davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my tenth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-05-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

I have made several bitcoin purchases and when you do the transaction sits in a pending state until the recipient accepts the funds. When the transaction is in pending, there as an information button to show why the transaction is pending. It says that a pending transaction can be canceled by going to the website on a computer not mobile phone and gives the steps to cancel the transaction however, the steps are inaccurate and there is no actual way to cancel a pending transaction on the website. I called to complain today XX/XX/XXXX about a bitcoin transfer I made to a recipient in the amount of {$96.00}. They said that even though my screen shows the transaction as pending, it can not be canceled even though their instruction say it is possible to do so. This issue also happened on XX/XX/23 in the amount of {$140.00}, {$47.00} on XX/XX/23 and {$96.00} on XX/XX/23. While I was on the phone for 40 minutes for them to resolve this I was hung up on. I attached pics of the transactions listed and particularly the one that says pending 1 hour and the instruction to cancel. I was called back by the customer service rep who said the transaction had been completed but it's because i was on the phone with them for 40 minutes and on top of it the instructions to cancel the transaction are false as you can not cancel a pending transaction even though the app says you can.
Consumer complaint received 2023-11-14
Product: Credit reporting 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 discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-21
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. (NJ)

I asked for the removal of false information that another credit reporting organization had discovered and erased. 3 Credit Bureaus have disregarded FCRA rules and my request for verification because of your silence or a response that I consider frivolous. I need to amend my records and fix mistakes that XXXX credit bureaus made. The objects are listed below : 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 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MN)

I appreciate your time to REMOVED some of the fraudulent items in my file that resulted from an alleged identity theft but I still have remaining fraudulent items left that need to be removed. I was going through my records & noticed that many files that do not belong to me still remained. Since XXXX a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these items which are found listed identity theft report # XXXX. Please remove these items : EXPERIAN : XXXX XXXX XXXX  **** Balance Owed {$610.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX **** Balance Owed {$0.00} XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (FL)

I have made over 8 complaints against pnc bank they have discrimination against me under the col using my personal information to there advantage charging me fees stealing money from my account not paying me my dividends stolen my identity after I revoked there poa still doing what they want to my account rigging into my ss XXXX account I admend my signature from contracting with them and they tell me I can't her name is XXXX  she is the customer service relations representative and very rude and don't care person she is from the head quarters in XXXX  zip is XXXX I have written to the ceo as well with my instructions nothing I reported them to the irs still waiting on a response this bank has caused me so much grief and I need something for my pain me time away from my family bc they want to steal from me and think they can get away something has to be done with out prejudice I have been denied credit accounts closed bc they say so I didn't agree to there terms wouldn't get me out of contract and steal from me that identity theft taking my poa when I revoked it
Consumer complaint received 2023-07-28
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. (GA)

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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 DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC. (OH)

I am writing to you to have my all funds paid so far returned to me. According to the, Truth and Lending Act. 1602 My car has already been paid for. Because, My ID and Social security card are my forms of credit. So once the bank ( EXeter Finance ), Released the funds to the dealership ( XXXX XXXX XXXX ). Which became a consumer transaction at that point. I know my rights as a consumer. And want to use my ability of recision. So the bank ( Exeter Finance )
Consumer complaint received 2018-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have disputed the late payments on XXXX XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX XXXX for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Specialized Loan Servicing Holdings LLC (CO)

I asked for and received a payoff from XXXX XXXX XXXX. The payoff was good through XX/XX/2024. I inquired and was told by XXXX XXXX that they received the funds on XX/XX/2024. I inquired again on XX/XX/2024 since I had not received further communication as to status. I was told Specialized Loan Services ( SLS ) now owned the paper. XXXX XXXX ( XXXX ) responded to me on XX/XX/2024 that she was working on the case with SLS. I inquired to XXXX again today and have not had an answer. The wheels came off during the transfer to SLS but I do not want to incur additional interest as a result. Help!!
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE items 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 2023-12-24
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (GA)

Purchased car from us auto XX/XX/2022 Made car payments to us auto until XXXX account was transferred to XXXXXXXX XXXX XXXXXXXXit is now a different higher number now then when payment.Seems like they have no history of any payments I already made to us auto or payment was wrongly applied.Payment is being applied wrongly now hardly anything is being paid to principal only interest this will affect to keep in debt
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-12-22
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. (PA)

Can u please delete the 2 " Fraud hard inquiries ''. I know nothing about this new inquiry qt all. As i will provide documentation of the duplicate inquiries. I also froze my accounts with fraud alerts and reported to the FTC for further security & Investigation measures.

This was improper use of my credit report of hard inquiries that i am unaware of and did not authorize. I was notified by XXXX XXXX XXXX XXXX XXXX someone accessed my info it was stopped the the Black market Website Surveillance from my Bank. 

I also filed a FTC Report. Transunion File # XXXX The XXXX unauthorized Hard Inquiries are listed below. 

I even have freezes and fraud alerts on there and not sure how it still got on there. As i will show u documentation that it was blocked originally Duplicate Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-20
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. (FL)

I have disputed the late payments on XXXX XXXX XXXX for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2024-05-06
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (IL)

On XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX I sent my letter off to the credit bureaus to investigate every piece of information on the accounts I have listed below. Consumer reports means consumers report or portion there of and which information on consumer character general reputation personal characteristics or mode living is obtained through personal interviews with neighbors friends or associates of the consumer reported or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law also every piece of information on these accounts are still not reported 100 % accurate and according to the FCRA 15 USC 1681 everything has to be 100 % accurate. I have the report showing inaccuracies XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  charge off XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {>= $1,000,000} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-15
Product: Credit reporting 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. (WV)

I did not authorize these inquiries. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

My name is XXXX XXXX XXXX XXXX, and I am XXXX. As I'm trying to buy a house, I noticed inaccuracies in my credit report due to identity theft. All my personal information, name, social, and dob were exposed in the Equifax and the XXXX  DMV Data Breach as I was affected as a XXXX  resident. I'm a XXXX XXXX with a XXXX, and I'm trying my best to read and keep up with my credit report. I have no knowledge of the accounts or inquiries. They are a result of identity theft. I need my credit report to reflect accurately. ftc report enclosed. 


* Identity theft inquires reporting inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX *fraud account reporting inaccurate XXXX Account XXXX
Consumer complaint received 2024-05-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Onity Group Inc. (TX)

We have been working with PHH on a second short sale offer/application since XX/XX/XXXX. On XX/XX/XXXX, my realtor and authorized XXXX XXXX, was told by XXXX, XXXX, and XXXX that once I sent an additional email requesting a short sale that my foreclosure would be on hold to give them time to review the short sale application. I sent the email on the same day, and no one from PHH ever responded to us again. 

Today, XX/XX/XXXX, I called PHH and was told I would go into foreclosure tomorrow and would have XXXX  days to move out. I then called again about an hour later and was told that I went into foreclosure because the system says a short sale was approved by PHH in XXXX, but I denied it. This is completely incorrect and clearly false information that was inputed into the system. I have record of all the calls both my realtor, and I made and not once did anyone at PHH tell either of us the short sale was approved. Instead, they had me keep re-submitting applications and denying a mortgage assistance application I never submitted. 

The amount of incorrect and conflicting information this company has provided us is disgusting. The fact that I was told a week ago that my foreclosure was on hold, and then am told today that I will need to be out in 3 days is absolutely atrocious. I have been given no time to prepare because of the false information PHH has provided me over that past few months. I even asked for the information to get the extension started so I have more than 2 days to vacate the property, and XXXX person told me that was impossible and the next person I spoke to said I have 30 days to move out. This is another example of the conflicting information PHH provides.
Consumer complaint received 2023-11-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

My business was created with XXXX owners who functioned as managers and we each had a credit card. When one of the owners/managers was fired in XX/XX/XXXX we physically took the credit card back and changed our login information online ( her name is XXXX XXXX XXXX so she wouldn't be able to charge anything. Shortly after we contacted Bank of America to have the credit card canceled and the associated account closed. They told us the only person who could cancel the card and close the account was XXXX XXXX herself because she opened it under her own line of credit. We explained that she was fired and doesn't have any access to the account. We had this same conversation/back and forth in person and over the phone a few times before we as a business decided to table the problem since we weren't getting anywhere. Then in the pay period of XXXX XXXX XXXX XXXX {$160.00} was charged to the credit card ( not by us ) that was physically held by us. We assume the fired employee had the card number saved on an XXXX  account and made the purchase. We immediately disputed the charge and a claim was filed, explained the situation to the bank in person and over the phone and they still would not close the credit card or the account. So I filed a complaint with a federal agency ( I don't remember if it was this XXXX or a different one ) and we got a response from Bank of America over the phone, saying we needed to fill out a " change of Guarantor '' form to change the cc/account to be in my name and were told to 'select option XXXX ' when you receive the form. I received the form in the mail and there was no 'select all " option or 'option XXXX ' so I called the contact we had from the Bank of America regulatory department who reached out and they didn't answer. We then received a mailed letter explaining no information could be shared because the account was in the fired employees name. So I sent the paperwork in filled out despite the lack of 'option XXXX ' as I was told over the phone and we have heard nothing back in about a month. The disputed charges remain on the card even now and late fees are stacking up, while our fired employee 's credit score is likely being effected without their knowledge. The card otherwise has XXXX charges. We just want to close it down.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland has place a levy on my accounts for a debt ( credit card ) that is not mine. All my accounts are frozen. I am a single mom that is currently unemployed and have no way to feed my children do to the judgment that was place to garnish my accounts... I was never served or aware of this judgment.
Consumer complaint received 2023-09-02
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (IL)

My account has been restricted, I am not able to use my account, I cant touch the money I have in there because some information from XXXX XXXX XXXX was sent to navy federal and I need u guys to clear this problem as soon as possible
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (KY)

I applied an American Express business gold on XX/XX/XXXX with a welcome bonus XXXX points if I spend XXXX with XXXX  days and it got approved. I also got an email from the bank for my virtual card, so I can use it immediately. But I can't open the link with the computer and cellphone with different browsers. I contacted the bank about the bank several time and talk with their IT department, the link still doesn't work. I required an expedition on the card, but they refused it. I didn't get the card until XX/XX/XXXX. So I have way less time to use the card. Now I find I am only {$250.00} dollars to reach the bonus. If I can open the link for the virtual card or if I can receive the card earlier, I will definitely get the open account bonus.