davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-17
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)

I submitted dispute with CFPB on XX/XX/XXXX for the following item XXXX XXXX They have come back saying the information was verified I am now sending facts showing the inaccuracies with a copy of credit report showing inaccuracies. 

XXXX XXXXXXXX each bureau reports a different date of last activity, different dates listed under " date of last payment '', the balance is higher than the high balance, The open date is different on all 3 bureaus, you said date of last payment was XX/XX/XXXX but in payment history it shows on time payments were made in XXXX, XXXX, and XXXX. how can this be? How can the credit bureau claim information is verified when inaccuracies persist on the credit report? This raises questions about the effectiveness of their verification process and the need for transparency and accountability in credit reporting. At this point, I can't help but feel like I'm being discriminated against. I demand this account be removed asap
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

In accordance with the Fair Credit reporting Act XXXX XXXX XXXX XXXX 15 USC 1681 Section 102 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-10-17
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

I filed a Dispute about XXXX I never got out the ATM. 3 months later they are still telling me the same thing as I first day. File a Dispute and we'll be in touch. That has happened 3x and still no Result. They have stole my money but act like it's ok because I can't prove it. NOT FAIR. NOT HONEST.
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

in accordance with 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions
Consumer complaint received 2024-04-04
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. (NY)

This item XXXX XXXX XXXX XXXX XXXX XXXX XXXX account credit Report is inaccuracies Payment history and last Date of activity and Balance are all incorrect Delete it from my credit Report Immediately
Consumer complaint received 2023-10-17
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

XX/XX/2023 I placed an order online for two pairs of XXXX. My credit card was charged {$26.00} for XXXX pair to be picked up in store and {$26.00} for XXXX pair to be shipped to my house. I had accidently selected the wrong store ( it defaulted to XXXX in SC where we were visiting at the time of the order ). When the order was ready for pick up, I realized my mistake and called on XX/XX/2023 to have the order exchanged and have the order sent to the correct store. The rep could not exchange it but told me they would cancel, refund the order and sent me kohls cash to ensure I could order to the correct store at the same price. 

On my statement, the refund for the order shows as XX/XX/2023 Return at XXXX XXXX and a refund of {$16.00} was placed. 

I waited expecting to receive the rest of the refund ( {$10.00} as the total paid was {$26.00} for the returned pair ). 

I contacted kohls today XX/XX/2023 looking for the refund. I was told that because of " kohls cash '' issued and used, I was only entitled to a refund of {$16.00} which was already applied. This was never explained by the first rep. I spoke with XXXX different customer service reps ( XXXX and XXXX XXXX and neither would fix the mistake. I should not have to pay {$10.00} for a pair of shoes I do not have in my hands. The order was canceled and a full refund should have been given. I asked to speak to a manager and XXXX XXXX came on the chat. She sent me their FAQ and also would not assist. 

I want them to review the call to see that the rep who helped me with the return was wrong, they should have explained the kohls cash situation because I would have returned the other order. This is predatory lending. No other company partially credits you because of a coupon they give you for shopping at their store. When I brought that up I got the same " I'm sorry '' response.
Consumer complaint received 2022-10-05
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. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NY)

A promotional purchase was made on XX/XX/2023 for {$6900.00} for a 24 month promotional deferred interest with XXXXSYNCHRONY CAR CARE. 
Monthly payment options were discussed at the time with a XXXX representative that monthly payment amounts would be approximately {$290.00} per month. 
Synchrony monthly statement was issued on XX/XX/2023 with the minimum payment of {$340.00}. Synchrony customer service explained that this was calculated at 5 % of the outstanding balance, It also stated I agreed to the terms and conditions of this purchase. 
I was never given this information at the time of purchase. The higher minimum payment is unexpected and does create a hardship on my monthly budget since I am on fixed income and not employed.
Consumer complaint received 2023-10-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

Since I received notification regarding my account on your platform www.coinbase.com and the Coinbase app will be limited to sending funds only as of XX/XX/, because they are disabling the access to accounts that no longer meet your updated standards for these services. Also they advised me that this is a temporary measure and you may soon open up the option for you to meet KYC requirements that would allow us to access our products and services again. However, their platform presents problems in complying with this request. I only was able to update my ID on the platform by uploading my national identity document ( XXXX ), but not my address despite a huge amount of attempts, uploading the different document alternatives that they mention on your platform, I am always rejected by the platform authentification process. My account does not have a lot of money ( XXXX dolars ) but I do not want to lose it because Coinbase are unilaterally determining this because you are not generating adequate means to comply with KYC requirements. 
The case number give me for the support team of Coinbase ( XXXX # XXXX ). Today I received a reminder to enter new information to avoid account closure on XX/XX/XXXX. I need a definitive solution to the platform problem. 
They inform me that if I do not do so before XXXX, my account will be cancelled and I will lose my money. 
I feel that the platform is failing on purpose and thus harming small foreign investors. They excuse themselves because of the regulations that have been imposed on them in the XXXX. Since XXXX I have not been able to sell the XXXX fraction I have and the price has not stopped falling, losing resources from the little savings I make from my work. I feel that they are taking advantage of me for having invested from XXXX in their platform. To date I can not make sales or transfers because I have not validated documentation, which is impossible to do because of the failures of the page and Coinbase application.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX  claims I took out a loan that I never did take out ask for the paperwork showing where I signed for the loan they never gave me the paperwork or sent me anything showing I sign for the low this was opened under an address that was not even my address and address that I have never lived at I did not open this loan or take out this loan the address isn't even mine please have them delete this from my XXXX and Experian credit report
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I am writing to complain to EXPERIAN about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2023-10-17
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: Experian Information Solutions Inc. (RI)

These accounts have an error that hurt me. These negatives that I did not make are on my credit report. 

XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX
Consumer complaint received 2023-10-17
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Adjustment Company Incorporated (CA)

Consumer Adjustment Co bought an old payday loan that had already been on my credit report & paid off over a year ago & theyre REPORTING IT AS NEW & ruining my credit when Im looking for an apartment.
Consumer complaint received 2023-10-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (FL)

A XXXX transfer was initiated in XXXX from Ally Bank for {$500.00} to XXXX XXXX. When the funds were not received I asked what happened and was provided a tracking number. The receiving bank indicated that they had not received and the transferring bank should make a request to the receiving bank to reverse the transaction. The transferring bank refused indicating it was my error and tough luck, I verified the account but that was not where it was sent. and they sent me to the portal which does not provide the detail. I asked for a supervisor call back 2 weeks ago, still waiting.
Consumer complaint received 2023-08-22
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)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX  XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX
Consumer complaint received 2018-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (PA)

I tried to have them remove false information. 
I would like to know their Rules and procedures for obtaining bankruptcy information. I have been in correspondence with XXXX XXXX XXXX, U.S. bankruptcy court And he stated the court does not communicate or verify information directly with the credit reporting agencys.
Consumer complaint received 2023-10-17
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/, XXXX alerted me to a hard inquiry on my credit report from Capital One Bank USA. I did not apply for this or ever authorize them to review my credit. I would like this inquiry removed ASAP.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A. (CT)

Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX SSN : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX SD XXXX This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct XXXX ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed : Bureau : XXXX Creditor Name : XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Bureau : XXXX Creditor Name : XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

As long as these inquiries are removed from my credit report, then I will be satisfied. Otherwise, if you are in possession of any document that has authorized your company to make inquiries into my credit report or proves any type of permissible purpose ( as outlined in FCRA Sec. 1681b ) then I request that a copy of any such document is immediately mailed to my address listed above so that I may review it.

If you do not possess any such inquiry authorization, then I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my requests. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

XX/XX/XXXX, I took a taxi in XXXX that charged me XXXX XXXX   and paid with my Citizen 's bank Mastercard. ( Receipt attached ) As you will see in my statement, attached, there are two back-to-back transactions : XXXX Sum-Up XXXX  - {$2100.00} ( this is fraudulent and in the claim ) XXXX XXXX  - {$24.00} ( this is the ok taxi charge ) XXXX XXXX, XXXX - I opened a case with Citizen 's bank # XXXX and spoke with Customer Service Rep XXXX. 

XXXX XXXX, XXXX I followed up with Citizen 's bank and an associate by the name of XXXX gave me the following Claim number : # XXXX -XXXX XXXX  I received a letter dated XX/XX/XXXXXXXX  stating that my claim was denied. 

The bank has failed to show proof of such a large transaction which usually requires identification and a signed receipt- {$2100.00} transaction. 

The bank is failing to attend to my claim and dispute. 

Thank you for your help,
Consumer complaint received 2023-06-22
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (VA)

My mom, brother, and dog all passed away in my house in XXXX within less than 2 months a week before Covid 19 shut down everything. Freedom Mortgage called me and asked me about forbearance. I was hesitant because I was waiting for my adjudication, but they reassured me that all was easy and wouldn't affect me in anyway. So, they talked me into it to help pay other bills. ( All before I got adjudicated ) When it was time to have everything moved to the end of the loan and start paying again, they wouldn't send me the paperwork to sign. After over a year, I told them that I moved closer to work and all of a sudden paperwork showed up. Yet still after another month or so and several phone calls later. However, when the paperwork finally got to me it was wrong. It had my ex-wife on the paperwork. They had me send in different papers to prove she shouldn't be on there but come to find out, they told me the wrong papers, needed more paperwork, and couldn't find the paperwork. After pressing that they did have it they were able to find it different times. I had the VA, XXXX, and fianc ( now wife ) all on the phone calls with and without me. They also gave the XXXX XXXX XXXXXXXX ( XXXX XXXX, XXXX XXXX. XXXX ) a very hard time and wouldn't work with him or answer his questions. They wouldn't even give the VA a payoff letter because I had received one fouXXXX months earlier. FMC refused to stop the sale that never should have been started in the first place. There were much more correspondences between each but never was able to get foreclosure stopped so the buyer could purchase. I was told by the VA that over 90 % of the company ( Freedom Mortage ) were XXXX and of them, over 50 % were being forced into foreclosure. 

The buy was paying cash. All funds had been verified and earnest money paid along with paperwork for closing signed already and they still wouldn't stop it. VA stated that I owed XXXX  XXXX ( ish ) and the buyer was paying XXXX XXXXXXXX which is what it appraised for by the appraised they hired. It sold for XXXX  XXXX and FMC said I owed XXXX  XXXX ( ish ). It is my understanding that they wrote that part off but who knows. They didn't do anything else they said before. My point is, if it was never supposed to be in foreclosure ( per them ), how can they charge me the XXXX XXXX ish? How can there be extra fees if they wouldn't give me a monthly payment or get the paperwork to me? I was even told by the VA that Freedom cliental was like 90 % XXXX and that at least 50 % were being forced into foreclosure. FMC recorded the calls and we have a call or two recorded also. If someone could get the recordings from them, it would be very obvious that they forced me into a foreclosure. 

Please help. Even if I can't get my stuff fixed, It would be nice if they didn't do the same to others. I really would like to get what I deserve out of it and fixed. 


Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (TX)

My current student loan servicer is MOHELA. I received an email from MOHELA on XX/XX/2023 that instructed me to call in to discuss available options to bring my account current. Since that time I have called MOHELA several times, including 3 times on XX/XX/2023 and once on XX/XX/2023. Between these phone calls I have been placed on hold for over XXXX hours and each call resulted in the line being disconnected rather speaking to a representative. Their automated phone service says that I can arrange to get a call back rather than waiting on the line, but I tried this several times and never received a call back. I also tried to call MOHELA earlier than that, on XX/XX/2023, which was not successful after I was told the hold wait time would be over XXXX hours. I find this to be an outrageous use of my time. I work full time and the time I can not afford to be on hold for over XXXX hours. It was MOHELA who instructed me to call them, and yet they do not appear to answer phone calls. They also provide no email address for communications. They are telling me they are sending debt collectors but I have had no opportunity to speak with someone about my issue ( which, on a separate note, appears to be that the payment was sent to the wrong account )
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.