davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-09
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. (WI)

I am stressed and unpleased that my credit report was misused and I have been violated. I was apart the breach when the XXXX and XXXX got sued so I thought my information was protected moving forward. Thats makes me scared over the privacy of my information. As I was trying to purchase a home I discovered how I have been violated again. This is defamation of my character and putting my livelihood at risk stopping me from buying a home. So I immediately did research to educate myself and enforce my federal consumer rights so I can moved forward in my life. As the consumer financial protection bureau I ask you to help me exercise my rights IMMEDIATELY! I have several fraudulent accounts on my credit report that should not be there. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) Congressional findings and statement of purpose, my consumer report fairness and privacy has been violated.

I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. There are damages on my consumer report that is causing financial and psychological stress. According to, 15 U.S. Code 1681n ( 1 ) ( a ) ( b ) - Civil liability for willful noncompliance, I have the right to sue for up to {$1000.00} per damages for being under false pretenses and not knowing about how my information has used in the breach and the negative accounts that is on my consumer report. I know my rights!! Attached you will see the disputes I am sending to all the credit reporting agencies. REMOVE ALL THE DAMAGES FROM MY REPORT IMMEDIATELY and send me {$1000.00} for all damages.
Consumer complaint received 2021-08-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

In XX/XX/2021 I have been disputing, inaccurate accounts on my credit file up until now currently. I sent over 8-10 dispute letters to Experian, XXXX  and XXXX  along side with my FTC report that these accounts showing on my credit it's inaccurate and its not mine how ever I sent numerous letters after that asking for verification of the accounts the said was verified, I never received that prove of verification. I went ahead and dispute with creditors but I never received any reply to my dispute I then forward all this information to the credit bureau 's and they still didn't remove the inaccurate accounts from my credit report, I then compare details of the account 's showing from all three credit bureau 's with different information reporting which I pointed out on the credit report I pull from identityiq they all was reporting different information on my credit file and with this act its hurting me and very stressful knowing I did everything correct and they still decided to report inaccurate information on my credit report.
Consumer complaint received 2020-07-15
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

XX/XX/XXXX - > XXXX XXXX leases XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX NJ. XXXX XXXX matures XX/XX/XXXX020.

> I have a pre-approval for a payment of {$290.00} from Nissan. 
> My wife has driven and would very much like to keep the vehicle > To lease another of same exact vehicle with a slightly lesser sticker than ours had, will require a lease payment " increase '' far greater than $ 110 monthly. 

XX/XX/XXXX - > I was Invited to do so with a great loyalty opportunity, > I visited my XXXX XXXX Nissan dealership with an offer of something special for me to lease a new Rogue S.

> My vehicle leased XXXX XXXX has less than XXXX miles on odometer. 
> I refused a horrible deal -with a {$330.00} lease payment > Dealer wants only to lease new on and grab my vehicle for resale with XXXX mi THE CRUXT OF MY ANGUISH HERE. I have been attempting to communicate with Nissan Motor Acceptance for the past three months. 

> You can not contact this company by any means you may attempt. 
> No phone calls are handled in person, > No emails. 
> I write them -- they never respond. 
> I sought to see if I can work with them directly as two different dealers I have met with only show a desire to get me into a new vehicle and get mine for resale. 
> I sought to get a XXXX extension on the lease due to all the dealer and pandemic issues. XXXX never answered a single letter. 

THIS JUST HAPPENED TODAY XX/XX/XXXX. 
> I have XXXX XXXX in XXXX NJ looking to supposedly help me PURCHASE the Rogue at lease end > It appears they are attempting to get me {$2000.00} more loan than i need > This dealer has not been forthcoming on lender or loan amount although asked XXXX My assistance request is for CFPB to compel XXXX XXXX XXXX XXXX XXXX XXXX XXXX to give me the courtesy of working with me directly to purchase the vehicle without visiting their less than professional dealerships possessing ulteriior motives to sell or lease a new vehicle. 

> That is all we can ask in this situation. 

> Customer service at XXXX is non-existent. 
> We would like not to have to deal with auto dealers that have shown themselves to be unprofessional and in some ways, outright devious.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I am having some issues. After a close investigation of my credit files, I state for the record that there have been unauthorized Credit Report Inquiries made on my Account by the entity XXXX XXXX on XX/XX/2020. I've never authorized XXXX XXXX to get access to my XXXX XXXX. 
Pursuant to USC Title 15 section 1681 n Civil Liability for Willful Noncompliance the parties are responsible for noncompliance with the FCRA. It states, a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Consumer complaint received 2022-10-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am confused by how no one has corrected this problem. I have been studying my credit for the last year and I have come to find out that all three bureaus are not reporting the correct score at all. These establishments have the trust of millions of consumers and they are deceiving us with inconsistencies and incorrect scores. Each bureau reports a score on their website. If the score looks favorable to the consumer, they apply for something that they have been waiting for when their score is up. But, that score is NOT what their score is. So, that consumer gets a inquiry ding that last for years, keeping them with a bad credit score. This has to be fixed. People are in debt because their credit score cant rise because of the misinformation the bureaus are reporting. I have been a victim of fraud on my report for years and just like other consumers, Im tired of it!!! THE BUREAUS ARE NOT REPORTING THE CORRECT CREDIT SCORES!!!!!!!
Consumer complaint received 2021-11-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. ()

Hello good afternoon, my complaint is for the web COINBASE.COM. 
I have had the account since 2017 and always verified .... a year and a half ago they restricted my account and I was like that until 3 months ago that I wrote to you and it was solved for a short time because now I have been with the account again for 2 months and on its own website it says that I have all the data verified ..... I don't know what to do anymore. 
Thanks
Consumer complaint received 2020-07-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Experian Information Solutions Inc. (NY)

Dear Sir/Madam, Without my concerned, Since XX/XX/XXXX, The Experian credit report taking money from my account until XX/XX/XXXX. 

Started On XX/XX/XXXX = {$1.00}, XX/XX/XXXX = {$23.00}, XX/XX/XXXX = {$23.00}, XX/XX/XXXX = {$23.00}, XX/XX/XXXX = {$23.00}, XX/XX/XXXX = {$23.00}, XX/XX/XXXX = {$21.00}, XX/XX/XXXX = {$23.00}, XX/XX/XXXX = {$23.00}, XX/XX/XXXX = {$23.00}, XX/XX/XXXX = {$23.00}, XX/XX/XXXX = {$23.00} and XX/XX/XXXX = {$23.00} Total= {$270.00} Last XX/XX/XXXX, I first time when I checked my statement, I found out EXPERIAN CREDIT REPORT XXXX XXXX XXXX *CA was collecting money every month from my account.I never authorized and I never use them for anything.
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Since XX/XX/2020 I have been constantly disputing several car dealership inquiries. I have called, written letters and completed online disputes. 
I have included a picture of the dealerships that I NEVER visited or authorized a credit pull. These must belong to someone that has a similar name. I remember contacting the 3 bureaus because they had the wrong SSN on my reports. All they did was remove it under personal information but never removed the inquiries that did not belong there possibly with this incorrect social Security number. Now I will never know if that incorrect Social Security number belongs to those unauthorized inquiries. Please find the attached picture where I have circled the unauthorized inquiries.
Consumer complaint received 2020-08-06
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)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX ( Original Creditor : XXXX XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX, XXXX, XXXX XXXX, XXXX. INQUIRIES : XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX  | XX/XX/XXXX, XXXX/XXXX | XX/XX/XXXX, XXXX  XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX  XXXX | XX/XX/XXXX, XXXX  XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX. 
I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : XXXX
Consumer complaint received 2022-08-20
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (NM)

NationStar Mortgage re-branded itself into Mr. Cooper - Their tactics in " reselling '' my mortgage to the same company was deceiving. They made it sound like they were not the same company. 

Secondly they keep sending emails to apply for more debt with them, which I have attempted to opt out of multiple times, but they are not honoring " unsubscribe '' rules. 

They have links in their emails as required by law, and it directs to a web page to unsubscribe, but I still get their solicitations. 

I think this has some overlap of both the cfpb ( fraud of " selling '' the mortgage to another company, which is the same company ) and the FCC ( email communications ). 

The new shell seems just as dishonest and as NationStar ever was and wish I had my mortgage with someone else more reputable.
Consumer complaint received 2023-03-23
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: EQUIFAX, INC. (CA)

I attempted to contact XXXX, XXXX, and Equifax about these unknown inquiries on my credit report in XX/XX/XXXX, and again in XX/XX/XXXX. I was told I had to contact each company. When I contacted the companies, I was told I needed to dispute with the credit bureau 's. I am getting no progress with these false inquiries on my report.
Consumer complaint received 2020-07-06
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (AZ)

Purchased the property using NON QM XX/XX/2020 1st payment due XX/XX/2020. During that time frame my XXXX XXXX XXXX   crashed due to Covid-19. I requested a forbearance. It was an argument from the start and I was threatened that I would have to pay it all up from after 3 months. I opted to take my chances. I was in forbearance XXXX, XXXX and XXXX. XX/XX/XXXX I received a call from Shellpoint ( my servicer ) asking about my financial situation and if i need forbearance for XXXX, I said yes I do, they said ok you are extended or XXXX and that they would receive a call every month to extend it if necessary. Received a call from Shellpoint today and they said I am late on my payment, not in forbearance and forbearance was not approved for XXXX and they need bank statements and a hardship letter for approval. Apparently every month I will have to do this. The original point of contact has not responded to any emails, voicemails or phone calls one time in the last 3 months. I called to complain and was recently assigned a new contact but was not given her contact information yet. She called and said she would email me her contact information and the documents needed for extension approval but nothing received as of yet. I read Covid forbearance guidelines and they state a home owner is eligible for 180 days and then another 180 days up to 12 months with no documentation required. Shellpoint says  otherwise. Please advise.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXXXXXX XXXX  XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXXXXXX XXXX XXXX XXXXXXXX {$2700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$8100.00} XX/XX/XXXX XXXXXXXX XXXX  XXXX {$18000.00} XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX {$25000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I receive a not reasonable letter from Bank of America claim dept that stated my claim # XXXX was not approved on XX/XX/2022. 

In fact I did not make any claim. My credit card ending XXXX was losing, and someone used it. I evenly did not know the charge. 
Then I did not get any mail of my bill too. I found the charge after a few months, when credit card noticed me that I did not pay. Since I always paid before due date. -- -- -- -- -- - This is not my charge, but a losing/stolen card charge, so I called credit card losing/stolen dept and noticed them, You replaced my card. You also told me that you would NOT charge me for this false charge {$47.00}. 

In fact I lost some cards and others ( but I did not notice early for my losing bank of America card, since I did not use it for a while. After I knew, I called you at once. 

The letter on XX/XX/2022 was not making any sense. 

It said the monthly account statements have sent to me ( But I did not receive it, otherwise I will call early ). 

It also said '' we conformed the charge ( s ), the chip was read, your PIN was entered and or you signed ... '' This is also odd. 1. I never used PIN for my any credit card at all.

2. Chip was used, of course, the person who got the card and stolen money will use the chip 3. If any signature, that is false, please mail me the copy of the signature, I will check. 

I called dispute dept, they said they will forward me to lost/stolen dept. 
I waited 1 hour and did not get it. 

In called XXXX number today, XXXX XXXX said the seller has credited me {$47.00} on XX/XX/2022, She said I got two credits one from bank of America and one back the seller. She said XX/XX/2022 letter due to two credits, so I need charge one back. 
However I check my online statement there is no any credit from any seller on XX/XX/2022. But there is only one credit XX/XX/XXXX. 

The card charged me twice for {$47.00} losing /stolen charge. 
The one credit tool off one, but can not take off the second {$47.00}. 

Please check and resolve it. 


Please credit me the charge back ASSP. It is a stolen/lost card charge.
Consumer complaint received 2020-07-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (IL)

In XXXX when I moved to XXXX  from XXXXdue to my job I bought a house, right after I applied for a mortgage a debt appeared on my credit report from an emergency in XXXX, which was paid fully ( I have a good insurance and made all my o-pays etc ... ) nonethe less since I was in middle of buying a house my mortgage company sent a check to phoenix financial and added it to my mortgage and I was OK with that as moving was complicated enough and I did not want to deal with things. 
Now I am refinancing my house same company Phoenix Financial appeared on my credt report 2 days after my refinance application. They stated a debt from XXXX ( 7 yeats ago ) this time I called asked for original invoice from medical group they said they will provide it if I give my ss number and I ewas XXXX  to provide the number, they sent me an invoice with their name. The credit report stated XXXX XXXX XXXX XXXX. So I tried to call them but they do not exist, none of the accounting office could verify I had a debt. I disputed to charges, still under investigation but when investigation started Phoenix Financial changed the name of creditor from XXXX XXXX  XXXX XXXX to XXXX XXXX XXXX, which also does not exist. And they changed type of debt from attorney fees to medical In the mean time my credit score went down, my refiance terms tuned out to be worse than my original finance and Phoenix financial refuses to provide the references regarding original debt, if I have that I can go through my health insurance statements and see what is going on. 
Can you please help, I am a har working single XXXX year old voman, lost my fiance two years ago and am trying to go on with rest of my life. Phoenix fiancial already has taken XXXX dollars and something during my last home purchase and they are just preying on my situation. 
Thank you XXXX XXXX
Consumer complaint received 2023-01-30
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. (MD)

This is the fourth time that I discovered that some of the information on my credit report was incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (OH)

TARGET- -My name is XXXX XXXX , the last four of my SS # is XXXX. My account number is XXXX. I am writing to dispute the late payment reported by Target. I have been impacted by XXXX. Not only did I have the XXXX and was in the hospital for a long time, I lost my job. I spoke with Target and was advised My payments were deferred until XXXX 2020. I get a credit alert and they have reported me as past due. This is a VIOLATION OF THE CARES ACT AND THE LATE PAYMENT NEEDS TO BE REMOVED! THEY NEED TO CORRECT MY CREDIT REPORT AND REMOVE THE ERROINIOUS LATE FEES!!!!! I was told I was provided protections under the CARES ACT and they failed to adhere to what was offered to me! No one has called me from TARGET! I received no written notice or terms of the deferred payments/forbearance plan. All I had to rely on was what the Rep told me. I thought I was protected until XXXX. TARGET needs to make this right, AND COMPLY WITH THE CARES ACT AND FIX MY CREDIT REPORTING AND CALL ME ONCE THAT IS DONE!