davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CO)

Contacted by Navient ( XX/XX/XXXX ) about student loan I apparently co-signed for my wife ( at the time ). Requested proof, they said they've been sending it to me, but I've not seen any. I told them to quit calling. 

Contacted by XXXX XXXX XXXX in ( XX/XX/XXXX ) about same loan. Requested proof. They sent me the application / contract that was supposedly faxed from the school to Sallie Mae ( Loan was from XX/XX/XXXX ). 

I have a problem because they sent the cover letter ( # pages whited out ), application ( signed XX/XX/XXXX ), and contract ( Copyright XX/XX/XXXX ). Further, while the application has the fax headers, the contract does not. It's clearly been pulled from some other file to be included with this one. I can't imagine this to have been done unintentionally, as the contract would have been included with the fax. Someone thought enough about it to alter the cover letter, hiding the # of pages in the original document. I find it troubling, that a company currently involved in a lawsuit regarding unethical ( at best ) behavior would conduct themselves in such a manner. 

I would like to point out that I'm named as the co-borrower on this loan, and the primary ( XXXX XXXXa ) passed away in XX/XX/XXXX.
Consumer complaint received 2018-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

I have spoken with XXXX about my credit report, so many times now they ask me for my social and date of birth And I don't get a chance to talk with anyone about my credit report. just the machine. Early in XXXX They told me they would seen a new credit report, they have not done so, it seems to me after I have put in a complaint it's gotten worst. once I give my information, the machine won't even connect me it tell me to go online and dispute my information. I have the report number from the old report. So I'm not even sure they have taken anything off. I'm am a victim of fraud I have sent police reports affidavit and now my attorney is sending signed documents I have worked with the Fraud prevention services and Identity Theft through XXXX they told me that all three credit bureau would be made aware. They have not removed anything far as I know. I can't see it because I have not received a up to date report. all I can use is the old report. and now I can't even get a human on the phone. If you can help me with XXXX I really would appreciate it this issue has been going on way to long. And I don't have a credit card Witch was mention in the last report For that reason I have not paid to receive my credit score. I would like to see how much they have worked on my credit. Thank you for whatever you can do.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2019-08-19
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (CA)

I was going to file bankruptcy but missed my hearing and was eventually dismissed therefore not in effect XXXX case number bankruptcy reported XX/XX/2018 name XXXX XXXX but it still reports on my credit as if i had completed the bankruptcy
Consumer complaint received 2019-08-19
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WESBANCO BANK, INC. (KY)

OnXX/XX/XXXX I purchased an automatically renewing, $XXXX   CD for my minor child from XXXX XXXX of XXXX Ky. On XX/XX/XXXX when I presented this CD document to WesBanco Bank , a successor in ownership of XXXX XXXX (which had been purchased by XXXX XXXX) to cash it, WesBanco told me they would not honor it since it was "too old" and they don't have any record of it. They said they only are obligated to keep records for 7 yrs. despite the auto renewal clause present on the face of the CD. I checked with the KY State Treasurer to see if it had escheated to the state and it has not. I believe this bank has violated its fiduciary duty to me and my son and if banks are permitted to take customer's money without contacting them or giving any kind of accounting to anyone then no citizen's funds are safe! I plan to contact both of my US Senators XXXX XXXX  and XXXX XXXX for their help in this issue also.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-06-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JFK FINANCIAL INC. (NV)

Very simple : " JFK Financial '' at XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ( phone number XXXX XXXX XXXX ) was entrusted with my XXXX and XXXX tax returns and additional financial information for the purpose of reviewing mortgage possibilities. Two gentlemen, first names XXXX and XXXX, were given that information by me in the XX/XX/XXXX. I went to inquire in XX/XX/XXXX ( when I was more ready to purchase a home ) as to my information in an effort to understand what I would be approved to get in the way of a loan ; those two are gone ... ... the files are gone ... ... ... ... .JFK personnel told me they " THINK '' THE INFORMATION WAS SHREDDED. 

My complaint is : identity theft is REAL, financial data was entrusted to them and they have, at best, mishandled it. All I ever wanted, asked twice for it through XXXX and from desk secretary the last week in XX/XX/XXXX, was/is : an apology statement from an officer of the firm saying it was shredded and any identity theft issues, should they arise, might be attributed to their negligence. That's all! 

It seems to me that, at a minimum, your office should reprimand and/or fine them for this negligence. As of this writing, I have heard NOTHING from JFK regarding this matter. Their arrogance and incompetence is an issue for you to address. The AG of NV has this complaint and soon the NV Mortgage  Lending Division will as well. I implore you to investigate the mishandling of information and JFK 's failure to acknowledge such and to apologize for same. 

Thank you, XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX cell
Consumer complaint received 2018-06-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (GA)

I sent a letter to have XXXX XXXX XXXX to have them Verify my debt In with my signature of where i signed, payment history, etc. All they sent me was a letter to settle the debt. 
windstream is the original debitor. i want this removed from my credit reports. I did not incur these charges or ever reside at the residence where XXXX was purchased. 

Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$1000.00} High Balance {$1000.00}
Consumer complaint received 2018-09-11
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: BARCLAYS BANK DELAWARE (MD)

Back on XX/XX/2017, a charge in the amount of {$1100.00} was charged by me to my Barclay 's hit my credit card account. I had returned the shoes back to NM and afrer 2 weeks, I reached out to them. They lied they never received shoes even though I used tracking they provided. Upon tracking, I saw they did receive shoes and reached out to Barclays to file claim. every month, I was faxing paperwork Barclays requested back and forth for almost 2 months. They reached out to NM and advised me they needed further info. Proof of tracking which I sent to them in XXXX. I never heard back and called in XXXX and was told they were still investigating. I called in XXXX and was told same. I called in XXXX and rep apologized profusely, appeared my case was forgotten about and deadline was done. No one had reached out to me or sent me a letter. He apologized and advised he would have a supervisor call me in 2 business days. Imagine my hock when Barclays sent me a letter that they are refusing my  claim because I never listed that NM sent me wrong shoes. We had went over this numerous times. I advised the first rep I spoke to of this instance. They forgot to follow up on my case, ran out of time and want me to bear the loss which is a shame.
Consumer complaint received 2018-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In XX/XX/XXXX and XX/XX/XXXX I was dealing with a lot of personal issues. I advised Capital One beforehand for both months and was advised that I would need to ensure that the payments weren't 60 days late for a grace. I ensured that they weren't 60 days late and this still adversely affected me despite being told it wouldn't. I have sent numerous letters and requests to no avail.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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. 

Account Name : XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-06-26
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. (GA)

I recently received a copy of my credit report file and noticed that there were several unauthorized credit inquiries showing in my credit file. I had a fraud alert placed on my credit file that indicates anyone who is trying to run my credit needs to call me and verify that fraud activity isnt occurring. Ive reached out to the credit bureaus on several occasions trying to explain that my rights as a consumer were violated because my credit was pulled without my permission and nothing has been done to correct the issue. Many of the inquires is dating back from XX/XX/2016. Ive been very professional at trying to get the unauthorized inquires removed from my credit file but now Im frustrated because Im being treated as if Im the one whom authorized the inquires.
Consumer complaint received 2018-06-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (TX)

Coinbase has locked me out of my account on their website and I can not seem to get it recovered. Trying to sign in with my username and password pulls up a prompt for a 2 Factor Authentication code texted to an old phone number that I do not have anymore ( I recently changed it and forgot to update it on a few sites online including this one ). The normal process for many websites and 2FA issues is to submit proof of identity, but I am having repeated issues doing this with Coinbase with little effort on their end to help resolve the issue.

After clicking the option that I no longer have the phone number ending in ( my old number ), I am taken to a " coinbase account recovery '' page that asks to upload my state ID and a picture of myself to verify that I am who I say I am and to recover the account. I am not sure what is wrong with their program, but I can not get the system to verify me no matter what I do. I have taken clear photos of my ID multiple times with my new XXXX smartphone, and for the picture of myself have used said phone camera as well as a laptop webcam, but no matter what I try to use their system refuses to accept the valid ID and photo of myself and will not recover my account. 

After this, I tried contacting Coinbase customer support through an online field submitted to them, detailed with this information that I no longer have my 2FA phone number, that I can not sign in to my account, and that their recovery systems are not working and put in a request for another way to verify my identity and recover the account, such as sending a copy of my social security or birth certificate, for example, or having a support agent personally check the ID and " selfie '' online if their automated system is having issues.

I received an email from Coinbase Support within two days after, with what seems to be a canned response. It simply lists the steps to start an account recovery process using the automated method that above I stated is not working, so this was not helpful in recovering my account, as well as a few " tips '' for a successful validation that did not work for me. Furthermore, I was hoping to respond to this email with a further request for something to be done as this did not help me get my account back, but I have no further way to respond to the support ticket filed. The link in the email to follow to view the ticket status and add comments, etc does not work, clicking it simply redirects to the general support FAQ page.

The fact that I can't recover my account in a timely manner isn't even a big deal, what's frustrating is that their recovery systems will not work even though my identity is accurate and true on the ID and photo submitted, and when I inquired on why it wasn't working and how to get my account back if it wasn't working, they simply sent a canned response and won't even give me a method to reply back for a different solution.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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. 

Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-09-11
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. (OH)

I have tried to fix my credit due to fraud and keep having issues with someone trying to use my identity to apply for credit cards. 

I have new inquiries that were not made by me. 

XXXX XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX & XXXX, XXXX. 

Equifax - XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX & XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX, and XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

XXXX XXXX, XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Personal Information Disputes The following items under my personal information are incorrect : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX update my credit file to reflect only verified and accurate personal information. 

Account Disputes I am disputing the following accounts on the grounds of accuracy and verification requirements as per FCRA guidelines : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Account Disputes The following collection account appears to be inaccurate or unverified : - XXXX - Account Number : XXXX Under 15 U.S.C. 1692g, I am requesting full validation of this debt, including original account documentation and verification of its legitimacy. 

Inquiries Disputes I am disputing the following inquiries, as they appear to be unauthorized or inaccurate : - 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 2018-06-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NC)

During the month of XX/XX/XXXX, Wells Fargo transitioned my mortgage account from a Home Equity Loan to a Home Mortgage Loan, during this time, they canceled the lender- placed insurance they had on my property effective ( XX/XX/XXXX ). On XX/XX/XXXX I called Wells Fargo about my insurance payment, I was told there would be no payment for 45 days, so I obtained other insurance for the property. I Received a letter in XX/XX/XXXX, thanking me for providing evidence of hazard insurance coverage on my property, but their records show a lapse in coverage from XX/XX/XXXX to XX/XX/XXXX, an insurance charge of ( {$110.00} ) may be charged to your account for that time period. I received a letter in XX/XX/XXXX stating the ( {$110.00} ) XXXX XXXX XXXX dollars will be divided into two payments, beginning with the XX/XX/XXXX mortgage payment. 

My complaint is, how can they charge me for insurance coverage they didn't provide during that time period because they cancelled the policy without indicating or notifying me of what would happen once the lender changed, or obtaining my consent to proceed. 

During the transition period from Home Equity Loan to Home Mortgage Loan there was an advance balance of ( {$1900.00} ) that the Home Mortgage Loan absorbed, this also was insurance charged, but no coverage. It was retroed back to the first day of no insurance, whether they provided insurance coverage or not.