remove fraudulent items opened due to identity theft. The disputed items are not linked to my identity. I have attached the necessary FTC Report # XXXX and the required identity verification documents for your reference. Kindly proceed with the removal of the following fraudulent items : -- -- -- -- -- -Experian : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3300.00} XXXX XXXX XXXX Balance Owed : {$1100.00} -- -- -- -- -- -XXXX XXXX XXXX XXXX Balance Owed : {$3300.00} XXXX XX/XX/2022 -- -- -- -- -- XXXX : XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXXXXXX Balance Owed XXXX {$1100.00}
Consumer complaint received 2021-05-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Dear Sir/Mdm, I set up a crypto currency digital wallet with Coinbase on XX/XX/2021. 
Bought some crypto coins and transfer into the wallet. 
On XX/XX/2021, i realised that most of the coins were missing from the wallet and i tried to log out and log in again using the 12 words recovery seed. The coins remains missing and the original wallet also went missing and was changed to another public address. 
I contacted Coinbase since then, they are unable to resolve this issue or recover my coins. 
I believe that there is a Coinbase system glitch that results in my missing wallet and ask for compensation in terms of number of coins that were in my wallet before they went missing.
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

In XX/XX/, I applied for an XXXX XXXX Credit Card with XXXX XXXX. 

Once approved, I linked my account with another persons account. Doing this, created an ongoing issue. Ive never been to use the account. The other account holder is the only XXXX who was able to use the account. 

Despite numerous calls to both XXXX and XXXX XXXX over XXXX  months, the issue remains unresolved. I couldnt use the card, add it to my phone via the app, and theres an inaccurate duplicate account report to credit bureaus affecting my credit score. Ive filed several disputes with all XXXX  credit bureaus, asserting the inaccuracy of the reported duplicate account. However, their investigations consistently claim the information is accurate, despite the evident error. 

This has resulted in a significant impact on my credit score, and neither XXXX nor XXXX XXXX has attempted to resolve the problem in over a XXXX.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

According to FCRA all information should be 100 % accurate. 

please see attached. 

Also, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-08-28
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (SC)

Midland Credit Management Inc is reporting inaccurate information on my credit reports. I submitted a direct dispute in compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4 to Midland with supporting documentation and received an unacceptable response from Midland. A party who purchases a debt that is in default for the sole purpose of collecting the debt is not a creditor. FDCPA 803 ( 4 ). Midland Funding is not my creditor. I have attached a copy of my credit report showing where Midland has inserted a tradeline in my credit reports. This reporting is frivolous and inaccurate. Please see pages XXXX - XXXX of the attached credit report to view the inaccurate information. Also I attached a copy of the direct dispute letter that was sent to Midland certified return receipt requested.
Consumer complaint received 2024-01-13
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. (CT)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

The following companies have violated my rights and the Fair Credit Reporting Act by reporting incorrect information on my credit report. 
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error - ( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on these accounts. I demanded to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this was clearly a billing error.

The items below should all be updated as agreed on my consumer report.

also, The Consumer reporting agency has published defamatory and false statements of alleged facts to my consumer reports, and Doing so has caused and will continue to harm me and my standing. The information reported entails private personal information which they have no right to communicate or convey to anyone without my written consent pursuant to 15 USC 1692c ( a ). 

XXXX XXXX Account number XXXX late payment XX/XX/XXXX, XXXX Account number XXXX late payment XX/XX/XXXX, XXXX Account number XXXX late payment XX/XX/XXXX The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). I feel as if my privacy rights have been violated also. Correct these billing errors immediately
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (CT)

Last year I had tried to sign back up for school, my deferment when I made it was for a year when I called I was told I was in default and it was only put into their system for 3 months and to get it out I had to pay {$600.00} that day to start any payment arrangements. I never got a phone call or letter in the mail explaining my deferment was up or anything about payment options. When I asked if I could make any type of payment arrangements I was told no. So after I hung up I never got another phone call until 2 months ago I got a letter stating I owed {$12000.00} and it was due 2 weeks after receiving it in the mail.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I pulled my credit report from Experian and noticed they put back on my credit report address ( es ) that they had already deleted because it is not my correct address. I have a relation to the person who used to live at the address but the address is not mine and is incorrect. Also they listed a name that I do not associate myself with. Experian listed the following addresses on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian listed the following name on my credit report that is not my legal name nor do I refer to myself as this name : XXXX XXXX I have disputed these incidents many times to find they put the address back on my credit report. This is false reporting and violates the FCRA and is in violation of requisite METRO 2 Compliant reporting standards. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report.
Consumer complaint received 2020-11-13
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. (TX)

I am writing to dispute the following information in my file resulting from the crime because I am a victim of identity theft. I have listed the accounts I need to dispute on the attached copy of the report I received. The account I am disputing do not relate to any transactions that I have made or authorized. Please remove these accounts at the earliest possible time.
Consumer complaint received 2024-01-13
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: Experian Information Solutions Inc. (CT)

When I investigated my credit report, I realized that some of the information was erroneous.XXXX credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: COINFLIP LLC (FL)

Commencing on or around XX/XX/2023, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my CoinFlip account to fraudulent investment firm ( s ).
Consumer complaint received 2024-01-13
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: Experian Information Solutions Inc. (AL)

I am formally requesting this letter to remove the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2016-04-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I tried to apply for a loan modification and was turned down because I was n't behind in my payments. My property taxes have tripled and I was trying to get the bank to escrow the taxes and insurance. After speaking with them, I could not do either. I have had the mortgage since XXXX. On XXXX XXXX, XXXX, BOA called me at work to ask me when my payment was going to be made. It was supposed to be made on the XXXX, however, XXXX Bank scheduled it for XXXX XXXX ( XXXX day late ) because I missed the cut-off time for the payment to be made on the XXXX. I have never missed a payment in 20 years and this was the very first time I was late and not due to my fault. I am furious that BOA is harassing me for XXXX payment which will be made tomorrow, XXXX XXXX after 20 years of NEVER paying late. I want them to stop.
Consumer complaint received 2024-04-29
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC. (IL)

Moreover, the creditor remarks indicate that the account has been charged off as bad debt and reported as a loss, further emphasizing the inaccurate portrayal of this account 's status.Upon reviewing my credit report, I noted that the account in question has been reported as derogatory, with a high balance of {$12000.00} and a balance owed of {$9600.00}. However, I would like to bring to your attention that this account has been inaccurately reported. 
Firstly, the last activity on this account was reported as XX/XX/XXXX, which contradicts the accurate date of last activity, which is XX/XX/XXXX. Additionally, the account status is incorrectly listed as open, when in fact, it was closed on XX/XX/XXXX. 
XXXX doesn't even report this account on my credit report just XXXX and XXXX this is an error.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (NV)

CB INDIGO : This is a credit card that I once had, closed the account and paid the balance, yet the creditor continues to report misinformation about the account to the credit bureau 's and significantly impacts my score each time. Anywhere for XXXX points, this has been happening after disputes. I believe the creditor is maliciously targeting my credit and there's not much I can do other than dispute. 

XXXX XXXX : This is a credit card that I once had, closed the account and paid the balance, yet the creditor continues to report misinformation about the account to the credit bureau 's and significantly impacts my score each time. This creditor broke my final payment so that they could report negatively on my credit report, and reporting an incorrect balance and close date. 

XXXX XXXX XXXX : I have two closed accounts with this creditor, in which, in dispute I requested that they remove the negative ratings on the closed accounts, especially since I continue to have a unsecured loan with the creditor. This negative association impacts my creditworthiness but the same creditor can issue new loans to me. The negative rating is associated with the creditor having an open payment status but both loans were paid early and closed. 

XXXX XXXX XXXX  : This creditor is reporting an incorrect, unverified, sold collection and despite disputing will not remove. 

XXXX XXXX XXXX : This creditor is reporting an incorrect, unverified, sold collection and despite disputing has not responded within the thirty day timeframe.
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have reported to TransUnion, several times, they are reporting the wrong name on my report. My name is XXXX XXXX. That is my only name. TransUnion is reporting my name as XXXX XXXX. XXXX XXXX is not, and has never been my name. Ever. I do not understand why TransUnion refuses to report my name correctly? I have sent TransUnion identification showing my correct name and reported this to them