davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-29
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 placed a credit freeze with squid ax 18 months ago. I tried to do a temporary lift this summer and was locked out of the report. I faxed info requested info - DOB, last five years residence, SSN, pic of drivers license ( have transmittal sheet proof it was received ). Called Equifax a couple weeks later sand agent said nothing in system that they received it. So two weeks later ( a month total since my fax was sent ) I sent a letter with copy of fax, proof of transmittal and all info from the fax snd mailed certified to equifax. Its been three weeks since I mailed that. 

They received it a week after I sent it. The letter included request to allow me access to my credit file to to freeze/unfreezes or explain why the are refusing. 

I tried getting into my equifax today XXXX Sunday XX/XX/2020 ). I am still getting the screen that says there is an issue and to call them M-Fri.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I settled and account with XXXX XXXX and noticed the bureaus were still reporting the account with a lower balance but not a XXXX balance. This was settled and should have been deleted and had the bureaus actually investigated as requested this would have already be resolved.
Consumer complaint received 2020-03-13
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. (OH)

XXXX/XXXX  added a negative account for what appears to be a credit card in XX/XX/2019. I've sent online disputes asking the credit bureaus to to their job and investigate because I have never had a XXXX Credit card.I 've sent dispute letters to the three Credit Bureaus certified with the following tracking numbers : XXXX XXXX XXXX It still remains on my credit. I contacted XXXX to get more information and tell them I believe its fraud and asked them to send me a copy of the original paperwork where I applied for the card. I gave them 30 days and they wrote me back stating they could not assist me at the time, and their apologies for the inconvenience. I then sent a dispute letter directly to them on XX/XX/2019 with the tracking number : XXXX ( which was delivered on XX/XX/2019 ) asking them once again to verify. I understand that they have 30 days to respond or delete. It is now 72 days and I have not received anything from XXXX at this point it needs to be deleted from my credit file. Every month they are updating more days late. Which is harming my score. They are breaking the law
Consumer complaint received 2019-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (AR)

Account showing that I was late on payments and I have a 15 day grace period Called the company, they wouldnt help Disputed a few times with the bureaus, no change. 

Dates of late payments : XX/XX/2019 XX/XX/2019
Consumer complaint received 2020-03-12
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. (FL)

I have been to my local police department they gave me a Identity theft packet, been on phone with IRS, and trying to contact all of the three credit bureaus the only successful one was XXXX. Experian and XXXX  have no live repsentative to answer the phone, they have about 10 different numbers but no one to answer the phone. They want you to mail a letter to them, my Identity has been stolen and I am trying to put a freeze, or fraud alert, and make some corrections on my account online preferrable which is quicker but there is no ling, and experian was experiencig some difficulties. This is very important, nerve racking and no customer service to assist you.
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I have a account listed on my credit report that is not accurate from OHIO DEPT OF HUMAN SERVICES # XXXX this account has never been verified and the balance reported is not accurate. This account I am disputing under 609, 623 FCRA. I have no documentation to show that it is even accurate. Please remove this account until I have a copy of the paperwork for my own personal review. I never received any response back for an account from XXXX XXXX XXXX # XXXX I have never ever done business with this company.
Consumer complaint received 2020-12-04
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. (IL)

Dear XXXX, XXXX  & Equifax  : Thank you for sending me your internal records of the debt ( XXXX XXXX XXXX XXXX Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my IP Address " Session '' " Time Stamp '' and " Browser '' with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from ALL THREE BUREAUS including reporting payments on a CLOSED ACCOUNT & RE-AGING THE ACCOUNT ( please see attachment ) which is in violation of the FDCPA. You stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX
Consumer complaint received 2020-12-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MI)

After a routine password change on XX/XX/2020 Coinbase is denying me access to my account, thus holding onto any initial investment as well as any subsequent earnings. I have tried to multiple times to verify my account and contact Coinbase support. I have also tried numerous times to verify my account to no avail. I have been unable to resolve my issue, or speak with a human. Not only will I lose any earning but I will lose my initial investment. All I want is access to my account. There is virtually no support at Coinbase and every email correspondence I've received from them has been computer generated.
Consumer complaint received 2020-11-30
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. (GA)

On XX/XX/2020 I found an unknown and inaccurate accounts on my credit report and I sent Dispute letter but over 30 Days today I haven't received a response. I was a victim of Equifax Data Breach. I want to deleted all the accounts on my credit report or I will file a litigation.
Consumer complaint received 2020-11-30
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. (AL)

My account was on Autopay with XXXX XXXX XXXX XXXX  for a phone which I bought. I bought a new phone with XXXX and I was informed that the Autopay on my account was kicked out due to a new purchase on my account authorized by XXXX. I was never intimated on this decision, either offline or online. The credit bureaus informed me on Saturday ( XX/XX/2020 ) that this account is 'past due, ' which is due to no fault of mine. I have never missed a payment with any of my lenders including XXXX XXXX so far ( check my credit history for details ). As soon as I learned about the situation, I paid the amount due immediately ( including the late fees, which are again no fault of mine ). I was instructed by the customer service that I will receive a call from the supervisor within 24 to 48 hours, which was not fruitful. When I observed the autopayment screen on my account, it constantly showed 'Enabled. '
Consumer complaint received 2019-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc. (TX)

My issue is with the XXXX  Credit Reporting Agency. 

I am able to have a cursory glance of my credit file ( FOR FREE ) any time whenever and however many times I want ... keyword being cursory with XXXX   and XXXX  as long as I can remember. However, XXXX  requires we give out our detailed confidential information to one of their outsourced customer service reps and THEN ( if they understand you correctly ), they'll search for the item in question ... again ... assuming they understood who or what you're talking about.

Not only is this superfluous, but a COMPLETE waste of time!! I could have seen whatever there was ( cursory-wise ) and filed a dispute if I needed to..like both XXXX  and XXXX  allow. XXXX does not allow a consumer to view their file to verify information filed on their credit report ; to have this 'option ' as one of their customer service reps stated, I would either have to BUY one of two monthly memberships, one for XXXX or $ XXXX {$29.00} ( something to that effect. ) I should be able to see if there is a discrepancy in my credit file without having to ask some complete STRANGER to tell me if they see something or to have to buy a membership to view items filed on my credit report ... this is ridiculous!!

Not only is there too much margin here for error, but you could also be the lucky recipient of someone with an attitude ... or better yet, the consumer has gotten an attitude after being transferred multiple times or is in automation XXXX going from one department to the next trying to get information on their file.

Also, while I am at it ... I have multiple student loans all being handled via Nelnet reflecting as multiple accounts on my file. Is that effing necessary to have it reflect as so?!? Why can't it be reported as 1 combined student loan for Unsub loans and 1 combined loan for Sub loans? I am about to go into my XXXXXXXX  program and I will be using even more loans in the process, and as such, even more accounts reflecting in my credit file ; I feel the number of accounts impacts my FICO score negatively. I feel as though the system is rigged to keep people from qualifying for a decent home unless they're earning 6-figures.

All I am trying to do is find a decent and SAFE home to live where I can move my mother ( who lives alone in god-forsaken XXXX Texas ) in with me.
Consumer complaint received 2020-03-12
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)

this account is in the amount of {$2200.00} it was first listed on my credit with XXXX then sold to XXXX XXXX I turned in all the necessary paperwork proving that is was fraud it was removed from my credit then 30 days later it was back on my credit report with XXXX   XXXX  I have called them several times and all I have got is a answering, machine
Consumer complaint received 2020-11-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

Direct energy has placed a charge off on my consumer report. Years ago I disputed this item, they couldnt prove the validity of the debt it was then deleted from all three bureaus. Now another collection agency placed this account on my credit, I did not receive any information prior to this erroneous information being placed on my consumer report. I have never had an account with direct energy, I have asked in the past for them to send written proof and Im making a formal complaint against : Transworld Systems, XXXX, XXXX XXXX and XXXX.
Consumer complaint received 2020-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (SC)

In late XXXX of this year, I transferred the deed of the house I owned in XXXX,XX/XX/XXXX to my ex-boyfriend, XXXX XXXX. We broke up, he " bought me out ''. The mortgage of this home was held by XXXX XX/XX/XXXX XXXX XXXX of XXXX XXXX, XX/XX/XXXX. That account number was XXXX. 

On XX/XX/2020XX/XX/XXXX issued an escrow refund check made out to BOTH me and my ex. This check was for {$15.00}, XXXX Mr. XXXX intercepted the check as I no longer lived at the address we shared, and managed to keep 100 % of the funds of this check by doing the following : We had a joint checking account with Chase Bank - ending in # XXXX He signed the back of the check also writing " for deposit only ''. He deposited the check remotely, and the following day, when the check posted, he transferred all of the funds to his own personal checking account which is also through Chase. 

I have proof of all of these transactions. 

I called Chase, they said that it is very clear what Mr. XXXX did, that it was dishonest and that I am the rightful owner of half those funds as the check was clearly made out to me as well. He circumvented me by depositing in to the joint account, and then had the ability to do as he wished with the funds. Chaser admitted to me this was a fraudulent maneuver. However, Chase refused to reverse the transaction, allowing me an opportunity to receive my portion. 

I also contacted XXXX. I essentially received the same story from them. Yes, my name was on the mortgage, yes, the check was made to me, no, XXXX should not have been able to do anything with the check without my signature. Their advice - talk to Chase. Chase, as you read above, could not care less. 
Additionally, on the date of closing, I asked the settlement attorney if he wanted my update address, and he told me " No '', that it would not be necessary. 

I also emailed the Fraud Department of XXXX on two separate occasions, but I have not heard back at all. 

Please help. I work as a healthcare provider. I work very hard. I paid this mortgage and I am due what I put in.
Consumer complaint received 2020-11-28
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: Navient Solutions, LLC. (IL)

I have been trying to get Navient removed from my XXXX and XXXX credit report. Since earlier this year on each dispute it comes as being verified. I never asked for the validity of the account. What i have been asking for is the original consumer contract with my signature on it. Per the FCRA 609 rule if they could not provide that information then the account needed to be deleted. Not to mention this loan was issued on XX/XX/XXXX the school which is XXXX XXXX XXXX XXXX closed in XX/XX/XXXX also per the law any debt over 7 years old should be deleted from the credit report. I want Navient to remove both loans from my XX/XX/XXXX and XX/XX/XXXX Credit file
Consumer complaint received 2020-03-12
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. (FL)

Unfortunately I have been a victim of identity theft. I rarely ever check my credit and my girlfriend checked it for me for my business and saw several items that we were unaware of. There is debt on accounts that we never took out. Please help me because this is hurting my ability to buy more XXXX  for my XXXX XXXX.
Consumer complaint received 2020-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NJ)

Bait and Switch -- Chase Bank took advantage of COVID-19 I had a dispute charged on my Chase credit card with a merchant due to its price gouging for essential items to combat COVID-19. 

Chase bank decided to against me in the dispute, however, it agreed to suspend the payment for three months offered by an employee of Chase executive office. However, at the end of the first month of payment suspension, Chase decided to collet payment. Chase also charge hefty interest rate to the suspended payment. I questioned Chase 's ethics, it didn't respond. I didn't make payment since it was within three months payment suspension. During the second month of payment suspension, Chase bank continued to charge hefty interest on my credit card account, then added late payment fee.

I wrote to its CEO, XXXX XXXX, then, Chase closed my other credit cards with Chase. It is retaliation. Before COVID-19, I never missed any payment for all chase credit cards. As a matter of fact, all my credit cards were on auto payment.

I consider Chase is unethical ; take advantage of COVID-19, promote itself as a corporate citizen which offers COVID-19 relief whereas, it charges hefty interest rate and fees within payment suspension period.
Consumer complaint received 2020-11-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (CT)

Guaranteed Rate mortgage company paid my flood insurance early while I was still shopping for insurance. I found a new flood insurance that was significantly lower yearly from XXXX down to XXXX dollars a year. I had my insurance company fax this to their insurance number XXXX. In the meantime the company went up on my monthly payment from XXXX to XXXX a month. I called them and paid this as they stated they could not redo my escrow for XXXX. I also then paid them the XXXX dollars back on the escrow. They redid the escrow and now say I owe XXXX a month. By my math I should be below the XXXX original payment as I have repaid them. They still state they have not received my new insurance front sheet that has been faxed to them twice. I called again this morning and they stated they still have not received it.
Consumer complaint received 2020-11-27
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)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I demand these accounts be deleted immediately on my credit report.
Consumer complaint received 2020-11-27
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)

On XX/XX/2020 I submitted Disputes for unknown and inaccurate accounts on my credit report. I was a victim of Equifax Data Breach. I want to Delete all the unknown and inaccurate accounts or I will file a litigation.
Consumer complaint received 2020-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score fcra violations all above
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.