davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

TransUnion has sold my personal information to several companies without an written authorization from me. Reporting XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. TransUnion has stolen my identity under Identity Theft and Assumption Deterrence Act of 1998 - Amends the Federal criminal code to prohibit identity fraud. Imposes penalties upon anyone who, in interstate or foreign commerce or through the use of a communication facility, knowingly, with intent to defraud, and in order to receive payment or any thing the aggregate value of which is at least {$1000.00} : ( 1 ) receives, acquires, obtains, purchases, sells, transfers, traffics in, steals, possesses, or uses any personal identifier, identification device, personal information or data, or other document or means of identification of any other entity or person; ( XXXX ) assumes, adopts, takes, acquires, or uses the identity of any other entity or person; or ( XXXX ) attempts, solicits another person, or conspires with another person to commit such offense. TransUnion has violated the law.
Consumer complaint received 2023-08-04
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. (MI)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXX, MI XXXX XX/XX/2022 ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00}
Consumer complaint received 2023-08-04
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. (LA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , LA XXXX , XXXX XXXX XXXX  XXXX XXXX XXXX, LA XXXX, XXXX XXXX Balance : {$0.00}, US DEPT ED XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$610.00}, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$170.00}, XXXX XXXX Balance : {$490.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$310.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$490.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$780.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00}, XXXX XXXX XX/XX/XXXX, 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 XX/XX/XXXX , XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, 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 XX/XX/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.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IL)

I went to annualcreditreport.com to request my report and all asked me to call. After calling Equifax refuses to send my report. They are asking for information I have already provided.
Consumer complaint received 2023-08-04
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 would like to request the suppression of this item from my credit report, which is the result of fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to which is reported erroneously. I am in desperate need of these items to be INSPECTED and blocked. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX
Consumer complaint received 2023-08-04
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. (VA)

In accordance with the Faie Credit Reporting act 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 an account without my written instructions.
Consumer complaint received 2023-08-04
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2018-02-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OH)

Since XX/XX/XXXX I've been receiving harassing phone calls all throughout the day from Navient regarding loan payments for 2 of my private loans from XX/XX/XXXX I'm currently in XXXX school and notified them of this. They stated I was under Forbearance, but it was running out. But if I paid XXXX dollars over the phone it would bring my account current and I would continue to be in Forbearance till  XX/XX/XXXX. Well They have continued nonstop calling with harassing phone calls since XXXX and asking me to pay another XXXX dollars to for the Forbearance program. Well I contact Navient on several occasions trying to see what program I could get to help me with the 2 private school loans who we're initially through XXXX XXXX, and was told that once I finished school I could have the 2 two loans combined as one, but that never happened. I opt out to borrow XXXX dollars and was told that it had to be taken out in 2 different loans. The loans have blown up to XXXX dollars per Navient. They said I have run out of Forbearance and I asked if I could get help, because i'm not able to make the allotted loan payments. They also charged my account with late fee 's and reported my account to the credit bureau and I filed an complaint and they had to remove the derogatory late payments off my credit. They have since reported that I'm 2 payments late on the loans, even though they told me I'm still under a Forbearance till XX/XX/XXXX. I never received a email or call about the 1st recent missed payment, bit all of a sudden the account is 2 months late. My interest rate is 11 % and XX/XX/XXXX I contacted Navient and asked what other programs am I qualified for since I'm still in school and can not afford the XXXX payment at this time. I was offered a program to decrease the interest rate on the loans and lower the payments from XXXX to XXXX. But was told that the offer was only good for 12 months on the 1 loan and 6 months on the other. And after the time frame, my loans would resume the original amount plus the interest unless I could qualify again. I need help with this issue and finding a resolution before my loans go into default which I don't want that, I want to pay for the student loans. Even though the loans we're taken out under predatory lending practices from XXXX XXXX for XXXX XXXX XXXX which was not a accredited program and was lied to about it.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (KY)

Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill may have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts : late payments XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX reported by XXXX Number XXXX Furthermore, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect 100 % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within 30 days.
Consumer complaint received 2023-08-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/XXXX I lost my cellphone was stole from a public bathroom. I notified the banks because they could have access to all the apps with access to my accounts. I also called pay pal and let them know of the situacin because there was unauthorized transactions and they still do not allow me to close the account. I provided the case number provided by the XXXX XXXX XXXX ( XXXX ) and let them know that I also dud a report with the FBI. The persn opened an account using my data but never received the card because they changed my address. They want me to be responsable when I let them know about the issue and they didnt closed the account as they asked. I have the following transactions XXXX XXXX {$150.00} XX/XX/2023 XXXX XXXX {$1.00} XX/XX/2023 XXXXXXXX XXXX {$4.00} XX/XX/2023 XXXX XXXX {$1.00} XX/XX/2023 In addition, here is a debit card I didnt solicit ending in XXXX from Paypal. 

No matter I even I sent email explaining the situation they keep responding in favor of merchant. 

I need pay Pal to close the account and make XXXX XXXX responsable because he is the one who stole the phone ( i confirmed his identity ). 
ACCOUNT : XXXX Thank you!
Consumer complaint received 2023-08-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

Around 15 days before the end of XXXX I received a form letter from XXXX XXXX informing me that our mortgage was sold to New Rez LLC and that beginning XX/XX/XXXX no payments would be processed by XXXX XXXX. Other than providing a mailing address for payments and instructions to update our homeowners coverage with the new mortgage company the letter provided no information on what to expect from New Rez. I have been left to assume that there is no change in our account number, but this is not at all clear from the communications. 

It is now XX/XX/XXXX and we have yet to receive ANY communication from New Rez, a company we had never heard of, and which I understand from my own research has extremely low customer satisfaction ratings and many complaints filed against it. XXXX XXXX was horrible to do business with ; now we can anticipate even worse service. 

Isn't New Rez accountable to provide some kind of communication to borrowers, in a more timely manner than after the payment due date? We have not received a monthly payment notice from them or any other communications. There is no email address for customer service provided by the form letter we received from XXXX XXXX, and no way to figure out if our account has actually been re-established at New Rez.

They have also put on my back responsibility to update my homeowners insurance company. It boggles my mind that I have to do ALL OF THE WORK when they are making good money on my business and putting me through considerable stress and hassle to help them do so. 

With something as important as a mortgage payment, I feel as a customer and homeowner and borrower the lender should be accountable to provide clear, proactive communications to ensure this transition is handled with no inconvenience to me as a profitable customer of these companies. This is the second time our mortgage has been sold and it is incredible how we get passed around, " sold '' like a piece of meat ; these companies doing these deals owe their customers more! 

I hope you will hold both XXXX XXXX and New Rez accountable for handling borrower communications when servicing rights are sold in the best interest of people like me.
Consumer complaint received 2023-08-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (CT)

I have been a XXXX plus year XXXX card holder. In late XXXX the XXXX XXXX XXXX XXXX card service provider was switched from XXXX to Barclays Bark. I believe as part of the switch Barclays created a new account number for my relationship without subsequently terminating my prior account number ( my prior XXXX account number was XXXX ). For the the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Barclays reported account late XXXX, XXXX, 120 days late before reporting closure of the account in default. During this time payments were made timely to the new account they established. When contacted for resolution Barclays has indicated they have no record of account XXXX although it is clear they're reporting the account to the credit bureau 's in error. 

The unfortunate credit reporting error and subsequent inability to resolve has created a hardship and inability to have additional credit extended by other lenders. Your assistance is appreciated
Consumer complaint received 2023-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (LA)

In XX/XX/2023, I received a text from a debt collector claiming that I owed money to the XXXX XXXXXXXX XXXXl. However, I knew this was not the case, so I promptly sent them a cease and desist letter, clearly stating my request to stop all communication. Despite my efforts, the harassment did not stop, and they continued to message me on XX/XX/3023, XX/XX/2023, and XX/XX/2023, persistently ignoring my plea and falsely insisting on the debt. This ongoing harassment caused significant distress and frustration, compelling me to explore further actions to protect my rights and address the situation legally.
Consumer complaint received 2023-08-04
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. (NE)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (MD)

I reaffirmed an auto loan with Wells Fargo XXXX XXXX after filling XXXX  XXXX in XX/XX/XXXX. I continued making all of the loan payments on time every month. However, Wells Fargo still removed my auto loan from my credit report and said they would report the loan again to the bureaus once it was paid off. 

I paid off the loan a year ago in XX/XX/XXXX and submitted a request to have the tradeline added back. Wells Fargo sent me a letter which states that they " asked '' the bureaus to add the tradeline back. However, that doesn't seem to be true. I've followed up several times with Wells Fargo and the three main credit bureaus. Wells Fargo tells me they reported the loan but all three main credit bureaus tell me they haven't received any communication from WF Dealer Services on my behalf. 

In XX/XX/XXXX I decided to check my XXXX report and found an old WF Dealer Service record which was missing data from XX/XX/XXXX through XX/XX/XXXX. So I submitted a dispute through XXXX on XX/XX/XXXX to have the missing months updated. Then the record disappeared entirely. I called XXXX and spoke with an agent who said Wells Fargo 's response to the dispute was to delete the record entirely. 

I'm baffled at why Wells Fargo would tell me they've tried to add the tradeline back and then also delete the only record remaining. 

I've been dealing with this issue for 11 months and I'm getting no where. I'm desperately trying to improve my credit score and I really need this loan to be reported on my credit history. 

XXXX = Nothing from Wells Fargo Dealer Services as of XX/XX/XXXX Experian = Nothing from Wells Fargo Dealer Services as of XX/XX/XXXX XXXX = Nothing from Wells Fargo Dealer Services as of XX/XX/XXXX XXXX = Record was deleted by Wells Fargo on XX/XX/XXXX
Consumer complaint received 2018-01-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

On XXXX XXXX, 2018, I withdrew XXXX BTC from XXXX and transferred this amount to GDAX- owned by Coinbase . I still have not received my BTC. There is NO response from support, even though I have sent 3 emails asking for help. I have transferred coins and fiat for many months between exchanges around the world. The longest time it has taken has been 4 hours. GDAX states it will take 24 hours- it has now taken almost 5 days.
Consumer complaint received 2023-08-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC (FL)

My name is XXXX XXXX. 
I was shopping for a car at XXXX XXXX 
My credit was ran and I was only Approved for XXXX. Loan for car. 
I called the American Credit car loan company on my car to ask for the details On my car loan. I feel im being overcharged for the loan because I was only approved for XXXX and my ending charge off is higher than what I agreed to also its more than the car is worth.
Consumer complaint received 2023-08-03
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: Experian Information Solutions Inc. (TX)

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.

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.