davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2023-01-12
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: Experian Information Solutions Inc. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-06-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CT)

As explained in numerous prior CFPB complaints, remediation payment in the amount of {$3700.00} plus estimated taxes was not received, this amount was offered to me by Wells Fargo rep, XXXX XXXX in XXXX of XXXX while speaking over the phone. The payment represents compensation for unauthorized accounts opened by Wells Fargo reps which I did not need or want. Additionally, a remediation payment amount of {$500.00} plus estimated IRS taxes was not received, offered to me during a phone mediation in XXXX or XXXX of XXXX. I moved in XXXX of XXXX, as explained previously and again here, any payment sent via XXXX, XXXX, would not be received if sent by either carrier, which includes old address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX. Wells Fargo reps including a XXXX  have replied in the past by verifying address, mention a signature waiver which there is none, package containing check ( s ) was supposed to have signature according to a XXXX XXXX whom I was working with at the time of check issue. Please note, the check amount of {$3700.00} is a check re-issue, initial payment sent in XXXX of XXXX, was intercepted by a third party, cashed in my name. It appears person ( s ) now living at old address may have intercepted checks in question, if sent to old address, cashed them in my name. I now reside at XXXX XXXX XXXX, XXXX XXXX, CT XXXX. Most recently, I've been calling Wells Fargo executive phone bank, given various different numbers to remediation department, all of them incorrect, wrong numbers. It appears Wells Fargo reps are trained to give out false, incorrect numbers to dissuade customers from reaching correct dept. In order to obtain correct number, I had to call the company whom issues checks on behalf of Wells Fargo, request number to remediation department and have been calling over a week now with no resolution. I've spoken with several managers including a XXXX and XXXX, both requested check reissue and a new case manager assigned which was originally requested in XXXX. I have yet to hear back in regard to both requests. The last Wells Fargo rep replying to CFPB, a XXXX, referred back to previous replies which merely refer to address provided and do not address issue of non-receipt of payments. It appears Wells Fargo reps refuse to do anything, despite non-receipt, merely verify address they were provided..The CFPB might want to send this complaint to someone else other than XXXX or XXXX XXXX neither rep seems willing to address/resolve issue. Most recently, a XXXX replied by referring back to previous replies, do not address issue of non-receipt of payment
Consumer complaint received 2020-08-25
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. (NV)

I received a bill from XXXX XXXX - XXXX XXXX in XXXX. I immediately called the number on the statement & advised them that this was not my account & that I had never dealt with XXXX XXXX. They told me to contact the Credit Bureau. I contacted all 3 Credit Bureaus. I have heard from Experian, who said the information had been updated & to contact XXXX XXXX if I'm not satisfied. It is still on my credit report as my account. This is NOT my account. They don't even have my name spelled correctly. When you contact XXXX, they tell you to contact the Credit Bureau & the Credit Bureau tells you to contact the Bank. What exactly must I do to get this off my report?
Consumer complaint received 2022-04-04
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: DISCOVER BANK (NC)

I have been trying to dispute fraudulent information that I noticed have been reported on my credit report by XXXX. Several months back I had my identity stolen and I am in desperate need of these items being reviewed and blocked. This has made my life very hard! I have been receiving emails and calls about debt that is not mine. My personal data has was exposed in the XXXX data breach.
Consumer complaint received 2022-04-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (NJ)

On XX/XX/XXXX there was unrecognized transfers from my Western Union account. I immediately called western Union to notify them or the 3 transactions that appeared suspicious and not initiated by me ( XXXX # XXXX ) & ( Case # XXXX ). 
- Western Union opened a case and notified me that the transactions will be cancelled and my bank account from where the money was being drawn will be blocked so that no further transactions or money is drawn. 

The following day 2 transactions were still processed for {$1400.00} each, and when I called WU, they are not agreeing to reverse the transfer or credit the money back. 

There is serious flaws in their system controls and they take no accountability at all let fraudulent activity occur. 

Also to note the transfers were made to accounts that I do not recognize, and western Union did not even notify me of any new payee accounts being added to my account. 

I am losing {$2800.00} and they are not taking responsibility at all, despite me warning about the unrecognized transaction. 

Can you please help
Consumer complaint received 2021-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (TX)

I applied for a mortgage and a debt collection agency was on my account for a paypal credit card that is under a different name. Synchrony bank acknowledges that the person who opened the account is paying and her name is XXXX XXXX XXXX, but they will not send a letter to the debt collector or the credit bureau stating that this was erroneous for up to 60 days. This was their mistake. That isn't even my name. It is ruining my credit and keeping me from getting a home. The account with synchrony isn't even on my credit report! The reference number is XXXX with synchrony.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 Section 602, it states that I have the right to privacy. Under 15 USC 1681 section 604A section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment under an open end consumer credit plan as late for any purpose. 

The payment was reported late on XX/XX/year> to XXXX, Transunion, and XXXX despite violating the aforementioned statutes as well as me submitted every piece of documentation required to date to verify that I submitted my payment in a timely manner.
Consumer complaint received 2020-12-12
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am single mother of XXXX and I am in dire need of assistance. I am hoping and pleading someone hear my cries. I've been trying to get my account cleared and lost funds back since XX/XX/2020. It should be known that CA EDD and Bank of America are taking advantage of unemployment recipients in obnoxious, illegal ways. They are using a very vulnerable time to further victims claimants.The state of California should be embarrassed! I was approved for unemployment benefits in XXXX of 2020. I ordered my EDD BOA card on XX/XX/2020, It never came in the mail or either someone stole it from my mail. After weeks of waiting for my card, I called BOA on XX/XX/2020 to inquire where my card was and I was informed that it was already activated on XX/XX/2020 and a charge of {$2100.00} was processed on XX/XX/2020. I immediately filed a police report that evening, I was told I needed bank statements to show the bank transactions. Which was impossible because I can't access my online BOA portal without the card information and because Bank of America closed my account after reporting the fraud. So my investigation is at a stand still. I reached out to the alleged merchant myself, and to my surprise he was more than willing to help, he said a male tried to come in with the card and didn't have the pin, so he then made the purchase online using my address information. If the police or the bank would conduct a thorough investigation, they could easily prove that it wasn't me, I AM A VICTIM OF FRAUD! I called BOA to follow-up on my claim and was surprised the previous agent never made any notes when I called on XX/XX/2020, I was advised a supervisor would call me, but no one ever did. I then officially filed a claim on XX/XX/2020, by XX/XX/2020 BOA closed my account due to suspicion of bank fraud. Which is bizarre because I am the one that reported the fraud. When I called to inquire why, they said I no longer had an account with them and that CA EDD has flagged my account, which is the reason I can't receive any of my benefits via mail or debt card. When I called EDD on XX/XX/2020 I was advised that my account was not frozen or closed andI should follow up with BOA. WHY AM I BEING BOUNCED AROUND? I am currently reaching out to Governor XXXX office and state senate, relentlessly! CA EDD must do something about this, how can a government state entity let a claimant be victimized without doing anything to rectify the situation or to investigate it further?. Furthermore, myself and my child is in dire need of resources because of this crime!
Consumer complaint received 2020-08-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Service of Nevada (NV)

XXXX XXXX is a rip off. I had nothing but plumbing problems. The thermostat heater went out for 2 days in the middle of the winter period the people that live there are scum bags. The charges that XXXX XXXX is charging everybody is over the limit that there supposed to charge. The maintenance on the property was extremely poor. In I'm not gon na pay this bill to the collection agency because I do not know it.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

according to the Fair Credit Reporting ACT, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Singnautre on it ) you have on file of the accounts listed below.your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2020-05-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (SC)

We applied for the refinance XX/XX/XXXX, I have given {$500.00} for the loan to be reimbursed at closing. We are approved for the loan contingent upon appraisal. I have had 3 appraisal companies contact me to set up a time, no one has shown up. I have contacted Quicken Mortgage at each appointment to let them know the appraiser never showed up. Quicken continues to ask for the same documents and continue to provide. We are at the end of our 2nd rate lock, no one has done anything except ask for more verification of income. They have done nothing but waste my time and potentially prevented me from receiving my refinance at the locked rate of 2.99 % I have asked multiple times for updates. XXXX I have asked for either an appraisal or a refund. I need to apply with another company that may be able to get this done before 90 days if they can't send an appraiser out to finish my loan.
Consumer complaint received 2020-05-19
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: Experian Information Solutions Inc. (CO)

I have made 3 disputes with Experian in regards to late payments on my student loans. I reached out to my school about this first, and they told me to dispute the late payments and that when Experian reached out to them, they would not respond, resulting in Experian removing them from my credit report. The first dispute I opened was XX/XX/20 and they had dispute results ready on XX/XX/20 with no changes made to my credit report. I disputed the account again on XX/XX/20 and this time included documentation. The dispute results were ready on XX/XX/20 with no changes to my credit report. I called Experian on XX/XX/20 inquiring why the late payments had not been removed. The representative I spoke with informed me that the documentation I had submitted was never attached to my case #, I asked her to start another dispute and to include the documentation and the results were ready on XX/XX/20 again with no change to my credit report. I do not believe Experian has received a response from my school in regards to the late payments on my student loans or reviewed the documentation that I submitted. Since my first dispute, more than 45 days have elapsed and these should have been removed from my credit. I am enlisted in the XXXX XXXX  and the XXXX makes yearly payments towards my student loans, which I have proof of.
Consumer complaint received 2020-05-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (IL)

Back in XXXX, I contacted a law firm to represent me in talking with my mortgage company in hopes of getting a better mortgage rate. The law firm was unsuccessful in dealing with the mortgage lender, and I paid them nothing. As a result of the law firm contacting the mortgage lender, the mortgage lender Ocwen without my consent, without my knowledge, and without my approval decided to defer {$85000.00} of my mortgage until the year XXXX. This action resulted in me paying on a {$10000.00} loan at an adjustable rate which caps of 4.12500 %. I never asked for any of this to happen, and because all of this happened without my consent I feel violated. I was still making my payments on time before this change in my mortgage. This was not how my mortgage was set up initially. Before the law firm contacted Ocwen, I had been paying on the whole amount which was {$180000.00} at an adjustable rate. After Ocwen 's change to my mortgage I looked over my statements it became apparent that I am to pay off the {$100000.00} portion of my loan in addition to an {$85000.00} lump sum in XXXX. This will be insurmountable for me. I did not ask my for loan to be broken up in this way, and insist that the original loan agreement that I signed for in XXXX be restored with a permanent fixed rate. Ocwen made this decision and then switched me to their subsidiary PHH Mortgage. Again, I want my loan restored to the original agreement which was inked in XXXX. I had never missed a payment nor was I ever late. I do not believe that my credit rating was so bad that they could do nothing better for me. But I add the caveat that Ocwen forgive me from the {$85000.00} deferment and restore me to a permanent fixed rate for the duration of the {$100000.00} loan.
Consumer complaint received 2021-02-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (PA)

I could not access my Coinbase account on XX/XX/2020. My XXXX authenticator code did not carry over when I bought a new phone. I locked my account to ensure no-one else could access it. I reached out to support and they responded 6 weeks later via email. I was unable to speak with a real person. Support told me they were going to disable 2 factor authentication so I could access my account but that never happened. They asked me if the issue was solved and I said no. They ignored my response and closed my support ticket.

Then 3 weeks ago I found my XXXX Authenticator code in some of my stored documentation. I was able to successfully authenticate, but since I locked my account, I was asked to verify my identity. I proceeded to upload my license and a picture of my face. The system denied me saying it didn't match their records. The records did not match because I recently moved and have a XXXX license. When I opened the Coinbase account I was living in XXXX and uploaded my XXXX license. I submitted another support ticket three weeks ago and have yet to hear back from them. 

This issue would have been resolved months ago if Coinbase employed real support humans to resolve edge case issues like mine.
Consumer complaint received 2020-05-19
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)

XXXX, XXXX XXXX XXXX XXXX # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
DEPT OF EDUCATION/NELN XXXX XXXX XXXX XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/NELN XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX 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 The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX XXXX  # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-04-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

There is an account that is being reported on my Experian Credit Report that should not be. The account is as follows : XXXX XXXX Account # XXXX Sold To : XXXX XXXX XXXX. This account does not belong to me. XXXX XXXXXXXX XXXX XXXX filed a Civil Suit against me regarding this account. I did not know the source of their information on this account and due to this the case was dismissed in my favor in the XXXX XXXX XXXX XXXX XXXX XXXX of Georgia on XX/XX/XXXX. I mailed out 4 letters to Experian on the following dates ( XXXX, XX/XX/XXXX, XX/XX/XXXX ) requesting for the removal of this account with copies of the Court Dismissal. Each time Experian sent a letter back to me stating " that the company that reported the information has certified to Experian that the information is accurate ''. In my last 2 letters to Experian ( XX/XX/XXXX, XX/XX/XXXX ) I requested they provide me with the actual proof the information was verified, not a computer generated confirmation in accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D. I also mailed a letter to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX requesting they remove this account from my Credit Report and received no response. I would like this account removed from my Experian Credit Report as it is highly injurious to my credit rating.
Consumer complaint received 2021-06-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2020 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.