davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-02
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: TRUSTMARK CORPORATION (MS)

In XXXX, I overdrafted an account, XXXX, with Trustmark National Bank. The ovwrdrafted amount was aprox XXXX dollars. Truatmark aprox. One year later relayed the debt to lawyer, XXXX XXXX. I was sued and the judge awarded in Trustmark National Bank 's favor. XXXX attempted to seize funds from a new account I opened at XXXX XXXX XXXX. XXXX XXXX  did Not authorize the transaction, so the XXXX account was in deficit for days, and then the transaction was revoked and my account went back to normal. Trustmark Bank 's lawyer, XXXX XXXX, still had not received payment. I told her, XXXX, to stop calling my phone number, she was very rude. 
Fast forward from XXXX to XXXX, I check my credit report on XX/XX/XXXX, and Truatmark National Bank has posted a credit inquiry that i DID NOT authorize. I called Trustmark 's 1800 number I was then directed to a XXXX XXXX. I contacted her, leaving voice mail until I received a call back on, XX/XX/XXXX. XXXX XXXX ( XXXX ) asked for my personal info, and after that she directed me to a, XXXX XXXX within Trustmark 's XXXX. XXXX XXXX told me on XX/XX/XXXX that I needed to call XXXX XXXX, in reference to my past due debt. 
XXXX stated that Trustmark can do credit inquiries any time as a stipulation of my debt. I was also told by XXXX that the only way to remove this inquiry was to contact XXXX XXXX. I asked XXXX why wasn't this debt charged to a collection agency and listed, as such, in my credit report. I was told again to contact XXXX XXXX, Trustmark 's lawyer Essentially I have a past debt with Trustmark National Bank. I have verbally stated to not be contacted, I have told lawyer not to call my phone. Each time u speak with a creditor it re-initiates the process of debt, Trustmark National Bank is performing unauthorized credit inquiries using my name and information.
Consumer complaint received 2022-05-02
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. (PA)

Transunion has ripped me off for years. First I have HARD INQUIREY from XXXX XXXX XXXX LOANS. This qas XX/XX/2021. I have done everything to show them this is their fault or computers fault. I don't know about fraud because how could they get past credit freeze which has been on report for years. What ever issue they transferred everything to XXXX and they actually are taught to do everything to say your wrong. How is our credit ruled by XXXX personel. This is there mistake and after paying them thousands to help with credit they have done nothing but be unproffessional.How could a hard inquirey go through with credit freeze and they don't follow FCRA sections like to sw every thing they did to show how they investigated. This isfeaud by the 3 biggest credit agencies because I have same prob l m with a company on each bureaus.
Consumer complaint received 2021-06-02
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: SYNCHRONY FINANCIAL (NY)

These accounts dont belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : SYNCH-XXXX**** This is not mine.
Consumer complaint received 2021-11-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MN)

My name is XXXX XXXX. I need your help with my coinbase account. Coinbase froze my account and refused to unfreeze it. I filed a complaint with their office over a month and half ago however, today they sent me an email advising me that the case has been closed. After I checked my account I found out that the freeze is still there and Im still not able to use my account. At this point, I dont really care to have this account. All I want is my money that I invested back. I invested over {$1000.00} on this account and I want that back. 
Please help me
Consumer complaint received 2021-06-10
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: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX  are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 4th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2020-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (AR)

I want to pay off my " closed-end '' loan secured by my dwelling. 

Since XXXX/XXXX/2020, I have made THREE requests to my mortgage loan Servicer for an accurate statement of the total amount that would be required to satisfy my obligation in full. 

Two of the requests were made by secure, internal emails through the online back office provided by the Servicer The third was completed by phone, speaking with a " live '' customer service representative. 

Each request included a specified date, according the rules and requirements of the Servicer, by which the funds for the Payoff must be received by the Servicer. 

As of today, Friday, XXXX/XXXX/2020, there has been no reply by the Servicer, so I contacted their Home Office, again, at approximately XXXX XXXX  CT. 

Of course, I encountered block and tackle resistance by way of an extensive, automated " choose an option '' menu. Eventually, I was advised to visit my online back office for resolution. This is XXXX  run-around, as there is NO process in the online back office to receive any Payoff information. One can only submit a request FOR information. 

Before ending the call, I was prompted to leave a call back number, which I did, because the " wait time '' today is very long. At this moment, it is XXXX XXXX CT and there has been no call back. 

Am I being fair-minded, or unreasonable? I don't know yet. Is there is CFPB rule concerning the amount of time a Financial Institution is allowed before responding to a request for a Payoff? 

Please provide advice on the actions I should take next for resolution of this issue. 

Thank you for your time and attention.
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: EQUIFAX, INC. (OH)

Someone broke into my car a few months ago and now I am seeing request for my credit that I did not do. I have attached a copy of my identity theft report as well.
Consumer complaint received 2024-08-20
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc. (NC)

I am writing to formally dispute the charges associated with my student loan account, which was originally for {$11000.00} but is now showing a balance of {$16000.00}. Despite my efforts, no one has been able to locate this loan in their records, and I have been informed that the account is closed. 

Here are the details of my situation : Loan History : I took out this student loan through the XXXX XXXX XXXX  as an alternative loan to finance my education. The loan was serviced by XXXXFirstmark Services . 

Communication with Loan Servicers : On XX/XX/year>, I contacted XXXX XXXX, who informed me that they have no record of my loan and show a XXXXXXXX XXXX in their system. 
I then reached out to Firstmark Services, who indicated that the loan is supposedly in collections with XXXX XXXX XXXX ( XXXX ). However, when I contacted XXXX, they informed me that the account had been closed by Firstmark Services and is not currently active in their system. 
I have made several attempts to trace the location and status of this loan, but no one seems to have any record of it, and the account remains closed without any explanation. 
Discrepancy in Loan Balance : I am deeply concerned about the discrepancy in the loan balance, which has increased from the original {$11000.00} to {$16000.00}, despite the fact that no one can locate the loan or provide me with detailed records of how this balance was calculated. 
I request a thorough review of this account, including a full breakdown of all transactions, interest accruals, and any fees that have been applied. 
Request for Resolution : Please investigate this matter urgently and provide me with a clear explanation as to why this account is unlocatable in any records and why it remains closed. 
If the charges are found to be incorrect, I request that the balance be adjusted accordingly and that I be provided with a corrected statement and an explanation of any changes. 
If the loan can not be found or verified, I request that this erroneous balance be removed from my credit report and that you provide confirmation of the accounts status. 
I would appreciate a prompt response to this matter.
Consumer complaint received 2021-04-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: PDQ Check Exchange LC (UT)

I have been trying to resolve this issue with money 4 u for a year. They hired a private XXXXnvestigator that threatened me with arrest among other things. I asked if they would meet at police station. She refused. I have been offered a settlement twice then told no. They drained my account twice in 50 dollar increments and.l in quick succession until empty including all my unemployment. I have been told I have a warrant. By them several times. I called XXXX XXXX and XXXX XXXX XXXX to resolve court case. There are no cases or warrant. When I call they are very rude to me and tell me I need to pay my bills. They have destroyed my families birthdays this weekend that Ill. Ever get back. Please help me. I have filed a police report with XXXX XXXX police department. The report was taken by officer XXXX. Police report number is XXXX. Thank you. I have saved all communication from them. And proof of everything stated
Consumer complaint received 2022-07-28
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OH XXXX DOB XXXX SS XXXX My name is incorrectly reported with misspellings and they are affecting my verification process. The correct spelling should be XXXX XXXX XXXX please delete any other variation of my name ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) the following addresses are not mine and are fraudulent please delete : XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX OH, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX  XXXX OH, XXXX
Consumer complaint received 2021-07-14
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: Consumer Adjustment Company Incorporated (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : 06 XXXX  ) XXXX ... CONSUMER ADJUSTMENT CO ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2020-12-11
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)

The companies in this complaint are illegally reporting inaccurate information on my credit report. Plus The one of the companies on my credit report has gone out of business was previous sued. The company XXXX has gone out of business for also breaking the law.
Consumer complaint received 2023-06-22
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: EQUIFAX, INC. (TX)

This is my 4th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX XXXX {$1700.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$890.00}, XXXX XXXX XXXX Balance : {$9200.00}, XXXX XXXX  ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$600.00}, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXXXXXX XXXX XXXX ) XXXX Balance : {$210.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00}, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$1500.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LJ Ross Associates (MD)

I get an alert from XXXX XXXX there a collection in my credit report from L J Ross Associate. I have NEVER been contacted by them nor know anything about this. I call XX/XX/20 XXXX And get XXXX which asked me was my social 3 different times 4 different last digits on a social I said NO. He said hold on came back and said idk dispute it with the credit agency its my job. Very unprofessional and weird. I asked for a manager and XXXX got on the phone said the same and that my name was similar but they had a couple numbers close to mine???? First, no debt validation, signed contract, proof of debt, what the debt is has ever been provided! This is beyond crazy. I explained I will contact CFPB and they said you could t do anything and hung up!!!
Consumer complaint received 2019-05-03
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I put a piano for sale on XXXX on XX/XX/19. I received an email on XX/XX/19 from someone saying they wanted to send a cashiers check, and then have movers pick up the piano. I obliged, but told them if the piano sold first, i would ignore the check. i sold the piano to someone else on XX/XX/19. on XX/XX/19 i received a XXXX cashiers check for XXXX $ from the original buyer, and wrote them and told them the piano was sold, would you like to me to rip up the check. they said " no '', that they were in a bind, and if i would get the movers the money, i can keep XXXX $ for myself for helping them. it sounded like a win/win. i took the check to my local Wells Fargo, and waited until it cleared. On the morning of XX/XX/19, the check appeared cleared in my account, so i went ahead and sent XXXX $ total through XXXX, to two different people, because XXXX $ is the max, and was planning on sending another XXXX $ the next day. Later in the day, around XXXX XXXX, the check was returned, and the XXXX $ that appeared in my account was withdrawn. I had already sent XXXX $ and no one, not wells fargo, or XXXX XXXX, or XXXX wants to help me. the person is not answering my phone calls, and the one phone number i had blocked my number. It turns out it was a fake check, and can't believe wells fargo would make the funds available, and not recognize a fake check.
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I get an alert from XXXX XXXX there a collection in my credit report from XXXX XXXX  XXXX XXXX. I have NEVER been contacted by them nor know anything about this. I call XX/XX/20 XXXX And get XXXX which asked me was my social 3 different times 4 different last digits on a social I said NO. He said hold on came back and said idk dispute it with the credit agency its my job. Very unprofessional and weird. I asked for a manager and XXXX got on the phone said the same and that my name was similar but they had a couple numbers close to mine???? First, no debt validation, signed contract, proof of debt, what the debt is has ever been provided! This is beyond crazy. I explained I will contact CFPB and they said you could t do anything and hung up!!!
Consumer complaint received 2020-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

Greetings ; I have inquiries I didnt authorized on my credit report and I want them remove, I dont know how it is possible that some company can check the report without people authorization.
Consumer complaint received 2019-10-22
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: TD BANK US HOLDING COMPANY (TN)

UNKNOWN INQUIRES MADE ON MY CREDIT REPORT, I CONTACTED THE COMPANY AND THEY ARE NOT WILLING TO REMOVE THE INQUIRES.
Consumer complaint received 2020-08-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AL)

I want to know why the amount of interest that is being charged to my account fluctuates if my principal is going down with a fixed interest rate. I have a fixed 5.1 % interest rate and the interest being charged goes up and down seemingly at will with the principal being less than the prior month. My car payment has gone from {$420.00} to {$480.00} with a fixed interest rate. There are no missed or late payments. I called the finance company and they said that my payment has " flipped '' and there was nothing he could do about because that's the way his company works. Also I paid {$500.00} a month for the last 4 months. I want to know why my car payment went up beyond the contract agreement.
Consumer complaint received 2021-08-03
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I ordered XXXX XXXX XXXX for my nephew 's B-Day XX/XX/XXXX with an arrival date of XX/XX/XXXX, last status check showed XX/XX/XXXX. I switched the delivery location from my home to XXXX, however, I never received the shoes. I checked XXXX first in which 3 different enployees said the shoes weren't there and then I contacted XXXX and XXXX, both companies said they started a claim, but I never got a refund or the shoes therefore I contacted Capitalone, who gave me a temp credit, but took it back after XXXX submitted 1 false receipt of delivery even after I submitted several documents contradicting I ever received the shoes. I even had to purchase the same sneakers from XXXX XXXX shoes since I didn't receive the shoes from XXXX and I informed XXXX and XXXX know that if the shoes were in transit to keep them since they didn't arrive as stated and that I wouldn't accept anything from them. 

Also, I checked with my Leasing Office after seeing the charge back on my account for the XXXX shoes and calling Capitalone the rep stated the shoes were delivered to a XXXX zip code. My Leasing Office gave me a document showing a package was delivered there by XXXX on XX/XX/XXXX signed by XXXX the Property Manager, but XXXX came back on XX/XX/XXXX and picked up the same package. I explained all of this to Capitalone and submitted several documents of proof however they are refusing to refund me for an item I never received. XXXX never refunded me either. 

Also, informed all companies that there was 2 items listed for that one tracking number, but no one could explain why. Also, not sure why XXXX delivered shoes to Leasing Office at all when my request was for XXXX pickup?? That couldn't be explained either. 

Also, per Capitalone rep XXXX submitted 1 receipt that shoes were delivered on XXXX, however I have submitted a document contradicting that from their site as the shoes were still in transit, shows delivered on XXXX to XXXX which wasn't true after calling XXXX & doc shows shoes were then picked up by XXXX and delivered XX/XX/XXXX assuming that is the Leasing Office where the shoes were then picked up by XXXX on XX/XX/XXXX according to the Leasing office document, and now the shoes are in Limbo, but I'm being charged for them. 

I also feel this is retaliation because I informed Capitalone that once the case is resolved and I get my refund I'm closing the account with them.