davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XXXX the XXXX I called TransUnion and asked the representative did they receive my dispute letters by mail and I was told that they did so I asked they why were they not doing an investigation.? I was told that they didn't do investigations on hard inquiries because of the Fair Credit Act and they were deleting my dispute request and I told them that I was disputing under the 116TH CONGRESS 2D SESSION S. 3508.  To amend the Fair Credit Reporting Act to provide for disaster protection for worker 's credit : For 15 minutes I talked to they TransUnion representative begging him to submit my dispute and for the hold time I kept getting denied until I forced him to speak to someone in the United State so he rudely did, so I so connected with a TransUnion supervisor by the name of XXXX XXXX and it took him one minute too read the Bill that Congeress Passed One Minute.! And he told me that Congress did pass no Bill over looking the Fair Credit Act in America and was deleting my dispute request, I told him that the hard inquiries was destroying my chances for Life Liberty and the pursuit of Happiness, I also told him the the hard inquiries was ( did! ) destroy my chances of buying a Home, getting credit cards, and was did bring my credit score down.! I can't even get a secured credit card or pre-approved for any stability. I still got denied For TransUnion supervisor XXXX XXXX.
Consumer complaint received 2021-04-12
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. (PA)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2020-06-23
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. (WI)

On XX/XX/XXXX I got my credit pulled through my local credit union for a mortgage pre-approval. We found a fraudulent trade-line that had been opened in my maiden name in XXXX of XXXX from XXXX   XXXX XXXX XXXX. There is a balance of {$5100.00} with a past due amount of {$1400.00} and 5 months late. This trade-line was closed in XX/XX/XXXX. 

I then contacted Experian, XXXX, and XXXX  on XX/XX/XXXX to file disputes. Then I contacted XXXX and filed a Dispute with them as well a couple of days later. 

Right now the information we know is : 1 ) The person used my maiden name to open the account in XXXX ( I legally changed my name in XX/XX/XXXX ). 
2 ) The person used an XXXX email address which I do not have. 
3 ) The person used an address I lived at back in XXXX? XXXX? ( I have not lived in that city since XXXX ). 

I received a Fraud Investigation Form from XXXX XXXX  on XX/XX/XXXX. I filled it out and faxed it on XX/XX/XXXX. They sent another letter to me XX/XX/XXXX saying the investigation was closed because they did not receive the fax in time. I contacted XXXX XXXX  and they re-opened my case ( they said mail was slow due to COVID-19 ). They then suggested also filing a claim with the FTC. When I went to the FTC website it brought me to this website. 

Thank you.
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (CA)

Goldman Sacs Bank USA, is reporting late on my personal loan account for 2 months XXXX and XXXX in XXXX and 1 month XX/XX/XXXX, I was never been late 30 days as reported to all CRAs. I XXXX  outside US on job and due to te encouragement and online payment option provided by creditor I paid within time frame online from their website, as per the account agreement they haven't mentioned that I can't pay online outside of USA, and even though I paid they deferred the payment and reported as late making me to check and call from other countries to pay again and report as continuously late which is against the agreement. 

NOTE - As Goldman Sacs Bank USA has not put in agreement terms as that I can't pay online outside USA, they should not report as late. Please look into this and ensure that creditor reports all 3 payments as on time. All the CRAs are not looking into deferring of my online payments from outside USA, proof is all my payment are made online and in XXXX, XXXX I asked them to correct this online we site bug.
Consumer complaint received 2021-04-12
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. (AL)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''
Consumer complaint received 2020-06-23
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. (WI)

On XX/XX/XXXX I got my credit pulled through my local credit union for a mortgage pre-approval. We found a fraudulent trade-line that had been opened in my maiden name in XXXX of XXXX from XXXX   XXXX XXXX XXXX. There is a balance of {$5100.00} with a past due amount of {$1400.00} and 5 months late. This trade-line was closed in XX/XX/XXXX. 

I then contacted XXXX, XXXX, and Transunion on XX/XX/XXXX to file disputes. Then I contacted XXXX and filed a Dispute with them as well a couple of days later. 

Right now the information we know is : 1 ) The person used my maiden name to open the account in XXXX ( I legally changed my name in XX/XX/XXXX ). 
2 ) The person used an XXXX email address which I do not have. 
3 ) The person used an address I lived at back in XXXX? XXXX? ( I have not lived in that city since XXXX ). 

I received a Fraud Investigation Form from XXXX XXXX on XX/XX/XXXX. I filled it out and faxed it on XX/XX/XXXX. They sent another letter to me XX/XX/XXXX saying the investigation was closed because they did not receive the fax in time. I contacted XXXX XXXX  and they re-opened my case ( they said mail was slow due to COVID-19 ). They then suggested also filing a claim with the FTC. When I went to the FTC website it brought me to this website. 

Thank you.
Consumer complaint received 2020-05-14
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. (MD)

On XX/XX/2020, I spoke to loan officer XXXX XXXX at XXXX XXXX XXXX regarding the Maryland Smart Buy program. The phone conversation was informal, and I was brainstorming my options of purchasing a home and see if I qualify for the Maryland program. The loan officer took that informal conversation and pulled a hard credit inquiry without my authorization. Nowhere in the phone conversation was I notified that my credit will be pulled and a hard inquiry will be performed. Now that inquiry is being reflected on my credit report and affecting my credit score.
Consumer complaint received 2022-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NY)

on my statement closing date of XX/XX/XXXX I received an interest charge because the promotional offer expired. I had a promotional offer of 0 % interest on a XXXX purchase if paid in 1 year in full. I was not able to pay off the entire balance but paid on the principle of said loan for the entire year and my balance was {$2400.00} on XX/XX/XXXX. I received a whopping charge of {$940.00} in interest fees. While I did agree to said terms it was my understanding that I would be charge the XXXX of 26.99 % ( XXXX Rate at time of expiration of promotion ) of what I owed. 

My Balance was XXXX at 26.99 % interest that would be XXXX. Which I am fine with. I do not agree with these inflated fees. I feel it's extremely predatory. I contacted the customer service line XX/XX/XXXX and the only thing they offered was to waive the fees if I paid in full by the XXXX of XX/XX/XXXX.
Consumer complaint received 2020-06-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CO)

The mortgage holder appointed me as his Attorney in Fact in writing. This gave me the authority to act on his behalf as if I was him. They mortgagee, Select Portfolio Servicing ( SPS ), Bought a forced placed insurance policy on the house from XXXX XXXX XXXX XXXX ( XXXX ) and charged the cost of the premiums to the mortgage holder. On XXXX a fire occurred and a claim was filed by XXXX XXXX XXXX ( XXXX ), a third party vendor that SPS hired to process the insurance claim. SPS required me to submit a copy of a signed contract with a licensed contractor and other supporting documents prior to authorizing us to commence the repair work and releasing a portion of the claim funds. SPS inspected our progress through a third party vendor throughout the stages of progression ( ie 25 %, 50 %, etc ). On XXXX we paid the mortgage off in full. We had a pending supplemental claims payment in the approximate amount of {$32000.00} that insurer would pay for additional work that was not included on the original estimate. On XXXX the insurer sent the final payments to XXXX. XXXX forwarded the checks to SPS via XXXX on XXXX. SPS has no record of receiving the checks. SPS refuses to ask the insurer to reissue the checks. SPS thinks that XXXX will help me based on the fact that I can present the paid in full letter that SPS gave to me when we paid the loan off. XXXX will not accept the paid in full. They insist upon receiving a letter or memo from SPS authorizing them to deal directly with us. SPS refuses to issue such a letter or memo.
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

Im disputing the following accounts due to the fact that the accounts are fraudulent and does not belong to me. My identity was compromised and put on the dark web. And this has affected my credit files greatly. I'm demanding the immediate removal of these unauthorized accounts. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX  7. XXXX XXXX {$3.00} 8. XXXX XXXX {$110.00} 9. XXXX XXXX {$280.00} 10. XXXX XXXX XXXX {$3.00} 11. XXXX XXXX XXXX {$16000.00}
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP (CA)

I submitted CFPB complaint XXXX on XX/XX/2020 and complaint XXXX on XX/XX/2020 about information missing on my XXXX  credit report regarding my US Bank credit card ending in XXXX. US Bank sent me the same response on both complaints that they determined an update to XXXX  is appropriate and they have already communicated the correct info to XXXX  but so far nothing has reflected on my report. I attempted to contact US Bank regarding this by calling the numbers listed in their response and all I got was front line customer service representatives with no access to such information who kept transferring me from one department to the other. 

Attached are both complaints responses from US Bank by someone named XXXX with the office of the president who promised that the reported information will be corrected but it wasn't and she didn't share her direct contact information.
Consumer complaint received 2022-10-12
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. (SC)

I am making another report towards XXXX, XXXX, and Equifax in reference to XXXX XXXX BANK account number ending in XXXX. I am a natural living person writing this account!! I have been making multiple disputes because these credit bureaus have been violating my rights and preventing me from getting a mortgage to have a better living situation. 
This account was sent to collections without my knowledge which is completely unfair and discredits my character in making on time payments. 
This account has been reported inaccurately as closed on one credit report and still open on two credit reports, I have disputed this inaccuracy multiple times and none of the bureaus investigated properly to fix this which AGAIN violates my rights under the Fair Credit Reporting Act.

The Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

15 U.S.C 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 the information is inaccurate
Consumer complaint received 2020-06-23
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. (CO)

The 3 major credit bureaus are up to their dirty tricks again. Reporting false and inaccurate addresses on my credit files. 

they are reporting the following addresses which are INCORRECT 1. XXXX XXXX XXXX XXXX, NC XXXX ( I DO NOT LIVE IN NORTH CAROLINA ) THE ONLY ADDRESS THAT SHOULD BE REPORTING ON ANY OF MY CREDIT REPORTS IS XXXX XXXX XXXX XXXX  XXXX CO XXXX ARE THE BUREAUS THIS DUMB TO REPORT AN ADDRESS THAT IS SIMILAR BUT IN AN ENTIRE DIFFERENT STATE. THIS IS WHY THEY MAKE ERRORS ON PEOPLES CREDIT TO INTENTIONALLY HURT THEM AND RUIN THEIR CREDIT.
Consumer complaint received 2020-06-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

I filled chapter XXXX in XX/XX/XXXX. I was never late with my mortgage. Starting in XX/XX/XXXX they started putting unpaid amounts on my mortgage statement. I've called and called to get answers on why that charge was on my statement and no one knows why. I've paid {$300.00} dollars toward that unpaid amount. I told my BK lawyer about it and she sent me a legal document from the court that it should've been only {$400.00}. I just want answers on why would they be charging me more than the amount stated on my invoice.
Consumer complaint received 2023-02-17
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. (FL)

While in the process of purchasing a house, I reviewed my credit report and discovered a significant number of negative items listed. This is in direct violation of the 15 USC 1681 law, which clearly states that such damages should not appear on credit reports. The presence of these items on my report constitutes a clear case of defamation of character, which must be addressed. It is imperative that all information presented in this matter is accurate and relevant to the case at hand.
Consumer complaint received 2021-03-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (TX)

I opened an account with Coinbase and things seemed okay for almost a week. Then with no explanation, my account access was blocked, and I can not log in. 

I have sent 6 emails, asking for help, and I received one automated email saying they were looking at the cause of the problem. I sent a follow-up email asking for an update, and received a reply saying the case was closed. - However, my account is still locked. 

I opened another case via email, and received the same reply that the problem was going to be reviewed. I have sent 3 additional emails asking for an update, but now I get no reply 's at all. 

At first, I thought perhaps their system was having a problem, but with the lack of customer notification and contact, it is my sincere belief that they allow an account to be opened, and then they freeze the account after crypto positions are purchased, perhaps to ensure the positions can not be sold as the market drives their value lower. 

In one of my emails, I asked they either unfreeze my account, or sell the holdings and send me the proceeds. ( Again no response at all XXXX This company has no customer support by phone, except to report fraud on your account, which causes the account to be shut down. - No one will speak with me. 
At this point, I believe I have been scammed out of nearly {$600.00}. 

Any help you could provide would be most appreciated. I am not unreasonable - If someone from Coinbase could at least explain what the problem or issue is, maybe I would not be feeling like they are a scam company that needs to be investigated. 

My account has been un-accessible Since XX/XX/XXXX.
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

XX/XX/20 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to XXXX, XXXX, and Experian. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/20 Today is XX/XX/20 and I still havent heard from these companies.
Consumer complaint received 2021-03-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AK)

Apparently there are algorithyms used by credit reporting agencies that " CODE '' your dispute based off key words in your dispute, like " not mine '' or " bankruptcy '' or " never late '', and within hours to days, you get a computer that sends an automatic reply to you saying your dispute has been " investigated ''. Something that many credit reporting agencies are well aware of and likely CFPB, so making any type of " complaint '', does NOTHING. STILL, I will NOT STOP until I get past the Algorithyms and get some who will ACTUALLY look a things. 

my credit score with Equifax MYSTERIOUSLY went from XXXX with EQUIFAX to a XXXX!!! in a WEEK!!!! 

Although NOTHING with ANY of my current creditors has changed. What they have done NOW is to go BACK into CLOSED BANKRUPTCY CREDITORS ACCOUNTS, and make DEROGATORY comments, and even allow for old creditors to change comments from Bankruptcy Chapter XXXXDischarged to LATE/COLLECTIONS or LATE/CHARGED OFF or LATE PAYMENTS and how many. 

Some of these account date back to XXXX!!!! THEY SHOULD NOT EVEN BE ON MY REPORT! 

I WANT ALL THESE THAT ARE OUTDATED, REMOVED. I WANT ALL THE COMMENTS REMOVED and RESTORED to BANKRUPTY/CHAPTER XXXX. 

I don't know how someone who has worked for 3 years to rebuild and has EXCEPTIONAL payment history SINCE, suddenly and without explanation, DROPS XXXX points!!!! 

EQUIFAX has some explaining to do!
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2020-12-19
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. (NJ)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.