davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Ive disputed this account before with XXXX XXXX XXXX and each time came back as Meets FCRA standards but yet Ive provided adequate proof that shows they consistently had multiple violations. Each bureau reports a differentDate Of Last Activity which its imperative that they all report accurately because it determines the date of which the account comes off the credit report. This account has been disputed and per the FCRA XXXX XXXX is supposed to report that this account is/was disputed by consumer in which they did not and is a violation. Attached will be proof showing the violations. Theyve also sent a letter showing the contract of which they have but the contract and statement as well which is written by them has inconsistencies and inaccuracies in the contract and statement. They say the account was opened on XXXX of XXXX but state the vehicle was repossessed back in XXXX of XXXX. This is inaccurate and inconsistent of which their reportings all vary across the 3 credit bureaus.
Consumer complaint received 2021-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRSTBANK PUERTO RICO (PR)

I'm not receiving the escrow analysis. however, the only option provided by the bank is to register into an inaccesible page ( No posible way to register ... and the Customer Care officer recognize there is issues with the page ) I'll never receive my Escrow Statement if not login into the page .... 

My loan # XXXX
Consumer complaint received 2023-04-10
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. (TX)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-03-05
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)

On XX/XX/23 I attempted to use my coinbase.com account to send about {$45.00} of bitcoin. After completing my transaction I was told my transaction was put on hold because ID verification was needed. I completed the process online and was told my account is now verified. However the transaction still, did not go through. After working with support for over an hour, they kept telling me I needed to upload a photo of myself but the website they asked me to do this on was not working. Instead of asking me for a photo, it simply brought me to the main account page. I tried this from XXXX XXXX, XXXX on my PC and from my mobile phone. 

After being unable to assist they refuised to cancel the transaction... I am being held hostage because I can not use MY funds and they wont return them. It is NOT my fault coinbase 's website isnt working.
Consumer complaint received 2021-07-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

After hours on the phone with multiple agents, Experion has been unable to accept an disput eover the phone. They say they can not see the details of my account even though I have provided my personal information and Experion Membership number. I can see the collection item in dispute when I log in to my Experion Account. Experion is saying they can not see anything except my name so I am unable to dispute the collection posting. 

I have attached the documentation of the dispute.
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2017 company XXXX XXXX had charged me for an amount of {$350.00} claiming I had used Ambulance Service in the City of XXXX at the time ( never in my life have I taken an ambulance ) I initially noticed I only saw it on XXXX  credit agency and began to receive letters in the mail from XXXX regarding this charge/ account. I first contacted XXXX XXXX asking to remove this false charge and letting them know they have the wrong person since I was never in XXXX CA in XX/XX/2017. I did not want to give them any personal info to confirm my identity after finding out they have a reputation online for scamming people. So I called XXXX  to file a dispute and they resolved it and removed it from my XXXXn Report. Present day, I come to find it was also on my Experian but this time the amount is an outstanding {$460.00}. The fraudulent charge/ account had been on my Experian report also since XX/XX/2017 and I was unaware. I tried to contact XXXX XXXX to see if things were different this time and they can remove this charge, but they continued to ask for personal information which I was not comfortable giving them. I tried to resolve the issue the same way I did with XXXX  and after two disputes being filed, Experian is claiming the fraudulent charge/account from XXXX XXXX to be accurate which is not the case at all. In the beginning when I was receiving letters in the mail I remember checking the date of the supposed use of the services claimed by XXXX XXXX and I was scheduled to work at my previous job. I cant recall that exact date since its been years, but I was at work XXXX  the day of.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OR)

XX/XX/2021 : filed dispute w/Equifax - XXXX card shows on my credit report, but does not have my SS # or name. Since I filed dispute I have been on the phone daily for last 2 weeks trying to get this resolved. With XXXX & Equifax personnel. 

This is relatively simple in my mind, I'm doing refinance on my home and all this is holding that process up. 

Equifax says I can't get info on the process of the dispute, I tried numerous times. 

I asked XXXX after verifying they don't have acct. with my name ( s ) or SS # but I can not get letter from them so I can close my loan.
Consumer complaint received 2022-06-24
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. (FL)

In accordance with the fair credit reporting act XXXX account # XXXX, 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 2 : It also states a consumer reporting Agency Can not Furnish A Acct without my written instructions. 

XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : Account Name : XXXX XXXX XXXX XXXX Account # : XXXX High Balance : {$14000.00} Account Name : XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX High Balance : {$9400.00} Account Name : XXXX XXXX XXXX Account # : XXXX High Balance : {$14000.00} Account Name : XXXX XXXX XXXX Account # : XXXX XXXX High Balance : {$2000.00}
Consumer complaint received 2022-05-20
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: Experian Information Solutions Inc. (SC)

Please see identity theft report. I have consistently disputer fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2021-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST HAWAIIAN, INC. (HI)

Summary : Requesting refund of {$1700.00} for a XXXX XXXX XXXX 4-pax flighXXXX booking paid to XXXX XXXX XXXX XXXX XXXX XXXX XXXX via my First Hawaiian Bank ( FHB ) XXXX XXXX XXXX XXXX Mastercard, under Mastercard 's Purchase Assurance and Trip Cancellation terms. The flight and all subsequent flights were cancelled due to COVID-19 and XXXX XXXX has since filed for the equivalent of U.S. Chapter 11 bankruptcy. FHB rejected the credit request claim. 

Per FHBs instructions for resolution directly with the merchant, on XXXX a credit account ( not refund ) was issued by XXXX XXXX ; then with the assistance of the U.S. Department of Transportation, onXX/XX/XXXX XXXX XXXX approved a full refund of {$1700.00}, but on XXXX XXXX X sent an email communication stating that it ceased operations and is going through the XXXX courts for credit restructuring, the equivalent of a U.S. Chapter 11 bankruptcy filing, and customer refunds are part of the restructuring. 

On XXXX a credit card transaction dispute was filed with FHB. On XXXX, FHB rejected the transaction refund request on grounds that the 60 day notification period had passed since the XXXX and XXXX notification. This is contrary to the facts that it would have been impossible to file a written complaint within 60 days of the transaction since the flight was scheduled on XXXX and following FHB 's instructions, earnest attempts were made to first make resolution with the merchant before filing a written complaint.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC (WA)

I have a complaint against EWS early warning services. This consumer agency has cause me huge amount of stress and financial hardship. This highly upsetting. Theyre reporting incorrect information, refuse to remove it and how the DAMAGING information is creating problems with my banking institution ( XXXX XXXX XXXX XXXX ). I want justice for frivolous actions that EWS is doing. This been a going on since XX/XX/2020. I have provided them everything include evidence of XXXX and XXXX XXXX errors and misreporting.
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have been a customer of XXXX  XXXX XXXX for over 18 years After I paid off a loan with them they raised my credit limit to {$22000.00}. 
The credit card balance was XXXX but I had forgotten that I made a small transaction. I did not get my XXXX statement and when I saw that I was delinquent I paid the full amount However my credit limit was reduced to {$500.00}. And my credit score dropped 40 points because they reported a delinquency over 30 days I wrote them a letter because they stated no phone calls to dispute changes or delinquent charges I pay all bills on time but I would like to refinance my mortgage and this lower score is damaging my rate
Consumer complaint received 2021-01-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (VA)

Account opened XX/XX/XXXX and deposited {$1000.00} when I go to coinbase.com - everyday since the account was opened : Account under review Your account is currently being reviewed and we need some time to verify your info. During this review, you won't be able to use Coinbase. Reviews generally take a few days, so sign in every day or two to check your status.

There is no response and no telephone number to call.

Automated Customer Help says top wait 5 or 6 days - They have said that to me 4 times.
Consumer complaint received 2022-01-18
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: LEXISNEXIS (GA)

I recently obtained a letter from the United States Bankruptcy Court XXXX XXXX of Georgia that they do not provide information to consumer credit reporting agencies and data furnishers. Lexis Nexis is in violation of 15 USC 1681 A 4, they infringed upon my federally protected consumers right to privacy, they violated also because of permissible purposes 15 USC 1681 B, and Lexis Nexis did not obtain my written instructions or affidavit to furnish this consumer report. Lastly, Lexis Nexis is also in violation of 15 USC 1681 A-E, I obtained a letter from the United States Bankruptcy Court XXXX XXXX XXXX Georgia stating that they do not provide my personal information to 3rd parties therefore Lexis Nexis is unable to do a consumer investigation to verify this alleged Bankruptcy. I am not a lawyer and I am outraged by the blatent disrespect of my privacy rights according to the Graham Leach Bliley Act.
Consumer complaint received 2023-03-14
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. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 of 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 knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-01-22
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. (GA)

The following addresses are listed in my name with Trans Union, XXXX, and XXXX  : XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX University I do not own the above properties, nor have I ever lived at any of the above addresses. I also have never attended XXXX University. Please ask them to remove the addresses, and XXXX University from my credit report, and any monies owed to XXXX or XXXX. As I have asked all three credit bureaus to remove them, but have been unsuccessful for several years.
Consumer complaint received 2020-09-17
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. (AL)

I have my credit report and I have accounts that do not beling to me. I lost my identification and someone obviously opened so many accounts in my name. Let me know what I need to do. Please investigate these accounts and remove them from my credit report. These fraudulent accounst are causing me many hardships with obtaining anything that is credit related.
Consumer complaint received 2021-02-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Hi, I would like to file a complaint re this company who has been harassing me about a creditor who placed scary calls to me, my spouse and my niece re an HSBC XXXX loan ( car stereo ) amounting to XXXX and now saying that i owe them total XXXX. That i needed to pay them ASAP otherwise i will get a Summon this Friday XX/XX/2021. The guy i spoke with said that I now owe a total of XXXX and that i needed to pay XXXX if i want to settle outside court. They asked me to loan money from people so that i can pay that. Please the voice message below. I felt threatened and so is my family. They said that they sent a letter 6 months ago with settlement which i did not receive. 
This is an urgent message for .... name is XXXX XXXX. Some abandoned XXXX. My office has been retained to deliver documentation to your property address. This is regarding a pending complaint being ordered against XXXX. If no contact is established today, our field investigator will be dispatched to your property address and place of employment on record. It is very important that XXXX contact the issue Infirmed today at XXXX and refer to your complaint number XXXX If no contact is established with that issue infirmed today it can result as an order of noncompliance. And after this my final attempt, the documents will be filed as a failed action to serve.. Click here : XXXX to listen to full voice message. 

Thank you.
Consumer complaint received 2021-02-18
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mr. Cooper Group Inc. (CA)

XXXX XXXX  XXXX. dba XXXX with no ownership sold my property to HSBC BANK USA , National Association as Trustee for XXXX XXXX XXXX  XXXX , XXXX, Mortgage Pass-Through Certificates, XXXX XXXX XXXX. 
Next they got XXXX, XXXX, XXXX, XXXX and XXXX XXXX involved, and now HSBC BANK USA , National Association as Trustee for XXXX XXXX XXXX  XXXX , XXXX owns my home. 
Next they are trying to evict me. I am XXXX years old, with XXXX XXXX XXXX and XXXX XXXX. 
I am trying to avoid catching the Corona Virus. I like to get a stay from Court hearings till XX/XX/2021 to avoid exposure to this Virus.
Consumer complaint received 2022-11-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (NY)

I do not have a Bank Card or Credit card for Care Credit. So I do not have the account no. in order to pay the bill with a balance due tomorrow. of {$9.00}. 
If I am late, there isa a {$35.00}
Consumer complaint received 2021-02-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

My mortgage acct was transferred from XXXXXXXX XXXX  in XX/XX/XXXX my payments was {$1600.00}  my payments has double with 4 mths, I questioned why? I was informed by representatives that select portfolio that XXXX XXXX pay my sewer bill in XXXX, I contact XXXX XXXX  and they denied paying any of my sewer bills. I continuously converse with portfolio select and story change that they pay my sewer bill XXXX plus tax XX/XX/XXXX? I questioned and denied the payments. I contact my sewer department in XXXX XXXX n.j to request evidence of my sewer payments and who payed them, I received evidence that I the homeowner payed all my sewer bills dated XX/XX/XXXX to XX/XX/XXXX I payed all my payments in person or thru bill pay from my bank acct. I scan all my documents to to select portfolio, and received confirmation all documents was received to my acct XX/XX/XXXX. I was informed that maybe due to my age I forgot? No I am retired law enforcement who believes in documentation and paper trails. Then one representative told me maybe my municipality kept the check portfolio mailed in for my sewer bill in XXXX? Please help me! Portfolio is not listening to me the consumer and plus I am senior citizen. No one should be treated this way!
Consumer complaint received 2021-07-15
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: Bread Financial Holdings, Inc. (GA)

XXXX XXXX XXXX, {$8300.00} XXXX 
XXXX XXXX  XXXX, {$1700.00} XX/XX/XXXX. 
XXXX XXXX XXXX, {$0.00} XX/XX/XXXX I have reached out to these creditors and tried to get this worked out.
Consumer complaint received 2021-02-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TCF NATIONAL BANK (MI)

On XX/XX/2021, I went shopping and my debit card got declined. Checked my account and realized from XX/XX/XXXX XXXX XXXX over {$4000.00}  was stolen from my account. I notified TCF bank that day. They assured me they would go through my bank statements and dispute all fraudulent charges. On XX/XX/2021 I received a letter in the mail from TCF Bank dated from XX/XX/XXXX, stating they would refund {$150.00} of the XXXX}. The other charges were considered normal account behavior and were denied. All of these charges are from the same place. They are all fraudulent and can not only refund some but not all. On XX/XX/2021 I tried calling TCF dispute services. Their automated services hung up on me and transferred me to many different departments and branches, none of which were dispute services. Everyone I talked to told me they cant help with my situation. I then called TCF Bank in my hometown to hopefully find a correct number. The manager of the bank couldnt find the correct number in their OWN system. All of these charges are from XXXX XXXX and XXXX trip. Where I live doesnt even have XXXX at all.
Consumer complaint received 2022-11-20
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. (MI)

XXXX XXXX XXXX ( Closed Charge-off ) XXXX XXXX XXXX XXXX XXXX XXXX ( Closed Charge-off ) : XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX Account XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written Instructions.

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 An other adverse item of 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 knows or has reasonable cause to believe that the information is inaccurate.