davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-15
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. (FL)

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-15
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. (NC)

This is my 6th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I did not initiate or authorize any of the following companies to run my credit resulting in the hard inquiries below. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX VIA DEALER Inquiry : XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2023-06-15
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-15
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. (NY)

In accordance the Fair Credit Reporting Act ( XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # 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 2018-01-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

On the XX/XX/XXXX. I 've made a deposit over 1000via SEPA to Coinbase 's bank. It stated that my money will be available after 3 business days, but even today I have n't received my money. 

I 've contacted the support multiple times, but never got a really helpful reply. Except " wait for a specialist ''. After browsing through multiple communities online, I 've seen that there are many more, having the same issues.
Consumer complaint received 2023-06-15
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: RFNA, LP (TX)

In accordance with the fair credit reporting act, this creditor, Republic Finance, has violated my rights under section 15 USC 1681 Section 602, I have the right to privacy. 15 USC 1681 Section 604A section 2 also state a consumer reporting agency can not furnish an account without my written instructions. 15 USC Section 1666B states a creditor may not treat a payment under an open consumer account as late for any purpose.
Consumer complaint received 2023-06-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Credimatico LLC (TX)

Crediterium claims that I have a loan thats approved. However I can not get into review the contract. I am unaware if this is true or a way to attack my XXXX XXXX XXXX plus XXXX  or not. If it was a real offer I could easily open it to make an educated decision. I will be reporting all the companies who are not loan brokers that send the same information to the same people, which is intentionally forcing people into extreme high interest rates on purpose. This is not only to drive your credit report down but also destroy your XXXX score to ensure higher interest rates which the federal government refuses to regulate.
Consumer complaint received 2023-06-15
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. (LA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-06-15
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. (MD)

I received a letter from XXXX XXXX XXXX in XXXX of XXXX, stating that there was an amount owed to XXXX XXXX XXXX XXXX. When we canceled our car insurance with XXXX XXXX In XX/XX/XXXX we were unaware of any unpaid balance. We did not receive any letters for a bill for an unpaid balance from XXXX XXXX, Nor did we receive collection attempts from XXXX XXXX. When I received the letter from XXXX XXXX XXXX I called their toll-free number, And explain to them that we were unaware of any unpaid balance due to XXXX XXXX and that I would have to contact them to get the details. Once I contacted XXXX XXXX I was explained that we were built in arrears, And that when we canceled the car insurance policy there was still a balance to be paid. I then called XXXX XXXX XXXX and settled the unpaid balance immediately, with the agreement and understanding that XXXX XXXX XXXX would not report any delinquent or due balance to any of the credit reporting agencies. 

In XXXX of XXXX, I noticed that XXXX XXXX XXXX had reported to Equifax, XXXX, and XXXX, a collections account that had a {$0.00} balance I used Equifax, XXXX, and XXXX 's Dispute process, To dispute the account information. XXXX has since removed the account from the credit report. 
However it still remains on the Equifax and XXXX credit report.
Consumer complaint received 2023-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (AR)

Citizens bought our loan in XXXX. I have paid all of our payments on time or early. I was paying {$500.00} biweekly. 

In XXXX of XXXX this became an issue with Citizens even though I was about {$3000.00} ahead on our payments. They stated, among other things that we could not pay ahead and that we owed money due to placing an escrow on our account- even though we submitted documents that we did not owe any money as we were paying our taxes and insurance ourselves. 

In XX/XX/XXXX, Citizens started returning our checks- I sent them back to them with a letter stating they were to be applied to our account and that the situation needed to be resolved. 

In XX/XX/XXXX, Citizens stopped allowing our bank to send payments to them ( they were automatic ). 

In XX/XX/XXXX, I had to send Citizens attorneys {$11000.00} to prevent my home from being sold/foreclosed on. 

I felt this would create a fresh start, but in XXXX of XXXX we started getting the same letters. This time I have kept very specific records of my conversations with them. I have stopped paying ahead on our mortgage to prevent issues, but once again, there are issues. 

In XXXX of XXXX, I was notified that Citizens had sold our loan to XXXX. They are now pursuing collections on us due to the file submitted to them. 

We are about to loose our home, our credit is destroyed, and my husband may loose a job opportunity due to our credit ( due solely to Citizens ). 

We want our account corrected and our credit restored.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (CA)

XXXX XXXX XXXXXXXX XXXX is reporting me again now 120 days late and Im not. I am on a hardship program and the payments are ACH out my bank account every month on the XXXX. They keep reporting me late and its damaging my credit along with XXXX XXXX! 
My CREDIT IS RUIN BECAUSE OF THESE TWO BANKS!
Consumer complaint received 2023-06-15
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-15
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: GOLDMAN SACHS BANK USA (GA)

I filed a dispute with Goldman Sachs XXXX Apple Card ) regarding a charge on my credit card for {$97.00}. I enrolled in a subscription with XXXX XXXX in XXXX of 2023 and paid a promo fee of {$24.00} the promo was for 2 months. I also chose a dietary plan that does not include pork. The merchant charged me {$97.00} before the promo was over and they sent XXXX meals that included pork. I contacted the XXXX on XX/XX/2023 and cancelled my subscription. I also contacted Goldman Sachs to file a dispute. The initial dispute was denied stating the XXXX followed the XXXX & XXXX. I contacted Apple and explained to them that they did not file the dispute correctly they never asked the XXXX to respond to charging outside of promotion and that they sent me the wrong items. Apple agreed with my response and filed a second dispute. However now they have come back tome asking yet again for more information that I have provided them 3 times. I am filing a complaint regarding the manner in which my dispute was handled as Customer.
Consumer complaint received 2023-06-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

To begin, I am a XXXX XXXX living between my homes in XXXX and XXXX XXXX 
I do not have any USA green card, USA social security number or any other USA residency therefore my frequent visits to USA are strictly as a tourist and are limited to the time frames set by USA law. 
I am now XXXX 
I had an account which my company set up for me at XXXX XXXX XXXX  XXXX, Oregon, more than 40 years ago. This was setup primarily to receive my monthly salary. 
This then became Wells Fargo ( WF ) when WF purchased XXXX XXXX, also many years ago. 
I had 2 accounts at WF, a savings ( larger ) account and a checking ( smaller ) account. 
Over the past 6-9 months I received emails from WF advising that unless I could provide a USA address I would need to close the accounts. The total funds are substantial, all fully legal, tax paid salary etc. and saved up over more than 40 years with the same employer. 
I went to WF online some time ago and informed the USA address and linked that address to ALL accounts ( checking, savings, credit and debit cards ). The accounts have 3 names, mine, XXXX XXXX XXXX XXXX - full access ) and XXXX XXXX XXXX XXXX - person to be notified in case of my death ). 
Then last week a received an email that the checking account had been closed by the bank, no reason given. I checked online and sure enough, the account which had previously held close to XXXX XXXX was now closed with XXXX balance. There is also a note on the statement saying 'Account Closure - U.S. Residency Requirement not met '. There was no indication at all as to the XXXX XXXX  which was previously help in the account. 
I checked further and found that all 3 names and the USA address are clearly listed on bank statements for both accounts for many months so I have no idea why the account was closed. The larger savings account appears to be still active. 
Then yesterday a cashiers cheque arrived at my USA address in the amount which was previously held in the checking account which has been closed. 
So in reality the bank sent me a cheque to an address which they say they closed due to no USA address. 
This clearly makes no sense. 
I have only a single contact email address at the nearest WF branch to my USA address and have sent 2 emails requesting an explanation. I put a tracker on the emails so I know they were received. No response at all, totally ignored. 
I have various screen shots of all this and these are all available on request. 
Thanking you in advance, XXXX XXXX.
Consumer complaint received 2023-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (VA)

XX/XX/2023- received a letter from XXXX XXXX but was away XX/XX/2023 - Read letter from XXXX XXXX and determined that Dovenmuehle Mortgage had not payed my taxes for the second half of the year. Checked all the materials on the online portal and understood that they had not been paid and the due date was XX/XX/2023 before they would assess late fines. 
XX/XX/2023 - Sent an email to the tax department of Dovenmuehle notifying them of the missing payment that was to be paid out of escrow and included a picture of the bill received from the city of XXXX XX/XX/2023 - Called Dovenmuehle as soon as they opened and discussed the issue with 'XXXX  ' from the tax division. XXXX stated that they already knew about the bill and would pay it by the XXXX. When I asked if there was anyone I could speak with to ensure it got paid by the due date, I was told that I could only send an email like I had done but they knew the due date and it would get paid. 
XX/XX/2023 - the property taxes were not paid out of my escrow account and I am now delinquent on my taxes with the city of XXXX due to Dovenmuehle 's negligence with my money.
Consumer complaint received 2023-06-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (NH)

Common wealth financial reported past due medical bill debt to the credit bureaus without contacting me about this debt first. I did not receive any calls, nothing in the mail, no email. I was not aware of this debt, I would have paid it off or set up a payment plan. This debt can not be considered past due when I wasnt even notified about it. Once I saw the debt on my credit report, I XXXX the company name and contacted them. They sent me the letter to my email that I have attached.
Consumer complaint received 2023-06-15
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. (MI)

I have found incorrect information and a fraudulent account furnished by a credit reporting agency. I have called/emailed and mailed out information to all credit reporting agencies with the correct information for update. After waiting months for them to update my information, it appears no update has been made. This is in violation of my rights as a consumer and therefore mark grounds for deletion. All information reported must be accurate according to the FCRA. 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. States a consumer reporting agency can not furnish any account without my written instructions. This has caused great damage to my credit report and needs immediate attention. XXXX XXXX XXXX XXXX is the fraudulent account that needs attention please.
Consumer complaint received 2023-06-15
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. (TX)

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-15
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. (FL)

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. 

XXXX. XXXX XXXX  account # XXXX XXXX. XXXX XXXX account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX account # XXXX Have violated my right! 

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.