davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX Balanced {$420000.00} XXXX XXXXXXXX XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX Balanced {$16000.00} XXXX XXXX Balanced {$14000.00} XXXXXXXX XXXX  XXXX Balanced {$0.00} XXXX XXXX XXXX XXXXXXXX Balanced {$450.00}
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XXXX XXXX, I filed for Chapter XXXX Bankruptcy. My bk was XXXX. Upon checking my credit report, I discovered that XXXX is reporting information on my report that is a violation of the FCRA and Bankruptcy Code by listing accounts, on the summary page, that I included in my chapter XXXX bk as " NEGATIVE '' or " LATE PAYMENTS. '' The creditor is supposed to discharge the accounts but they are not supposed to tell the credit bureau that it is a XXXX account. XXXX accounts can NOT be late-ever. 

Section XXXX of the FCRA requires credit bureaus " to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' It is not reasonable to label an account that has been XXXX in a bankruptcy as " bad debt of late '' if the account was open and not XXXX off prior to consumer filing bankruptcy. Such designation is inaccurate, misleading because it would indicate that the creditor had written off the account at the time of bankruptcy when it had not in fact done so. 

NEGATIVE REPORTING ON A XXXX DEBT IS A VIOLATION OF THE PERMANENT INJUNCTION OF MY DISCHARGE. They have interfered with me being approved for credit. They have interfered with me being approved for credit. I feel that I am being punished by the credit bureau and creditor for a difficult decision what was unavoidable.
Consumer complaint received 2020-03-12
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. (FL)

Equifax is reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) There were extenuating circumstances surrounding this account. I had XXXX  XXXX XXXX and was incapacitated. I was able to contact a representative with XXXX and set up a payment plan of {$50.00} per month. I was reassured that no late fees would be reported because a payment plan was in place. I never missed a payment and pursuant to our agreement, no lates would be reported. Unfortunately, they did not keep their word and reported the account late regardless. This false reporting is seriously harming my credit score and these lates need to be removed. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2017-09-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (CA)

Virtual Currency ( BTC ) was sold for US Dollars ( USD ) using XXXX/Coinbase. Two separate bank wires for {$10000.00} ( USD ) each were requested ( 1. XX/XX/XXXX at XXXX PDT Reference #  XXXX 2. XX/XX/XXXX at XXXX PDT Reference # XXXX ) from XXXX/Coinbase to XXXX XXXX XXXX . Wires were supposed to arrive within 1 business day. Wires have still yet to arrive. Contacted Coinbase and submitted a ticket on XX/XX/XXXX ( XXXX # : XXXX ). Received no response until I again emailed them regarding the ticket on XX/XX/XXXX. Received Response on XX/XX/XXXX saying everything should be resolved now. Neither the wires have been received nor has my XXXX/Coinbase account been refunded. Problem is still not resolved. Tried to contact XXXX/Coinbase again on XX/XX/XXXX. Have received no response.
Consumer complaint received 2017-09-12
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: P.M.B. Inc. dba Twin Tier Mortgage (WI)

In reviewing my credit report, I found XXXX credit inquiries from companies I 'd never heard of in states that I do n't live. I 'd like these removed, and I 'm wondering why the companies were given my information in the first place. I 've called all of the companies and been told variously to either write a letter or that they could n't help me. Why did XXXX happen within XXXX days of each other this XXXX? I do n't own a house ; why are XXXX mortgage companies looking at my information? What is XXXX? Is that the same marketing group hired by both mortgage companies? If they 're only licensed in MA and NY, why would my information even be useful to them? 

On XXXX/XXXX/XXXX, XXXX XXXX XXXX listed at XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX inquired after my credit. 

After googling, their name is XXXX XXXX XXXX. 

On XXXX/XXXX/XXXX, XXXX XXXX listed at XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX inquired after my credit. 

On XXXX/XXXX/XXXX, XXXX XXXX XXXX listed at XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX inquired after my credit. 

On XXXX/XXXX/XXXX, XXXX XXXX listed at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX inquired after my credit. 

And on XXXX/XXXX/XXXX, XXXX XXXX XXXX listed at XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX inquired after my credit.
Consumer complaint received 2024-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX BANK XXXX XXXX Balance : {$710.00} XXXX CREDIT XXXX Balance : {$0.00}
Consumer complaint received 2017-09-12
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. (AL)

Contacted Equifax regarding fraudulent inquiries that were placed on my credit report. Spoke to a representative about the removal of the inquiries but was told it was nothing they could do. I was told to contact the creditor. However, the creditor informed me to contact Equifax. Equifax later reported that they verified the inquiries as mines. Which is not true. Equifax has been dishonesty and not properly verifying information. 

The inquiries that were not authorized by me is : XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX inquiries ) XXXX XXXX /For, XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Consumer complaint received 2017-09-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I filed a complaint XXXX some time around late XXXX or early XXXX against Wells Fargo Home Mortgage. This is in regards to my home that is in foreclosure. I have in good faith attempted to contact Wells Fargo bank in order to save my home. Wells Fargo has been deceptive in regards to my previous complaint as well as the whole modification process. So during the time that they are supposed to be working on a solution for me and my family to save my home Wells Fargo had a foreclosure sale date of XXXX XXXX, XXXX. I was never informed and never received anything in writing. In late XXXX I followed up with the lender as I had not heard from them and I was extremely concerned because I want to save my home. I was horrified to learn Wells Fargo had a sale date. I requested any and all information pertaining to my property. Wells Fargo faxed a copy of the trustee sale in a foreign language. It 's my opinion that Wells Fargo has never had any intention on helping us save our home. They have have not offered any solutions that many banks offer homeowners to save their homes.
Consumer complaint received 2017-09-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (WA)

GE Capital Retail Bank approved a fraud online application for one of their Dentist office and it was approved online. 
GE/CRB set me up with an account ending in XXXX. 
They charged my bank account for porcelain teeth for two people. 
After contacting them, GE sent me a letter stating I had been frauded. 
Since then I have continued to get the run around by phone to get my money back. 
The GE fraud & customer service keeps sending me back to each other. 
They are asking me questions I do n't know.
Consumer complaint received 2017-09-12
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. (CA)

The company Equifax has collected sensitive and unchangeable information about me such as : SSN, credit card numbers, ID, bank account numbers. 
I have never authorized Equifax to collect my personal information. 
Furthermore, Equifax divulged my information without consent through negligence in safety measures on their databases. 
The information lost can not be changed, is permanent and sufficient to steal my identity. It is a permanent damage. 
To add insult to the damage, the company offers paid monitoring to " control '' the permanent damage they caused.
Consumer complaint received 2017-09-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (CT)

LVNV Funding LLC is currently reporting a adverse account to the XXXX credit bureaus. At the time of their collection efforts this agency is in violation of Florida state licensing statutes. XXXX XXXX XXXX XXXX states " XXXX registration. 
( XXXX ) Any registration made under this part by any person or commercial collection agency based upon the presentation by such person or collection agency of false identification or information, or identification not current with respect to name, address, and business location, or any other fact material to such registration shall be void. '' The address this agency on my credit report does not match the information listed on this agency 's license. As such, their license is void, and they are illegally attempting to collect a debt.
Consumer complaint received 2017-09-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Credit Service, Inc. (CA)

Today, XXXX XXXX, XXXX, I received a call from Asset Recovery Associates XXXX XXXX XXXX stating that a credit card from XXXX XXXX with the last numbers XXXX has a past amount due - at the time, XXXX XXXX, XXXX, was {$4900.00}. They said they sent letters - which I did n't receive- and called me and left messages, which I did n't receive. Then they gave me a case number : XXXX, a phone number XXXX XXXX XXXX XXXX ext XXXX, XXXX XXXX. she told me my social security number, which credit cards I have/use, my address, my old address, my name prior to divorce, and the names of credit report organizations to call or write to about my credit. They they gave me XXXX options to pay off the debt : XXXX XXXX pay full balance or XXXX ) settle out of court with my bank. They said I could make a down payment with my XXXX XXXX credit card ( which I did XXXX for {$500.00}. and that I would receive paperwork tomorrow in overnight delivery and then go to my bank and make payment arrangement with XXXX XXXX. This balance was less because they gave me an out of court settlement {$3800.00} with {$500.00} less.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Good Day, XXXX XXXX, XXXX I requested that Transunion XXXX XXXX items from credit report. 
The items are for the same amount from the same company from same date. 
XXXX XXXX {$730.00} XXXX/XXXX/XXXX according to report ITEMS APPEAR TWICE!!! 

XXXX XXXX {$730.00} appeared on my credit report for no reason. I have never heard of them and have never recieved any notice from them and I have requested all from them. 
Transunion is aware of this and still will not remove. I am aware of companies doing this type of things due to the fact I was in a horrific car accident when a drunk driver nearly killed me in XXXX, medical bills were placed on my credit reports. In XXXX I was granted a very large settlement and all the medical bills where paid by insurance and removed from credit reports. I assume this a company that looks for people in this postion and hopes they will pay, I WIILL NOT PAY!! Please advise as quickly as possible. 
I have documention of all of the above should you require it.
Consumer complaint received 2017-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

After the XXXX hack, I tried to use the Annual Credit Report service online ( XXXX XXXX XXXX ) to view my credit reports. Only XXXX was able to provide this information. Both TransUnion and XXXX were unable to complete the request online. I was able to use the phone service ( XXXX ) for Annual Credit Report to request credit reports from TransUnion and XXXX, but given the current activity and service unavailability, I 'm not going to hold my breath. 

Then I tried to freeze my Credit Reports. 

I was able to do it with TransUnion ( and paid {$10.00} for it ) by phone, at XXXX. 

XXXX was unable to furnish me any services at all - phone- and web-based services were both down or unavailable - generally after taking my information and validating everything. Phone : XXXX. Online : XXXX XXXX XXXX I moved on to place a 90 day Initial Alert via XXXX XXXX XXXX service at : XXXX XXXX XXXX using my personal information. I HOPE that this will propagate to the other 2 bureaus, but I do not hold out a lot of hope that this will actually happen.
Consumer complaint received 2017-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (AZ)

Signed up for the American Express Premier Rewards Gold card, last year around XXXX timeframe under the bonus offer of : Spend XXXX in the first 3 months and receive 45k points and also spend XXXX the next year ( from XXXX XXXX, XXXX to XXXX XXXX, XXXX XXXX and receive 2k additional points. 
I have spent the required {$2000.00} and still have not received the points even after contacting customer server 3 seperate times. The last lady I talked to said that marketing made a mistake with the dates. 
I have original screenshots of the original offer when first applying and also amex sent me an email reminder about the 25k points as well. 
I will attach to this submission.
Consumer complaint received 2017-09-12
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. (GA)

I check my credit profile regularly on XXXX XXXX. I noticed a XXXX XXXX credit card as well as a XXXX XXXX XXXX XXXX XXXX card opened on my account in the fall of XXXX. I called both companies immediately and informed them about the fraudulent activity. I also opened an investigation with the FTC at XXXX and had several XXXX holds placed on my credit profile. I received letters from both XXXX and XXXX XXXX that the accounts had been closed due to suspicious activity, however both both accounts still show as " hard inquiries '' under my credit profile. The XXXX card shows as a hard inquiry under my XXXX profile and the XXXX XXXX card shows as a hard inquiry under my Equifax profile. As an aside, Equifax shows another hard inquiry from " XXXX XXXX '' that I do n't recognize ... perhaps related to XXXX. The credit companies appear to have done their part, however the credit reporting agencies do n't appear to have any interest in rectifying the situation.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (PA)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Consumer complaint received 2017-09-12
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: Experian Information Solutions Inc. (GA)

I notified Experian by faxing them a copy of some inquires that is on my credit report that I asked them to dispute and they only sent me a letter stating the reason the inquires are listed on my credit report. I tried to contract Experian numerous of times only to be told that my account is handled by a special agent department that I can never get ahold of anyone due to long hold time then by the time I do get a hold of someone I 'm told that they can not dispute inquiries. 


XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXs XX/XX/XXXX XXXX XX/XX/XXXXThese are in inquries are needed to be disputed and deleted off of my credit report and I need Experian to assist this matter.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

this Account Number XXXX Account Type Installment LoanTerms67Months Date Opened XX/XX/XXXX this account was piad and was never lateXX/XX/XXXX please removed this late
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

Equifax data breach, I was alerted that my information may have been impacted. I am still in the process of tracking down the severity and taking precautions so the breach does not escalate. 

( see attached )
Consumer complaint received 2023-03-14
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: Experian Information Solutions Inc. (FL)

I have tried several times to get the fraudulent accounts opened in my name without my consent off my report. Experian and XXXX are knowingly reporting inaccurate fraudulent information to my report which violated the FCRA. 

XXXX XXXX Acct # XXXX for {$880.00} reported XX/XX/XXXX stating it was opened XX/XX/XXXX and XXXXXXXX XXXX XXXX Account # XXXX *** for {$370.00} reported XX/XX/XXXX stating it was opened XXXX for the same duplicate account and I have had boost mobile for the last 2 decades and why are they allowed to lie and report inaccurate information. So please ask where this account was set up and what proof of identity was given. I have filed and FTC identity report and I have reason to believe this was identity theft. 

I think that is the case with the XXXX XXXX Account # XXXX for {$270.00}.