davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-30
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: WELLS FARGO & COMPANY (TN)

I submitted a complaint about Wells Fargo not reporting my payments to the credit bureaus at all and they still continue to refuse to report my payments causing me credit problems.my credit report does not reflect that I have a mortgage loan at all.
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/ Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-05-11
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Velocity Portfolio Group (LA)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2023-03-02
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. (NY)

Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS
Consumer complaint received 2023-02-08
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (TX)

In XXXX  I applied for a covid hardship plan with Freedom Mortgage and we agreed of the payback amount before the contract was finished. MY payback amount was {$490.00} a month so, I asked could I start paying on it? I was told I could, so I started that very next month. I paid until I kept getting the run around of the contract, it was the same excuse all the time VA was backed up on their paperwork. I decided to get VA more directly involved and I was told I didn't have to pay them anything until the contract was complete. So, when I do finally get the contract it is totally different on the amount that we had agreed upon by over {$200.00}! I called Freedom Mortgage and they did acknowledge that it wasn ; t the original offer and told me, they would see if they could honor the first contract but, didn't never called me back. My VA Loan XXXX XXXX XXXX XXXX was on the phone with Freedom Mortgage last week and I was told over the phone what I need to summit to keep my home from going up for sale, I seent all three documents that their Liquidation Department. I called back on the XXXX as I was told to find oud that they sent me a letter out on the XXXX for the same documents? I'm a 100 % Protected XXXX XXXX  and they sold my home on XXXX and was served an illegal eviction notice from new owner?
Consumer complaint received 2024-03-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (IL)

I have been blocked from my coinbase account which contains over XXXX $ in crypto currency assets. I have attempted numerous times to reset my account on their website and on their mobile app but am still blocked. Additionally I have called and emailed at least 6 times over the course of more than a year. The latest attempt was today and I was on the call for more than 2 hours. I followed all their instructions to upgrade my email security and reset my passwords for both my email account and my coinbase account. At the end they simply told me for the third time at least that the ticket ( Case # XXXX ) would have to be escalated and they would reach out to me. No timeline was offered and this is at least the third time they have stated that the issue would need to be escalated and that they would contact me. I have spent over a year with my assets locked in blocked account and unable to access them. I have spent hours on the phone and have received no explanation as to why or when my access will be restored. I have offered all my information, have sent them numerous documents to prove it is me and still nothing. I have been more than patient and out avenues with Coinbase.
Consumer complaint received 2024-03-01
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: Experian Information Solutions Inc. (FL)

I am writing to address a matter of significant concern regarding XXXX XXXX XXXX XXXXXXXX that is appearing on my credit report. Despite my best efforts, I have been unable to verify why this account is reflecting on my report. This situation has not only caused me undue stress but has also resulted in denials and questioning of my credibility by lenders. It is imperative that this issue be rectified immediately. I demand a thorough investigation into the legitimacy of these accounts and request solid proof that they indeed belong to me or were initiated by me. Without such evidence, I insist that these accounts be removed from my credit report without delay.
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CONST LLC (TX)

Hello, as of XX/XX/2022, the XXXX lending company " XXXX '' has halted all withdrawals from their website. In a recent email, XXXX has told me that they plan to offer a partial settlement of funds rather than allow users to withdraw their full amount. In this email, they also say the reason for this loss is due to their investment in a project that is not a peer-to-peer investment called the " XXXX XXXX. '' I am concerned that XXXX has now committed fraud because they have used customer deposits in a method that was not advertised and therefore shows a serious misrepresentation of funds. Presently, I have XXXX " USD Coin '' and XXXX XXXX in my account with them and my wife currently has XXXX peer-to-peer loans open with them that are currently worth {$10000.00}.
Consumer complaint received 2023-01-27
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. (SC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a XXXX party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (UT)

Went on a covid forbearance for a few months, which resulted in Carrington Mortgage readjusting my loan, and raising my interest rate from 2.375 to 7.125 and resulting in a XXXX lien against my home. If I would have known this I would have just paid the overdue amount. They restructured my loan without explaining to me what was happening, they just made it seem that if I didn't sign the paperwork I would lose my home.
Consumer complaint received 2021-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (FL)

We purchased our mortgage with XXXX XXXX Within the first month the mortgage was sold to XXXX XXXX. The servicing contractor is M & T. They reached out to us and advised us that the homeowners insurance is XXXX and the principle balance is XXXX and we needed to get replacement value coverage. I reached out to my agent for the insurance and they advised the dwelling structure coverage is for replacement cost of XXXX. The land is not insurable. 

I spoke to XXXX XXXX at M & T ; they are demanding we get gap insurance for the difference between the principle balance and the dwelling cost. My insurance agent is not able to increase the value of the replacement cost without proof of significant improvements since purchasing in XXXX. We have not improved the property. M & T are advising they will purchase an additional insurance at our cost if we do not increase the amount. I have been advised by my insurance agent and XXXX that this is a common issue with M & T and that the Florida Law is not being followed : Florida Statute Section 690-167.009. 

No Mortgage lender shall, in connection with any application for a mortgage loan in this state which is secured by a mortgage on residential real estate located in this state, require any prospective mortgagor to obtain by purchase or otherwise a property insurance in excess of the replacement value of the covered premises as a condition for granting such a mortgage.
Consumer complaint received 2023-02-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (OH)

LVNV Fundling LLC I do not nor have ever had an account with this company yet they are reporting from XXXX on my credit report. I have made repeated attempts for debit verification to no avail. 

Requests were made in XXXX and XXXX of XXXX for verification and proof the account is mine.
Consumer complaint received 2023-03-02
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. (OH)

After reviewing my credit report I noticed and account that shouldn't be reporting inaccurately on my credit report by the following companies : XXXX, XXXX, Transunion. 
XXXX XXXX ( original creditor XXXX XXXX ) XXXX  {$0.00} balance
Consumer complaint received 2022-11-22
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. (CA)

Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed accounts claiming that the information they present is accurate, with which I greatly disagree. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I need the accounts corrected as soon as possible XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Consumer complaint received 2017-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (CA)

I have filed the complaint twice and keep getting same response. 
I am now hiring attorney since this issues making my life hard and ca n't get mortgage since over limit Barclay Bank reported to all 3 credit bureaus. 
This is very serious matter that the bank is rip offing their customers. 
Please see attached proof of evidence that they are not my charges. 
Some of the charges occurred when I was in XXXX, I am always traveling out of state and country as you can see.
Consumer complaint received 2023-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681 the following below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXX XXXX XXXX Account # XXXX Was removed from my Equifax report and added back on XX/XX/23. ( Violation ) 15 U.S.C. 1681 Section 602 A. States I have the right to Privacy 15 U.S.C 1681 Section 604 A 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 information, other than records of convictions of crime 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

1681e. Compliance procedures ( b ) Whenever a consumer reporting agency prepares a Consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

The following are. not my previous address/ XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX. / XXXX XXXX XXXX XXXX XXXX MI. XXXX/ XXXX XXXX XXXX XXXX. XXXX/ XXXX XXXX XXXX XXXX MI. XXXX and XXXX XXXX XXXX XXXX, MI. XXXX. I disputed before and they're still on my report. 

1681c-2 Block of information resulting from identity theft. A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer Identifies as information that resulted from an alleged identity theft. ( b ) Notification ( 3 ) that a block has been requested under section by me XXXX XXXX
Consumer complaint received 2017-10-27
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. (TN)

I have tried to reach out to all three credit bureaus regarding a public record that is reporting on my credit report that should not be reporting but have yet to get any results. As of XXXX XXXX, 2017 public records including bankruptcy and judgements. I have sent Equifax, XXXX and XXXX a letter from bankruptcy courts stating do they do not report bankruptcy along with a copy of the new law.
Consumer complaint received 2023-05-28
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. (FL)

I am interested in processing disputes on my credit report with Equifax to delete an remove all inaccurate information on my credit report. these errors have caused a major effect on my credit report. please review an remove the information listed to clean my file. this has been an on going situation that needs to be resolved asap.
Consumer complaint received 2019-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

The three credit reporting agencies which are XXXX, Experian, & XXXX have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus ( Experian, XXXX, & XXXX   ). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract.
Consumer complaint received 2017-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: JPMORGAN CHASE & CO. (IL)

I requested a 12 month forbearance towards my loan on XX/XX/2016. I received and email on XX/XX/2016 stating that my forbearance was applied. However, XXXX is has reported late payments over & gt ; 120 days which is inaccurate and causing a strain on my credit worthiness.