davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (TX)

This company is reporting a debt that is not owed to them. I sent debt validation request to the company to provide a signed contract or original agreement of the alleged debt they sent me a letter which i will attach with with my name attached to it with an invalid address no signed contract or original agreement was provided as requested in the letter. couldnt find any information in the system for this fraudulent account. This company is in violation of the Fair Debt Collection Practice Act.
Consumer complaint received 2021-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX  XXXX Equifax XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Item disputed XXXX XXXX XXXX Issue This inquiry is fraudulent. 

Item disputed XXXX XXXX XXXX Issue This inquiry is fraudulent. 

Item disputed XXXX XXXX Issue This inquiry is fraudulent. 

Item disputed XXXX XXXX Issue This inquiry is fraudulent. 

NEED TO BE REMOVED FROM MY CREDIT PROFILE FOR FRAUD. I DID NOT REQUEST, AUTHORIZED OR WAS INFORMED ABOUT THIS. THE CREDIT COMPANY ITSELF MAILED A LETTER OUT XX/XX/21 TO HAVE IT REMOVE BUT IT'S STILL BEING REPORTED.
Consumer complaint received 2021-07-02
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. (GA)

I reviewed a current copy of my credit report and show inaccurate or incomplete information listed. the creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri ) alleged balance amount {$1400.00}. I attempted to contact credit and send a wirtten certified document and has not been repiled to over 30 days. I show this alleged account is fuardlent and I never attended any such school or have and alleged debt with XXXX XXXX XXXX. There has been on proof of verification and this is a direct viloation of FDCPA. Please deleted account
Consumer complaint received 2021-07-02
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: EQUIFAX, INC. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  - AUTO FINANCE - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  - AUTO FINANCE on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX  XXXX  XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX  XXXX  XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX  XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-07-02
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. (NJ)

In XXXX of XXXX, I submitted a dispute with XXXX XXXX credit card regarding three late payments. In XXXX of XXXX, I began the process of homeownership and I was informed by my bank that I needed to remove my disputes. I contacted the credit bureaus on XX/XX/XXXX to have the dispute removed and it was removed but subsequently placed back on my credit report. I contacted the credit bureaus again on XX/XX/XXXX and the disputes were removed and appeared again. I contacted the credit bureaus on XX/XX/XXXX and they were removed and reappeared again. On XX/XX/XXXX, I contacted XXXX specifically and I was told that I needed to contact XXXX XXXX because they are the once that are reporting this dispute to them. I called XXXX XXXX and I was told that there is nothing that I can do, I have to wait for them to respond to my request to have the disputes removed that I submitted on XX/XX/XXXX. I asked the outcome of my dispute removal request on XX/XX/XXXX and they did not have an answer to give me. 
I believe that XXXX XXXX is behaving in a manner to punish consumers that dispute negatively reported items. I also believe that XXXX XXXX is in violation of protections offered to consumers by continuing to report this information as being in dispute that I have asked to be removed four months ago.
Consumer complaint received 2021-07-02
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)

My credit score dropped XXXX points for no reason. When I try to find out why, Transunion tells me I need to answer security questions from 9 years ago. I don't remember them from that far back. They keep trying to tell me they can't help me without them and offer me no way to reset them? I have no delinquencies on my report and owe very little on one credit card. There is no way my score should have dropped by that much. If anything with 2 inquiries that came off today XX/XX/2021, it should have gone up! I want my XXXX points back!
Consumer complaint received 2021-07-02
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. (AK)

I received an email from Experian saying I was a match for one credit card, 98 % match for another card, and 85 % match for another card. Had I not received baiting emails I would not have applied. I was declined for both, resulting in two inquiries that reduced my almost XXXX score ( XXXX according to Experian. I would like Experian to contact both companies and have the inquiries removed and remove me from there email list. I spoke with a Will at Experian who doesn't know who the CEO is and does not believe I would not have applied without being enticed by their bogus emails. the CEO is XXXX XXXX i am a reasonably intelligent individual. I am well aware that you " do not grant or deny credit. '' What you and Will fail to hear and or understand is your email ENTICE, TEMPT, LURE, INVITE, XXXX, AND COAX people who are have a great ordinary day before receiving your email that they somehow qualify for something that before your email they had no plans to apply.
Consumer complaint received 2021-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

We purchased our house in XX/XX/XXXX and refinanced in XX/XX/XXXX. When we refinanced in XX/XX/XXXX, our house was appraised at {$300000.00} and our mortgage was for approx {$250000.00}, meaning that we had slighly less than 20 % equity so we were subject to paying PMI. Fast forward one year and the market value of our house has increased beyond {$300000.00} and houses have been selling for over {$440000.00}, therefore we have more equity in our home than we did a year ago. I called Wells Fargo and asked about the steps to have PMI removed and they sent me a letter explaining that I had three options. Make a principle payment of approx {$12000.00}, use the Automated Valuation Model, or order a revaluation of the house ONLY if significant improvements are made in exess of {$12000.00}. I'm not in a position to make a {$12000.00} payment, the XXXX is not available for our house for some reason, and we have not made improvements to the house that exceed that amount. If an appraisal were to be ordered today, our real estate agent estimates it would be valued higher than {$350000.00}, and that is being conservative. Wells Fargo states that XXXX XXXX does not allow for appraisals to be ordered for any other reason and I believe this is wrong. PMI is to protect the lender in the event that we default on our loan, but based off the market values, if we defaulted on our loan, the lender would benefit, therefore PMI is unnecessary. 

The publication the CFPB released online states that " Excessive PMI coverage provides little extra protection for a lender and does not benefit the borrower, '' so if the lender is not benefitting, we feel as if we're being taken advantage of by having to pay for something that is not needed.
Consumer complaint received 2021-07-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

Hello, I've been using Coinbase Pro before, I can withdraw my BTC ( Bitcoin ) but now I can't. They're reducing my daily withdrawal without any notice, and can not be changed even I requested. My BTC stuck forever. I've tried contacting the support but only automated reply. I did search the internet, there are 2 - 5 guys having the same problem and no customer service was available to help even for several months!
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion is continually reporting inaccurate and misleading information on my credit report. I have filed several disputes and they were good at taking care of inaccurate information before. According to the FCRA there is still inaccuracies being reported and Transunion has stated that the information has been verified without providing any proof, documents, signatures, proof of contact directly from the bankruptcy court, etc. The courts have communicated several times they do no speak with or communicate with any credit reporting agencies therefore it can not be verified directly from the source. They are obtaining this information from a third party reporting agency and all of those reports are locked so there is no access to them. I have also several address that do not belong as well as my employer listed. This reporting is causing harm with trying to qualify for a mortgage so my children and I can find a home. This is beyond stressful going back and forth over two years trying to get the correct information reporting. They can not furnish proof ( verifiable ) then by law they have to remove this inaccurate information. At once. I will not rest until my credit reports reflect the real financial situation and not what they feel like reporting. Please assist me with contacting Transunion to have all of my disputes removed and not to return.
Consumer complaint received 2021-07-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I filed a complaint against Trans Union not reporting accurate information on my credit report. On XXXX XXXX Trans Union stated that they would dispute the information with the creditor and they would provide me with an update 30 days after the dispute. Trans Union took longer than the 30 days to provide me with a status. On XX/XX/XXXX, they provided me with a status on my dispute stating that my dispute had been Updated. I disputed a late penalty that was placed on my Trans Union credit report by a creditor. The creditor responded to myself and all 3 credit bureaus stating that the late payment was an error and they removed it. Trans Union is the only creditor that is still reporting this late payment. I called Trans Union today XX/XX/2021 on a recorded line and spoke with XXXX. Per XXXX she stated the dispute was complete and the updated and deleted information. I asked XXXX to describe what was updated on my credit report and what was deleted because the late payment that I disputed for XXXX, 2021 still remained on my credit report. I expressed to XXXX that if there are no changes to my dispute it would say remains the same, however it says Updated/Deleted but Trans Union provided no information that was updated. I even asked what was the response from my creditor who placed the mark on my credit report and have uploaded the response from my creditor on their website and XXXX stated she did not know what was updated, she saw that the my credit reports remain the same but she failed to do anything about it and told me they did their part by notifying the creditor of the dispute. I expressed to XXXX that Trans Union is supposed to not only notify the creditor but to investigate and provide me with details of their investigation outcome. Trans Union has not provided me with any information showing that my credit report was updated, it is not and on one at their company can provide me with details on what was updated or a response from what they received from the creditor.
Consumer complaint received 2021-07-02
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (MI)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. You agreed to a " pay for delete '' and you have not removed the account from my profile. You have received FULL payment and need to remove the collection from my account as agreed.
Consumer complaint received 2021-07-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (NV)

Netspend let some one go into my bank for a span of 4 days starting XXXX. They blocked my card on XX/XX/XXXX when the scammer started using my card in California in i live in XXXX XXXX and was at work during the transactions that happened in both states, netspend only gave back the California transactions and never gave me my XXXX back from the XXXX XXXX ATMs i never been to and it doesn't matter if the pin was enter corrected and they are still trying to make me feel like I took my own money or someone i know took it. They told me I cant be a Vitim of fraud in the same city i live. no access device was used so they violating regulation E. They told me I will have to wait to get the dispute documents to speak with the dispute department, I received them on XX/XX/XXXX still no call they are saying the dispute department called me on XX/XX/XXXX but i have no miss call or voicemail form that day so they are giving false information to me and telling me now I cant even speak to the dispute department every supervisor i talk to have hung up on me and I received emails I will be getting a call here it is XX/XX/XXXX and still haven't talk to the dispute department. They keep submitting request every time call for me to be told I have to keep waiting -1-2 business days. corporate supvisor never called me back synina supervisors .I sent proof that I was at work when the transactions happened and the bank isn't looking at the actual fraud. I don't have history going to banks taking XXXX out a day. I never been to those banks. I had to goggle were they was at. My email is showing proof that I just want my money that was taken form and two transactions I didn't receive the service or didn't make the transactions at the time shown and they aren't trying to give me my money back please help me look into this bank and wrong doing against me. I had to wait hours to speak to manger just be hung up on so many times and treated so wrong, this has caused me angry and stress. I'm seeking legal help how i been done treated. please help not listen to this bank I have screenshots of emails and my call log that I didn't receive a call from the dispute department.
Consumer complaint received 2021-07-02
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: Experian Information Solutions Inc. (IL)

I been trying to dispute item on my report that doesn't belong to me, fraud or mistaken identity but Experian Bureau refused to investigate it or response like account was verified without any support info.

here is the Item that should be removed from my report immediately : 1. Fraud. It has to be removed from my credit history report XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

2. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX please delete it.
Consumer complaint received 2021-07-02
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: AMERICAN ADVISORS GROUP (NV)

My home XXXX XXXX on XXXX XXXX. My insurance company XXXX sent a 3 party check in the amount of {$170000.00}. My husband and I signed check and overnight it to AAG and check was received by AAG Loss Draft Dept on XX/XX/2021. I was told it would take 10 business days to issue my remaining funds. To date I have not received any funds and only I dont know answers when I question the returns of my proceeds. If it took only 10 business days to process my remaining funds then where is my funds. We are homeless and only getting nowhere with AAG. We are XXXX and XXXX XXXX XXXX riding around XXXX XXXX with no where to live.
Consumer complaint received 2021-07-02
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: PENNYMAC LOAN SERVICES, LLC. (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 160 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-07-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

I sold a car to a Buyer who paid me {$5000.00} via Paypal on XX/XX/XXXX. I was advised after my Paypal account received the payment that there would be a hold of up to 8 days - presumably for the payment to clear. The Buyer confirmed for me that the money left his account. After 8 days, I check and the money was still listed as " on hold ''. The stated reason is that this is a bigger than usual transaction for me which somehow translates to a requirement to hold the money - apparently until XX/XX/XXXX - just under a month since Paypal received the payment. This is also the date Paypal says they will provide an explanation. Paypal is fraudulently using my money.
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AR)

I have been trying get this off for almost a year, I have sent letters, made calls and filed disputes and file complaints, with little to no response or results. XXXX  has placed an closed Entergy bill paid in XXXX XXXX on my credit report in the closed section, as a XX/XX/XXXX reporting date with a {$99.00} balance, reporting it was in collection before paid 3years earlier. All three credit beau XXXX XXXX and Equifax are reporting inquires that is not mine Certified credit XXXX XXXX  XX/XX/XXXX, Data Facts XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XX/XX/XXXX. XXXX  XXXX XXXX XXXX XXXX inquires that is not mine. Equifax is reporting XXXX XXXX XXXX XX/XX/XXXX, is not mine. A address XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, AR XXXX not my address. and XXXX  and XXXX is reporting a address XXXX XXXX XXXXXXXX XXXX, CA XXXX is not mine Incorrect reporting of my name XXXX, XXXX Please remove from my credit report items that are not mine and correct my name please.