davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-15
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: Experian Information Solutions Inc. (NM)

please remove all inaccurate information and inquires FCRA VIOLATIONS Remove wrong names, employers, address, phone numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLYING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX GAMERCO, NM XXXX SINGLE FAMILY XXXX XXXX XXXX GAMERCO XXXX NM XXXX POST OFFICE BOX XXXX XXXX XXXX XXXX, NM XXXX SINGLE FAMILY XXXX GRANITE XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX GAMERCO, NM XXXX SINGLE FAMILY ***** FCRA VIOLATION ***** SEE ATTACHMENTS CREDENCE RESOURCE MANAGE Account Dispute Not mine or No knowledge of account RemoveCREDIT ACCEPTANCE CORPORATION Account Dispute Not mine or No knowledge of account XXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account XXXX XXXX CU Account Dispute Payment never late *** REMOVE THE FOLLOWING INQUIRES JPMCB AUTO Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online DRIVEIT AUTO GROUP Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 


XXXX XXXX AUTO FINANCE Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 



ALLY FINANCIAL Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 



NOWCOM/EXPERT AUTO SALES Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 



XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 



XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 



XXXX CREDIT/EXPERT AUTO SALES Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Consumer complaint received 2021-05-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (PA)

I transferred XXXX stellar lumens to my Coinbase wallet on XX/XX/XXXX. The price since then has doubled but the real issue is that I was transferring it to buy XXXX XXXX which has gone up significantly. All in all this ended up costing me a lot of money. Anyway, the transaction was completed but the funds were never received. I have opened up 10 support tickets and they have not helped yet.
Consumer complaint received 2023-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (OH)

In XXXX XXXX XXXX I go into pnc bank and was told my account has been frozen some lady called from another state and froze my account and told me the bank was closing my account because my friend went into another pnc bank and added cash into my bank account also I had a open dispute opened and they did not follow the correct percedure to settle it instead they closed my account and took XXXX  out of my account
Consumer complaint received 2021-05-16
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (TN)

I have never been treated more shabbily by a firm than by Better Mortgage. I have a great credit score. I have paid every bill I have owed for 40+ years. My net worth is ten times the amount I am attempting to refinance. They spent ten weeks asking for document after document, then rejected my application. It became clear to me that they were not going forward because I had locked in an 1.875 % rate and the market had turned on them. I spent literally hours for nothing. And now the market has turned on me. They have cost me tens of thousands of dollars. There ought to be a way to recover that. Have they broken any laws by refusing a loan to someone just because they will lose money on the transaction?

To whoever reads this-stay away from Better Mortgage. They are not an honest and faithful business. Dont be treated like dirt as I was.
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Accounts on XXXX XXXX balance are incorrect with Transunion. They are reporting balances that are wrong and when proof is submitted the issue is not resolved. There are many inaccuracies on my accounts that have not been taken care of.
Consumer complaint received 2021-05-15
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. (MN)

I opened a vehicle loan with XXXX XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX, I paid off the loan full, with a XXXX dollar balance, thus closing the loan. The XXXX XXXX XXXX account remained opened and showing a balance due, so I filed a dispute with XXXX, Equifax and XXXX. I also filed a credit reporting dispute directly with XXXX XXXX XXXX to indicate that they were not reporting my account as paid in full with a XXXX balance. On XX/XX/XXXX, XXXX XXXX XXXX deliberately reported inaccurate and false information to the three major credit bureaus, in which they indicated that the account was still open and had a balance of more than {$7000.00}. I received a paid in full and lien release letter dated XX/XX/XXXX, from XXXX XXXX XXXX, in which they state that the account is paid in full, has a XXXX dollar balance and that they have released the lien on the vehicle. At the same time, they were still reporting false and inaccurate information about my loan account to XXXX, Equifax and XXXX, despite their letter to me and despite the fact that my loan account had been paid in full as of XX/XX/XXXX. After trying to resolve this several times directly through XXXX XXXX XXXX and through the credit bureaus, I got no where, and my credit report contains deliberately inaccurate information about my XXXX XXXX XXXX account. XXXX XXXX XXXX is knowingly supplying the credit reporting agencies with inaccurate and false information. My loan account is closed and paid in full with a XXXX dollar balance, and it should be immediately reported to the credit reporting agencies as such.
Consumer complaint received 2021-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/XXXX, I bought a REFUNDABLE online ticket from XXXX XXXX with the amount of ( {$1700.00} ) when I booked the flight the layover was 3 hours only so I paid based on this fact. Before the flight, I found out that there were some changes in the time schedule. I checked the change and I found out that the layover changed from 3 hours to ( 3 DAYS ) due to the COVID-19 situation. I called the airline and I canceled the ticket and I asked for a full refund. They refused so I opened a dispute ( Apple card ( Goldman Sachs ) ). And I sent all the supporting document they resolved in the merchant favor so I opened another dispute Dispute case number : XXXX on XX/XX/XXXX, and they credit me the ticket amount however, on XX/XX/XXXX, they charged me again so I called to check the resolution they told me they have not reached a decision yet so I asked them why did u charge me then and they were like we are going to escalate it to the manager so I waiting for a week but I have heard back from them so I called again and they told me they will escalate the issue. Up until now, the issue has not been resolved. The claim no. is XXXX.
Consumer complaint received 2021-05-15
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: BANK OF NEW YORK MELLON CORPORATION, THE (WA)

The following transaction was charged against a debit card I hold from XXXX XXXX on XX/XX/2021 as follows : DEBIT CARD PURCHASE XXXX XXXX NV ( Cash ) - {$100.00} I am informed this card was issued and run by the BNY Mellon bank out of XXXX, Delaware. I filed a complaint via XXXX immediately by telephone as soon as I saw the charge, and they canceled that card and issued me a new one. 

A week or so later I received a response from the Mellon bank as follows : Dear XXXX, This letter is in response to the fraud claim you have submitted to BNY Mellon concerning your XXXX Visa Debit Card. 

You have stated in your fraud claim that unauthroized charges have posted to your Debit Card. We have investigated the claimed charge. Based on this investigation, BNY Mellon has determined that these charges are valid ....

Therefore, BNY Mellon is denying your clain and considers this matter to be resolved.

No monetary reimbursement of the charge will be forthcoming from BNY Mellon.

That amount of money was not insignificant to me ( unlike, say, to BNY Mellon ), as I am retired and live on my Social Security. I called XXXX again towards the end of XXXX, when nothing happened, and have heard nothing since.
Consumer complaint received 2021-05-15
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. (FL)

I have filed a complaint with Experian for this account with XXXX XXXX XXXX ( XXXX  XXXX ) as XXXX XXXX  is only reporting the date that they bought the file. They are reporting that this account was opened in XX/XX/XXXX. They are not reporting or even showing the date that the account was charged off during the statement period of XX/XX/XXXX to XX/XX/XXXX. Experian DOES NOT have any place where the original delinquent date can be displayed on my report. It makes it look like the account went bad on XXXX XX/XX/XXXX, not 2 years earlier. Each and EVERY time I dispute it they always say the information is correct. According to what I read in www.ftc.gov/os/statutes/fcradoc.pdf, the date the account went delinquent must be reported within 90 days of submitting the account to the credit reporting company. How can Experian NOT show the delinquency date? 

AND XXXX  AND XXXX IS SHOWING THE SAME DATE XX/XX/XXXX.
Consumer complaint received 2023-07-08
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. (MA)

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. 

XXXX XXXX XXXX : # XXXX, 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.
Consumer complaint received 2021-05-15
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: OneMain Finance Corporation (MS)

I have been requesting, since XX/XX/2020, verification of the alleged debt that this company keeps on reporting on my credit files. However, your agency has failed to investigate & obtain, as mandated by law, proof of such debts. All they sent me is a a simple letter telling me you have verified the information, I'd like to see the DOCUMENTATION that SHOWS ME that the information you have reporting is correct - balances, payment history, etc. I was told that is should, which is what prompted my initial letter to them. Yet, you have continued to report & sell erroneous information about me. Therefore, it is quite obvious that they have deliberately violated my rights in more than one way which is punishable by law
Consumer complaint received 2021-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NM)

Yes, well i opened a wellsfargo banking account in order to receive my first stimulus payment. 
I naturally try to review some of the perks of the wellsfargo account. 
I notice you can connect your " XXXX '' Account. I give it a try. 
Well when I'm set to receive my stimulus payment, I was unaware wellsfargo processes paymemts for XXXX. Wellsfargo in error deposits my stimulus in my XXXX account Prompting XXXX to permanently ban my account. Which is still banned. 
Well the IRS issues the later payments and they still send the payments to the XXXX only to be sent back to the IRS prompting the IRS to send me a papercheck. 
I go to wellsfargo to deposit these paperchecks. Wells Fargo credits me for a couple weeks. 
Then out of no where there system realizes we've processed a stimulus payment for me and my SSN they then reverse the check deposit leaving my account in the negative. 
Forcing me to payback the negative balance with future deposits. 
I contact them they essentially ignore my request and give me an explanation that my account was credited twice? 
The amount of financial hardships I've been thru from them stealing my stimulus payment for half a year+ ... 
Now reversing my stimulus payments and leaving my account in the negative. 
It's pathetic. 
I've had to take out loans to get by other things as well. I've had to sell personal possessions, go without bills paid. Literally because their system froze my account for no apparent reason. Than wrongfully reversed the next payments when I deposited a paper check. 
This ain't fair. I'm totally in debt and deserve my money back.
Consumer complaint received 2021-05-15
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. (PA)

As a review of my account there are a few accounts that are not mine Two from XXXX XXXX and 3 From XXXX XXXX {$480.00}, {$590.00}, {$350.00} And one from XXXX XXXX for {$490.00}
Consumer complaint received 2021-05-15
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. (WI)

TransUnion has a collection report from XXXX XXXX XXXX on my credit report. I have contacted XXXX XXXX XXXX about this account ; they have no information about it. I opened a dispute with TransUnion, they closed the dispute and will not share what evidence XXXX XXXX XXXX presented to them. I do not have any records of an outstanding invoice, bill, or service with XXXX XXXX XXXX and can not obtain one from them or TransUnion.
Consumer complaint received 2021-05-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (GA)

In reviewing year-end statements in connection with tax preparation, I notice an inexplicable and excessive number of purchase refunds? especially unusual since I did not return anything for refund or request any refunds at the time. I do not recognize any of the 9 refunds credited from XX/XX/2020 to XX/XX/2020. Why are there so many unauthorized credit transactions during that time? What was going on with the account at Venmo that required these transactions to cover up?
Consumer complaint received 2021-08-05
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. (AR)

There are three ( 3 ) late payments from XXXX XXXX reporting on my credit file from XXXX, XXXX, and XXXX of XXXX I set up automatic bill pay through my local bank, XXXX, however, the payments were not processed due to bank errors. 

Since these late payments were caused due to errors by my bank, Im requesting the late payments be removed from my credit file. 

Attached is a letter from XXXX XXXX for supporting documentation.
Consumer complaint received 2022-11-02
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. (TX)

I disputed fraudulent accounts, XXXX and XXXX several time this year, the last two disputes were in XXXX and XXXX and XXXX dispute came back verified from Transunion. I disputed the three credit bureaus because I discovered that someone got two additional cars in my name. I am a verified victim of fraud. I have reported this information already to the police and I have a FTC report. I sent in the FTC report to each credit bureau per their instructions because theyve had my identity theft and fraud victims police reports for several years.XXXX and XXXX both deleted the accounts and blocked them from being report but Transunion continually verify the fraudulent accounts even with all my documents they continue to verify them. As you can see from documents uploaded they are the only credit bureau still reporting it. The FTC report is a new one to show what I already sent them. I had to update it in order to get a copy of what I sent in.
Consumer complaint received 2022-11-02
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: EQUIFAX, INC. (KY)

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which 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 are not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-17
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: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

I contacted my mortgage provider during covid 19 to indicate that I was unable to make payments as scheduled. I was approved for a XXXX in XX/XX/XXXX and was told it was good for 6 months. In XXXX of XXXX, I called again and I was told I had several options for repayment. I could repay everything I owed all at once ( ( I was unable to do this ), I could go on a repayment plan or I would lose my home, the last option was to extend the forbearance. XX/XX/XXXX I extended the forbearance and was told it was good for another 6 months. XX/XX/XXXX, I called the loan provider and was only give the option of a repayment plan so I began the process of trying to figure out what was needed. I was told I would be called with options and or it sent in writing. No one ever called so I called again and was given these terms ; XXXX down payment and monthly payment would be XXXX for 12 months as the mortgage was XXXX. I began the payment plan in XXXX of XXXX. I then realized that my loan had been reported as DELINQUENT for 120+ days. I called and asked why this happened and was told the loan would be reported as delinquent for over a year. I asked why this was never told to me and furthermore if I was on a repayment plan why would this be reported. I received NO response. On XX/XX/XXXX, I noticed that loan was closed, I called again and they indicated the loan had been sold but yet they are still reporting a loss on my credit report. I was under the understanding that the government had indicated that loans and mortgages would NOT be reported as a loss. I have been paying the loan back so not sure why this is happening. Please assist me as this will affect my score for the next 10 years. As many in the world, we have all been affected by COVID and my intentions were never to NOT pay and I have resumed paying my monthly payment of XXXX and an additional amount of {$1800.00} so I would not lose my home.
Consumer complaint received 2023-07-07
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. (FL)

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. 
XXXX XXXX XXXX XXXX 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.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi I sent a 30 days to comply letter to all three credit bureaus and its been longer than 30 days and They still havent got back to me to verify the accounts in question.