davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (OH)

My mortgage company is auctioning my house XXXX XXXX, 2015. I never received court notice of them trying to do this, I was lead to believe that they were trying to help me save my home. All of the modification paper work that they have sent me, I have faxed and mailed back, each time I finally get them to answer they tell me, I have a page or XXXX missing, so I resend the page they say is missing only to be told a different page is missing. I have even resent the whole packet of paperwork. They are also saying I owe {$30000.00} on a loan that was refinanced through them 14years ago. that was originally XXXX. I recently submitted the modification paperwork again, and have been leaving messages and have not received a call back as of today.
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (VA)

Hello I contacted Best Buy credit card ( citi bank ) because of interest fees on my account. When I first opened my credit card with them I was told I wont get charged interest fee if I make my minimum payments each month. And unexpectedly Im getting charged interest. Misinformation was provided to me and company should be hold accountable. Also theres a recorded conversation between me and the representative
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have attempted to have a credit card which I paid off in full on XX/XX/XXXX, XXXX XXXXXXXX XXXX. I have called and submitted a dispute online with Experian because the account is listed as included in a bankruptcy however that information is incorrect. The XXXX XXXX Account was paid in full and closed at my request in XX/XX/XXXX not included in a Bankruptcy in XXXX. 

I have submitted a dispute on this matter online through the Experian website on the following dates and uploaded my last credit card statement on the following dates listed below and the matter has not yet been resolved it comes back as already verified. 


Experian XXXX XX/XX/XXXX XX/XX/XXXX ( not resolved ) XX/XX/XXXX XXXX
Consumer complaint received 2024-04-02
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. (FL)

I am writing to express my extreme dissatisfaction and frustration regarding the ongoing issue of fraudulent items on my account. Despite my repeated efforts and numerous attempts to rectify this situation, I am dismayed to inform you that the problem persists, with a fifth attempt to remove the fraudulent items being made recently. 

As I have previously reported, my account has been subjected to unauthorized transactions and fraudulent activities. Each time I have contacted your customer service department to address this matter, I have been assured that corrective action would be taken promptly. However, despite these assurances, the fraudulent items continue to appear on my account statement, causing me significant stress, inconvenience, and financial strain. 

I demand immediate and decisive action to thoroughly investigate these fraudulent transactions and ensure their complete removal from my account. Additionally, I expect transparent communication regarding the steps being taken to prevent similar occurrences in the future. 

Furthermore, I urge you to provide appropriate compensation for the considerable inconvenience, stress, and financial harm caused by these fraudulent activities and the repeated failure to resolve the issue satisfactorily. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$7600.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXXX Balance XXXX : {$7600.00}.
Consumer complaint received 2023-06-18
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. (NJ)

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  ( date of inquiry : XX/XX/2021 ), Account name : XXXX  XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX , 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 2023-09-04
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. (CA)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$5900.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX XXXX XXXX : {$5800.00} XXXX XXXX XXXX XXXX XXXX XXXX {$9300.00} XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX  : {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$3900.00} XXXX XXXX XXXX XXXX XXXX  : {$18000.00}
Consumer complaint received 2022-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

( XXXX XXXX XXXX  XXXX XXXX willfully misreports my " current correct address '' to all credit bureaus XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX XXXX XXXX  XXXX XXXX willfully misreports my balance of my credit card and allows unauthorized charges to be charged to my credit card, in spite of many warnings ( XXXX ) XXXX did not remove the unauthorized inquiry from in spite of many warnings
Consumer complaint received 2023-06-18
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: Bread Financial Holdings, Inc. (PA)

XXXX XXXX has been calling me every single day around 7 times a day maybe more and it hasnt stopped. I have XXXX issues regards to my XXXX right now that this constant phone calls isnt helpful whatsoever.
Consumer complaint received 2022-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On XX/XX/2022 I 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 I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

Equifax continues to house incorrect invalidated information causing great harm and damage to my personal life/consumer report. 
Equifax continues to violate my consumer rights, while breaking the law by ignoring FCRA FDCPA and XXXX XXXX compliance guidelines.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I filed bankruptcy XX/XX/. XXXX was included in bankruptcy. XXXX is still reporting past due payment with a balance. I disputed with Transunion and XXXX yet information is still not updated. My lawyer states that this is against the law
Consumer complaint received 2018-10-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I am currently working with XXXX XXXX, XXXX, Realtor from XXXX XXXX XXXX on a short sale on my property. 

On or about XX/XX/2018 her negotiator, XXXX XXXX from XXXX XXXX XXXX prior filed the short sale request and all the documents with Specialized Loan Servicing ( aka XXXX ). XXXX XXXX received a confirmation / acknowledgement e-mail from Specialized Loan Servicing regarding the short sale. The file was assigned to XXXX at Specialized Loan Servicing ( aka XXXX ). 

Although we filed for short sale and Specialized Loan Servicing ( aka XXXX ) acknowledged receipt of such on XX/XX/2018, XXXX XXXX XXXX  for bank/servicer/trustee filed a Motion to Reschedule Foreclosure Sale on XX/XX/2018 and set it for hearing on XX/XX/2018. ( See attached documents ).
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I would like to get a full validation of this account the XXXX XXXX including a the original signed contract with my signature if they can not verify this account according to the FCRA laws I would like this account to be remove immediately XXXX # XXXX
Consumer complaint received 2023-04-13
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. (IN)

On XX/XX/XXXX, I applied for an auto loan with XXXX XXXX XXXX through XXXX XXXX XXXX Imports dealership. I make it very clear to them that I did not want my credit ran through any other companies. Somehow, my credit got ran at XXXX XXXX XXXX which, again, was against my wishes and instructions. On XX/XX/XXXX, the dealership provided me with a letter addressed to Equifax asking them to remove the inquiry from XXXX XXXX XXXX XXXX as it was " inadvertently sent to Teacher 's XXXX XXXX on XX/XX/XXXX, in error. '' I then wrote to Equifax on XX/XX/XXXX, asking them to remove the unauthorized inquiry and provided them with a copy of the letter I had been given by XXXX XXXX. As of todate, the inquiry has not been removed. I have followed up with the dealership and they are at a loss of how to resolve this.
Consumer complaint received 2018-10-15
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. (ID)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

I have an account on Coinbase ( cryptocurrency ). I have made prior purchases/transactions for bitcoin and ethereum with Coinbase. I have already sold one of my bitcoins however a 2nd bitcoin I purchased in XX/XX/XXXX is not available for my use/sale at this time. I had received an update this past year regarding concerns of identify/online thefts of cryptocurrency  and I moved my 2nd bitcoin into a vault that required 2 factor email verification. Unfortunately I left the job that the 2nd email was associated with later this past year and no longer have access to that email account. I have emailed Coinbase since XX/XX/XXXX multiple times including this past month on XX/XX/XXXXrequesting they move my remaining XXXX  bitcoin from my vault to my wallet. They assured me they have the capability to move my cryptocurrency  from my vault to my wallet and have emailed me multiples times stating my request has been escalated to their specialists/tech department however its now been almost 4+ months without resolution and my XXXX  bitcoin is still in my vault without access. I have requested multiple times by email that they move the remaining cryptocurrency to my wallet without response and they are no longer answering my follow-up emails ( last one dated XX/XX/XXXX ).
Consumer complaint received 2023-04-13
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. (PA)

According to the FCRA Equifax has been falsely manipulating the statute of limitation which is an FCRA violation 1. This account has a discrepancy in the payment history section of the listing ; XXXX XXXX XXXX XXXX How is Equifax reporting on-time payments until XXXX XXXX 30 days late XXXX 30 days late XXXX is 60 days late XXXX is 90 days late XXXX is on-time XXXX is on-time XXXX is 30 days late and XXXX is 60 days late? Payment history must be reported in the order of 30 days late 60 days late 90 days 120 days 2.This account has a discrepancy in the payment history section of the listing ; XXXX XXXX How is Equifax reporting XXXX XXXX 30 days late XXXX XXXX days late then reporting XXXXXXXX XXXX 90 days late in XXXX 60 days late and in XXXX 90 days late? Payment history must be reported in the order of 30 days late 60 days late 90 days 120 days 3. This account has a discrepancy in the payment history section of the listing ; XXXX XXXX This charged-off account is reporting payment history each month when should it not since the account has been charged off 4. This account has a discrepancy in the payment history section of the listing ; XXXX XXXX How is Equifax reporting XXXXXXXX XXXX 60 days late XX/XX/XXXX on time XXXXXXXX XXXX 90 days late XXXX XXXX 120 days MXXXX XXXX 120 days XXXX XX/XX/XXXX on time? Payment history must be reported in the order of 30 days late 60 days late 90 days 120 days
Consumer complaint received 2018-10-15
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. (ID)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-09
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)

Here are a few inquiries that I do not recognize Please can you remove them from mine? 

XXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX  ( Bank ) XX/XX/2022 XXXX XXXX XXXX XXXX. ( Bank ) XX/XX/2022 2022
Consumer complaint received 2023-05-26
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 checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting 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
Consumer complaint received 2024-03-18
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 XXXX  XXXX, Account # XXXX  has violated my rights 15 U.S.C 1681 Section 602 A State I have the right to privacy 15 U.S.C Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (VA)

I received the Apple Titanium card some months ago. However, retailers would not take a metal card with no account information on it. I kept it in my wallet, I don't recall ever using the card. 

Approximately 5 weeks ago I was robbed at XXXX in XXXX XXXX XXXX The forced me to turn over XXXX, XXXX and wallet. They also forced me at XXXX  to tell them the passwords for the electronics. They created XXXX, charging things on every credit card, using XXXX to pull over {$1000.00} from my checking account, ultimately even getting into my XXXX checking account and changing the logon and password. My other credit cards- 2 XXXX, XXXX debits ( XXXX and XXXX XXXX, XXXX XXXX XXXX credit card- all cancelled the cards and reissued new cards. 

Apple Card chose to cancel my card, negatively impacting my credit score. They claim that there are {$2500.00} charges on the card. Since they have closed the card it no longer appears on my phone and I can't see what the charges were, nor for what they purchased. 

I have called twice to ask for a copy of the statement on the account and to ask that the account be reopened and a new card be issued. At the end of each call I was assured that a manager would call me to discuss the situation. Still no call from anyone.
Consumer complaint received 2023-09-04
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. (MI)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account 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 XXXX XXXX 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 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (FL)

Genesis FS Card Services dba " Destiny '' is incorrectly reporting 30-day delinquency on my credit file. I have made every payment in full and on time to Destiny FS Card Services. 
I formally request Genesis FS Card Services remove the reported delinquencies from my credit file.
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I leased an automobile through XXXX in the year XXXX. The lease agreement term listed was 3 years ending in XX/XX/XXXX. I had reached out to XXXX to discuss the Account status on my credit report as lease terminated balance owing, However the account had been re-aged to show activity as recent as XXXX XXXXThis is a violation of the Fair Credit Reporting act. I was then transferred to a debt collection agency by the name of XXXX XXXX XXXX without being given any information from XXXX. Upon the transfer I was told by XXXX XXXX XXXX that I am not listed as a person to speak to which is odd considering i am the co-lease on the joint account. I was told this by the debt collection agency which is a violation of the Fair debt collection Practice ACT. I was not properly informed due to the fact that I am not even listed as a person to validate the debt with.