davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Sold our house, relocating for job from XXXX to XXXX and applying for rentals. One rental utilizes TransUnion 's service. I had my identity stolen and have whatever service the 3 credit bureau 's put on your account. I was asked to confirm my identity, but failed online and over the phone with TransUnion. Waited on hold over 6hrs for ID verification. Was put in touch with someone who spoke broken XXXX, asked to speak to someone who spoke fluent XXXX, only to get put back into original cue at start. They stated to go to annualcreditreport.com to get free credit report. I was able to get ID verified and reports for XXXX and XXXX, but again kicked out by TransUnion. For help TransUnion sends you to a XXXX page that is littered with similar issues and a rating of 1.4. How is it that a company like this is allowed to be in control of such sensitive, critical and important information that holds our financial lives at stake. I move in less than 2 weeks, have no place to live and I'm sure this won't be settled in a timeframe that will help. I have no idea what to do at this point Please help.
Consumer complaint received 2019-05-02
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Emergent Business Group, Inc. (NM)

On XX/XX/XXXX at XXXX MST I received a call from an employee of Emergent Services. He identified himself and his organization and indicated that I had been sent a letter last XXXX. He refused to disclose the subject of the letter or the nature of his organization. When I asked, " Is this an attempt to collect a debt? '' he became quite aggressive, saying things like " If you don't want to work with us ... '', notwithstanding the fact that he made no substantive response to my questions " Who are you and what do you want? '' " What was the letter about? '' " Is this an attempt to collect a debt? '' ( I asked that twice, and he hung up on me when I asked it the second time. ) It is my understanding that debt collectors are required to identify themselves as such and to disclose that communications that they initiate are attempts to collect a debt. In the present case, neither requirement was satisfied. 

I believe that this matter related to an auto loan for a new XXXX XXXX for which I cosigned several years ago. The borrower was XXXX XXXX aka XXXX XXXX aka XXXX XXXX, a predator who defrauded me of several XXXX XXXX dollars and who is subject to an Order of Protection issued on XXXX XX/XX/XXXX by a judge of the 13th District Court ( XXXX County ) of New Mexico. She made no payments despite assuring me that I would make none. She ran the car into the ground in a year, such that on repossession it fetched {$850.00} at auction. The original lender was XXXX XXXX.
Consumer complaint received 2019-05-03
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: EQUIFAX, INC. (FL)

AFTER REVIEWING MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS WHICH I WAS UNAWARE OF. THOSE ACCOUNTS DOES NOT BELONG TO ME AND I WOULD LIKE A RE-INVESTIGATION INTO THOSE DEROGATORY ACCOUNTS,
Consumer complaint received 2019-05-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

XX/XX/XXXX, I was called by a fifth third bank agent letting me know I was overdue on my truck payment. I was busy at work and instructed them I would go online and submit payment asap. A couple days later I believe XX/XX/XXXX, I went to submit payment online, but they locked me out of my account. I called a fifth third representative and they informed me they could set up automated payments so I agreed and he instructed me that it was all setup and that I no longer had to worry about logging into my account online to submit payments. 

XX/XX/XXXX, my car got repossessed. I called the bank and they informed me that payments were not being made on the account. I questioned how that was possible and they informed me auto bill pay was never set up completely. I told her that I spoke with someone in XX/XX/XXXX to setup auto pay and she looked into their call logs and said it never happened. There was a record of me calling but nowhere in the notes did it talk about auto pay. Baffled that they had been receiving payments for months, but all of a sudden they stopped working, I then questioned why I never received a call, like the last time I missed a payment. She told me that they had called a phone number which was not mine, and never was my phone number. The person they called told them I no longer had that phone number, which I never did in the first place. I don't understand how they got that number to begin with when all of my information was submitted through the car dealership, but I guess they simply had more trust in a straangers word over the phone than to actually try to contact me. She also informed me letters were sent to my mailing address, which I never received. 

There has been a giant miscommunication and everytime I speak to them they read off a script and are unwilling to listen to me, saying that it was a lawful repossession that they have all the record they need, even though they weren't processing the fact that they misentered my contact information into their system. Having made no progress trying to speak to the bank over the phone, I reluctantly paid the repossession fee, in addition to the money owed on my account, just to simply get my vehicle back. The bank is unwilling to listen or communicate with me in a manner that accomplishes something for both of us. 

Fifth third bank told me auto payments were setup, which apparently was not done properly. They told me they went through the process of mailing me letters and trying to call, which they did not do. They had my information entered into their system and as a result of all of their errors they deemed my car repossesible.
Consumer complaint received 2019-05-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Added a recipient " XXXX XXXX '' to my online banking around 2 years ago, but paid another way. On XX/XX/2019, went to online banking and saw the account was " verified '' sent a transfer of {$360.00} to " XXXX XXXX ''. Recipient stated that she never received the money. within 2 hours i called Bank of america, they stated that they can put in a claim and try to get the money back but will take 90 days. they later sent a notice saying that they could not get my money back, even though it was a bank of america account, i would have to contact the account holder directly, but would not provide me with the account number that it was sent to, or the account holder name. however the account name i entered does not match the one of the account number, even though th online service claims that account with name i provided is " verified ''.
Consumer complaint received 2019-05-03
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. (KY)

I have been trying to get 5 fraudulent accoutns removed from my credit report for years. I have sent letters with no response. Sent police reports and FTC reports. Called, etc. I spoke with a rep today and filed a fraud dispute AGAIN via report number XXXX on the following accounts XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX are reporting the same account The rep advised me the reason I have not received results is because they didn't receive reports I have even uploaded numerous times through this forum. He advised me to file another FTC complaint with Identitytheft.gov which I have and submit it via www.experian.com/upload but that site will not allow me to upload so I will upload via here and pray you send it to them and they actually read it this time. I also mailed it to them via mail also. 

My last police report was from XXXX of this year and I submitted that also
Consumer complaint received 2021-11-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

On XXXX, I transferred SHIBA from my Coinbase Wallet to my Coinbase SHIB Wallet account, I paid the required fees as mentioned but still have not received my money in the SHIB Wallet of my Coinbase account, Have tried to send emails, call Coinbase, send all the pics and images but there has been no response and Coinbase in obstructing and holding my SHIB fund money without any update or response. If you can please help me recover my XXXX $ plus XXXX $ from Coinbase Wallet, this is the amount as of XXXX at XXXX, would really appreciate your help and prompt resolution Thank you Sincerely XXXX XXXX XXXX XXXX XXXX @ XXXX
Consumer complaint received 2019-05-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

error transunion failed to report the right usage when I applied for a loan so of course that made my score off transunion is not reporting correct date that was set at the beginning of this year costing us the consumer loan deny and higher rates CFPb you guys have been the best since slice bread can I please get my credit corrected
Consumer complaint received 2019-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I'm disputing the following accounts on the fact that they do not belong to me, maybe it's a mistake on the credit reporting agencies part, or it's due to fraud since my identity has been compromised months and months ago. The following accounts I'm demanding to be blocked from my credit report are, # 1 XXXX XXXX {$3300.00}, # 2 XXXX XXXX {$18000.00}
Consumer complaint received 2019-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CT)

I have contacted JP Morgan Chase as well as XXXX Credit Reporting about a Chase Credit Card that I closed in XXXX of 2018. For some reason, on XXXX ONLY ( out of all 3 credit bureaus ) XXXX is reporting that I have 3 Chase Credit Card Accounts. TWO OF THOSE  supposed " credit card accounts '' have the EXACT SAME ACCOUNT NUMBERS. One of those accounts, shows that the balance is paid in full and closed. The SECOND CREDIT CARD ACCOUNT, AGAIN WITH THE SAME EXACT CREDIT CARD NUMBER IS SHOWING AND CONTINUES TO SHOW THAT I HAVE AN OUTSTANDING BALANCE OF {$6800.00}. WHICH IS A TOTALLY FALSE STATEMENT. 

Despite my making disputes with both CHASE and XXXX, as of TODAY, this still shows as an open debt of {$6800.00}. and it is showing that I am continuing to use 159 % of the available credit to me. HOW DOES THIS CONTINUE TO GO ON? IT HAS BEEN 6 MONTHS OF XXXX. I CAN NOT REFINANCE MY MORTGAGE. I AM FULLY PREPARED TO SUE BOTH CHASE BANK AND XXXX  IF NECESSARY.
Consumer complaint received 2019-05-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (GA)

On 8 different occasions I called Nelnet asking them to remove the 120 days they claimed I was late or defaulted on my student loans. To this day, even after consolidating with another lender many of my student loan accounts through Nelnet show up as 120 days late, even though I was never late as I was in deferment for all of my student loans. on two separate occasions I spoke with a rep named XXXX, who assured me that this was infact an error on their part because my other student loan accounts also serviced by Nelnet at the time were in deferment as well obviously but never have shown defaulted because it simply did not occur, I was in SCHOOL THE WHOLE ENTIRE TIME THEY CLAIMED I WAS LATE! IT DIDNT EVEN COME TO THE 6 MONTH AFTER GRADUATING GRACE PERIOD YOU GET OVER THE DEFERMENT ONCE OUT OF SCHOOL AND I WAS STILL IN SCHOOL. I always kept up with the deferment rules and procedures. This was a fault of the company 's negligence, not me defaulting on any loan was already admitted and promised to be rectified by 2 of reps I spoke with when discovering a 30 day then 60 day late mark on my credit report. I began tracking it because it only showed on 7 of my student loans with Nelnet, none of my others also serviced by Nelnet. Over the years I kept calling the company and disputing it with all the bureaus but 5 years later even after graduating and consolidating and erolling in a IDR plan for paying off the student debt, and i'm still haunted by FALSE INFORMATION SHOWING 120 days ... every time i pull my report. Not to mention the anxiety i feel everytime I see the balances of those same 7 accounts climbing drastically because of all the interest rate charges and other fees that has put me into a deeper downwards spiral and crushing me under the weight from all the stress time effort and anxiety this 5 year long battle has added. All of that and nothing has been fixed nor changed and every dispute filed has been met with no change, The false information has even spread as the increased balance has not only traveled along on my credit for 5 years and counting, it has also transferred over into the new consolidated loan with the new company who I am in repayments with. Plus a couple of the accounts still show as open accounts before I bombarded him with disputes. This is not fair and needs to be fixed. It has destroyed me!!!
Consumer complaint received 2019-05-03
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. (CA)

I am a victim of ID Theft since XXXX I have been victimized several ( 3 ) times throughout the years. My most recent was in XXXX for credit cards and banking transactions, XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX, Companies XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Don't know of them or open accounts ) I have reported and contacted the Bureau by letters and made several attempts to request a further investigation on wrongfully reported, collections, credit cards and defaults on my credit report. I have asked to remove and to provide me with the proper documents to verify the activities of the accounts. I am not accountable for those accounts and need them remove and correct the reporting, also I have asked to remove all the Names on my report that is every single name in my credit report along with the 28 addresses that I have never live in. I have been at my current address for 15 years which is I have creditors, banks, collection agencies. I have done all my due diligence in taken action towards recovery my credit and ensuring that all agencies due there responsibility, and from the way things have gone, It has been the most horrible and stressful task that requires time, and patients and I mean from contacting the FTC, State police, to DMV changing my ID #, to social security for wrong income reporting. Social Security says they can not do anything about it changing my number unless I'm a victim of domestic violence, that's insane! I have been dealing with ID theft for 19 years and it simply does not get any easier, this has caused me hardship, mental stress, and not be able to homeownership, As a consumer and a citizen there has to be more measures for actions and for the reporting companies to make sure when information negative information or any to also have an attached file in ID the individuals that are responsible for opening the accounts, because when the consumer is aware and takes necessary measures to correct the fraud. Reporting agencies make it so hard for us to remove the wrong full actions when if they had a better system I wouldn't have to be going through this fraud. I am so tired off it all and I need help!!!!!!!
Consumer complaint received 2019-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of ID Theft since XX/XX/XXXX I have been victimized several ( 3 ) times throughout the years. My most recent was in XX/XX/XXXX-XX/XX/XXXX for credit cards and banking transactions, XXXX XXXX, XXXX, XXXX XXXX   and XXXX  XXXX XXXX, Companies XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Don't know of them or open accounts ) I have reported and contacted the Bureau by letters and made several attempts to request a further investigation on wrongfully reported, collections, credit cards and defaults on my credit report. I have asked to remove and to provide me with the proper documents to verify the activities of the accounts. I am not accountable for those accounts and need them remove and correct the reporting, also I have asked to remove all the Names on my report that is every single name in my credit report along with the 28 addresses that I have never live in. I have been at my current address for 15 years which is I have creditors, banks, collection agencies. I have done all my due diligence in taken action towards recovery my credit and ensuring that all agencies due there responsibility, and from the way things have gone, It has been the most horrible and stressful task that requires time, and patients and I mean from contacting the FTC, State police, to DMV changing my ID #, to social security for wrong income reporting. Social Security says they can not do anything about it changing my number unless I'm a victim of domestic violence, that's insane! I have been dealing with ID theft for 19 years and it simply does not get any easier, this has caused me hardship, XXXX XXXX, and not be able to homeownership, As a consumer and a citizen there has to be more measures for actions and for the reporting companies to make sure when information negative information or any to also have an attached file in ID the individuals that are responsible for opening the accounts, because when the consumer is aware and takes necessary measures to correct the fraud. Reporting agencies make it so hard for us to remove the wrong full actions when if they had a better system I wouldn't have to be going through this fraud. I am so tired off it all and I need help!!!!!!!
Consumer complaint received 2019-05-03
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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (IL)

yes, I have been a customer of Synchrony bank for 12 years in business with them, I have current credit cards, that I continue to pay and do not have any delinquent accounts with them. I recently received a letter yesterday as of XX/XX/2019 in the mail from them stating my account with XXXX was closed because I no longer use it? recently they have lower all my credit balances on all other cards as well.in the letter, it says there's a number of accounts with delinquencies? this information is untrue and has found this company not only to jeopardize my credit score. I do not have any delinquencies with this company. I continue to make my payments on time with Synchrony bank.
Consumer complaint received 2019-05-03
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. (AZ)

ON XX/XX/2018 XXXX XXXX PULLED MY CREDIT REPORT FROM EXPERIAN. I CONTACED XXXX XXXXAND I SPOKED TO BRANCH MANAGER XXXX XXXX PHONE XXXX-XXXX-XXXX AND HIS TEAM REQUESTED FROM EXPERIAN TO REMOVED THE INQUIRY FROM MY REPORT AT THE TIME ICONTACT EXPERIAN AND SPOKED TO A SUPERVISOR HIS NAME IS XXXX NO IDEA # GIVEN BY NO LAST NAME BESIED HE REFUSED TO GIVE ME ANY INFORMATION AND HE WAS ROUDE. 
THANK YOU, XXXX XXXX XXXX-XXXX-XXXX
Consumer complaint received 2021-11-12
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. (CO)

Hello, this is XXXX XXXX I want to submit this complaint because I have sent three rounds of dispute letters to XXXX. One for the illegal collection fees on the account. And two asking for the original contracts of the supposed account. Three, asking for method of verification. After all this accounts remain with no method of verification and illegaly reinsertion of collection agency once already removed from credit report.
Consumer complaint received 2021-11-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit by CAPITAL ONE FINANCIAL CORP d/b/a CAPITAL ONE. I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act, by CAPITAL ONE FINANCIAL CORP d/b/a CAPITAL ONE on XX/XX/2021 via e-mail. 
According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by CAPITAL ONE FINANCIAL CORP d/b/a CAPITAL ONE adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( li ) are up to { {$5000.00} }. CAPITAL ONE FINANCIAL CORP d/b/a CAPITAL ONE is now civilly liable to pay me for the damages.
Consumer complaint received 2023-06-11
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. (OH)

I reviewed my Consumer Reports and noticed that I had two to four late payments on an account that I was never late for. ( The late payments are different for each Credit Bureau ). I screenshot the attached payments from XXXX XXXX website. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

I have never been late on payments for the account : XXXX XXXX : ending in XXXX. 

Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 

Thanks, XXXX XXXX