davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-22
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: Experian Information Solutions Inc. (OH)

I applied for a credit card though XXXX with the sole purpose of receiving and up to date and accurate credit score. I was approved. I waited for the paperwork to come in the mail to provide me with score and relevant information they received in which this decision was made. It was not included. I downloaded the app and searched all communication- it was not available. I called and was transferred 4 times. Finally, the data analyst said they dont have access to this information nor could the provide it. I asked that it be mailed to me, assuming security wouldnt allow them to give it over the phone. She stated she could not. I was escalated to a supervisor who said if we had to disclose that information, we would have and recommended I check XXXX XXXX. 
I believe I am entitled to the information which was used in determining my eligibility for a credit card, including the score at time of application and approval.
Consumer complaint received 2022-08-22
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)

In accordance with the Fair Credit Reporting act 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-09-02
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. (GA)

XXXX has ignored my request for validation. 

Please provide the following proof accordance with the Uniform Commercial Code : The Notice of Reinstatement letter with the return signature receipt that would have given me the ability to buy back the vehicle. This needed to be sent to me within 5 days the car was repossessed with the fees and late payment amount.

The Notice of Sale when you put the vehicle up for auction.

The Notice of Deficiency letter/ Post Sale Notice with fee details after 10 days of the vehicle sale date. The original signed contact from the original cre
ditor.

Effect of errors or omissions.

Under the laws of the State of Florida, Uniform Commercial Code Chapter 670 - 680 and State RISA and MVISA statutes a deficiency can not be claimed unless all the required notices were properly and timely given, and all the allowable redemption and cure time limits were adhered to.
Consumer complaint received 2022-08-22
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. (NY)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 Ay States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-09-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO. (KY)

Ford Motor Co. I am a co-signer for him. He owes for month of XXXX ( {$450.00} ) and now XXXX 's would be due XXXX XXXX. He claims ( Im his mother ) that he entered the wrong numbers of his debit card when he paid online on the XXXX. I now get emails for when he pays. It apparently took 10 days -Ford stated bank wouldnt release. If the bank would have called him or e en Ford at that time, which they didnt he would have corrected. He is not good with a bank account, and the bank knows it as well. I am complaining because Ford called me, didnt leave a msg on XXXX XXXX @ XXXX. I called them back and found out the reason. I relayed to my son, who told me he spoke with them and ( his words ) supposedly paid them. They called again today XXXX XXXX @ XXXX, left no msg. I then blocked the number as I was tired of it. They now sent me a text msg @ XXXX. I believe it's gon na be to the point of excessive later. I am retired military, draw Social security and Ford knows that. I believe I am the one who is being pressured. He is a veteran who's only income now is VA XXXX and Social Security.
Consumer complaint received 2021-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC (TX)

The Servicer : Heartland ECSI I applied for Loan deferment with this organization as I did with my other two loan servicers. Both of the other two had simple online forms that could be filled online or e-mailed in and one could easily deal with the deferment. Their phone lines are open to deal with students their chat lines are handled with professionals, and e-mails are returned with proper information to deal with their customers as human beings. 

ESCI on the other hand has the worst customer service I have known. Their phone line requires hours of wait if you hold on. They give you the option of returning a call. Which doesn't happen. Their chat and e-mails are a waste of time, that send you back to the phone system, which as I explained earlier, takes hours to deal with.

All documents must be sent through the mail. Which I complied with. When I called them to see what happened to the documents I sent. According to ECSI, the documents did not reach them in time. Which inconsistent with other facts. I sent another package through the mail the same day. it was received and acknowledged before the deadline on the ECSI documents, even though it had to go farther than the ECSI document.

ECSI is not a good loan servicing organization. Their entire system is built upon the idea that people will give up trying to find solutions and pay the loan sharks. Or else their credit might be ruined. Either pay ECSI on time or have your financial knees broken.
Consumer complaint received 2021-09-01
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. (NJ)

On XX/XX/XXXX as a consumer of the United States, I sent Equifax a formal complaint about inaccurate and fraudulent information on my credit report that does not belong to me. I specifically listed their failure to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish. I also informed them that it is their responsibility to report only 100 % accurate information. I asked for a reinvestigation on 2 accounts. According to the FCRA, section 609 ( A ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. I demanded to see verifiable proof ( original consumer contract with my signature ) for the accounts listed below. I also let them know that I have been hindered in obtaining credit because of these inaccurate fraudulent accounts and under the FCRA, unverifiable accounts must be removed. Accounts to be removed immediately. XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX. They have not complied with the law or furnished any documentation with my signature as proof that these items belong to me. Delete this negative information from my consumer report. Your ( Equifax ) Response which has been document by myself as well as the CFPB was please be advised that an investigation with the furnisher of the information has been initiated. On XX/XX/XXXX I sent in a complaint and you were suppose to due an investigation. 30 days have passed and you ( Equifax ) have not furnished any written proof that the items in fact belong to me. That means that you willingly keep negative fraudulent information on my consumer report without any proof whatsoever. Now your claiming to start another investigation. By law the furnisher had 30 days to get you ( Equifax ) the information you needed and you havent furnished any proof whatsoever. I want those negative fraudulent items removed immediately.
Consumer complaint received 2021-09-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (VA)

I am XXXX XXXX and I am submitting this complaint myself. There is no third party involved. I submitted my negotiable instrument paid in full to your company via certified mail and am in need of immediate discharge and correction on my credit report.
Consumer complaint received 2022-02-26
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. (UT)

XXXX. XXXX XXXX XXXX XXXX address is repeatedly reported as my current address, my XXXX XXXXXXXX is repeatedly reported as my " current '' & " prior '' address. The XXXX is my current address! They can't seem to understand what's accurate & what's not! 
XXXX. XXXX- they keep putting this on my credit report as " current employer ''. I don't work for this company! They are my auto lien holder only! I haven't applied for any credit that lists this as my " current '' employer! 
XXXX. XXXX XXXX XXXX XXXX XXXX - shows a balance owed when it was paid in full. 
XXXX. XXXX XXXX # XXXX - continues to show on my current credit report run XX/XX/22 that I " disputed '' this when I NEVER DID! I sent the notice of forebearance to update the acct. which went unacknowledged but still is reporting inaccurately as a " dispute '' by me numerous times.
Consumer complaint received 2021-09-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/XXXX, I applied for the American Express XXXX XXXX XXXX card. I was denied with the following explanation : * Your XXXX Small Business Blended Credit Score ( see below ) * Based on your credit report, you have too many requests for credit, as reported by XXXX XXXX XXXX XXXX. 
* Length of time accounts have been established. ( XXXX XXXX ) * The number of accounts with high balances in relation to their credit limits or original loan amounts. ( XXXX  ) My business was new, so I could understand a decision based off of that and would have accepted that as the only point. The issue is with the remaining information ; that the information that they based their decision off of was not my information, and American Express refused to rectify the situation by looking into it properly. 

First point, yes the business is a day or two old, so I understand this. 
Second point, it was my second hard pull for credit in 2 years on my XXXX  and XXXX  reports. 
Third point, 1.5 years average might or might not make a difference, though my oldest 2 cards are 2 years 5 months and 1 year 8 months, with my third and most recent 4 months old. 
Fourth point, I have {$32000.00} in total credit ( because the automatic credit limit increase isn't seen on this report yet by XXXX, the total available credit across 3 cards ( XXXX XXXX branded American Express card included is {$29000.00} ) with a total reported usage of {$1200.00}. 

Additionally they included : * Too few non-derogatory sources of information on record for you. 
* You have degrogatory public records associated with you. 

According to them, I have public records on my credit report with XXXX. This is inaccurate, and I was told to contact XXXX. I did. XXXX  told me that there wasn't any public records on my account, and I was told to contact American Express again, and then I was pointed at XXXX  again. Unfortunately in this case, no one is willing to take responsibility, nor are they willing to put the effort in. 

I have ensured that I have paid all of my accounts on time because credit is important. I have never missed a payment with these accounts, and it's absurd and defamatory that American Express would suggest otherwise!
Consumer complaint received 2021-09-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Fifth Third Bank Mortgage Loan Default Mortgage Loan Account XXXX Phone Call ( XXXX ) XXXX Tuesday, XX/XX/2021 Time : XXXX XXXX  Correspondence : Delivered via USPS Tuesday, XX/XX/2021 XXXX XXXX  Date : XX/XX/2021 Account : XXXX Important Information Regarding Your Mortgage Loan Default Contacts : XXXX ID XXXX XXXX ID XXXX, supervisor ( XXXX ) XXXX Call Center Supervisor Will return call later this afternoon XXXX returned call Tuesday, XX/XX/2021 at XXXX XXXX. 
Made XXXX XXXX XXXX XXXX payment {$540.00} escrow increase. 

Escrow XXXX New payment {$1300.00} Thursday, XX/XX/2021 XXXX XXXX  Missed Call ( XXXX ) XXXX My name is XXXX I'm calling from fifth third Bank I'm trying to reach XXXX XXXX if you could please return my phone call at XXXX I'm sorry at XXXX that is my toll-free line is XXXX my name is XXXX and I just wan na discuss some of your concerns today thank you very much and have a great day Returned call at XXXX XXXX  ( XXXX ) XXXX XXXX, Collections Department Told her I was dealing with XXXX, and she stated there was no such XXXX ID of XXXX. 
Put me on hold. 
Need to report to a XXXX Placed on hold. 
Attempt to call XXXX at XXXX XXXX XXXX XXXX Picked up be someone else and he disconnected call. 

XXXX Loss Mitigation and Hardship Attempt to call XXXX at XXXX XXXX ) XXXX States checks were sent via USPS XX/XX/2021 Check Number XXXX {$1200.00} XX/XX/2021 Check Number XXXX {$1200.00} Monday, XX/XX/2021 XXXX, Resolution Department XXXX XXXX XXXX will apply the {$540.00} payment towards escrow shortage. 
Will return call in 2 to 3 business days. 

New Monthly Payment {$1300.00} {$120.00} Friday, XX/XX/2021 Call from XXXX at XXXX XXXX  Still working on letter detailing resolution of escrow account and mortgage. 
Said to email letter to her to request cancellation of escrow by Fifth Third Bank. 
XXXX Monday, XX/XX/2021 XXXX XXXX  Received call from XXXX, Resolution Department XXXX XXXX She states Fifth Third Bank will not allow me to have my property appraised in order for me to remove escrow on my mortgage loan account. Just last week XXXX ( last name unknown, refused to divulge ) stated I would be sent form for requesting an appraisal after I submitted a letter to her requesting an appraisal, which I sent to her on XX/XX/2021 XXXX XXXX. 

Informed XXXX, Resolution Department, she was being advesarial with me, requested to speak to her supervisor, and she denied my request, stated she was as high as I can go. 

I told her I wanted no further contact from her.
Consumer complaint received 2021-09-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

On XX/XX/XXXX at approximately XXXX XXXX  my phone stopped working. 
I contacted XXXX XXXX XXXX which took several hours and they told me that my phone number was ported to XXXX. I asked who authorized the port and they said I did. I asked what is needed to port the phone number. They said on business accounts you need. 
Business name - Public information Business Address _ Public Information Tax ID # - Public information Cellular account # They would not allow the reversal because the number was no longer associated with XXXX XXXX XXXX. 
I had to go through a Fraud process and XXXX XXXX XXXX had to request it back from XXXX. 
I also called XXXX and pleaded with them that my number was illegally ported and if they could at least suspend the number. No one would help. 

Meanwhile the hacker at XXXX XXXX  initiated a password reset of my email account and a password reset of and a transaction at Coinbase. 
According to coinbase rules and regulations, when there is a password reset, and a transaction is initiated from a new device, there is a mandatory 24 hour hold on the transaction to avoid any type of fraudulent activity. I contacted coinbase within 90 minutes of the hack. 
The hacker also set up a XXXX on my email account so I was locked out. 
My computer at work was fortunately still logged in but I had to wait until the next morning to check it. Meanwhile I made a support ticket at coinbase and notified them that my phone and email had been hacked and to freeze my account. I did this at around XXXX XX/XX/XXXX. 

Coinbase responded at XXXX XXXX  on XX/XX/XXXX confirming my request. 
Coinbase  sent me an email at XXXX am XX/XX/XXXX - stating they were working with a specialist to address the issue. 
The next morning I checked my email at work. My computer was still logged inland I was able to check the activity that the hacker did, but was unable to take control back because of the XXXX. I found some information on the hacker. 
Email : XXXX Platform : XXXX Browser ; XXXX IP Address : XXXX I sent this info to coinbase at XXXX XXXX  XX/XX/XXXX They responded at XXXX XXXX  XX/XX/XXXX With the same generic email, stating that a specialist was working on it. 

Since then they have been non responsive. 
I have a police report, I contacted the FBI, and now in need of your help. 

To date there is over {$600000.00} in cryptocurrency that is missing.
Consumer complaint received 2021-09-01
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. (GA)

XXXX  XXXX - This account is not mine. I have contacted them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I did not purchase anything from them. I have disputed this but had no resolutions. My personal information was used without my permission to process transactions and open an account without my knowledge. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021 but Ive had no responses. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Consumer complaint received 2021-09-01
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. (PA)

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize, nor consent to any of these inquiries to be taken out in my name. Im unaware of any of this. All is being investigated by the FTC. Pursuant to the FCRA 15 USC 1692c-2 ( a ) they have 4 business days to block information. I have supplied my identity theft report, ID, statement, and proof of identity. A police report is not needed under this subchapter. Also pursuant to FCRA 15 USC 1681c-2 ( b ) ( c ) you the authority to decline or rescind but the information I sent was not blocked in error so the information can't be blocked. I have listed the items on the document attached.
Consumer complaint received 2022-04-26
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. (MI)

XXXX XXXX have tried the last two years not to provide me this transactions statement of my SSA benefits and avoiding to be forthcoming about the identity theft issue just lying before the regulatory agencies like XXXX XXXX XXXX. Because of my complaints they finally started to send the statements and always telling me everything is correct on the statements are another lie. 

They should be fined and penalized by the CFPB. 

Upon my review of my 1099 social security benefits statement for XXXX it says benefits paid XXXX are XXXX it says repaid none. It says paid by check or XXXX XXXX XXXX it says includes XXXX for XXXX. 

On the statements you have mailed me and employees at XXXX XXXX swear up and down that everything is correct it says but the statement from XXXX XXXX XXXX, XXXX says from XXXX thru XX/XX/XXXX you paid me debit and credit XXXX, XXXX PLEASE EXPLAIN THE SHORTAGE TO THE CFPB IN WRITING.
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Pursant to 18 USC 8, I owe no debt, This company ( XXXX XXXX XXXX ALSO KNOWN AS XXXX but showing up on my consumer report as XXXXXXXX XXXX ) is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years. 
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 know or has reasonable cause to believe that the information is inaccurate. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy an confidentiality THIS SHOULD BE REMOVED IT ALREADY STATES THAT IT MEETS THE FCRA REQUIREMENTS TO BE DELTED THIS ACCOUNT IS FRAUDULENT