davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
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)

I have reviewed my credit report and noticed that I have several Late Payments that reported to one account. This account is being reported inaccurately on the XXXX Consumer Credit Report several times, and I have requested that this be investigated and the inaccuracy be updated from a " past due '' status to a " Pays account as agreed '' status. The Consumer Reporting Agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached screenshots of the credit report showing the specific inaccuracies. I am now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to " Paid or Paying as agreed '' immediately. Thank you in advance for your understanding and prompt action.
Consumer complaint received 2021-05-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (IA)

I have a loan through Community Loan Servicing, I applied for a loan modification back in 2019, after months in the application process they finally approved me, but they did right in the middle of the COVID 19 crisis. I made two payments in the three payment agreement but my hours were cut cut to the crisis, and I ask for a forbearance, And I was granted it. After I was granted the forbearance, Community then said that the modification is in default. I have returned to my work full time and have been promoted to a higher pay than I was when I was granted the original modification. I have applied for a new modification but they also are stating that they might proceed with foreclosure proceeding as well after the forbearance ends at the end of XXXX. I believe that this practice is unfair, and is meant to deceive the mortgagee holder that they had protections under a forbearance they really did not have.
Consumer complaint received 2021-05-17
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc. (VA)

I submitted compliant # XXXX which the retailer said the resolved by giving me a refund and sending me a new card on XX/XX/XXXX. I have never received the new card and it is now XX/XX/XXXX. I need this compliant reopened and have my new card sent to me. 

This is their response : Due to the claim of unauthorized activity on your account, we have replaced your card as a security precaution. Replacing your card will help protect your account and stop unauthorized activity from continuing. You should receive your replacement card within 7 to 10 business days. However, due to COVID-19 there may be additional delivery delays with the postal service, so please allow up to 15 business days for the delivery of your card.
Consumer complaint received 2021-05-17
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)

I recently received a copy of my credit report and found an item on the report that is inaccurate. The account in question is XXXX XXXX XXXX. This account does not belong to me. It belongs to a relative with the same name that lives at another address.
Consumer complaint received 2021-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

transunion has a debt buyer account that is loaded with incorrect amounts and dates and I have disputed 3 times and they lie and tell me its verified. This account shows last payment made being XX/XX/2017 then you look in the payment history ( which is correct ) shows last payment being OK was XX/XX/2017 but the payment that was made shows {$0.00} for the amount. It was paid in full and closed. It was never a charge off. 

It shows purchased by another lender. But on the report the lender does not show who owns it. So the transunion employee give me a name and I call that debt buyer and they tell me they do not own that account and i cant get any one to tell me who owns it,. 

So my main question is this ... if the company that transunion gave me as being the new owner does not own the account anymore, who is verifying the account as accurate? This is where the lies are told. no one is verifying this because as of this day the last owner known to Transunion no longer owns it so i caught transunion in a lie. It shows I paid it off in full as a charge off paid in full. NOT SO. it was paid in XX/XX/2017 and it shows in the pmt history. Up at the top in the summery it says XX/XX/2017 last payment made {$0.00} This needs to be removed.
Consumer complaint received 2021-05-16
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. (CA)

XXXX XXXX, and Experian continue to report fraudulent info on my credit report. According to the FCRA i have the right to dispute incomplete and inaccurate information. i never gave consent to any consumer reporting agency to furnish my information. No consent by law is identity theft. According to usc 1681 ( b ) a consumer can only furnish something in accordance with the written instruction of the consumer to whom it relates. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX  XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX
Consumer complaint received 2021-05-16
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: EQUIFAX, INC. (CA)

XXXX, Equifax, and XXXX continue to report fraudulent info on my credit report. According to the FCRA i have the right to dispute incomplete and inaccurate information. i never gave consent to any consumer reporting agency to furnish my information. No consent by law is identity theft. According to usc 1681 ( b ) a consumer can only furnish something in accordance with the written instruction of the consumer to whom it relates. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XXXX XXXX XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-02
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: EQUIFAX, INC. (FL)

There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (NV)

AAIn 2018 I contacted all of the major credit reporting agencies about a collection account that was added to my credit report that violates the FCRA. Jefferson Capitol Syst did not contact me regarding this collection account prior to submitting to the credit report agencies and that is a violation of my consumer rights. I submitted documentation to have this account verified and removed and it was removed from credit report in 2018. This same account has reappeared and again, this account was not verified and this collection agency did not contact me prior to submitting it to the collection agencies. Also, this collection agency is not licensed to collect in the state of Nevada according the Secretary of State for Nevada.
Consumer complaint received 2022-11-02
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. (FL)

There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-05-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (AZ)

I used leveraged money on top of my own to open a position with Robinhood upon cashing out the money to 1. Settle an account deficit per Robinhoods rules and regulations and 2. To withdraw the funds collected from the crypto that I profited I was surprised to see that my account had reversed charges and all of my linked bank accounts required further review I was not aware that trading a leveraged position using margin on a crypto currency would cause my account to need further verification and would leave the {$23000.00} dollars that were gained in financial limbo. Not only is the money sitting there in my withdraw-able cash portion of my account upon contacting Robin Hood I was told they would verify my accounts within 5-7 business days ( which they havent ) and that I need to contact their customer support on a separate ticket if the problem persisted, I did as instructed and was told theyd reach back to me in 2-3 business days ( which they also havent ).

Now I have no clue as to whether Im supposed to get a lawyer to access my money or to continue to wait a ludicrous amount of time while thousands of dollars just sit in limbo. I feel robbed and taken advantage of
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these Items to be authenticated ( A ). I will take legal action against you if you do not validate these Items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (MD)

I have reviewed a copy of my credit report and I show company ALLY FINCL account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-05-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (MI)

On XX/XX/XXXX at about XXXX  hours my coinbase account was hacked. I received a text message with my coinbase verification code. I was using XXXX XXXX for coinbase. Seeing how I was not active at that time i immediately became suspicious. At that time I was able to still log into my account. I logged into my account and while logged in I could see my balances changing right in front of my eyes so my initial reaction was to just sign out. 

I was hopeful this would also sign out the hackers, Unfortunately I was wrong. Shortly there after I received a slew of emails stating I had transferred a bunch of bitcoin to two different wallets. From XXXX to XXXX there were 8 different transactions sending bitcoin to an outside wallet. One of the XXXX wallet ID 's is as follows. XXXX. Unfortunately I only have the one wallet ID from a screen shot. I never moved the trash emails to my inbox and they automatically deleted after 7 days which I was unaware of. 

I filed fraud claims with coinbase twice and have the following case numbers. XXXX ( first claim on XXXX ) and XXXX ( filed XX/XX/XXXX ) I immediately took all the steps recommended by coinbase but here I am 9 days later and not a step farther with them. They replied with a generic email but I am still unable to log into my account at all. I locked my account out via their phone system and thought all was well. 

3 days later on XX/XX/XXXX I check my bank account and see 7 withdraws from my bank account of {$200.00} each to coinbase that are still pending. I call my bank right away and put a stop payment on all those transactions. They stated i would get my money back but I haven't from the bank yet either. 

I can't log into my coinbase so I don't really know what my account looks like or there but I assume it's been wiped clean. A quick internet search revealed I am one of many that have fallen victim to a very similar scam. Coinbase customer service is non existent. 

I don't know what else to do. Please help.
Consumer complaint received 2022-11-02
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: EQUIFAX, INC. (GA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, GA XXXX 4. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX 5. XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX 6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
8. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX 9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, GA XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, GA XXXX 11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
13. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
15. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Delete this account. 
16. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
17. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
18. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2021-05-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: BAM Management US Holdings Inc. (CA)

my binance.us ticket # XXXX.My binance.us account can not be deposited, can not withdraw cash to the bank, and can not withdraw cryptocurrency to my digital wallet. Because on XX/XX/XXXX, I transferred money from my XXXX XXXX  account to binance.us account, the amount was $ XXXXusd, and the transfer was successful immediately. But on XX/XX/XXXX, I received an email from binance.us and refunded my $ XXXXXXXXusd. The reason should be that my bank card was less than $ XXXXusd, and I was asked to deposit the money in binance.us as soon as possible. Account, but later I discovered that binance.us has disabled deposit usd, withdrawal of usd, and withdrawal of encrypted currency. I cant deposit {$1500.00}. I can only sell the encrypted currency in my account until {$1600.00} in my binance.us account. With {$1600.00}, they still don't unlock my account. Today I still can't deposit usd, can't withdraw usd to my bank, and can't withdraw encrypted currency to my digital wallet. The current binance.us account contains {$20000.00} worth of cryptocurrency, XXXX dXXXX and XXXX XXXX. This is the problem I am facing now. I couldnt find the customer service number of binance.us. I emailed them without replying. I left a message on XXXX. They would only say that they had helped me with feedback and would contact me soon, but I couldnt wait for their email. There was no reply at all. I searched the Internet for problems like mine, and found that many American citizens face the same problems as me, unable to withdraw cryptocurrency, unable to withdraw usd to the bank. I really dont know what kind of binance.us is. The company has such poor customer service, which is unique in the world. They don't care about the loss of customers, and don't care where the customers ' money is. Doesn't binance.us do things in accordance with the laws of the United States????? I am very, very worried now, I am afraid that all my money will be taken away by binance.us and swallowed by them. I was desperate these few days. I asked a lawyer for consultation. He said that binance.us has a lot of power in the United States and a large sphere of influence in the United States. This lawyer is not willing to help me, but this lawyer asked me to go to Consumer Financial The Protection Bureau asked for help and asked the Consumer Financial Protection Bureau to help me. I always believe that the United States is a powerful country and a country under the rule of law. The Consumer Financial Protection Bureau can help people like me. The existence of the Consumer Financial Protection Bureau can make those who are irregular, distorted, and dark The transactions are regulated and corrected. Thank you very much Consumer Financial Protection Bureau
Consumer complaint received 2021-05-16
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)

On XX/XX/2021 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 feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.