davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-20
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. (FL)

Hi I am submitting this XXXX  XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-11
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: EQUIFAX, INC. (AZ)

Please remove these accounts immediately. These accounts are fraudulent reporting, I have contacted and place a security freeze on my account and items are still being placed on my consumer report without proper contact to verify this said Information. By LAW & STATUES I have rights that you are violating. I will send out letters to all Credit reporting agencies following this complaint. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the fair credit reporting act, XXXX XXXX XXXXXXXX ACCOUNT # 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 an account without my written instructions.
Consumer complaint received 2022-12-11
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: TD BANK US HOLDING COMPANY (ME)

I contacted TD Bank credit card services to dispute a charge on my credit card on XX/XX/XXXX. I've had to file XXXX disputes for the same charge now because TD Bank keeps screwing it up and losing information and not taking correct notes. I've received yet another letter stating that the dispute will be closed unless they get information requested ( which they already have - I faxed it to them on XXXX, two days before they sent the request ). 
I tried to find out what is going on by calling them today and they're completely failing and refusing to resolve the issue and refusing to provide me with a contact person to get updates from. I asked for the name and employee number for the relevant employee ( customer service supervisor and claims investigator ) and they refuse to provide anything but first names. I also asked to speak to their supervisor/manager and they've refused to do that as well. They will not properly process this dispute I have filed twice, refuse to provide any information or accountability and I'm being charged {$3000.00} because of a very simple dispute that can not, apparently, get processed and resolved.
Consumer complaint received 2022-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (NY)

I recently requested a refund of my student loan payments from EdFinancial that were made during the eligibility period of the One-Time Student Loan Debt Forgiveness plan . 

After making the request, EdFinancial was very ambiguous on when this refund would be completed, mentioning to track the https : //studentaid.gov/debt-relief-announcement website to know when I would get my refund. From my understanding, the refund should be processed immediately from EdFinancial, and the website is where the application is to be " forgiven '' of the debt. 

In addition, there was no way to track the refund application ( no email confirmation, no tracking number, no updated balance on EdFinancial ). 

Thank you.
Consumer complaint received 2021-01-06
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: Experian Information Solutions Inc. (CT)

On XX/XX/2020, a collections account ( XXXX XXXX XXXX ) was removed from my Experian report as a result of my dispute. On XX/XX/2020, Experian re-inserted the same account back onto my report. According to FCRA Part ( A ) ( 5 ) ( B ) ( ii ), the credit bureau may be fined " if they reinsert a removed item from your credit report without notifying you in writing within 5 business days. '' Experian failed to notify me of the reinsertion. I was notified through my own credit monitoring software. I have attached proof of said deletions and reinsertion.
Consumer complaint received 2023-08-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I challenged the accuracy of my credit report with the consumer reporting agencies and ask them to review data to ensure that it is up-to-date and compliant with FCRA section 611 and XXXX XXXX reporting standards XXXX I am concerned about the potential for inaccuracies in my profile and require that all inquiries have a permissible purpose and be accurately sourced. I also demanded the permanent removal of any inaccuracies immediately. On XX/XX/XXXX I received that my dispute results was accurate to remain but it was never proven to be factual, so now I decided enough is enough and will exercise my consumer rights because the accounts that Ive attached is either untrue, unverified and incorrect, please remove them immediately. I also had some fed service loans removed from my XXXX report but now them same accounts is reporting on my XXXX report without my consent which is illegal and I demand those accounts to be removed as well..These accounts on my report is affecting with my lifestyle and its stopping me from getting loans, defaming my character and also hindering me for providing for my family ..those accounts is making me struggle behind those accounts thats being reported illegally..please delete..Ive have attached documents with everything highlighted and circle thats a concern and either untrue or inaccurate along with asking you all for an explanation on why this is on my report and I also attached screenshots of accounts that been removed from XXXX and now them same accounts is being reported to my XXXX report without consent.
Consumer complaint received 2024-05-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (CA)

I had a serious financial hardship XXXX month ( I always pay on time! ), and since I have a " simple interest loan '' ( no penalty for deferring a payment, I just end up paying more interest ), so when I learned XXXX of my salary would be taken straight out of my paycheck that month, I called Flagship to cancel the payment I had just made on their website. I asked the rep to stop the payment, but she said they could not because " it had already been processed, so you will have to call your bank and have them stop payment on their side. '' I told the rep to please put detailed notes in her system so when my bank called Flagship and another rep answered, the rep would see the notes and know to do the right thing ( confirm the stop payment in good faith, per our arrangement ). Well, the rep who answered my bank inquiry did NOT refer to or see the promised notes on my case, which meant I could not pay my full rent that month for myself and my son. When I called Flagship and asked to speak with a supervisor about the matter. I told the rep who answered and was unable to do anything at all that I needed to speak with a supervisor ; and, since she wouldn't come to the phone, I asked him to tell her to " call me back and discuss this or ( feeling helpless ) I would be writing up a couple reviews on the XXXX most popular business review sites! '' And so, " Here XXXX am and XXXX Flagship! ''
Consumer complaint received 2023-11-09
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. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have 1. 15 US-CODE 1692E FALSE OR MISLEADING
REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2018-04-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (KY)

We were struggling to keep our mortgage payments current and constantly trying to contact 21st mortgage to set up a different payment plan or just to work something out. They would say they were sending forms for us to complete but never received any. Would try calling but there XXXX number was a non working #. Kept sending emails and no response. Would attempt to make online payments however since it was late the online system locked me out. So was unable to make payments. Received a hand delivered letter stating we were going into foreclosure. That letter had another XXXX to call which I did. Spoke to a rude male and he stated the he would call me back with a total amount due. Never called. Kept calling and was told he would call me back. Today I spoke with another rep and she stated that they were instructed not to call me. This has been going on for months. They are now saying that I owe attorney fees because it hasnt been paid. How can I pay when they wont tell me what I owe? How can I pay when they wont take my payments? Why should I pay attorney fees? 
Bottom line is 21st mortgage is impossible to work with or even communicate with. As a business owner myself I couldnt imagine refusing to take a payment from someone.
Consumer complaint received 2024-04-08
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: EQUIFAX, INC. (GA)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2022-10-21
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. (CA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX Balance Owed : {$400000.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$16.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-12-10
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. (GA)

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 U.S.C.1681. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX-account ending XXXX XXXX XXXX XXXX-account ending # XXXX, XXXX Bank XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXaccount ending 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-25
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. (NY)

I was going through my records & noticed the fraudulent account which does not belong to me STILL reposting on my file in Equifax. The other bureaus have already DELETED this fraudulent information so my question is why do you still report this damaging records? 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. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please delete the account below because I do not own this : XXXX XXXX XXXX
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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 # 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 2023-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IL)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.
Consumer complaint received 2024-03-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MN)

Have been a Coinbase customer for five years. I have been a subscribing customer to Coinbase One for one year. Ive been paying {$29.00} a month for premium service, support, and reduced fees. 

I did not break any of the terms and conditions. Did not do anything, shady, illegal, nor suspicious. For no reason given, and no timeframe given, theyve restricted the ability for me to send digital assets that Ive paid for, to my self custody wallet. 

I have digital assets in my wallet theyve refused to acknowledge exist. Customer service is useless, and I get the constant runaround. Delayed responses, unresolved issues, unanswered, questions, and a litany of other problems. 

This is a publicly traded company, and needs to be held to account for the treatment of their customers.
Consumer complaint received 2022-12-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. ()

Hello, I made an international XXXX transfer from a non-sanctioned XXXX  bank to a XXXX bank. Amount XXXX USD ( XXXX USD after sender 's fee ), XXXX date XXXX. The recipient of the money was an American bank CITIBANK XXXX. ( XXXX ). The transfer was rejected by the XXXX bank ( CITIBANK XXXX ) on XXXX. CITIBANK N.A. informed the sending bank about it. Since then the money has not been returned to the sending bank. On XXXX, the sending bank launched an investigation, but CITIBANK N.A. did not respond. 

I filed a complaint against Citibank and received an answer that they are unable to find my transfer. ( CITIBANK answer attached ) I find their answer unsatisfactory. 
1 ) They mixed up my name.

2 ) According to the attached letter from XXXX Bank, CITIBANK received the transfer and rejected it. This means that CITIBANK must have information about my transfer. 

I request that CITIBANK use the data from the attached documents, including the gpi track number and provide me with information about my transfer and also return my transfer.
Consumer complaint received 2022-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: National Account Systems of Omaha, LLC (NE)

To whom it may concern : In accordance with the Fair Credit Reporting Act this creditor National Accounts SYS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has violated my rights. 
15USC 1681, Section 602 States I have the right to privacy.

15USC 1681, section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction.

15USC 1666B Section A A creditor may not treat a payment on a credit card under as open, or late for any purpose.