davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-26
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)

This is a medical collection per collection company, When i reached out to them i asked them to validate and verify that this was my account, give me signatures with me agreeing to pay them, information stating i owed them, procedures done, Hippa release form from orginal creditor for me allowing them to have my information, They will not supply me with any information and the credit bureaus keep saying verified, But the account is reporting inaccurate information with the date opened. How can i open an account on two different dates? Please remove this account from my report
Consumer complaint received 2021-03-26
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)

Date opened is reporting with 3 different dates, credit limit reporting inaccurate. When you report to credit bureaus they just update account, please remove/delete account off credit due to inaccurate reporting. this for the charge off account XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I was a victim of the XXXX  data breach so this past summer I sent a letter to the bureaus expecting all of the inaccurate items to be removed from my credit report. NO RESPONSE smh now again in XXXX I send another letter with ( you guessed it no response ) and I believe they're taking advantage of me. It's been well over 30 days again and I think it's time for you to fine them and force them to take these items off of my credit report. I've did everything I can to reach out to them so hopefully you can have better luck than me. They're violating my consumer rights and stopping me from getting new credit
Consumer complaint received 2021-03-25
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. (TX)

I previously submitted a compliant under case # XXXX. XXXX  did not address the concerns in my letter in the reply they submitted to the the CFPB : 1. The reply did not explain why the charge-off on the account was reported as of XX/XX/XXXX for over a year, and why it was changed to XX/XX/XXXX, after my dispute was filed in XXXX of XXXX. 
2. The response states the date of first delinquency reported to the credit bureau was XX/XX/XXXX, and claims that the change made, did not affect how long the information was to remain on my credit ; however, the information that I submitted, shows that the account was listed to remain on my credit file until XX/XX/XXXX prior to the update XXXX made to the credit bureau, and afterward, it shows that it remains on my credit report until XXXX of XXXX ( see attachments originally submitted and included again herein ). 
3. Additionally, the payment history included in the reply shows the account was dispositioned from the primary system of record on XX/XX/XXXX, which means the date submitted to the credit bureau is incorrect. 
4. Finally, the payment history shows that this amount was owing as of XX/XX/XXXX after the lease maturity occurred on XX/XX/XXXX ; therefore, the last day of payment should actually be XX/XX/XXXX. XXXX needs to correct this error in reporting of the details of this account.
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

For a period of over 2 years, XXXX XXXX XXXX XXXX inaccurately reported a revolving credit account as open and current, during a time when it was closed and in collections. As a result, the date of first delinquency for this account was not properly established and the removal of this derogatory credit history from my report has been substantially delayed. Additionally, XXXX XXXX XXXX XXXX has reported recent payment history for an Auto Loan that was closed and paid in full on XX/XX/XXXX. This recent payment history shows a 60 days past due payment on XX/XX/XXXX and two 30 days past due payments in XXXX and XX/XX/XXXX. On XX/XX/XXXX, I sent XXXX XXXX XXXX XXXX a dispute letter with all identifying documents requested and additional support documents to verify my dispute. The dispute was closed with no changes made on XX/XX/XXXX.
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

For a period of over 2 years, XXXX XXXX XXXX XXXX inaccurately reported a revolving credit account as open and current, during a time when it was closed and in collections. As a result, the date of first delinquency for this account was not properly established and the removal of this derogatory credit history from my report has been substantially delayed. Additionally, XXXX XXXX XXXX XXXX has reported recent payment history for an Auto Loan that was closed and paid in full on XX/XX/XXXX. This recent payment history shows a 60 days past due payment on XX/XX/XXXX and two 30 days past due payments in XXXX and XX/XX/XXXX. On XX/XX/XXXX, I sent XXXX XXXX XXXX XXXX a dispute letter with all identifying documents requested and additional support documents to verify my dispute. The dispute was closed with no changes made on XX/XX/XXXX.
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NAVY FEDERAL CREDIT UNION (GA)

For a period of over 2 years, Navy Federal Credit Union inaccurately reported a revolving credit account as open and current, during a time when it was closed and in collections. As a result, the date of first delinquency for this account was not properly established and the removal of this derogatory credit history from my report has been substantially delayed. Additionally, Navy Federal Credit Union has reported recent payment history for an Auto Loan that was closed and paid in full on XX/XX/XXXX. This recent payment history shows a 60 days past due payment on XX/XX/XXXX and two 30 days past due payments in XXXX and XX/XX/XXXX. On XX/XX/XXXX, I sent Navy Federal Credit Union a dispute letter with all identifying documents requested and additional support documents to verify my dispute. The dispute was closed with no changes made on XX/XX/XXXX.
Consumer complaint received 2021-03-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

On XX/XX/2020, Portfolio Recovery Associates, LLC add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA Portfolio Recovery Associates, LLC has violated my rights as a consumer and now I request legal action to remove this account immediately.
Consumer complaint received 2021-03-26
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: DISCOVER BANK (NY)

On XX/XX/XXXX, I paid a balance of {$26.00} on my discover credit card of a bill in XX/XX/XXXX, and they didn't clear the balance after I have paid the bill.in XXXX when my credit card expires and I didn't renew the card, the account was closed by them leaving the balance on it.I didn't know about that since I never used the card since then and left the address.I accidentally found I still had {$26.00} charge off and had negative record because of that in XX/XX/XXXX, I contacted discover, paid another {$26.00}, and they written it off.since it was a record in XXXX, which I already paid off, the record should be taken off after 7 years, I filed a claim with XXXX, after the investigation, nothing has changed except the closed account becomes charge off again.They ignored the fact that I have paid off on time in XXXX and again in XXXX.I ask for further investigation.XXXX  Claim ID # XXXX
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

I learned that I am a victim of identity theft in XX/XX/XXXX. I've lived overseas all my life and just moved back to the states in XX/XX/XXXX. When I went to open a bank account at XXXX, I was told that someone has already opened an account in my name. It wasn't me. I followed all the steps and notified all credit bureaus, but Equifax was the only one I couldn't get through to. When I did manage to talk to a rep, we would get to the personal information confirmation stage and they would ask me questions like " what is your credit limit for such-and-so credit card you applied for? '' but I never applied for such credit cards. I suspect that Equifax has treated some fraudulent accounts or credit lines opened in my name as real ones, and set those as my security questions, so of course, I can't answer them. This was frustrating, but I found comfort in that the other two bureaus would notify Equifax to put a fraud alert on my account. But apparently, Equifax did not do so, because today I received a letter in the mail saying that my application for a XXXX Visa card was rejected due to a low credit score. The credit bureau they went through was Equifax. I received no phone call or email when someone tried to apply for this credit card in my name. If Equifax had done its job and placed an alert on my account, I should have received a call. I tried calling Equifax four times today. The first time the rep said that their system was down and I'd have to call later. I'd already been on hold for an hour. The second and third time, I was cut-off mid-call while verifying my personal identity with the reps. The third time, I was told again that Equifax is having technical issues. How is this acceptable? I feel completely helpless as a consumer because I can't reach them online or by phone. Even when I do get to talk to a rep the call is always cut off halfway. This is criminal and Equifax should be held accountable. Because I can't get in touch with Equifax, the fraudsters just keep opening up new accounts and trashing my credit score. I've spend countless hours trying to save my identity to no avail. I can't sleep properly, I can't spend time with my family, I can't work. Identity theft ruins lives, and the least Equifax could do is show some responsibility after that XXXX data breach. Becasue of my trashed credit score, I probably can't buy a house, which I was planning to do in the next two years. I'm so beat up now that I'm seriously considering just leaving the US for good.
Consumer complaint received 2021-03-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CO)

My Chase bank account debit card was fraudulently charge {$1500.00} by XXXX XXXX XXXX CA on XX/XX/2021. I contacted Chase on XX/XX/2021 disputing the charge as fraudulent. Today, XX/XX/2021 they denied my fraud claim.
Consumer complaint received 2021-03-26
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. (FL)

My XXXX XXXX XXXX credit card is showing a late balance which is incorrect. 
XXXX has sent me a letter stating they contact all 3 credit bureaus to correct this information over 1 month ago, information is still showing incorrect on my credit report preventing my score to provide me with refinancing of my property. I am holding all 3 credit bureaus responsible should my refinance be denied or should it cost me to pay more than necessary in interest rate. Attached you will find the letter from XXXX XXXX XXXX XXXX department. 
This information must be corrected immediately. Credit bureaus are liable for wrong information that can cause financial harm to a citizen. I will hold all 3 bureaus responsible should I suffer credit discrimination due to wrong information on my credit report.
Consumer complaint received 2021-03-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (AZ)

I paid off my car loan early. I am trying to receive the title for the vehicle before I move to another state. The loan company Hyundai Finance is not submitting the lien release notice to the XXXX so that I can get a title and every time I call to talk to someone they say it will take a different amount of time to get processed. It is an electronic title and should not be difficult to release but Hyundai Finance is doing nothing to help me and can't even get me consistent information on when I can expect it to be processed. They are impossible to deal with and are not processing the request as stated on the website of 5 business days maximum.
Consumer complaint received 2021-03-25
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. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-03-25
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)

This account was deleted due to violations of my federally protected consumer laws & rights. Below is proof of these allegations. If this information is still being reported this is a violation of of USC 1681 ( a ) ( 4 ) & USC 1681b ( b ) ( 1 ) my rights to privacy. No consent by definition is identity theft. No permission was given to this company or any consumer reporting agency to have any consumer information which is a violation and infringement of my federally protected consumer laws & rights.
Consumer complaint received 2021-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (GA)

BSI Financial has not paid my city taxes -- the money is sitting in escrow. I was not aware, obviously, until I received notice from my city tax office that a lien has been placed against my home. I have made two calls and gotten zero action. I can't get in touch with anyone with any authority to address the matter. This organization is apparently horrible -- one star ratings and a class action lawsuit. My loan was sold to them so I had no say in the matter ... that I'm aware of.
Consumer complaint received 2021-03-26
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. (AL)

This is outrageous! I am a victim of Identity theft and was told by my lawyer to come through the CFPB because Equifax wouldn't respond to my claim. Then, when I do submit a complaint, they state its not me! To prove that it is me, I have a notarized letter as proof that it is me submitting this complaint about the fraudulent acccounts on my credit report! have also included my FTC report that I've filed with the federal trade commission with the accounts that are fraudulent on my credit report. This is not how an Identity theft victim should be handled. It is the consumer reporting agencies job to ensure that, I the consumer 's report is reporting accurately. They have failed me and it is defamation of my character. Equifax is the only one that is giving me a hard time. I'm so tired!
Consumer complaint received 2021-03-25
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: Bread Financial Holdings, Inc. (OH)

When I reviewed my credit report I noticed that there are inaccuracy on the late payments, on the month of XXXX XXXX  and XXXX  has no data provided but XXXX has it 30 days late payments which is clearly inaccurate.
Consumer complaint received 2021-03-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

Noticed two different banks it's XXXX XXXX bank and its Chase Bank I opened the accounts. I deposited money into both accounts no problem. I explained to them that I was trying to start my own little business and part of my business and I'm working with another individual who I can not name at this present time. But it was so the point of they were going to make donations, Charities, Investments into my in order for me to go and process and purchase the items that were needed to keep the company afloat. I did explain to them that there were charges on there and individuals that I did not know therefore I don't understand why they were going to try to return my income tax money that I received back to certain individuals that I had already explained to them what they had did. Just like now they are still holding my income tax my stimulus check I was supposed to receive I still not have received I have I am a single parent with XXXX kids and since XXXX up until now I'm going into XXXX I have not been able to afford to pay my bills taken care of what I need because they're holding my government money and my income tax Chase 's. As far as XXXX XXXX I explained to them the same thing and they decided they were going to close my account after I sent them a mugshot the individual that I felt was doing fraudulent activity on my account that called and said that they did not make a transaction into my account which come to find out they did and I was not aware of the record that this person had already had. Once I was aware I sent them a mugshot I sent information in there still choose not to open my account back up there still choosing not to release my funds and it's causing a major problem because I had invested in the XXXX she start to generate some money on my own and since Chase closed my account they have locked my XX/XX/XXXX account which I can't access funds from there I can't access phone from my XX/XX/XXXXbecause of the same thing that's tied and so I have four different accounts that I can not access nor access my money. I don't appreciate the rudeness that they gave me I don't appreciate the simple fact that they are charging me and withholding my money after they've already been notified of the circumstances they don't want to release the full information on these people to me like they should but they have no problem with giving these people my money that's where I have a problem with this app you're supposed to be protecting my account from fraudulent activity but you're locking me out of my account for me to even get my money when my income tax did post and land into the account Chase decided that they were going to hold my money wish there still doing now and not release my funds to me which was my funds versus going after the people that which is false they went into agreement with you before they even just deposited their money so I'm not
Consumer complaint received 2021-03-25
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2021-03-25
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. (CT)

I have reached out to the bureau to inform them of several inquiries that do not belong to me. I asked for proof of documentation of my request and signature and have not received any response. These are the items listed on my report : XXXX XXXXXX/XX/XXXX XXXX,XX/XX/XXXX- XX/XX/2019
Consumer complaint received 2021-03-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

I sold crypto currencies on Coinbase worth XXXX {$8900.00} XXXX between XX/XX/XXXX and XX/XX/2021. I have been unable to withdraw these funds ever since. It is now over a month from the original transaction. I have filed complaints with Coinbase, but Coinbase has not responded to my inquiries in any meaningful way. I feel like they have effectively stolen my money.