davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of 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
Consumer complaint received 2023-12-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Fifth third bank has not been reporting my payments or accurate balances to the credit bureaus. They have purposely left the credit utilization reflecting a higher utilization than what is current they have not reported the payments or proper usuage for months which was not the agreed upon terms when I got this card. This failure to report has caused an extensive delay in my credit building and makes my account appear to be neglected. At this point I will be looking into pursuing immediate legal action against fifty third bank who has also failed to respond to several complaints still open against them so it has become apparent fifth third had no intention of resolving these matters and continue to manage my accounts in a neglectful and fraudulent manner.
Consumer complaint received 2023-04-20
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (VA)

On XX/XX/XXXX, I attempted to get a mortgage preapproval letter online. I received a call from XXXX XXXX with Amerisave Mortgage Corporation. I explained to him that my realtor wanted me to get a preapproval letter before I started to look at houses. I told XXXX XXXX that I only needed the preapproval letter. 

During the process, which I thought was to get a preapproval letter, I was asked to pay {$500.00}. I was told this was to lock in a loan rate for a set period of time. I was not interested in locking in a loan rate ; I only needed a preapproval letter, and I told XXXX XXXX this. I asked XXXX XXXX if I could get a preapproval letter without paying the {$500.00}, he told me no. I have never bought or even looked at houses before, so I believed him and paid the money. If he had done what I wanted, which was a preapproval letter, I never would have had to pay the {$500.00} to begin with. I never wanted to apply for a loan, but I was told this is what had to happen to get a preapproval letter. 

After I contacted my realtor and found out this is highly unusual, I asked XXXX XXXX for a refund, he refused. I asked for XXXX XXXX 's managers contact information, which he sent me. I sent an email to XXXX XXXX and never got a response back. 
XXXX XXXX lied to me about whether or not I could get a preapproval letter for free and then charged me {$500.00} for it. I never got the letter. After finding out he lied to me in order to steal {$500.00}, I was too afraid to find out what else he might lie about to continue the process.
Consumer complaint received 2023-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (SC)

I tried to call collections to see when the account started and what items where purchase and wanted to know the agreement and if it was purchased online or in store because I didnt make the purchase but my info was used they couldnt provide me that info all they could do is offer me a reduced price to pay since my info was used but couldnt give me valid info i needed to find out who and what was purchased!
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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 2023-11-13
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. (NY)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-05-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (TN)

I have a significant amount of cryptocurrency with Coinbase. They have wallets and a " vault '' which was recommended to me by Coinbase to put my funds in so that they were safer. I have been trying to pull the funds from my vault into my Bitcoin wallet for 5 months. I have an exhaustive compilation of emails and phone records involving over 20 emails and over a dozenlong phone calls. Their system does not work, and when you call support they claim the phone support people can not resolve it and it needs to be given to a " specialist '' who does not have a phone. Convenient. I have been told more times than is fathomable on the phone and via email since XX/XX/XXXX that my case was being " escalated to a specialist, and they would rectify the problem and release my funds ''. Nothing. Not a single email or resolving my problem. This is criminal negligence. 

My name is XXXX XXXX and my Coinbase account can be provided upon request but I do not wish for it to be published.
Consumer complaint received 2023-12-11
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. (FL)

In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy. 

XXXX XXXX XXXX {$110.00} Opened XXXX XXXXXXXX XXXX XXXX Account # XXXX {$230.00} Opened XXXX XXXX XXXX XXXX Account # XXXX {$380.00} Opened XXXX XXXX XXXX XXXX Account # XXXX {$700.00} Opened XXXX XXXX XXXX XXXX Account # XXXX {$1900.00} Opened XXXX The amount of missed payment and multiple late fees are incorrect. 

Multiple accounts appear several times on my credit report.

The accounts below have violated my rights.15. U.S C 1681 section 602A State I have the right to privacy.

15. U. S C 1681 Section 604 A Section 604 A section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U. S C 1681 c. ( A ) ( 5 ) Section states : No consumer reporting agency can make any report containing any of the following item of information Any other adverse item of information, other than records of conviction of crime which antedates the report more than seven years.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

On XX/XX/XXXX, XXXX XXXX transferred the XXXX XXXX into their name as a repossession. However, prior to that XXXX XXXX accepted payment and returned the vehicle. Thereafter, XXXX XXXX refused to reissue a new title making the vehicle unable to be registered. No further payments were made and XXXX XXXX refused to pick up THEIR vehicle and it stayed on public storage until XX/XX/XXXX. When the property was sold ( location of vehicle ) the XXXX XXXX was notified and an abandoned vehicle report was filed. XXXX XXXX was noticed for auction and served twice and never expressed interest in the vehicle. Finally, the vehicle sold at auction in XXXXXXXX XXXX XXXXXXXX. However, XXXX XXXX continues, and for the last XXXX years, reports the vehicle 180 days late. Purposely, harming my credit.
Consumer complaint received 2018-05-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (AL)

I received a bill from XXXX XXXX XXXX around XX/XX/XXXX for {$320.00}. I immediately called and disputed the validity of the bill. My insurance had already paid the hospital {$5300.00} for my medical care at time of visit ( XX/XX/XXXX ). I also informed them that they filed the XXXX   claim under the wrong SSN which was an indicator to me I was billed erroneously for service not received. I was not contacted again until XX/XX/XXXX when Eastern Account System sent me a debt collection notice. I responded to the office via phone and letter within the 30 day allotted time disputing the validity of the debt and the services. I received an alert from XXXX that a collection was placed on my credit report dated XX/XX/XXXX. This medical collection is less than 180 days old and should not be on my credit report in accordance with the National Consumer Assistance Plan 's initiative.
Consumer complaint received 2023-09-26
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: EQUIFAX, INC. (GA)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX XXXX XXXX  : {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$120.00} ; XXXXXXXX XXXX XXXX XXXX XXXX {$290.00} ; XXXX XXXX XXXX XXXX XXXX  : {$2900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  {$10000.00}.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Transunion will not allow access to my identity protection account. After login it wants authorization code which they are refusing to send!!!! 
After contacting them they instructed me to do things that were completely unrelated to the issue of them not sending verification code. ( My email has been working fine all morning and only the code is not being sent! )
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2023-10-25
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: EQUIFAX, INC. (FL)

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. XXXX XXXX XXXX Balance Owed : {$140.00} ; XXXX  XXXX XXXX XXXX Balance Owed : {$35.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; US DEPT ED XXXX Balance Owed : {$1900.00} ; US DEPT ED XXXX XXXX Owed : {$1100.00} ; US DEPT ED XXXX Balance Owed : {$3200.00} ; US DEPT ED XXXX Balance Owed XXXX {$4100.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1600.00}.
Consumer complaint received 2023-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once moreXXXX 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 2023-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
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 2023-10-25
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these 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
Consumer complaint received 2023-10-25
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. (FL)

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 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 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-25
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. (TX)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 2023-04-20
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. (AR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : US DEPARTMENT OF EDU XXXX Opened XXXX XXXXXXXX XXXX Balance {$1500.00} ; US DEPARTMENT OF EDU XXXX Opened XXXX XXXX XXXX Balance {$1500.00}.
Consumer complaint received 2023-10-25
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. (PA)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (WA)

I have a student loan with Nelnet. On XX/XX/2023 I logged into the Nelnet to verify how much I owed for my student loan, which was {$2500.00}. I served two terms with XXXX and received an education XXXX that can be used to pay off student loans. I logged into the XXXX portal and requested the exact amount of the student loan be dispersed to Nelnet ( {$2500.00} ). According to XXXX, this payment was deducted from my education award and was accepted by Nelnet on XX/XX/2023. As of this date, Nelnet is still charging me interest and says they have no record of my payment. They said their system shows no record and they can not do anything to assist me with the interest that is accruing, nor can they assist me with the payment deadline. I am worried that they still will not have located my payment by the due date and it will adversely impact my credit. I have spoken to Nelnet XXXX different times and tried to speak to the solutions center only to be told they can not find my payment but to keep waiting. They said if they locate the payment they XXXX backdate it but can not guarantee it. I am scared of being penalized because Nelnet has lost my payment. The amount has already been deducted from my XXXX account.
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (SD)

So I have made numerous attempts regarding this account they closed it. He charged it off without telling me and you guys kept saying it is verified blah blah blah. Its legit when it wasnt now after they closed it off, collected their money from the government or their insurance if not both now they reopened it Illegal so Id like to be taken care of now Id like to have a remedy and you know what those remedies are because what they are doing is illegal and Im gon na go to the attorney general too because numerous times complaints with you guys and you dont do nothing Going back all alone with the fraud. Both these credit cards now only ones charged off this one that was charged off months ago is not back open, but I cant go any further back to XXXX and theyre still charging me interest because they reopened it and Ive even showed documents to consumers to protect us from these kind of fraud XXXX to report XXXX XXXXXXXX to XXXX XXXX numerous complaints about you dont do nothing you say its all right
Consumer complaint received 2023-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
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