davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-06-24
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: Kubota North America Corporation (AR)

The complaint I have with each company is, my rights were violated. I recently came across information from the Federal Trade Commission more specifically the Gramm-Leach-Bliley Act 15 USC 6802. On one of the accounts ( XXXX ) my now ex-husband purchased the unit with me as the buyer and him as the co-buyer with all of my information. I never signed any documents, nor did I give him premission to do so, because we were married at the time, I didn't want to prosecute him. After looking at the original documents. I've never lived at the address on the document, nor did I sign anything, someone had to sign my name. I will attach all of the following correspondence letters I've sent to these companies as of XX/XX/2022 with no resolution. My student loans have also been XXXX due to a permanent XXXX, but they're still being reported.
Consumer complaint received 2020-05-14
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX {$91.00} XXXX XXXX XXXX {$92.00} XXXX XXXX XXXX {$2300.00} XXXX  XXXX {$530.00} XXXX XXXX {$100.00} XXXX XXXX   XXXX {$650.00} XXXX  XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX {$2700.00} XXXX  XXXX {$23000.00} XXXX  XXXX {$530.00} DEPTEDXXXX XXXX {$1000.00} XXXX  XXXX {$1700.00} XXXX XXXX XXXX XXXX {$650.00} XXXX  XXXX {$2300.00}
Consumer complaint received 2023-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 4. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-06-24
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. (VA)

On XX/XX/XXXX my XXXX Credit Report score changed from a XXXX to a XXXX my score dropped a total of XXXX points due to XXXX XXXXXXXX XXXX XXXX  removing a remark. XXXX XXXXXXXX XXXX was also included in my XXXX XXXX XXXXXXXX as of XX/XX/XXXX. This account is also over XXXX XXXX XXXX and needs to be deleted from my account. I want the points back that I lost as a result of an account that should not be listed on my credit report, to begin with. I want this information removed from my XXXX, XXXX, and Transunion Credit Reports including XXXX XXXX 

XXXX XXXX is reporting me as late, account charged off, account closed, derogatory info, etc. this is not even my account and is a fraudulent account. I also lost points on XX/XX/XXXX as a result of a remark that was added to this account. I want this account deleted and removed from all of my XXXX, XXXX, and XXXX  Credit Reports including XXXX XXXX 

XXXX XXXX is reporting me as late, account charged off, account closed, derogatory info. etc. this is not even my account and is a fraudulent account. I also lost points on XX/XX/XXXX as a result of a remark that was added to this account. I want this account deleted and removed from all of my XXXX, XXXX, and XXXX Credit Reports including XXXX XXXX 

I have requested multiple times that this info be deleted and removed from all 3 of my credit reports yet it still remains even though the information is inaccurate, fraudulent, and was included in a recent XXXX XXXX bankruptcy, including costing me points due to remarks being added/removed. I am not understanding why nothing is being done about this and why I have to keep filing complaints over and over again for someone to take immediate action ASAP.
Consumer complaint received 2022-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Healthcare Finance Direct LLC. (TX)

My nephew asked to use my card in XX/XX/2021 to make a one time payment on his XXXX XXXXXXXX XXXX aligners. Apparently when a card is in the system it is setup on autopay and I was not aware of this. I contacted Healthcare Finance Direct with my nephew to ask them to remove my card information. They went on to say they can not remove my card without him adding a new one. He do not have a card to add, so they refused to remove mine. Per the rep I spoke with they could not remove his card without replacing one. They provided a email address of XXXX to request them to remove it. I receive a response from them and they say they can not remove it either. I want my card removed, I do not have an account with them and am not responsible for the payment. 

Name on account : XXXX XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX Telephone # XXXX
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (AL)

On XX/XX/XXXX I placed an order via the XXXX app. The items purchased were supposed to be delivered on XX/XX/XXXX, but I never received them. I then contacted XXXX 's guest relation via chat where an agent offered a refund and replacements. I refused replacement because if the original items were not being delivered in time, why would I need replacements. After not receiving my refund within the time frame given. I reached out to both Way2Go Program who handles the card services for XXXX  XXXX XXXX and XXXX. After going back and fourth with both companies, I finally received and email from XXXX guest relations stating that my refund was processed on their end that I should reach out to my bank. After contacting Way2Go, again they stated I should go ahead and file a dispute. I was given a provisional credit about XXXX weeks later. On XX/XX/XXXX, i noticed my account in a negative balance and was told it was due to a reversal of a provisional credit due to a denied dispute. I have contacted both XXXX and Way2Go program who both continue to tell me to contact the other.
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I have been trying to purchase a car since XX/XX/XXXX. The finance company can not retrieve my Equifax score. I find out from Equfax that they won't release it because the information Equifax has on file is an address I lived at a DECADE ago and they have my maiden name on file which is also from a decade ago. At some point Equifax changed my information back to these which are incorrect. I bought a car last year in XXXX of XXXX with this same dealership and my credit was run without incident. Somehow, it was changed within Equifax 's system without my knowledge or consent. This has caused me to miss work as I have been unable to qualify for my car loan even though I got one JUST LAST YEAR. This is absurd.
Consumer complaint received 2020-05-14
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)

According to the FCRA, any item that is proven to be inaccurate has to be removed from my credit reports. Please note that XXXX is reporting inaccurately and the account lists many inconsistencies. This item was in dispute with XXXX  on XX/XX/2020 and somehow it returned valid. I immediately sent over a MOV ( method of verification ) and it returned as remain on XX/XX/2020. The report number is XXXX. I havent received any paperwork on this account and the bureau ignored my request for the proper MOV. How were you able to verify so quickly and HOW? I feel like I am being treated unfair and this company is being allowed to destroy my credit reports and character. My reports are a reflection of ME. 
This item needs to be removed from all three of my credit reports as it is in fact reporting inaccurately.
Consumer complaint received 2020-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CO)

I recently applied for a home loan and was denied do to fraudulent activities. I have never applied for XXXX XXXX XXXX XXXX credit cards or have I used this card. I have recently tried to dispute this directly with the bureaus and asked for an Itemized bill, they verified as accurate. This is not fair to me because in fact the information is inaccurate. I have been dealing with identity theft since XX/XX/XXXX. My name is very common and all these items on my credit report have affected my life negatively. I am unable to apply for Personal loans, Credit cards, Car loans, Phone services or even a Home loan. I called XXXX XXXX XXXX XXXX XX/XX/XXXX to provide them with a police report number XXXX that I filed with Officer XXXX. I have also had issues with the IRS because of this. Somebody else is using my SSN and/or there's a mistake when these companies are adding them to my report and there not checking for the correct SSN & DOB and just applying it to the first person they come across with my exact name.
Consumer complaint received 2022-06-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

For my Application # XXXX for a checking and savings account, Citizens bank emailed me an approval letter ( attached ) and subsequently and without notice locked me out of online banking. Upon calling in and being thrice transferred and a 35:00 minute wait time ( in aggregate ) I spoke to a supervisor who said a letter was mailed that my accounts had been closed. 

I was unable to reach resolution with the said supervisor to have my new checking and savings account property open and activated.
Consumer complaint received 2022-06-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (PA)

Hi, I was given a fraudulent electronic check by an individual I was selling furniture too. On XX/XX/XXXX, I received {$2300.00} as a check and deposited it using Chase mobile app. The amount requested was {$1100.00} however the buyer said they were given this check in this amount as a relocation bonus from work and I can deduct the XXXX and return the rest once the check is deposited. On XX/XX/2022, I noticed the money was available in my balance at around XXXX. The buyer had reached out asking for the rest of their money. I first called Chase bank in XXXX, PA and spoke to an employee of the bank to confirm the money was available and that the check had cleared. I was told the check was cleared and that the money was good to use. I then proceeded and sent the remainder of the money to the buyer using XXXX through chase app. Later that day, around XXXX, I noticed the money was deducted from my account and when I called Chase , they said the issuers account was frozen from the other bank. The transaction turned out to be fraudulent. I called numerous times and spoke with many supervisors and explained the situation. The said that because I used XXXX, I submitted the transaction and Chase can not reimburse me. The claim was denied. I called many times again to have them understand that the issue was from Chase and not XXXX. I called Chase to get confirmation that the check was cleared and I was told it was. I would have never sent money through XXXX if I was told that the check was not fully cleared, that I should l wait. But I was given the green light which ended up with me losing {$1200.00}. After endless calls, the last claims manager understood they made a mistake but said they could not do anything about it. Please help me with this issue.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

Each company is showing Inquiries on my report that are false. I have provided proof and the company who sent furnished the inquiries also reached out to them expressing that they should be removed and they have not yet done so. I have contacted each company as well as place a CFPB complaint on this issue and it has not been removed from my credit reports. I have the exact letter from the furnishing company on what should not be on my reports at all. this is hurting my credit and my opportunities! below are a list of the inquires that should be deleted asap. 

Date in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (WA)

This is a complaint against the company Coinbase. On XX/XX/2022 I had {$200000.00} removed from my Coinbase wallet without permission. Once I tracked down where the money had been moved to, I was made to believe that the money was being used to mortgage mine and the profits would be available to me on XX/XX/XXXX. I watched as my profit grew and on the XX/XX/XXXX I attempted to remove my profits, another $ XXXX. I was told I needed to add another $ XXXX in order to be able to withdraw not only the profits but the amount that had been stolen initially. I have given them three days to return the money and have seen no progress. I have screenshots to document the entire process including the address that initiated the entire process of stealing my money. Coinbase allowed my money to be taken by the hackers without me ever given permission. I hired a company to track down where the money had gone and they tracked it through to the XXXX XXXX. The institution that was supposed to protect my money decided to earn money from their valuable consumer loosing it. I wasn't even given the chance to refuse this action.
Consumer complaint received 2020-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CO)

I recently applied for a home loan and was denied do to fraudulent activities. I have never applied for XXXX XXXX credit cards or have I used this card. I have recently tried to dispute this directly with the bureaus and asked for an Itemized bill, they verified as accurate. This is not fair to me because in fact the information is inaccurate. I have been dealing with identity theft since 1998. My name is very common and all these items on my credit report have affected my life negatively. I am unable to apply for Personal loans, Credit cards, Car loans, Phone services or even a Home loan. I called XXXX XXXX to provide them with a police report number XXXX that I filed with Officer XXXX. I have also had issues with the IRS because of this. Somebody else is using my SSN and/or there's a mistake when these companies are adding them to my report and there not checking for the correct SSN & DOB and just applying it to the first person they come across with my exact name.
Consumer complaint received 2022-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This account is inaccurate and an FCRA violation. XXXX  # XXXX. I'm unaware of this account and did not receive notification about of debt. If you believe you provided notification, please PROVIDE CERTIFIED RECEIPT. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification.
Consumer complaint received 2022-06-24
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: EQUIFAX, INC. (AR)

While reporting these accounts, the reporting companies are violating my rights according to the Fair Credit Reporting Act. My federally protected rights to privacy and confidentiality have been violated by reporting agencies according to 15 U S Code 1681.My rights have also been violated by the lender because they never gave me the option to opt out of this information being reported. 15 U S Code 6802 clearly state that any financial institution that share information with third party affiliates are required to give the consumer an option to opt out of their information being reported. That option was never giving to me. 15 U S Code also states I have a right to privacy, and going on to say that reporting agencies can not furnish reports without my consent. I have tried time after time to dispute these items but the continue to be reported by two consumer reporting agencies. 
Account # XXXX US DEPT OF ED/XXXX  Amount {$44000.00}
Consumer complaint received 2020-05-14
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. (NY)

i ask to have my credit freeze removed from Experian credit co. with certified mail twice and been a month and still frozen! i have tried for days to get threw to them! I am a XXXX  senoir citizen and need to buy my lease out! i got a month before turn in! please help! these people got everything on info possible!
Consumer complaint received 2022-06-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (MD)

Applied for a short sale with The Money Source - servicer for the FHA loan. There is a partial claim as well that was part of a loan mod before XXXX took over the loan. XXXX has no clue how to service an FHA loan and closed out my review even though I have an offer at the appraised value because they did not include the partial claim in their calculation. I requested an appeal through my online portal and it has been over 2 weeks and the appeal is not open because they are saying the email had to go somewhere else. My attorney also sent in documentation that they are incorrectly servicing the FHA loan and they claim they did not receive it, even though counsel has a confirmation email that it was received. Called in on XX/XX/XXXX to check on the appeal and was told it had not been submitted. XXXX, the XXXX for the account said she would get it submitted. Called in on XX/XX/XXXX to check on the status of the appeal- was told it is a closed file, no appeal ever received. Not sure how that jives with the XX/XX/XXXX call when XXXX could see it, but now they cant. The Money source will not take responsibility for not reviewing the file correctly and instead putting the blame on their borrower. there is an attorney on this case, the attorney sent in the documents on XXXX, but they will not open the appeal because the borrower sent an email in the secure portal and not to the generic " lossmitgation '' email. This is ridiculous.
Consumer complaint received 2022-06-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP (NH)

I have an escrow set up. My property taxes were due XX/XX/XXXX. Multiple times in writing I asked that my property taxes be paid before the due date with no response until I filed a separate complaint on this site. Even then no response to my issues multiple times and I still have not heard from them. It was paid 13 days after the due date. I sent a notice of error to XXXX XXXX on XX/XX/2022. This is not acceptable. I pay all my bills early. I have an escrow account expecting that this company will not ruin me financially.