davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On XX/XX/2022 I received a call from XXXX XXXX asking for XXXX XXXX and when I identified myself as XXXX XXXX they said they were XXXX XXXX and my account was past due and asked for my DOB to verify my identity. I figured it was a scam so I ended the call. Checked my credit report and found I indeed had a XXXX XXXX XXXX  DBA XXXX XXXX showing up for a {$3000.00} loan balance. I have never heard of this company before so did some research and found they send out preapproved loan post cards regularly to people. I'm assuming someone got one of these with my name and took advantage of Balance Credits sloppiness. For the last year I have tried to explain I have no need for their business, and have not done any business with them EVER. The first people I talked to there did some research for me and agreed, it was not me and it was sent to a bank that I do not bank at ( they would not disclose where it was, but foolishly I told her my bank name and she said that was not it so I know it was not mine ), and an email account with Outlook which I do not have any personal Outlook email addresses. They have been unwilling to help me even though they know this is not me. It is ruining my credit, and now my interest on anything I buy is sky high and I want them held accountable for their actions.
Consumer complaint received 2023-06-18
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. (MO)

I'm a victim of identity theft and however, this is affecting me with my goals and my credit score. Theirs also inquires that I did not make and need to be investigated and removed asap I did reach out to the credit bureau with letters as well and nothing has been done. below are the unauthorized inquires and under 15 usc 1681 I hope that this matter is taking care of ASAP. Thanks, and XXXX XXXX XXXX. XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I have been working on my XXXX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Address is XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX and the CORRECT Address is XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 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. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2023-03-22
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. (CA)

I have attempted to dispute an erroneous loan account through XXXX, XXXX, and Transunion. All three credit bureaus have closed my dispute with no resolution and the incorrect information remains on my account. I paid off a loan in XX/XX/2023 in the amount of {$680.00}, the loan company ( XXXX ) insists they sent the documentation that the loan was paid off on XX/XX/2023. XXXX is showing the loan as paid off, but the three credit bureaus are not reflecting the accurate information. This may be an issue with XXXX as well. I would like this account completely removed from my credit report as this has been a terrible issue that is still impacting my credit.
Consumer complaint received 2021-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE (CA)

I called Barclays at XXXX on XX/XX/2021 to request my full balance owed and to pay it all off. The agent told me the full amount owed was {$1000.00}. I authorized the payment from my XXXX XXXX XXXX checking account. This is the account where automatic payments were already in place. I was very specific in asking them for written confirmation that the full amount owed was to be paid and that the account was closed. I was told the account was already closed and I would receive email or letter to that effect. On XX/XX/2021 I confirmed with my online credit union account that the total was transferred from my account to Barclays. Also on XX/XX/2021 received an email from Barclays. It only stated that they received a payment. It didn't indicate my balance or anything else. So last night XX/XX/2021 I get an email that I still owe {$3.00}. I called XXXX went through the prompts and just paid it. This morning I called Barclays, spoke with XXXX, to ask where these new charges came from. I didn't get any intelligible or satisfactory explanation. I then asked ( again ) that they send me an email stating that I owed them nothing. I was told I would need to call back later to check on this myself. I asked again for THEM to send me an email, but XXXX stated they would only mail something out within 7 to 10 days. 
At this point I need help as I feel they are just harassing me with new false payments. I still haven't received anything in writing. The whole time they were taking automatic payments, I never knew my remaining balance. I'm not trusting their word anymore.
Consumer complaint received 2020-12-05
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. (NC)

Ive submitted disputes before and the company has not responded to me. These accounts are fraud and were not opened up by me. I did not obtain a loan through to go to school.
Consumer complaint received 2021-02-25
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: DISCOVER BANK (VA)

I've submitted several credit dispute with the the 3 major credit reporting agency and the negative information is still showing on my credit report. I've even ask for proof and sent in proofs of where I was living at the time the account were open in my name. They have the proof that these account do not belong to me but the continue to bully and harassment me into paying for something that isn't mine.This information is still on my credit reports. I would like to have these negative errors remove stating with XXXX, discover card. I didn't open these account up in my name I just became aware of these account in 2019. So again thank you for your attention to this matter.
Consumer complaint received 2020-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (DC)

Shellpoint is stealing hundreds of dollars from me every month for " lender-placed '' insurance. I have been battling this company for years. I provide them evidence of insurance. They keep taking money from my accounts, regardless. 

They won't stop. They previously responded to a complaint by lying to the CFPB saying they were not taking funds for this lender-placed insurance. They are, and won't stop, even though I have insurance, have provided documented evidence for years.
Consumer complaint received 2023-03-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (GA)

I wish to practice my right as a customer of Coinbase to use your organization 's service, seeking a formal, impartial investigation to amicably settle my dispute ( Ref : # XXXX ) with Coinbase. In order to clear up the myriad of letters and correspondences I have hitherto sent to Coinbase respecting my complaint, I believe it will substantially strengthen both my case and your understanding, by taking a deeper look at the happenings of my case and analyzing the relevant facts in an objective and comprehensive fashion. It is crucial to note that I have been manipulated, socially engineered, and coerced to engage these fraudulent criminals. Much to my embarrassment, I recognize that I am the victim of an investment scam. My complaint to the CFPB has arisen as I do not consider, by any stretch of the imagination, the conduct of Coinbase to be commensurate with their legal role and responsibility to their customers. They sell a service to look after their customers, and protect their money and are a financial institution that maintains a traditional relationship and way of working with its customers. During the complaints process with Coinbase, I found their communication ineffective, which further hides their conduct to management and diminishes the service offered to their clients. They are struggling to adapt their business offering in the ever-changing world of IT development. The internet is presenting a real problem that they choose to manage in a way that is not in line with the rules and regulations of CFPB as well as their own internal policy and procedures sold to their clients. 

Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by Ethminingsvip.com which involved me making deposits for a total amount of XXXX USD from my Coinbase account to the fraudulent investment firm.
Consumer complaint received 2021-05-14
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: Experian Information Solutions Inc. (GA)

Experian has improperly updated an old charge off, as a new charge off on my credit report. This action dropped my credit score over 20 points, for simply paying off/lowering the debt on my credit report. The same charge off that was paid off raised my XXXX score over 20 points. Please have them fix this error. They are adversely affecting me. The account in question is XXXX XXXX. They are showing a new charge off XX/XX/21 with their update. That is inaccurate.
Consumer complaint received 2020-12-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

My name is XXXX XXXX and I just started to find out that someone stole my identity. Starting in XXXX of XXXX I started getting alerts from zelle for my other 2 accts. At XXXX and XXXX. I never used zelle before but when I asked the banks they wouldn't give me any information. So I never received the funds or any information on where they came from. I notified the treasury about this suspicious behavior and never heard back. I also notified agencies about ph hacked redirects on calls n emails. I have new contact info. I think I had some trust acct/inherited monies but I don't know how to tell. I want to complain about never being contacted, or told anything when I asked. Zelle doesn't even have have a site to see past transactions. I check online with chexsystems 2c what bank they had in my name and wasn't seeing anything I understand. So currently I'm looking for bank history on wire transfers that were for me thru XXXX, XXXX  XXXX XXXX, XXXX, and XXXX XXXX  XXXX. I had other account back in XXXX that I thought closed but maybe they didn't close. They are XXXX XXXX, XXXX  XXXX  XXXX XXXX and XXXX XXXX XXXX, XXXX. 
My old info that was stolen was ph # XXXX XXXX XXXX, old last name was XXXX, XXXX, XXXX. The 1st 2 were by marriage but XXXX was my maiden name and the name I use today since XXXX. The last 4 of my ss # XXXX. Currently on ssdi since XXXX n have been without a XXXX  since XXXX when I filed bankruptcy in XXXX. Which I just found out was dismissed but never notified. I need information and help. I think my accounts have been tampered with, even ones I didn't know about. My life is getting more difficult and now my checking account are XXXX is sealed under confidential and I can't see it or pay my Bill 's. I'm headed back to XXXX  with in the next week to try n see what's going on and get my money out. Please contact me with any questions or if more info is needed. I also want to include XXXX, XXXX XXXX and any other company that handles financial transactions. Included XXXX  XXXX XXXX XXXX and XXXX  XXXX. 
I need to get a history of transfers, complain about not getting help at my current banks and where I can get the financial history information so I can see what's going on since my divorce in XXXX. 
My current info is XXXX XXXX XXXX XXXX XXXX. 
XXXX or XXXX *I 'm also going to contact the department of real estate because I think I should find out what happened to my home in XXXX XXXX ca. XXXX or XXXX which is why I found out my identity was taken. Even my car ( XXXX  XXXX  ) or any claimed property thru unclaimed or echeated accts. 

Thank you
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

I have a few student loans through XXXX/UTAH XXXX. These loans have been in deferment for a while now. I have not been able to make a payment on these debts for a while now and I have communicated with XXXX and let them know that due to COVID im not in a position to pay these students loans and again i am i deferment but they are reporting lates. I need these lates to be removed from my credit file. Under the Federal Mandate, CARES ACT, you can not report lates during the pandemic and plus my account is in deferment.
Consumer complaint received 2022-07-31
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. (PA)

In accordance with the Fair Credit Reporting Act, XXXX, XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-03-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (GA)

XXXX XX/XX/2023 cash app Cash app is misrepresenting their services and are not making the proper changes in a timely manner, I spoke with 4 representatives due to an issue that is solely based on a discrepancy with cash app system I had funds transferred in order to handle my bills and personal matters and they are illegally holding my funds and not allowing me to make the proper transfers to my bank. A representative told me there was no issue on my end and proceeded to lock my account forcing me to a account hold which in these times which in many ways is deceptive and inconsiderate of the. Consumer then seek to bind me to a investigative period when I am told the issue is not on my end and I have matters personally that must be attended to. Cash app should diligently release my funds to me. The funds are rightfully and legally mine. 
The Dodd-Frank Act prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ) by financial institutions, including peer-to-peer payment apps like Cash App. Examples of UDAAP include : Misrepresenting the terms or costs of a financial product or service. 
Charging fees without disclosing them properly or in advance. 
Making unauthorized charges or withdrawals from a user 's account. 
Failing to investigate and correct errors in a timely manner. 
Using harassing or threatening collection tactics.
Consumer complaint received 2021-05-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

The alleged action issue of account administration regarding XXXX XXXX XXXXXXXX left in estate will forbides listed. Rewritten documents altering the originator 's name ( XXXX XXXX XXXX XXXX changed to XXXX of initial line of instruction, i.e fraud of will ) The first bold faced writing of the entire instruction stating verbatim. " IN TRUST, NEVERTHELESS, to invest or reinvest the same. '' Accusations in accounts of trustee XXXX XXXX XXXX inquires improper investment of funds into XXXX XXXX XXXX. Withdrawing of co-founded B of A ( Bank of America ) account and third time of administrating and title name change. The stated account ended up in a name unother and unaurthorized of me and depleted. This unadvised rule allowed CPA XXXX to remove the title, Beneficiary of Trust, from the account funding investment with XXXX XXXX XXXX. Mishandling of the 35 year old account led to me not once having a say of its use though requested by my grandfather, XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-03-22
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)

It was revealed in my credit report that a collection account is fraudulent that I did not authorize. I would like this accounts immediately remove from my XXXX, Transunion, and XXXX credit report : Account name : XXXX XXXX XXXX Acct number : XXXX Date open : XX/XX/2023. THE ACCOUNT IS STATED OPEN BUT IS IN COLLECTIONS. I respectfully asked the creditor to provide some kind of proof of these alleged items, specially the contract, note, or other entrustment bearing my signature. additionally, to please provide the name, address, and telephone number of each credit grantor or other subscribers. It has been over 30 days and I haven't got a response. Under federal law they have 30 days to complete a reinvestigation. as well that the description of the procedure used to determine the accuracy and completeness of the information is herby requested as well, to be provide within 15 days of the completion of the reinvestigation. 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.
Consumer complaint received 2021-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. ()

I was a client of BBVA bank, which was purchased by PNC bank. I received a letter from PNC stating that as from the date of the takeover, I would be able to access my account on PNC using the same user name and login I used to have for BBVA, but this is absolutely not true. I called the number indicated by PNC and the person told me the only way I could get a new pin to access my account was to send a letter to the bank in XXXX and wait for a new letter with a pin. Sent the letter, never got a response. Then I received an email from a so called " Case Manager Retail Support '' asking me to get in touch. I called several times, replied the email with my contact info and never got a call back. I am still unable to access my bank account and I have mortgage payments being debited in such account, I need to have access urgently. The bank renders a lousy service and simply ignores the clients.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Marlette Funding, LLC (NY)

MARLETTE funding has responded to CFPB compliant that the inquires that I am disputing were due to me applying for credit 4 times for the 4 inquires through XXXX XXXX and XXXX. I in fact have never applied for credit or a personal loan. MARLETTE funding please provide me documentation of me applying on those dates. 

MARLETTE funding please provide me documentation of the application me giving permissible purpose. If MARLETTE funding can not provide such documentation then MARLETTE funding must delete/ remove inquires off my report. And also a settelement of {$2000.00} for the 4 inquires for the impressible pulls. Or I will sue in federal court for violating FCRA rights and have attorney fees court fees covered by this company. 

I sent in 2 letters through mail and MARLETTE funding hasnt gotten back in my letter through mail. My last letter was sent yesterday regarding the same matter. Still havent received a letter back from MARLETTE funding through mail. If I dont get a letter through mail from MARLETTE funding I will begin the litigation process.
Consumer complaint received 2023-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (MA)

On XX/XX/XXXX there was a credit inquiry done on XXXX by XXXX XXXX and this is fraudulent. I never applied for a loan or a credit card. 

On XX/XX/XXXX there was a credit inquiry done on XXXX by Barclays Bank of Delaware. I never applied for a loan or a credit card.