davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Transunion is back reporting an account that has been deleted, The company is XXXX XXXX. A few weeks back Transunion removed this account I have documents ; nowXX/XX/XXXX I get a email saying Transunion is back reporting it! This company doesnt do investigations throughly either how are you going to take a account off then allow this  company to put it back on!!! CFPB look into this!!
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

TD is inaccurately reporting late payments on my credit report. According to the Fair Credit Reporting Act ( FCRA ), any report that includes information solely related to transactions or experiences between the consumer and the reporting entity should be excluded from a credit report. Since this information is currently included in my report, it constitutes an inaccuracy. TD has also taken an adverse action against me by closing my account rather than filing arbitration to resolve the issue : pursuant to our account agreement. 
Furthermore, the FCRA specifies that any entity providing information to a credit reporting agency is required to ensure that the information is complete and accurate. If they find that the information they provided is not complete or accurate, they must promptly notify the credit reporting agency of this determination. They are also obligated to provide any necessary corrections or additional information to make the report accurate. Continuing to furnish incomplete or inaccurate information would be considered willful non-compliance, which is punishable by law.
Consumer complaint received 2018-02-03
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. (MA)

I have disputed the fraudulent accounts listed on my Equifax Credit report multiple times - I was a victim of identify fraud years ago and discovered them - not to mention a victim of both Equifax and XXXX 's information breaches. I obtained a police report, provided my identification, and my proof of address and submitted disputes to XXXX, XXXX   and Equifax. It did take some time but after months of verification, reinvestigation and working together with the credit reporting agencies, both XXXX and XXXX   removed the bogus fraudulent information and corrected all of the errors on my report. Equifax who have all the exact same information on the errors have deleted non of the error from my report. Therefore, XXXX  shows me with excellent credit and a FICO score of XXXX, XXXX shows me with excellent credit and a FICO score of XXXX and Equifax shows me with very poor credit with a FICO score of XXXX. 
I will be retiring soon and found the errors as I started to prepare to sell my real estate property to look to by a retirement property and discovered I had to delay until I clean this mess up. Equifax if harming me in an unmeasurable way. They were the most reckless with my personal information and are now making it impossible to clean up their mess. They should be fined and in fact prevented from handling any ones personal credit information all together.
Consumer complaint received 2018-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

XXXX XXXX is a credit reporting outlet that get it information from credit reporting agencies XXXX, XXXX  and experian. The problem is they are reporting incorrect information about my credit from these agencies. They have that I owe {$5700.00} from XXXX XXXX XXXX and that I owe {$250.00} to XXXX XXXX XXXX. 

I owe XXXX XXXX XXXX and XXXX XXXX Nothing. My credit report should show both these accounts with a XXXX Balance Owed. 

I want an Investigation as to why XXXX XXXX keep reporting incorrect information. 

Waiting to hear from you. 

XXXX XXXX XXXX
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

XX/XX/XXXX XXXXNotarize signed letter asking for Method of Verification XXXXXXXX A second affidavit was sent and signed asking again for a Method of Verification. My experian report number from XX/XX/XXXXXXXX XXXX XXXX my report states the XXXX XXXX XXXX balance was XXXX dollars open on XX/XX/XXXX and updates on XX/XX/XXXX. 
That is one of the most recent accounts that are misleading on my credit report and in violation of laws. 
Despite two written requests, letters dated and delivered on : XXXX the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly ; who verified these accounts? XXXX XXXX  Account was added XX/XX/XXXX and a balance of XXXX then was CHANGED and went DOWN TO XXXX. HOW was this method verified.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

XX/XX/XXXX -Notarize signed letter asking for Method of Verification XXXX A second affidavit was sent and signed asking again for a Method of Verification. My experian report number from XX/XX/XXXX XXXX my report states the XXXXXXXX XXXX XXXX balance was XXXX dollars open on XXXXXX/XX/XXXX and updates on XX/XX/XXXX. 
That is one of the most recent accounts that are misleading on my credit report and in violation of laws.

Despite two written requests, letters dated and delivered on : XXXX the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly ; who verified these accounts? XXXX XXXX Account was added XX/XX/XXXX and a balance of XXXX then was CHANGED and went DOWN TO XXXX. HOW was this method verified.
Consumer complaint received 2018-02-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have a mortgage and home equity loan with Bank of America. I make all payments on line. I have been with them now for 18 years. I did try to solve this issue directly with Bank of America and was completely ignored. One month I must I paid a partial payment on my home equity and Bank of America never once called me or sent a letter to give me a reminder like the mortgage department as done even when it was only getting to the 16th day to pay the mortgage. I don't think it is fair to a consumer that they failed to notify their customer that a payment was due and to report it as late to the credit bureaus and to have a negative affect on my credit score. This would have been 1x in my entire relationship with Bank of America that I was late.
Consumer complaint received 2018-06-03
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: Home Loan Center, Inc. (CA)

XXXX XXXX website is MISLEADING and DECEITFUL. Does not clearly show or state hard inquiry will be placed on consumer file. Only ask for last 4 digits of SSN. Disclaimer is not clearly visible to consumer. In its disclaimer using small print, using the words lender MAY pull credit file. Nowhere before beginning the application it states that the lenders MAY or WILL be pulling your credit file. Asking for last 4 digits of SSN is not a clear indication to the consumer that an hard inquiry will be placed on credit file, Submitted a complaint on website no response. Please visit XXXX XXXX website and start an Auto Loan application to better understand my complaint
Consumer complaint received 2024-10-10
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. (RI)

I found some errors on my credit report, which are regulated by 15 USC 16c-2, and I believe these inaccuracies are negatively impacting my credit score. The hard inquiries shown were not authorized by me.
Consumer complaint received 2018-02-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

I opened my Coinbase account in XX/XX/XXXX. Last time I had access to my account was about a year ago. I have been unable to acces the the account because I have a new phone number. Their website verification has been broken for at least 2 months. 

After a few weeks of trying to verify my identity through their site, I started a tech support ticket on XX/XX/XXXX. 

They rep had been unhelpful and had not responded in several weeks - no fix has been made. 

Coinbase has effectively stolen my money/bitcoin. They have no intention of helping me get into my account and releasing my funds. 

You can reference Coinbase support case number : XXXX Please help me. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-02-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect (TX)

On or About XX/XX/2018, after reviewing my credit score ( XXXX ) I contacted the XXXX XXXX company in XXXX, Wisconson about a new collection/chargeoff. After providing my personal information the agent stated that, I owed that debt and the only way to settle it would be pay it off. Being unemployed and XXXX I needed no more setbacks, I honestly wasn't sure of the many doctors visited which one it was ; I just didn't need my credit score dropping anymore. The amount the agent stated did not match the amount on my XXXX report and she said it was for another bill due to that same hospital?? so she added that on. I asked what I could pay and she said she would see if they would offer a settlement, she returned and said they offered a 20 % discount and that I would have to pay it all at one time, and this would be written as paid off on my report. So I agreed to pay it off in mid XX/XX/XXXX likely with tax return money. I later found out she misrepresented herself and gave false information regarding any arrangement/agreement or contract with this hospital to settle. I also believe she violated my rights to fair credit collecting practices and manipulated me into paying on a debt, without giving me any evidence that I owed. I had no contract with XXXX XXXX, beforehand and was coerced into that mid XX/XX/XXXX payment as the only option available. At a minimum If XXXX XXXX, is willing to accept a " settlement '' payment they should have provided me a written statement validating the debt, the original lendors willingness to settle and the outcome this would result on my credit report. Non of this was provided. I have never had a CREDIT CARD ( except secured ) and its these very same tactics that exploit our attempts to establish credibility and credit worthiness. My credit score has been adversely effected by these collecting practices and reporting. I went to XXXX to begin a dispute however on XX/XX/2018 after successfully logging in I was unable to select any fields or enter any statements. So I am left to begin a mail in process and hopefully have this resolved. Your assistance in this matter is appreciated.
Consumer complaint received 2018-02-03
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: EQUIFAX, INC. (OH)

I XXXX XXXX have a credit card with XXXX XXXX I have reached to them they have reached out XXXX XXXX about the fact I have an authorized use my husband XXXX XXXX on my card but I cant get them to report the fact he is an authorized user to his credit
Consumer complaint received 2018-06-05
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: Experian Information Solutions Inc. (TX)

On XX/XX/2018 I was notified that an inquiry from XXXX dated XX/XX/2018 showed upon my credit file. I have notified Experian that this inquiry was not authorized by me and also have spoken with XXXX and there was no application put in at there company under my social. Experian is adding inquiries onto my credit file without authorization from me or the company XXXX. I am a victim of identity theft and have a 7 year identity theft notice in place. However Experian is still reporting this inquiry onto my credit file after I have notified them that this was not of my doing. I have never applied for a XXXX and never authorized this inquiry!!!
Consumer complaint received 2018-02-03
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. (NY)

On XX/XX/XXXX Experian placed a formerly disputed fraudulent account on my report that has many times in the past been disputed as fraud not to exclude that the fraudulent account is over 10 years old. 

I immediately disputed the account as fraud and noted that it is an account that has many times over been disputed as fraud and more than 10 years old, and that clearly the current collection agency,  XXXX XXXX XXXX, bought it from another. 

Today XX/XX/XXXX, I receive an email from Experian that there was a change in my credit score. Experian dropped my credit score 63! points for an account that has been proven to be fraud, more than ten years old and has been repeatedly removed from my credit reports because it is fraud and more than 10 years old. And now today the same fraudulent account is on my Experian credit report twice!! It was first placed on my credit report on XX/XX/XXXX and again by the same company on XX/XX/XXXX So one day after I disputed the account as fraud and over 10 years old and before any investigation was even begun Experian penalized me with a 63 point credit score decrease and allowed them to place the same identical fraudulent account on my credit report that I had just disputed two days earlier These repeated errors by Experian, XXXX and XXXX  are cause for investigation into the companies themselves.
Consumer complaint received 2018-02-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: WELLS FARGO & COMPANY (TN)

My private student loan is with Wells Fargo. The issue is not directly related to the student loan. Rather it has to do with Wells Fargo handling of XXXX issues. 

A few years ago I was party to a class action lawsuits regarding how Wells did not accommodate clients with hearing loss. This is still occurring. 

Wells Fargo has an area on their website titled Hearing Impaired yet they only list phone numbers. Calling for help is very difficult for myself and others with hearing impairement. It seems prudent, especially after the lawsuit, that Wells would offer an email or chat option to accommodate those that can't hear so they can receive customer service.
Consumer complaint received 2018-02-03
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. (LA)

Ive contacted the credit bureaus on several occasions asking them to investigate items on my credit report. This company is failing to reply to me or investigate my disputes. Per th FRCA I do have the right to dispute inaccurate information on my credit reports right? After carefully reviewing my credit report I noticed several accounts listed under MEDICAL. Under the HIPPA Law my medical information is protected from third parties. I know for a FACT I have NEVER given ANYONE permission or access to my medical information. I have contacted these third party companies asking for a medical release form. No one has furnished me with this information I have requested. I am DEMANDING the credit bureaus respect my personal information and rights and remove these accounts from my credit reports IMMEDIATELY XXXX XXXX XXXX - {$810.00} XXXX XXXX - {$1500.00} XXXX XXXX - {$81.00} XXXX XXXX - {$75.00} XXXX XXXX - {$210.00} XXXX XXXX - {$160.00} XXXX - {$5000.00} I Have NEVER DONE BUSINESS WITH THESE COMPANIES!!!! They should NOT have any of my information. This is becoming exhausting and I feel like I have exhausted all my options. This is causing me major stress.
Consumer complaint received 2018-02-03
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. (LA)

Ive contacted the credit bureaus on several occasions asking them to investigate items on my credit report. This company is failing to reply to me or investigate my disputes. Per th FRCA I do have the right to dispute inaccurate information on my credit reports right? After carefully reviewing my credit report I noticed several accounts listed under MEDICAL. Under the HIPPA Law my medical information is protected from third parties. I know for a FACT I have NEVER given ANYONE permission or access to my medical information. I have contacted these third party companies asking for a medical release form. No one has furnished me with this information I have requested. I am DEMANDING the credit bureaus respect my personal information and rights and remove these accounts from my credit reports IMMEDIATELY XXXX XXXX XXXX - {$810.00} XXXX XXXX - {$1500.00} XXXX XXXX - {$81.00} XXXX XXXX - {$75.00} XXXX XXXX - {$210.00} XXXX XXXX - {$160.00} XXXX - {$5000.00} I Have NEVER DONE BUSINESS WITH THESE COMPANIES!!!! They should NOT have any of my information. This is becoming exhausting and I feel like I have exhausted all my options. This is causing me major stress.
Consumer complaint received 2018-06-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: National Auto Lenders, Inc. (TX)

After submitting a good will letter 3 months ago along with calling the company, emailing and faxing documentation to remove late payments for my auto loan due to Hurricane Harvey and being without employment for 5 months, this company still will not help with my account by removing any of the late payments from my credit report with all 3 credit bureaus :
Consumer complaint received 2018-02-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX I sent an email to the head of Capital One requesting a Goodwill Adjustment tothe negative marks on my credit report in reference to my auto loan. In spite of being charged nearly double for my car after financing by Capital One, I was a favorable customer for the first two years of my loan, paying my bill on time or early, up until the time I fell on financial hardships in XX/XX/XXXX due to being laid off. As a matter of fact, although laid off in XX/XX/XXXX, I continued to keep my Auto loan a  priority and it remained current until XX/XX/XXXX when my savings ran out. 

After my lay off, I ended up incurring roughly 14 months of negative payment history. However, once I regained employment and was able to again reorganize and build up my finances, I also caught up my Capital One Auto Loan and have kept it in good standing. 

I included all of this information in my request to Capital One, and was notified via phone, last week, and via mail, today XX/XX/XXXX that my request to remove the negative marks as a show of goodwill was denied. I was also given no reason. 
I explained to Capital One that I am attempting to purchase my first home, and that these derogatory marks from the period when I was experiencing financial hardship are the strongest factor in preventing me from getting a good interest rate on a home.
Consumer complaint received 2018-02-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (ID)

I've deposited {$2000.00} into an account on Coinbase. Two weeks ago I was logging into my account and I wasn't able to log in. I submitted a service ticket. Since then I've submitted close to 50 emails, blog posts and made multiple phone calls. The only thing I've received from them are automated email messages and their phone representatives tell me that the issue has been escalated. I have no visibility to my funds and can not remove them from the market. I've spent countless hours trying to find a way to get their attention only to find thousands of more people that are having similar issues. Coinbase took my money and has charged me plenty fees and now are keeping from my funds. People need to know about this before they invest their hard earned money. The emotional toll that this has taken on me has been severe.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

I need your assistance regarding the false information being reported on my credit report. This matter is serious, as it has negatively affected my reputation, and I need your intervention. Your mishandling of my credit report has caused significant harm, and the incorrect reporting has damaged my standing. It's crucial that you remove these false details from my credit report.
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MI)

I have been trying to get my free report and scores but no Luck!

with XXXX   Bureaus but after I put my personal information I get a window message that says no record on the data you entered.

instead I get soliciting products or services to purchase from them.

only Experian sent me a report but without scores. was requested on XX/XX/2018 with wrong & outdated information that passed 8 years.

while XXXX can NOT be accessed at all