davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-02
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. (OH)

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete these unknown accounts This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute. I am requesting the original contract con to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified account : XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX
Consumer complaint received 2017-08-01
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. (FL)

In XXXX I cosigned a private XXXX XXXX Loan for my wife. In XX/XX/XXXX, we had financial hardship and the loan went into default. The last payment on this loan was in XX/XX/XXXX. XXXX XXXX NEVER reported to the credit bureau the loan going into default in XX/XX/XXXX In XXXX, XXXX XXXX sold the loan to XXXX who took it over and reported the loan being in default in XXXX, which is not accurate, and therefor it re-ages the loan by 2 years which is also illegal. I have made multiple disputes on my credit report about this issue and it has not been fixed. I have also contacted XXXX directly and they refused to update the information correctly on my report. XXXX told me my last payment was in XXXX so requested proof from them of the last payment on the account and they could not provide it. I have bank statements attached that prove when my last payment on that loan was in XXXX of XXXX and no further payments were made after that point
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NE)

Under the new law effective XXXX XXXX, 2017 ; any public record data must include name and address as well as SSN or DOB in order for it to appear on your Credit File. The Credit Bureau has not updated the information and per the new law the Bankruptcy listed DOES NOT include this information and should be deleted from all XXXX of my Credit Reports.
Consumer complaint received 2021-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2017-07-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

I am unable to timely withdraw my Bitcoins before XX/XX/XXXX ; I will now miss the fork date. Coinbase never even informed me of their decision not to acknowledge the new version of Bitcoin, so I was not able to withdraw my Bitcoin in time. Now that I have initiated the withdrawal, there are delays in the process. These folks seem shady.
Consumer complaint received 2021-01-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (GA)

I reached out to the credit acceptance in XX/XX/XXXX, when I lost my job to ask them was there anything I could do to as far as my payments, I was making my payment twice a week {$270.00}, before I lost my job. In XXXX XXXX, I accepted another job, but I still made my payment as agreed. I lost my job in XX/XX/XXXX, didnt received unemployment, didnt receive pandemic pay, and I reached out to them and explained everything that was going on. I had another job offer, but contracted XXXX and wasn't able to except the job. I was out of work for 5months. I started back to work in XXXX, and I reached out to them and let them know what I had went back to work, and I could pay XXXX a week to get me caught up. They weren't reporting to the credit bureau, at that time, I'm {$2000.00} and some odd dollars behind on my car payment, which makes it 4 months. I have made my payments as agreed thus far, but they are reporting I am 30 days late for XXXX, and 30 days late for XXXX. I know I am behind, I asked if they had any types of programs to help me to make my account current. They told me no. I asked if I refinanced the car because it's not only affecting my credit, but my husbands as well, because he is on the car loan as well. They told me that I couldn't refinance with them, I would have to try an outside lender, or my bank. Well with late payments no one is going to refinance it anyway. So I pay {$180.00} a week, which is {$720.00} a month, and my regular payments are {$550.00} so only {$170.00} over, I wouldn't be caught up until XXXX of XXXX. If I could make more payments, or just pay the past due i would, but right now I cant. The {$180.00} a week is breaking me, but I need a vehicle. I just don't want the late payments to be on my credit or on my husbands credit, because he is trying to purchase a home for us, and the late payment are affect it really bad. I work a letter, to Credit acceptance, to see if they would remove the late payments, I don't see that they have been removed. I have reached out to them, and they still dont have any other means of trying to help me resolve the debt without affecting my credit. Please Help.
Consumer complaint received 2021-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I am requesting an EXPIDTED Dispute resolution since this is the result of XXXX 's system being hacked. This is a correction for complaint # XXXX from XX/XX/2021. The balance I provided of {$250.00} should actually be {$280.00}. The inaccurate information originated from XXXX systems being hacked and they have NOT yet corrected. I must have this corrected ASAP.
Consumer complaint received 2021-01-01
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$39000.00}, {$48000.00}, {$390.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$39000.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$48000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account.
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MO)

Hello. I have been working to remove 1 alleged state tax lien from my Equifax Credit Report. I have contacted the State of Indiana and obtained certified documentation that the tax lien needs to be removed from my credit report with Equifax. XXXX and XXXX both removed these alleged tax liens. I have sent the information twice to Equifax and both times it has come back verified. 1st Compliance/Validation Check - X/X/17 returned verified X/XX/2017 2nd Compliance/Validation Check- X/XX/2017, returned verified again X/XX/2017 I have included the certified letters form the State of Indiana and I would ask that you draw you attention to the detail in letters stating I have no tax liens against me in the State Indiana and they have removed these liens against me. You will also note in the compliance/validation letters I asked for documentation with my signature which I never received. It is very discouraging that a consumer can follow all process for something that is an error and follow the steps to have it removed from their credit report only to have a computer system XXXX, which is Metro 2 complaint, fail to recognize that consumer has provided all information to validate that said liens are to be removed numerous times. Also inline with the recent settlement between the credit bureaus and 30 plus state attorneys where as certain public records and judgements are to be removed if a record do not meet 3 of 4 identifiers. You will notice that both of the alleged tax liens on my report DO NOT meet 3 of the 4 required identifiers. Again a failure of the credit bureau to follow the settlement agreed to. Also I do not have an address on my credit report with Equifax or any other bureau that ties me to XXXX County, Indiana. Again, attached documents from the State of Indiana Validate that I do not have nor have I had an alleged tax lien. Thank you for your time and appreciate your time!
Consumer complaint received 2020-02-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (AL)

On yesterday I went online to lookup Cash app phone number to dispute a company called XXXX XXXX  because I have not received the merchandise I paid for. The first transaction was on XX/XX/XXXX in the amount of XXXX then I paid the same company XXXX. I never received any product instead of disputing with my bank I thought I was contacting cash app. A gentleman stated he is the manager at cash app by the name of XXXX XXXX his direct line is XXXX ) XXXX gave me his number directly and then he proceeded to tell me to identify my transactions to download and log into support and give him ID code he was on my phone with me I showed him the transaction that was taken out he had to go to cash app and delete all requests sent to them for my money then he proceeded to tell me to add these code which was actually taking money out my checking account. I mentioned why is more money taken out my account when the original problem is not handled he stated they hold for verification I said Im going to my bank I didnt authorize these transactions to come out. Then he told me while they are handling XXXX  XXXX  do not attempt to log back in until he calls tomorrow with an update. I said I need my money back in my account. So I got my daughter to help me reopen my cash app because it was completely taken off my phone when we opened up my account he changed my email address to XXXX and deleted email and my phone number. Thats when I tried all in my power to stop that money from going out. I placed my phone number back and I deleted the fake email and placed mines back. Ive contact cash support telling them I didnt do it to put it back but I went to my bank and cancelled the card it came out of. Now my account is frozen with cash app and there is no one I can talk to to get my funds back
Consumer complaint received 2020-12-31
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Omnipoint Capital (AZ)

They say they are calling from Omnipoint Management, but the caller id has shown XXXX XXXX and XXXX XXXX XXXX. I have asked them to stop calling and to stop calling my work. They have refused. They have also threatened legal action. 

The numbers they have called from are XXXX, XXXX, XXXX. They have called twice today XX/XX/XXXX. They called twice on XX/XX/XXXX. 

I've asked them to provide me with proof that I owe the debt. They have produced nothing to me.
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Ok I have alot of things on my credit because someone stole my information an I made a police report 3 years ago this stuff that 's own my credit is because someone stole my identity an I need this removed so that I can get things I wo n't
Consumer complaint received 2020-12-31
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: Experian Information Solutions Inc. (CA)

On XX/XX/2020 I sent a letter regarding in accurate and unknown information on my credit report. Til this day over 50 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. In Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to remove those items from my credit report. It has been 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was impacted by the XXXX data breach and may have gotten in the wrong hands.
Consumer complaint received 2020-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (WA)

I applied for a mortgage preapproval letter from a bank last week to help with the home search. The application triggered a credit check which is standard practice. Ever since then, I have been inundated with scam calls, marketing calls, and mailers from lenders offering different types of loans I dont need. One of the sales reps told me they got my information from the credit bureau informing them that I was in the market. How can my application with the bank allow reporting agencies like Equifax to sell my information to lenders I dont want to deal with?
Consumer complaint received 2021-01-01
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: EQUIFAX, INC. (TX)

On XX/XX/2020, I sent out a request for verification on several accounts. It has now been over 60 days since that request, and no response has been received for all to the listed accounts
Consumer complaint received 2020-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (WA)

I applied for a mortgage preapproval letter from a bank last week to help with the home search. The application triggered a credit check which is standard practice. Ever since then, I have been inundated with scam calls, marketing calls, and mailers from lenders offering different types of loans I dont need. One of the sales reps told me they got my information from the credit bureau informing them that I was in the market. How can my application with the bank allow reporting agencies like XXXX to sell my information to lenders I dont want to deal with?
Consumer complaint received 2021-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX. XXXX XXXX inquired pulled it about my credit and pulled it without my consent and broke the law according Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my TransUnion consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the FCRA provides. A person shall not use or obtain a consumer report for any purpose unless -- - ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ). 


I have not initiated any transaction with Premium CREDFurther, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX for review or collection.
Consumer complaint received 2021-02-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CO)

1 - Since XX/XX/XXXX I submitted and updated PSLF/TEPSL Form to update my " eligible Qualifying '' payments and Fedloan has repeatedly refused to update my total payments. On the submitted form, Question 8 asked is your employer a government organization and I answered " Yes '' and the form states if " Yes '', skip questions XXXX, If " No '' complete XXXX. My employer has certified the form and I have re-submitted four times since XX/XX/XXXX and my information has not been updated. 
2- Also, 6 payments made, I have been told are not " qualifying payments '' and don't understand why. 
3 - Fedloan has refused to give me appropriate access to select which loan I want to make payment on. I have two loans and on the smaller loan, I am now making principal payments only. When I go to the website, it doesn't allow me to select the loan I want to pay on and I have repeatedly asked for this access so every month, I have to haggle with them to re-apply the payment made to the appropriate account. 
4. My XXXX, XXXX payment made was not included in my total " qualifying payments '', I am just getting the run around on this. 
4- Lastly, the customer service provided is terrible. I am getting confusing instructions on what to do regarding all of the above.
Consumer complaint received 2021-01-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NJ)

i have account with TD bank XXXX -my name ; XXXX XXXX i went XXXX XXXX XXXXXXXX XXXX-i marked deposit by check {$4000.00} in last XX/XX/2020 XXXX the check not come in my accounting - i asked them they told me there was problem by deposit in wrong number -they did that ) and they cancel the check and return it back for to the bank whose issue the check. i went many times and talked to XXXX XXXX XXXX  who issued it to me they sent formally letter say the check is cashed they sent copy from my check with the stamp from TD bank, my problem with TD bank, please look at attachment
Consumer complaint received 2020-12-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Prince Parker & Associates (CO)

I used to have internet service and a rented modem from XXXX XXXX XXXX. In XXXX of 2020, I moved out of state, and set up service shutoff with XXXX XXXX XXXX and received equipment return instructions over the phone. I followed these instructions ( basically a XXXX  dropoff ) and on XX/XX/2020, I received an email from XXXX XXXX XXXX that acknowledged return of the equipment. In the months following, I began receiving bills and calls from XXXX XXXX XXXX saying my account had a balance as a result of failure to return equipment. Each time, weather they called me, or I called them, I followed up with XXXX XXXX XXXX until their representatives told me that the issue had been resolved, my account had been settled, and I didn't owe anything. Apparently, those reps were lying, because I received a collections letter from Prince Parker and Associates attempting to collect the balance on the account that XXXX XXXX XXXX told me had been fixed. I had another 8 hours of calls with XXXX XXXX XXXX and Prince Parker trying to settle the issue. At no point during any of my calls with Prince Parker did they tell me I had an option to dispute. Both XX/XX/XXXXand Prince Parker have hidden contact information for an alleged department at XX/XX/XXXXthat can handle my issue, although both companies acknowledge that the department exists. Prince Parker refuses to provide adequate documentation of the dispute that I eventually managed to file ( at the suggestion of someone from XXXX, Prince Parker never told me that I could dispute ). They also refuse to address my dispute in a timely manner. Prince Parker also claims they sent out a first letter in XXXX, which I never received. Given that both of these companies seem dishonest and intent on XX/XX/XXXX over their customers, I assume it is because they never actually sent the notice.
Consumer complaint received 2020-12-31
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)

Back in XX/XX/XXXX and XX/XX/XXXX I noticed inaccurate information on my account due to identity theft. I have been fighting with the 3 credit bureaus XX/XX/XXXX and Equifax to remove these accounts but they have to respond.