davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-21
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 sent certified letters to XXXX XXXX and Transunion on XX/XX/XXXX, explaining that I had noticed unknown/unauthorized accounts on my credit report. Also, I have several inquires that are not authorized. Each company failed to verify and/or send me proper documentation which means they are in violation of my rights. 
1. XXXX XXXX XXXX {$580.00} 2. XXXX XXXX XXXX {$200.00} 3XXXX XXXX XXXX {$490.00} 4. XXXX-showing as a charge off to XXXX XXXX XXXX 5. XXXX XXXX {$390.00}. This was proven not to be my account and removed from Transunion and XXXX yet still remains on my XXXX. 
Inquires not authorized 1.XXXXXXXX XXXX XXXXXXXX 2.XXXX XXXXXX/XX/XXXX 3. XXXX XXXX XXXXXXXX 4. XXXX XX/XX/XXXX AND XX/XX/XXXX 5.XXXX XXXX XXXXXX/XX/XXXX 6 . XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX AND XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXXXXXX AND XX/XX/XXXX 9. XXXX XXXX XXXXXX/XX/XXXX AND XX/XX/XXXX
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

We have made several attempts with XXXX XXXX to correct the inaccurate information on our credit report. Account was paid in full and close XXXX 2020. However, XXXX XXXX has shown not only a balance of around {$600.00} with late payments after the account was paid in full and close. Moreover, XXXX XXXX has charged off the account and sold our supposed debt to another collection agency. We have made numerous calls to XXXX XXXX trying to resolve this issue without results. Throughout the history of this account we made our payment on time and still and XXXX reported inaccurately and would constantly call us requesting payment on an account that was current. This is the reason why we ended up closing the account in 2020. We have also disputed this with the credit agencies but still the derogatory remarks remain. We are not at the point of seeking legal action against XXXX XXXX!
Consumer complaint received 2017-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I contacted Bank of America regarding filing a complaint against a company called   XXXX   XXXX  , Bank of America initially refunded the money but then later took it back in    XXXX    2017   . I contacted the bank telling him that the company does indeed want to refund as the merchandised had been received.
Consumer complaint received 2017-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (DC)

To Whom It   XXXX   Concern : I have disputed my credit report due to incorrect information. After that happened, I been not able to get my credit report to me. They have made it harder for me to reques t one.  Before, this never happened to me. Also, my name, telephone and address are incorrect. I have disputed that before and they completely ignore it. That is what is happening to me and I am getting   XXXX   tire of it. Therefore, I need the CFPB to help me and be ON MY SIDE!!!
Consumer complaint received 2021-05-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (IL)

My account was hacked through the coinbase website on the early monring of XX/XX/2021. They used coinbases secutiry features to remotely access my account/phone and reset my password and change my phone number. " They '' bypassed all of Coinbases security features and stole {$14000.00} that I had in my account. They also started withdrawls from my checking account that totaled in amounts over {$3000.00}, I was able to cancel these transaction I have contacted Coinbase numerous times. They have no live support, I was emailed a case number and have not heard anything back sense.My account was locked and I am no longer able to access any of my info. After doing some research it appears that it is common for Coinbase to give people a support ticket and never follow up. I want my money back from coinbase. It appears that people having money stolen from or by Coinbase is very common.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

In my  XXXX   XXXX    XXXX   Credit Report, I found   XXXX   XXXX   as creditor that says I opened on   XXXX   XXXX   XXXX   and was closed on   XXXX   XXXX   XXXX   with last reporting on   XXXX   XXXX   XXXX   with a credit limit of {$100.00}.     I never, ever had this account, but I am wondering why this should be included in  my Credit Record.      It further shows a contact details for Creditor :  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  , OH  XXXX
Consumer complaint received 2021-05-21
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: SYNCHRONY FINANCIAL (NY)

I opened my verizon visa by synchrony bank to pay both my cable and cell phone bills from verizon. They gave me the hard time to even activate my card, asked me to make a short video of myself and wave my ID while doing it, which is very degrading. At the end I found a way to activate my verizon visa card without going through all that ridiculous process like most other cards do just call a number and will be activated automatically. I finally was able to add the card into my phone and cable bills and set up auto pay on it. Everything was fine until I decided to add the card to my XXXX XXXX Here you go again they made me go through the ridiculous process I mentioned earlier, which I told them it was their loss so I declined. Here comes the problem their fraud department locked my account and I can't use card. My bills autopay did not go through. I called again today XX/XX/XXXX and they said they sent a code via USPS mail since XX/XX/XXXX spoke with customer service who said this. We have USPS confirmed delivery digest which shows all incoming mail. It has not arrived as of XX/XX/XXXX. They will not try to compensate this and refuse to expedite the mail and can not even guarantee anything. This is a bad practice from their parts. They can not forced me to add my card to XXXX XXXX if I declined to go through the ridiculous process they asked me and locked my card and assumed I am a fraud? I have not done anything wrong to deserve this. I have excellent credit and they have the worst customer service ever. They have no reason to lock my account just because I refused to be inconvenienced. They're the worst. I am not the only one but talking to their reps if you're lucky to get someone with good phone connection who actually lives in XXXX and speaks and understand english well. They outsourced from overseas like XXXX or somewhere else which is fine but they only transfer me multiple times just to disconnect me at the end. It was horrible. They need to treat their customers with respect.
Consumer complaint received 2017-05-04
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: Utah System of Higher Education (UT)

I have never been late on my UHEAA accounts, they were always included in forbearance and deferments. They continue to show as extremely late on my credit reports.
Consumer complaint received 2022-10-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

Citi bank closed my checking account around XX/XX/2022. 
Upon enquiring, I was told by citi bank teller that they no longer had access, yet I would be getting a letter in 30-60 days, along with a check of remaining funds.
Consumer complaint received 2021-08-26
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. (DE)

Subject : ACC **XXXX - Disputing Information in Credit Report Dear XXXX XXXX XXXX I am writing to dispute the information XXXX XXXX has supplied to Transunion XXXX XXXX  and XXXX  in XX/XX/2020. 

Please provide me with supporting documentation showing how my account was 60 days late in one report and 30 on the others otherwise update this late payment to be paid as agreed.

Enclosed are copies of relevant supporting documents to back up my request. Please reinvestigate this matter and contact the national credit bureaus to correct the disputed item ( s ) as soon as possible.
Consumer complaint received 2023-06-03
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. (TN)

transunion and XXXX  are reporting this account on my credit report. XXXX is from XXXX XXXX i have asked financial to send me a validation letter but they have not after several requests. XXXX XXXX is reporting on my credit report this debt has a High Credit : {$1800.00}. 

i have never opened maintained, nor applied for an account that gave me an credit limit of {$1800.00} nor of {$1500.00} like it states on my credit report. 

transunion and XXXX both report this on my credit report Last Reported : XX/XX/2023 XX/XX/2023 meaning they verified this account to be correct and completely accurate. 

my question or complaint is if this is accurate where is XXXX XXXX verification or validation that i am the owner of this debt that is $ XXXX {$1800.00} this has caused me strain on my finances because these accounts on my credit has caused me to have higher interest rates. 

opprotunity financial has verified this debt being correct as well.
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. (TN)

in accordance with the fair credit reporting act. the list of accounts below has violated me federally protected consumers rights to privacy and confidentiality under 15 USC 1681 DEPT OF EDXXXX XXXX 966049 15 U.S.C 1681 SECTION 602A. 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 instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the reports 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 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bonneville Billing and Collections (UT)

Bonneville Collections is reporting a debt on my credit file that I do not owe. I have been disputing this account with them and have asked for validation multiple times and never received any response. In my validation notice I asked they please respond in 30 days from their postmarked day otherwise to remove it from my credit file. It has been well over a month and I have been very patient. No one has been able to validate this debt to me and that's because I paid for the services for the dentist office. I had insurance to cover this with a program they worked with. I wasn't told that there was an issue with it but now I'm thinking that they misapplied the payment resulting in them sending me to collections. I did my part and payed for the services through an insurance program.

I have also attached the letter I sent to Bonneville stating that they must remove this if they did not get back to me. Reporting invalidated debt can constitute fraud under both federal and state laws and at this point they have not validated anything.
Consumer complaint received 2021-05-21
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

We have two cards with synchrony bank. I noticed that one account closed due synchrony bank telling me I wasnt making more then the minimum payment. But I was making the agreed payments and closed my account with no prior notice. They also advised they kept running my credit. I submitted tired to reach out but the representative didnt know why this happen. A week later same thing with my other account. I was making payments and they just closed the account.
Consumer complaint received 2021-05-21
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. (DC)

XXXX, XXXX AND TRANUNION REFUSES TO INVESTIGATE AND REMOVE XXXX XXXX XXXX AND XXXX XXXX and XXXX XXXX FROM MY CREDIT REPORT. THESE COMPANIES REFUSE TO DISCLOSE THE METHODOLGIES OF WHY THEY REPORTING THIS FRAUDULANT ACCOUNT AND WHAT INFORMATION THEY ARE OBTAINING FROM THE COMPANY!! THEY JUST KEEP SAYING IT WAS VERIFIED!! IT IS NOT VERIFIED!! DISCLOSE YOUR REULTS AND HOW YOU CAME TO THEM ALL TO ME -ALL THREE BUREAUS OR BE SUED AND REPORTED TO THE DEPARTMENT OF JUSTICE AND THREE STATES ATTORNEY GENERALSD!! THIS COMPANY IS GIVING CFPB XXXX THAT I AM NOT A REAL PERSON AND REFUSIING TO ACCEPT VALID STATE ID SENT TO THEM VIA THIS COMPLAINT TO PROVE MY IDENTITY TO INVESTIGATE AND REMOVE XXXX XXXX XXXX AND XXXX XXXX FROM ALL THREE CREIT BUREAUS REPORTS!!. I DO NOT ACCEPT THIS COMPANIES RESPONSE.THEY DID NOT INVESTIGATE XXXX XXXX, FRAUDULANT XXXX XXXX XXXX OR XXXX XXXX AT ALL AND DID NOT SEND ME AN UPDATED COPY OF MY CREDIT REPORT. IN ADDITION IM A VICTIM OF FRAUD. THIS COMPANY IS LYING AND NOT PRODUCING DOCUMENTS UNDER FCRA SECTION 609 WITH MY SIGNATURE TO PROVE ALL THESE FRAUDULANT DEBTS, WHICH THEY ARE NOT VALID. XXXX  XXXX  AND TRANUNION CAN NOT PROVE THIS DEBT IS VALID AND IS VIOLATING STATE AND FEDERAL LAWS BY NOT INVESTIGATING MY COMPLAINTS. XXXX XXXX AND XXXX ARE REMOVED FROM MY CREDIT REPORT. THEY ARE NOT VALID OR LEGAL DEBTS -THEY ARE FRAUD AND WILL BE REMOVED FROM MY CREDIT REPORT.I WILL SUE THIS COMPANY-XXXX-I HAVE REPORTED YOU TO THREE STATE ATTORNEY GENERALS FOR FRAUD AND ILLEGAL ACTIVITY, NOT FOLLOWING FCRA. IN ADDITION THESE COMPANY IS REFUSING TO ALLOW ME TO ACCESS MY CREDIT REPORT ON XXXX FOR FREE THROUGH XXXX WHICH IS ILLEGAL. TRANSUNION REFUSES TO ALLOW ME ANY ONLINE ACCESS TO MY CREDIT REPORT ON XXXX AND THIS IS ILLEGAL UNDER FCRA. REMOVE THESE ITEMS NOW OR BE SUED FOR MILLIONS OF DOLLARS AND PROSECUTED BY THREE STATE ATTORNEY GENERTALS OFFICES!! REMOVE XXXX XXXX XXXX AND XXXX XXXX AND XXXX XXXX FROM MY CREDIT REPORTS, OR I WILL KEEP FILING COMPLAINTS AND LAWSUITS UNTIL YOU DO!! THESE ARE FRAUD AND XXXX  TRANSUNION AND XXXX  DID NOT AND CAN NOT PROVE THIS ARE LEGITIMATE DEBTS. THEY ARE ALL VIOLATING FEDERAL AND STATE LAW AND HEADED TOWARDS MILLION OF DOLLARS IN LAWSUITS BY ME. IVE REPORTED XXXX XXXX AND TRANSUNION TO THE DC AND CALIFORNIA ATTORNEY GENERALS WHERE YOU ARE HEADQUARTERED. THESE COMPANIES HATE OUR NATIONS VETERANS AND WOUNDED WARRIORS AND DISCRIMINATE AGAINST XXXX PEOPLE, XXXX PEOPLE, AND XXXX VETERANS!!! DO NOT SEND THE ATTACHED DOCUMENTS TO XXXX AND XXXX AND XXXX XXXX THEY ARE FOR XXXX/XXXXTRANSUNION IN PROVING MY IDENTITY.
Consumer complaint received 2017-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

XXXX   XXXX   XXXX   Opened   XXXX   XXXX   XXXX   {$170.00} Original creditor : 01   XXXX   XXXX   I have legal documentation that this account was stated as CLOSED and that their would be no further financial obligations as of   XXXX   XXXX  .
Consumer complaint received 2021-05-21
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NOVAD Management Consulting, LLC (MD)

I am doing a refinance process and my title company XXXX XXXX XXXX XXXX XXXX XXXX has asked several times an payoff to NOVAD MANAGEMENT CONSULTING LLC which is the Partial Claim Servicing Contractor for the Department of Housing and Urban Development ( HUD ). I did requested it and also the new mortgage company did it too but I have not have an answer yet.
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

In the past year I have submitted 3 disputes to XXXX XXXX. They only responded to my third dispute. They are showing that I made late payments in XX/XX/XXXX, XX/XX/XXXX, and XXXX of XXXX. The reason that these payments were late is due to the phone payment system not recording my card information correctly. A supervisor concluded this to me via phone calls in XXXX of XXXX and again in XXXX of XXXX. They advised if i submitted a dispute in writing and listed that as the reason then they would remove the late payments from my credit reports. Each time i submitted a dispute i waited the 45 days and no one ever got back to me. Over a year later i submitted a third dispute and XXXX XXXX denied it even when i showed evidence that i sent two prior disputes and they did not respond within 45 days which is required by law. They are breaking the law by not responding to my disputes within proper timing and also incorrectly reporting me past due when i called in each month to make the payment. when i checked online i was always showing in good standing.
Consumer complaint received 2021-05-21
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. (PA)

In the past year I have submitted 3 disputes to XXXX XXXX. They only responded to my third dispute. They are showing that I made late payments in XX/XX/XXXX, XX/XX/XXXX, and XXXX of XXXX. The reason that these payments were late is due to the phone payment system not recording my card information correctly. A supervisor concluded this to me via phone calls in XXXX of XXXX and again in XXXX of XXXX. They advised if i submitted a dispute in writing and listed that as the reason then they would remove the late payments from my credit reports. Each time i submitted a dispute i waited the 45 days and no one ever got back to me. Over a year later i submitted a third dispute and XXXX XXXX denied it even when i showed evidence that i sent two prior disputes and they did not respond within 45 days which is required by law. They are breaking the law by not responding to my disputes within proper timing and also incorrectly reporting me past due when i called in each month to make the payment. when i checked online i was always showing in good standing.
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. (NC)

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 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.

This inaccuracy is preventing me from getting approved for credit cards, a home and a loan for a vehicle. I enlisted in the military ( XXXX XXXX ) in XX/XX/XXXX from the address XXXX XXXX XXXX, XXXX, NC, XXXX. This collection account has been opened fraudulently in my name as of XX/XX/XXXX. I also put a freeze on my account, alerting that I was on XXXX XXXX. Also sent documents previously to prove I joined the military last year.
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XX/XX/1921 CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX BOX XXXX XXXX, IA XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX. 
WASHINGTON, DA XXXX Subject : Equifax ; XXXX  & XXXX  credit bureaus fair credit score reporting, practice & all enquiries on credit file of all Americans Dear Protection Bureau & National Public Sectors for Consumers ; I am seeking to get an equal opportunity to get my free score and report from Equifax credit bureau. Equifax has not revealed my credit score every time I asked for a report from them. Second I want your bureau to stop the other consumers from unfairly weighting our credit scores, as they give creditors all relm to judge our scores credibilities as they deny us minority Americans access to higher credit score and benefits.- as like wise as with employment practices, all military benefits, and safe practice of islamic beliefs for fair credit offer and practice by equal rights as other citizens.

As far back as 25 years we have reporting of hard and soft enquiries ( injuries ) showing on our credit reports. We are asking for only 3.5 years worth of enquiries to show on each reports- and only as hidden enquires, as should be revealed to federal as when for federal investigation purposes. Creditors have denied us credit offers do to these reasons very crucial to us all. Since, our credit & credibilities is all life opportunities for all Americans. 



Very respectfully, XXXX XXXX