davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I sent my FTC report, PA license, and 15 USC 1681c-2 to Transunion, XXXX, And XXXX through certified mail. I requested to block the fraudulent information from my consumer report.
Consumer complaint received 2022-11-01
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: Experian Information Solutions Inc. (NV)

My XXXX XXXX Home Mortgage Account is reporting that I have late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. But I never was actually late. This is a documentation error on their end. I even was emailed a confirmation from my payments. I've attached proof of payment. I don't want it to report that I was late when I really was. I pay all of my bill on time.
Consumer complaint received 2021-05-17
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: Experian Information Solutions Inc. (IL)

I traded a vehicle 13 days before my due date XX/XX/2020 on XX/XX/2020. It was a 54 month term I had the car less than 24 months. The creditor listed me as late for XXXX and XXXX payment and sent me a final payoff letter dated XX/XX/2020. 
That documentation alone corroborates that I wasn't late in addition to the fact that I was no longer in possession of the vehicle after XX/XX/2020. I disputed with all 3 credit bureaus supplied documentation in addition to the paid in full letter and state tax forms specifying the date of the trade in. They all sided with the company who were paid off but each one of the bureaus have the dispute results listed as paid in full but the late payments are hampering my credit growth. XXXX XXXX XXXX out of Michigan has the propensity to berate under served customers and communities per the XXXX
Consumer complaint received 2022-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

My US Bank Home Mortgage Account is reporting that I have late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. But I never was actually late. This is a documentation error on their end. I even was emailed a confirmation from my payments. I've attached proof of payment. I don't want it to report that I was late when I really was. I pay all of my bill on time.
Consumer complaint received 2022-11-01
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: EQUIFAX, INC. (NV)

My XXXX XXXX XXXX XXXX XXXX is reporting that I have late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. But I never was actually late. This is a documentation error on their end. I even was emailed a confirmation from my payments. I've attached proof of payment. I don't want it to report that I was late when I really was. I pay all of my bill on time.
Consumer complaint received 2022-11-01
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Chime Financial Inc (TX)

So back on XXXX the XXXX on a Sunday I went to a salon shop to get my hair done I had swiped my card there 5 minutes after I left I got some unknown transactions that I went to a gas station ( XXXX ) and it had took all of my money out my card I immediately called my bank ( chime ) I let them know that I got scam someone took my money they even blocked all transactions for me and gave me a replacement card I even called the police and report it and I got the police report so days goes by my bank had refunded me half of my money but not all of my money I ask why I cant have all of my money back they said they needed proof so I sent them the police report that I made that day and I sent them screenshots and proof I was at the salon that day and they still wont refund me my money back and each and everyday I keep calling and asking for my money back because they took a lot of money out of my card and I work hard for it I just wanted my money back I cant loose my money not like this please help
Consumer complaint received 2024-03-26
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: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please Remove/Block these fraudulent accounts from my credit report in 4 days of receipt. I am writing to you to express my deep concern over the fraudulent information on my consumer report. I was shocked to learn that I am a victim of identity theft, which has resulted in a negative impact on my credit history and my financial wellbeing. This has been hurting me as I am in the process of buying home for my family. I am emotionally distressed and need these fraudulent accounts removed ASAP. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (NV)

SLS Servicing incorrectly reported to the credit bureaus that my loan payments were late from XXXX through XX/XX/2020. The loan was in forbearance, but the loan was still reported as late. I have called and written SLS many times disputing this reporting. They state that it wasn't reported as late, but I've sent a copy of my credit report to SLS showing this as late. This has caused severe hardships and prevented me from buying a home.

I have attached the formal dispute letter which was sent to SLS.
Consumer complaint received 2016-10-28
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY (MN)

I keep receiving a credit card statement from Wells fargo for a credit card that i never opened with them. I spoke to them and told them that i never opened this account ; they closed the first account and opened a new one and transferred the balance tot he new account.
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. (IL)

I am so stressed and so disappointed that this is happening to me and my credit report. Not only is it very embarrassing, it is clearly either your fault or the company 's fault for reporting this inaccurate information. Remove late payment annotations and update to paid now or as agreed.
Consumer complaint received 2023-05-03
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. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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.
Consumer complaint received 2022-11-01
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. (AL)

I DISPUTED THIS FRAUDULENT INFORMATION REPORTING ON MY CREDIIT REPORTS THAT I DO NOT OWN I HAVE FILED REPORTS AND GIVEN PROOF. 
Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( XXXX ) you failed to notate this account was in dispute within 30 days now this account in violation
Consumer complaint received 2021-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (NY)

I opened a XXXX card account and have been using it for many many years but for the last 2 months I can't access my money. My daughter also has an account and can't logon to access hers neither which made me learn that all XXXX card holders have not been able to logon or have any access to our accounts. Do a simple search and you will see hundreds complaining of the same and it's been months. I troubleshot the issue on all kinds of XXXX  tablets and computers to check ( I'm a professional XXXX  ) and it's all the same the XXXX  app nor website has logon ability. See screenshots of their website and XXXX  app. blocking logon XXXX has no access for anyone. Noone can withdraw their money!!! I've contacted them several times in all aspects such as customer service forms, direct emails and phone numbers which, myself nor my daughter or others have never received a reply or have been able to get a amex representative live person to pick up the call. It's been months now and so it is absolutely criminal on their behalf to steel our money. I don't know what else to do so I'm looking for help. 
Thank you and I appreciate any assistance you can give us to get our money out if XXXX
Consumer complaint received 2017-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

Equifax lists a public record judgement on my credit file as  XXXX  as reported as of  XXXX    XXXX  . I have no knowledge of this public record and it has not been reporting on my credit report. I have lost points from my credit score because of this reporting and it is damaging my report and hindering me from obtaining credit. Please remove this public record.
Consumer complaint received 2023-08-09
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, has violated my rights. 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: 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: EQUIFAX, INC. (NC)

I have reviewed a copy of my credit report and I show company XXXX 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 2021-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (MA)

My account was transitioned from XXXX to BBVAUSA.com last week, and now I can't access my account, it says it has been " locked for security reasons '' and that I need to call their phone number for support. I've attempted to call them several times and after waiting on hold for an hour I was hung up on. I can't get through to a human, and I can't login to my account and access my funds.
Consumer complaint received 2020-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I HAVE SOMES ADDRESSES ON MY CREDIT REPORT THAT ARE NOT MINE. SOMEONE WAS USING MY NAME AND INFO FOR ACCOUNT THAT DO NOT BELONG TO ME. PLEASE DELETE THE FOLLOWING ADRESSES : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX
Consumer complaint received 2021-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

XXXX RECD CALL FROM XXXX XXXX XXXX XXXX XXXX .CALLER ID XXXX XXXX XXXX .FILE # XXXX XXXX. SHE TRANSFER ME TO XXXX XXXX XXXX XXXX. SHE SAID SHE HAS A CIVIL COMPLAINT VS ME FOR CAPITAL ONE VISA ENDING XXXX. 
TOLD HER NEVER HAD A CAP 1 AND NEVER RECD SUMMONS AND COMPLAINT. SHE SD I DID IN XXXX ( DID NOT REC ) SHE WENT ON TO SAY WAS MY CARD VRFYD BY NM/DOB/SSN AND UTITITIES AT 2 ADDRESSES IN XXXX XXXX ( XXXX XXXX  ) WHERE I NEVER LIVED. XXXX XXXX XXXX # XXXX XXXX FROM XXXX AND XXXX XXXX XXXX # XXXX XXXX. XXXX TO XXXX. I NEVER HAD A CAP 1 -- I NEVER LIVED NOR HAD UTILITIES IN XXXX XXXX. NOW LOOKING AT MY SKIP INFO THEY ADDED THOSE ADDRESSES TO MY NAME ON MY LIFE SEARCH. I LIVED ON XXXX FROM XXXX TO XXXX THEN FROM XXXX TIL NOW ON XXXX IN XXXX. NO WHERE ELSE NO OTHER UTILITIES IN MY NAME. SHE SAID THEY ARE USING A -- TOLLING CLAUSE -- TO FILE AGAINST ME ON XXXX TOMORROW AND LEANING MY PROPERTY.
Consumer complaint received 2016-01-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

This concerns case # XXXX. We contacted Wells Fargo again today. There seems to be good news. I had my son XXXX XXXX speak for us. He spoke to someone at Wells Fargo named XXXX. XXXX has agreed to review this whole case anew.
Consumer complaint received 2023-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've been a victim of identity theft and these fraudulent accounts and inquiries are still listed on my credit report. I reached out before and the credit bureaus are failing to remove all fraudulent accounts and inquiries. they are willingly breaking the law and infringing on my rights. my reputation is being ruined and I need these accounts and inquiries removed immediately because they do not belong to me and they are inaccurate as well
Consumer complaint received 2021-05-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NM)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-05-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY (VA)

XX/XX/16 : received a bill in the mail for my real estate property taxes, half 1, in the amount if {$1000.00}. I have been paying into my mortgage with VHDA from my monthly payments and so my property taxes are supposed to be paid by my lender. By me getting this bill, I can only assume they have not paid them for 2021 year. This lender has been paying my property tax for the past two years. I have not changed lenders, I have not refinanced my house, nothing has changed except I switched insurance companies for my house. I do not understand why I am getting this bill when I have not received one before. They have always been paid by my lender.
Consumer complaint received 2021-05-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (IL)

I had account with coinbase for over 2 years. I placed trades on and off. In XXXX I took radical decision, I decided to become an active day XXXX  in XXXX. I refinanced my house and put over XXXX in my coinbase account. I was doing very well. I was able to raise my account to over XXXX before They decided to lock my account. All I asked to help me access my taxes information to file my taxes. All of the sudden teceived an email from them saying we locked your account and they gave me instructions how to get my account back. It has been over week, I send over XXXX emails through their help desk because they dont have life customer service with no luck. All I received from case no and email stating that we assigned your case to a specialist and he will get back to you. I lost over XXXX since they lock my account. In XXXX market one week is too long. I am day XXXX and I close my trade either daily or next day. Another incident happened to me over month ago. They executed a stop limit sell I put on coin way below market price. They executed my trade at the stop limit price I put even though market price has not reached that price. They also send me case no with email stating that specialist will look into it. It has been over a month and I have not heard from them. I really hope you can help me regain my account back.. I am sure I am not the only victim. I really hope someone will investigate what s going on inside coinbase because they are committing frauds. Your help is greatly appreciated
Consumer complaint received 2021-05-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I was unemployed and receiving unemployment benefits from the Maryland unemployment, however the Maryland unemployment agency randomly selected some unemployment accounts that were using Bank of America debit card as payment method for a identification verification purpose. which means that my UI debit card was also put on a temporary hold/Deactivate. The identity verification review process were completed and, my account was clear and open by the Maryland unemployment, however My UI debit card remains closed. The Maryland unemployment contacted Bank of America to open my card and reactivate my debit card on the XXXX of XXXX up till now they have refused to do that. Multiple emails has been sent to Bank of America in regards to reactivating my UI debit card, but bank of America has refused to open my Unemployment debit card.
Consumer complaint received 2024-03-08
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. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.