davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-05
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. (MI)

TransUnion is reporting my previous residence addresses incorrectly. Some do not exist. They do not show correct information regarding the length of time I have lived at my current address. They could/would not tell me who supplied the wrong information. 
Despite trying to remove incorrect & obsolete phone numbers... they still show. 
My employment history is a mess. Misspelled employer, inaccurate length of employment times. Occupation incorrect. No data for the last 6-7 years I was employed. 
Rude, unknowledgeable chat employees at TransUnion. They do not know how to answer questions regarding issues, so they end the chat.
Consumer complaint received 2021-10-05
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: EQUIFAX, INC. (GA)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2023-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (MD)

I am requesting that you remove the late payment from my account as it is inaccurate. I have never been late with this account and have been working hard to make my monthly payments on time. This late payment is unacceptable and I urge you to take immediate action to rectify this error. I have attached relevant documents to support my claim.
Consumer complaint received 2021-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

I filed a claim with Wells Fargo for {$2000.00}. And they denied my claim without contacting me to verify anything! How could I make those fraudulent charges if I was at work during the time of the transactions and the transactions were in another state! Wells Fargo is lazy and just a scam of a company. They didnt even try to do a thorough review. Even when I called the resolution department he couldnt even tell me how Wells Fargo came to the conclusion to deny my claim. Had Wells Fargo taken the time to reach out to me AS THEY SAID THEY WOULD, I could have provided them with evidence to show it was impossible for me to make those transactions. Wells Fargo is a scam!!! The bank is utterly useless!
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.

Please take notice that I am updating my personal information with all 3 major credit reporting agencies as described in 1681a ( p ) to ensure that I am protected as a consumer. Therefore, I have enclosed proof of current residence, social security number, and a copy of my identification card. Please update my information accordingly. Any of the following personal information ( any name variations, social security number variations or date of birth variations ) that differs from the information listed below I hereby request its removal.
Consumer complaint received 2021-11-04
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: Experian Information Solutions Inc. (PA)

The refuse to fix the problem. This is not my account and they still have not sent me any documentation verifying what this inaccurate information is. It has been well over 30 days. I will be filing police report
Consumer complaint received 2021-11-04
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: Experian Information Solutions Inc. (MI)

Please remove these inaccurate inquires under the FCRA do not give me the run around or you will be fined under law for each inquiry I have contacted each bureau each creditor and I have not seen no updates. I have not gottten any response on how this could happen. I have not heard from anyone about this manner no written letter showing my iD, paper work, or anything when I been contacting each creditor and bureau for months!..
Consumer complaint received 2021-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (TX)

I am a Client of BBVA Compass Bank. This bank was acquired by PNC Bank. 
PNC bank sent notice that the new portal will have all our accounts transferred on XXXX. 
Schedule - published XX/XX/XXXX - Friday XXXX - Online and mobile access not available XX/XX/XXXX - Tuesday Transfered to PNC Bank and start using PNC Bank . 

Unfortunately nothing happened. 

XX/XX/XXXX - onwards - No access to accounts online or thru app.. 
XX/XX/XXXX or XXXX have access to personal account called virtual wallet and another business account that is not much used. 

No access to my main accounts and funds.. or the bill pay for paying bills. 

phones didn't work. current branch in XXXX is overwhelmed by crowd a no one is having access. We were asked to come back XXXXFriday again went to bank and after waiting for an hour, they asked me to fill the form with all the bank accounts that i need access and they would then link them. - XXXX time 3-4 days No response or change - no response to calls. 
XX/XX/XXXX - No access and no response from bank XX/XX/XXXX - called again - Still no access to bank. This time they asked me again to give them the account details so they can link. 

MEANWHILE ALL NY PAYMENTS FROM BILL PAY ARE DELAYED AND I DONT HAVE ACCESS TO MY BUSINESS ACCOUNT FROM XXXX ONWARDS. 

Auto payments to bills worked fortunately. 

XX/XX/XXXX - ACCESS TO ACCOUNTS BUT NO BILL PAY DATA. 
Now they are telling me that i have to enter all the data again. I complained to the supervisor and they said the super visor will call me - No response since 2 days. 

Please help. 
I don't have access to the bill pay nor do i remember the 40 -50 accounts that i setup. nor do i have the time to enter it all again.. 

Absolute horrible service by the bank and holding us hostage by not giving us access to our funds.
Consumer complaint received 2021-11-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (MD)

The company ( Coinbase ) manages virtual crypto wallets. The method of access is either mobile app or web app using typical user/password authentication followed with a XXXX or XXXX challenge . My account uses XXXX and when authenticating to the service the user/password combination is successful but the Coinbase telephone SMS short code is never sent with the authorization code that is required to input into the web/mobile app challenge to complete the authentication process. 

The issue was taken up with my mobile ISP ( XXXX ) who escalated with a tech support person and engineer to resolve the issue if it was on my end at the phone or their end at the mobile ISP service. My phone was fully reset to defaults and reviewed for any phone or code blocking that could prevent the Coinbase service from sending messages to the phone. Then we successfully tested other short code services ( XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX 's short code service, and several other short code services from other applications I use ) and reviewing XXXXXXXX XXXX XXXXXXXX  logs for my phone number, it was proven that the Coinbase was never sending their short code XXXX response. 

Before this process with the mobile XXXX, Coinbase 's online support pages had been followed fully, two times with no success. Phone calls were made to Coinbase 's support number but the service does not actually respond with advice or a person that can assist. At the end of each decision tree of the phone support queue you are dropped from the call.

A ticket was opened with Coinbase which initially only offered a canned response of what was provided in the online support pages. Additional information was sent to Coinbase to show that the problem was not at the customer end and a single email response with a repeat of the support advice was returned. When Coinbase was presented with the evidence that neither the mobile device or the mobile ISP was the problem, Coinbase ceased responding.

Several thousand dollars are currently residing in control of Coinbase who at this time is not responding to any attempts at communications. 

At the advice of a XXXX engineer I have submitted complaints to the Common Short Code Administration ( XXXX ) directly through the XXXX XXXX XXXX XXXX ( XXXX ) in regards to their short code service not responding according to XXXX best practices. The same complaint was also filed with XXXX XXXX who is tasked by the XXXX XXXX XXXX to monitor and enforce short code best practices. 

I am including a screen shot of the authentication page where the XXXX challenge code is input. This shows that I have control of the user/password and can partially authenticate into the Coinbase webpage but require the short code response from Coinbase to be able to move any further.
Consumer complaint received 2022-02-19
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. (TX)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. XXXX XXXXXXXX ( XXXX ), it is plainly stated that a failure to investigate these items within XXXXdays gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: DISCOVER BANK (CA)

This about Discover Card. 
After many months, I finally received the statements and now I see what happened on my transactions. 
I called them to make sure whether I understood correctly and how to pay. but they never call me back and just hang up the phone. 

**1. Discover wanted me to pay {$220.00} to settle and I think it is because it was XXXX and XXXX transactions. Is it correct? Then could you explain what was {$30.00} I paid for? because I am trying to calculate but did not work. 

**2. To settle the payment, where do I need to pay and how? I want the proof that I paid the amount also.

**3. Once I paid the debt, how long would it take to update my credit score?
Consumer complaint received 2021-09-05
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. (PA)

This is a auto loan was opened XX/XX/2015 and is reporting different account status on credit reports showing derogatory and paid THE CREDIT REPORTING COMPANIES ARE REPORTING DIFFERNT STATUS INFORMATION FOR THIS ACCOUNT
Consumer complaint received 2021-10-05
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. (NJ)

Please be advised I did not give this company permission to access my consumer report. Accessing my Consumer Report without my permission is a direct violation of my consumer rights and is a blatant identity theft.
Consumer complaint received 2022-02-18
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. (FL)

I sent a letter to Equifax for " Verification '' in accordance with 15 U.S. Code 1692g. After the completion of its investigation, Equifax confirmed on twice that the record being reported on my report was " Verified as accurate ''. Please see the attached investigation completion letters. I sent a letter to the Bankruptcy court located at XXXX XXXX XXXX XXXX XXXX, FL XXXX ; disputing this claim/error and received a response from the XXXX  Clerk stating that " The court does not report any filings to the credit agencies '' therefore, this record was not properly validated or verified by Equifax. Please see the signed/sealed letter from the courts.
Consumer complaint received 2021-10-05
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. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-10-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CLGF Holdco 1, LLC (GA)

I have been receiving calls from the number since XX/XX/2021. They also called on XX/XX/XXXX, XXXX, XXXX and XXXX. On XX/XX/XXXX, the caller ID was Unavailable. XX/XX/XXXX, XXXX and XXXX are Spam. XX/XX/XXXX is Account Services. I called the number on my cell phone and they identified themselves as Genesis FS Card Services. I have never had an account with this company.
Consumer complaint received 2021-10-05
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: EQUIFAX, INC. (MI)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2021-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA (CA)

I filed a complaint # XXXX re First National Bank of Omaha closing my account. 
They responded that I was told that they would close my account. 
That is not the entire story. 

In response it was never clearly stated by any employee that if I catch up and pay all past due payments current related to the Covid 19 problem, that my account could not be opened again or that I wouild have reapply for a new card.

There is no guarantee that I would be issued a new card especially with all the Covid related payment problem I had. 

The result is that I would have to continue to pay my monthly minimums without the benefit of any availalble credit. This is grossly unfair and demonstrates no good will. 

I have had similar closed account experience with other credit cards I have and they were always to able to reopen my accounts. 

They need to do the right thing because I did. Thank you.
Consumer complaint received 2022-08-01
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (LA)

To whom it may concern, After reviewing my credit report I contacted RushMore LLC, XX/XX/XXXX ; regarding a mortgage I'm a cosigner on. I ask about removing any late or miss payments, I was advised to do a Good Will letter. The owner of the house submitted the letter. It was Denied. 
I'm a joint-cosigner, I never received any information regarding late or missed payments on mortgage with Rushmore. I contact Rushmore regarding removing any late or miss payments from XX/XX/XXXX to XXXX XXXX. 
I was told to do a Good Will letter. The owner of the house submitted the letter. It was Denied.
Consumer complaint received 2021-10-05
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)

I consumer XXXX XXXX, received a consumer report from TransUnion and noticed fraudulent accounts that I didn't consent to nor give written instructions to furnish on my report pursuant to 15 USC 1681b ( a ) ( 2 ). The fraudulent accounts are inaccurate and have affected my creditworthiness. Pursuant to 15 USC 1681 ( 4 ), the fraudulent accounts are an invasion of my right to privacy. I sent an investigation letter to TransUnion more than 30 days ago and have not received any response. I am deeply distressed by TransUnion 's noncompliance. XXXX is civilly liable pursuant to 15 USC 1681n
Consumer complaint received 2021-10-05
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: EQUIFAX, INC. (FL)

Upon checking my credit report, I notice an account from XXXX XXXXXXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2020, ( See Attached ), I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for over a year with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2021-10-05
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo fraudulently opened two new accounts - a checking and savings account on Sunday, XX/XX/2021. Accounts : XXXX and XXXX. 

I was alerted by a text saying my accounts had XXXX balance. 

I already have a business and personal checking with Wells Fargo, and a checking account with XXXX XXXX and XXXX XXXX XXXX XXXX so I did not need another account. 

Wells Fargo has a history of fraudulently opening accounts without permission.
Consumer complaint received 2021-10-05
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (NY)

I have had this XXXX account since XXXX, or XXXX, which is used for many dental offices. 

At the beginning of the year I had a XXXX balance, and then went to the dentist multiple times starting XX/XX/XXXX, through XXXX. 

As with all my bills, I paid XXXX {$100.00} every time I got my monthly email from XXXX saying that the minimum payment due was {$56.00}. 

I was shocked to find out this month that my balance has gone up, am being charged {$120.00} interest alone this month, etc. etc. 

Am still on hold with XXXX, as I type this, for more than an hour. The previous two people keep trying to tell me that this was some promotions, and that the dentist should have told me about it. 

This was an active account before I ever went to this dentist. with a XXXX balance, which I had paid off years ago. 

How can an existing credit card company say that a new charge was a promotion? How can they say that the dentist should be telling me this? An existing card!!!!!!!! 

They say that the current, and multiple charges on my card had their own multiple promotions, again for an existing credit card. 

Am pretty sure that my legit charges were somewhere around {$1600.00} by the time I was done with the dentist. And now, after six months of paying {$100.00} a month, almost twice the minimum payment due, my balance is over {$1700.00}! 

How is this legal??????????????? 

Still on hold waiting for the supervisor 's supervisor. But if it's like the previous call, I fear they will just disconnect me again. 

This can't be legit! I've been through enough with Covid, financially speaking, haven't we all. 

Can you please help me! 

The company can identify me through my name and phone number XXXX XXXX XXXX XXXX Thank you,