davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
Product: Credit reporting 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. (DC)

On XX/XX/year>2024 these Companies pulled my credit profile without my Authorization. This incident was reported as identity theft & should be removed from my credit profile. - 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
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

It's been months that I'm trying to fix errors that are being reported on my credit report because my creditworthiness is highly important to me, and the errors in my credit report have had detrimental effects on both my financial prospects and my emotional well-being but my requests and complaints kept getting ignored or disregarded which furthers the negative impact on both my life and my credit.
Consumer complaint received 2021-04-10
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 have had a coinbase account for about 2 years. On XX/XX/21 I got emails where my ethereum in my coinbase account was transferred to XXXX. I have not made any transactions on the account in awhile and so I was concerned. When I tried to get into the account it would not let me in. There is an option for help with support and I opened a complaint ticket XXXX explaining my problem. they replied back telling me they need to some investigating and then they replied back that the issues was resolved and that i can log in. I have changed the passwords and done everything the emails direct me to do but I still can not access my account. I know the account is there because they will send me notices about tezos stacking rewards but i cant access the funds. the cryptocurrency is increasing in value so I know that the value of the account has also increased. What was about XXXX is probably closer to XXXX if not more now and I can not get into the account. I have reached out and readdressed the ticket about 3-4 times with the same nonsense response and i am still unable to access my account. 
I would appreciate anything you can do to help XXXX XXXX
Consumer complaint received 2020-12-02
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. (LA)

On XXXX XXXX XXXX  placed an unauthorized inquiry on my Equifax report. 
On XXXX XXXX XXXX XXXX  placed an unauthorized inquiry on my Equifax Report. 
On XXXX XXXX XXXX XXXX placed an unauthorized inquiry on my Equifax report. 
On XXXX XXXX XXXX  placed an unauthorized inquiry on my Equifax report. 
On XXXX XXXX XXXX  XXXX XXXX placed an unauthorized inquiry on my Equifax report. 
On XXXX XXXX XXXX placed an unauthorized inquiry on my Equifax report. 
On XXXX XXXX XXXX placed an unauthorized inquiry on my Equifax report. 
On XXXX XXXX XXXX placed an unauthorized inquiry on my Equifax report. 
On XXXX XXXX  XXXX company placed an unauthorized inquiry on my Equifax report. 
On XXXX XXXX XXXX XXXX XXXX  placed an unauthorized inquiry on my Equifax report.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have mailed certified mail letters to Trans Union on six ( 6 ) occasions, however, they continue reporting two ( 2 ) addresses which do not belong to me. I am very concerned that my identity has been stolen and the thief placed addresses that do not belong to me. The addresses being reported are " XXXX XXXX XXXX XXXX  XXXX, XXXX, NY XXXX '' and " XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ''. I do not and have not ever resided at these addresses.
Consumer complaint received 2022-07-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (CA)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

COMENITYBANK/VICTORIA XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX  COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I XXXX XXXX XXXXLING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2022-05-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

The company ( Coinbase ) created a 12 word seed phrase  password without emailing me the password in XX/XX/2021. They then logged me out of my account the day before the value of my portfolio was expecting a jump in value and will not allow me to log back in without this new seed phrase that they created saying that they don't have access and can't send it to me via email. They should not be allowed to not have a mechanism for restoring these passwords in this day and age especially one that they themselves created.
Consumer complaint received 2021-11-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

XXXX XXXX XXXX was paid off in full in XX/XX/XXXX. Nissan Finance never sent title to vehicle. Went to the XXXX to request title and was notified Nissan Finance had requested the title as a paper copy in beginning of XX/XX/XXXX to be sent to an address in California. Have called several times to resolve this. Vehicle is sold and can not complete sale as they are holding the title to a vehicle I paid for! No reason as to why this was done this way and this should be illegal! Have been told it will now take 20 business days to get the title in the mail and I have already purchased a new vehicle and can not go through with selling this one due to this issue.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION (MT)

Sallie Mae is reporting my accounts as having a balance. The accounts are closed and the balances are all XXXX. 

When I filed a dispute with the reporting agencies, Sallie Mae told them their reporting was accurate even though they know it isnt. 

All accounts have a XXXX balance and are closed.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

My XXXX XXXX was flooded in XXXX, Texas on XX/XX/XXXX due to XXXX XXXX. I informed my insurance company and completed all necessary paperwork with GAP for my loan to be paid out and closed to Wells Fargo in a timely manner. 
I pulled my credit report XX/XX/XXXX and learned there was a charge of {$490.00}. In shock and disbelief, contacted Wells Fargo and asked why was I reported to collections. Wells Fargo representative stated after insurance/GAP was completed there was a balance for {$490.00} and it was not paid until XX/XX/XXXX. 
I tried explaining that in XX/XX/XXXX when XXXX happened I lost all my vehicles, XXXX included. I always submit payment on time and if I would have known there was {$490.00} pay off amount I would have paid it on time. 
I asked the representative why I wasn't made aware. Wells Fargo rep did not have an answer for me and kept telling me it is not Wells Fargo 's responsibility to inform me I have remaining balance. 
I asked then why did it take XXXX months to notify me. The Wells FARGO rep said he is not sure why it took XXXX months. Wells Fargo rep kept saying it is not their responsibility and GAP Insurance should have reached out. 
I said yes it is my responsibility but I also did not receive any mail or bill until XX/XX/XXXX which then I paid it off. 
Wells Fargo rep said he can send me a pay off letter and I can submit it to the 3 credit bureaus myself and he is not able to do anything since it has been 4 years and the loan is paid out and closed. The Wells Fargo rep also stated there is a miscommunication and in order for it to be resolved I would need to contact the creditors with the payment transaction and pay off letter I will receive from Wells Fargo. 
I am requesting for this negative reporting to be removed as it has been wrongly reported. I was not notified until XX/XX/XXXX - XXXX years later, that something I have paid for, to my knowledge, on time, was negatively affecting me. I sincerely ask for your help in reviewing and removing this. Thank you
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

After review of my credit report I sent for a dispute on inaccurate information to XXXX, Experian, and XXXX. It has been over 30 days and I have not received any response. 

XXXX is reporting the following incorrect information : Incorrect Name : XXXX, XXXX, XXXX & XXXX, XXXX, XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX Incorrect Employer : XXXX Experian is reporting the following incorrect information : Incorrect Name : XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX Incorrect Employer : XXXX XXXX is reporting the following incorrect information : Incorrect Name : XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, OH XXXX Incorrect Employer : XXXX
Consumer complaint received 2022-07-11
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. (OH)

After review of my credit report I sent for a dispute on inaccurate information to XXXX, XXXX, and Transunion. It has been over 30 days and I have not received any response. 

Transunion is reporting the following incorrect information : Incorrect Name : XXXX, XXXX, XXXX & XXXX, XXXX, XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, OH XXXX Incorrect Employer : XXXX XXXX is reporting the following incorrect information : Incorrect Name : XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX  CT XXXX XXXX, GA XXXX Incorrect Employer : XXXX XXXX is XXXX the following incorrect information : Incorrect Name : XXXX XXXX XXXX Incorrect XXXX : XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, OH XXXX Incorrect Employer : XXXX
Consumer complaint received 2022-12-19
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. (NY)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2024-09-13
Product: Credit reporting 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. (NC)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2022-04-14
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: Convergent Resources, Inc. (TX)

On XX/XX/2020 Convergent Outsourcing has been absolutely destroying my staggering reputation by reporting false information for years. I have reached out to them numerous times about this situation. Convergent Outsourcing Still hasnt fixed there mistakes. In accordance with the fair credit act Convergent Outsourcing Account # XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 604 A section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions. Convergent Outsourcing has used my report improperly for long enough XXXX already deleted this account from my report now its XXXX XXXX XXXX still reporting false information for years.
Consumer complaint received 2021-09-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (AL)

Wells Fargo bank has taken advantage of me as the other customers and consumers for forcing those past employees to open up fake accounts I believe XXXX XXXX accounts with out the permission and authorization and consent of the consumers and customers that trusted Wells Fargo bank to help us to become financially stable and in which Wells Fargo bank has lost the trust of those customers and consumers that trusted Wells Fargo bank to help those customers and consumers to become financially stable. And also I want to share this information with you all. What if those past employees has a family member that has a XXXX son or daughter will Wells Fargo bank take away from those past employees of Wells Fargo take advantage of them that suffers with XXXX  and XXXX  XXXX. And take food out of those families that are struggling to provide for their families and will those that are still working at Wells Fargo bank to take the food out of their families mouth? I know that if I know that if I I had a family of my own I would not like it at all. Wells Fargo bank has been doing this for years. But when a consumer and customers find out about all of these illegal activities that Wells Fargo bank has and continues to even this day Wells Fargo bank still are taking advantage of the consumers and customers that trusted Wells Fargo bank to help them. And not only I have been taking advantage of but all of us has trusted Wells Fargo bank to help us. When you or anyone as or someone else ask questions and Wells Fargo bank has been caught taking advantage of people what Wells Fargo bank and it's bankers wants to transfer the call to someone else. Wells Fargo bank has charged me all of these hidden fees. Wells Fargo bank has also been sued for discrimination and forcing those past employees of Wells Fargo bank to participate in all of these illegal activities. And has taken advantage of and the other customers and consumers opening up fake accounts with out the permission and authorization of these consumers and customers.
Consumer complaint received 2022-07-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

KOHLS/CAPITAL ONE XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2021-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (MO)

MY NAME IS CHIEF XXXX XXXX RETIRED US XXXX. I HAVE A WELLS FARGO CREDIT CARD ( ACCOUNT ENDS IN XXXX ) I PAID OFF THIS CREDIT CARD IN FULL IN THE AMOUNT OF {$4800.00} ON TIME AND SOMEHOW THE ACCOUNT WAS CLOSED WHEN I CALLED WELLS FARGO TO INQUIRE ABOUT THIS THEY COULD NOT WAIT TO OPEN UP THE ACCOUNT BUT REFUSED TO ALLOW THE " EARNED '' REWARDS TO STAY WITH THE ACCOUNT??? PULLING BACK MY EARNED REWARDS FOR PAYING OFF A {$5000.00} CREDIT CARD IS NOT ONLY NOT HONEST, ETHICAL OR FAIR, IT DOESN'T MAKE ANY SENSE TO ME. REWARDS SHOULD STAY WITH THE RESPECTIVE ACCOUNT NOT BE YANKED BACK MEANING WELLS FARGO MIGHT HAVE TO PAY THE REWARDS ACCORDINGLY I WOULD LIKE TO REQUEST THE ASSISTANCE OF CFPB TO VERIFY THIS SITUATION AND ASSIST ME IN OBTAINING MY " EARNED '' REWARDS FROM WELLS FARGO BANK. ( REWARDS FROM WELLS FARGO ARE NOT FREE OR GIVEN THEY ARE EARNED AND SHOULD STAY WITH THE RESPECTIVE ACCOUNT FOR THE CARDHOLDER TO USE AS THEY SEE FIT ) ... THANK YOU FOR YOUR HELP AND ASSISTANCE. RESPECTFULLY, XXXX  XXXX XXXX XXXX RETIRED
Consumer complaint received 2021-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Mr. Cooper has lied to us for 4 months. My last call in XXXX they assured me they would NOT pay the supplemental taxes. I sent a check for the taxes and the next day they sent a check for the same taxes. Then they set up our supplemental taxes ( one time payment XXXX to be escrowed and paid again in XXXX. I had to call and have them delete the future tax payments that were incorrect on our account. Long story short we have been overpaid {$910.00} at XXXX XXXX of XXXX since XXXX and Mr Cooper has lied to us every time we call, they have NEVER responded in writing to one of several inquiries, they now have inflated our mortgage payment again due to the error they made for money already paid. I am XXXX on Social Security and they refuse to take any responsibility for the errors they make. Most representatives are only concerned when you call about another refinance and never follow through or call back. I asked for office of the president last week and after 45 minutes they never called back again. I just spoke to them again, they have now transferred our loan which has escrow overpaid and they have inflated our payment. I even sent a check to them for {$740.00} to make up the difference of the overpayment. They lied to us for 2 months saying the money would be refunded to our account in 8 weeks or less and now XXXX XXXX is saying 90 days. We shouldn't have to deal with so many problems or never get a call back EVER from a mortgage company handling a half XXXX dollar loan. Not one reply to anything or follow up ever.