davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX  US DEPT ED DEPTEDXXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX  US DEPT ED DEPTEDXXXX TransUnion LLC XXXX XXXX   XXXX XXXX, PA XXXX  XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX  US DEPT ED DEPTEDXXXX
Consumer complaint received 2021-06-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC. (TX)

Received an envelope with a promissory note of an {$800.00} loan and total loan amount to pay back {$2000.00}. This is Fraud!! Cashnet USA is fraud!
Consumer complaint received 2020-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CT)

Wells Fargo employees at the branch located at XXXX XXXX XXXX in XXXX were extremely rude. They did not apply a {$400.00} account opening bonus. Person who opened account also rude and made derogatory remarks against XXXX people calling me a XXXX. Teller  took 45 minutes to dispense foreign currency purchase in an effort to harass me. Branch did not call when foreign currency arrived in violation of bank policy. Branch did not answer telephone calls and employees were verbally abusive at the branch when I tried to call. Branch employees are disrespectful and condescending toward XXXX  customers treating them differently from XXXX XXXX  who they spoke XXXX with and immediately helped. 


Telephone Customer service was also extremely rude and unhelpful making me call at least 8 times to get transferred to Executive Office to check status of complaint against branch. I had to call XX/XX/XXXX at XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX to reach Executive Office they were extremely rude using extended hold times, and giving inaccurate information. Executive Office did not assign my case to a case manager for over a week. Executive Office case # XXXX.
Consumer complaint received 2022-03-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (OH)

File a Complaint Feedback from consumers is vital to XXXX. We appreciate your willingness to report this information to us. We look forward to helping you and the business work toward a resolution. 
Your complaint details : First Name : XXXX Last Name : XXXX XXXX : XXXX Phone : XXXX XXXX Address : XXXX XXXX XXXX XXXX : OH City : XXXX Zip : XXXX Country : XXXX Description of Complaint : Coinbase demonstrates the like and similar pattern and practice of illicit and/or dilatory behavior described by many other Complainants. Following is a fragment of evidence found in the complete record : Sun, XX/XX/XXXX at XXXX XXXX XXXX there, Thanks for contacting us. We see that youre having difficulty accessing your account and we're ready to help. 
After our further investigation, it shows that your account has been taken over by the attacker and they were able to change the email address on your account. Our records indicate your account was accessed on XXXX, XXXX XXXX  from an unknown IP address and device. This IP is authenticated with your password, your 2FA security codes and the device confirmed via hyperlink sent to your email. This means the attacker had access to your password, 2FA security codes and email to conduct this activity. 
Using these compromised credentials, they were able to initiate the following buy : XXXX, XXXX XXXX XXXX Wallet XXXX XXXX {$37.00} Please follow these steps : 1. Create a new Coinbase account using a different email address at https : //www.coinbase.com/signup 2. Add and verify a phone number. For security purposes, do not add and verify a VOIP number. 
3. Complete the ID upload and live photo ( selfie ) when prompted at : https : //www.coinbase.com/verify-document? 
Coinbase, Inc XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX If you have any questions or concerns, please contact the XXXX  assigned to your complaint : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Email this XXXX  ( XXXX ) XXXX facematch=true. These steps will help us verify your ownership of the previous account. Please inform us when you've finished these steps. After we complete a review of the information, we can transfer the balance from the inaccessible account to your new one. 

DONE and Coinbase still fails to lawfully transfer assets they do not own with endless BS. 
I DEMAND Coinbase immediately pay out my approximately XXXX XXXX, .1 ETH, 1 LTC, and all other assets held immediately to my new account which has been verified and the same you have been found to snoop on, or my prior known Bank Account ending in XXXX, or my address of record prior to this suspicious alleged " hack '' from an " unknown IP '' with an unlawful bypass of the established 2FA regulation which is under investigation. 

Desired Settlement : Refund plus punitive damages and referral to criminal
Consumer complaint received 2020-03-17
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. (OH)

I only took out 6 loans total with XXXX XXXX of whom is now XXXX. 
XX/XX/XXXX for {$1800.00} PAID XX/XX/XXXX XX/XX/XXXX for {$1300.00} PAID XX/XX/XXXX XX/XX/XXXX for {$1300.00} PAID XX/XX/XXXX XX/XX/XXXX for {$2000.00} PAID XX/XX/XXXX WAS ACTUALLY PAID IN XXXX XX/XX/XXXX for {$4000.00} PAID XX/XX/XXXX WAS ACTUALLY PAID IN XXXX XX/XX/XXXX for {$3500.00} PAID XX/XX/XXXX WAS ACTUALLY PAID IN XXXX ***NONE OF MY LOANS WERE EVER LATE OR DEFAULTED AS THEY WERE PAID OF BY XXXX XXXX IN XXXX OF XXXX I HAVE ENCLOSED DOCUMENTATION OF PROOF OF STATEMENT THAT I HAVE AND THEY ARE TRUE AND ACCURATE.
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I only took out 6 loans total with XXXX XXXX of whom is now XXXX. 
XX/XX/XXXX for {$1800.00} PAID XX/XX/XXXX XX/XX/XXXX for {$1300.00} PAID XX/XX/XXXX XX/XX/XXXX for {$1300.00} PAID XX/XX/XXXX XX/XX/XXXX for {$2000.00} PAID XX/XX/XXXX WAS ACTUALLY PAID IN XXXX XX/XX/XXXX for {$4000.00} PAID XX/XX/XXXX WAS ACTUALLY PAID IN XXXX XX/XX/XXXX for {$3500.00} PAID XX/XX/XXXX WAS ACTUALLY PAID IN XXXX ***NONE OF MY LOANS WERE EVER LATE OR DEFAULTED AS THEY WERE PAID OF BY XXXX XXXX IN XXXX OF XXXX I HAVE ENCLOSED DOCUMENTATION OF PROOF OF STATEMENT THAT I HAVE AND THEY ARE TRUE AND ACCURATE.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Acct # XXXX has violated my rights.

15 US C 1681 Section 602 A states I have a right to privacy.

15 US 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 2020-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MN)

In XXXX and XXXX of XXXX we were behind on payments for our mortgage. Wells Fargo said we quialfed to pay back so much each month to get caught up. We first started working with XXXX from the home preservation team in XXXX of XXXX. We were told how much to pay for the next four months to get caught up. It was to start XX/XX/XXXX of XXXX but I paid some money in XXXX to help with XXXX payment. Each month I paid the money I went into the Wells Fargo and paid with my sheet from the Home Preservation team and after each payment I would call XXXX to let him know we paid. Our last payment was XX/XX/XXXX and I paid it. I again talked with XXXX and told him it was all done. After two weeks it still showed on WellsFargo.com that we were still behind. I called XXXX and we were on the phone for about an hour with a supervisor from the Escrow department. The local branch put the extra money into my escrow. Per our three way conversation they could see the error and was going to fix it. According to her it would take about 6 days. After 7 days it still showed we were behind. Called again and they escrow department said yes they will fix it. Now I got a new home preservation specialist and we again XX/XX/XXXX called and again was told that it would be fixed. We are two months out from paying our agreement and they still show us behind and it still shows up behind on our credit report. I keep getting told oh it takes 6 days and well 6 days is turning into months. It is not my fault that the branch did not know how to apply mortgage payments correctly even when they had the sheet. They should have told me to not go into the branch. But I paid each month with cash so that it would process faster. I just want this all fixed. Thanks XXXX
Consumer complaint received 2020-03-29
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. (IL)

XXXX  is reporting a XXXX XXXX acct # XXXX this account is closed How can there be a past due amount for {$7300.00} with XXXX still reporting on this acct as of XX/XX/2020 my limit on this card was {$4500.00} how is my balance higher than my limit. 

Experian is reporting XXXX XXXXXXXX XXXX XXXX XXXX same acct # XXXX with my credit limit of {$4500.00} a balance of {$7300.00} acct closed last report XX/XX/2020.
Consumer complaint received 2020-03-29
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: EQUIFAX, INC. (SC)

i HAVE SENT THEM MY LETTERS TO REMOVE MY FAULTS AND NEVER GOT ANY REPLY AND ITS BEEN OVER 60DAYS
Consumer complaint received 2020-03-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NJ)

In XXXX, I called Navient regarding a forbearance ending because I was told for the {$50.00} per loan fee, I could have a year long forbearance which wound up ending 3 months later. When I called again, I was told that representative misspoke and forbearance can be a total of 12 months over the life of the loan and I had used 9 months before that. I was able to go on a 6 month payment plan with a payment withdrawal date on the last business day of each month which was to end the last day of XX/XX/XXXX. I kept getting late notices and was told it's because the last day for payments is the XXXX of the month even though I was never made aware of this prior to the late notices. Then, XX/XX/XXXX I get multiple messages from Navient one of which claims I am 100 days delinquent which is not true based on the 6 month payment plan I was on and the fact that they debited the agreed upon amount every month as scheduled. This has now been reported to the credit bureaus which is ruining my credit when it is not possible that I'm 100 days delinquent. They refuse to help and don't even give consistent answers and refuse to even look into it simply stating my account is delinquent and has now been brought current with a new payment plan, one that I never authorized, and I asked the borrower on the account, but she did not authorize it either.
Consumer complaint received 2020-03-17
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)

I have an account on my credit report that I DO NOT RECOGNIZE and believe it to be fraud. I have tried to call XXXX, both the savings/checking and the credit card customer service numbers to inquire. They can not locate the account with the SSN I am providing them. On my credit report it is tilted XXXX XXXX # XXXX with a balance of {$23000.00}. This transaction did not show up on my credit report until XX/XX/2019. Please help! I am in the market to buy a home as a first-time home buyer and I can't believe I have to deal with this when I've done nothing but keep my credit as good as possible!
Consumer complaint received 2020-03-17
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. (NJ)

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  DEPT OF ED/XXXX DPT ED/XXXX  XXXX  XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX DEPT OF ED/XXXX  DPT ED/XXXX  XXXX  XXXX XXXXXXXX XXXX XXXX   XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX DEPT OF ED/XXXX  DPT ED/XXXX
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file.I have submitted serval complaints about my reports not reporting 100 percent accurate I errors which are FCRA violations. I would have to have to file and take this matter to the next level. The items I need deleted are listed in the report.I ask that the items be deleted to correct my credit report.After praying not to suffer as a victim much longer so I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Affidavit. Please delete the items as soon as possible. FDCPA SECTION 807 VIOLATION for misleading false reporting! Along with the violation of my right to privacy 15 USC 1681 ( a ).
Consumer complaint received 2021-06-16
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. (PA)

There are two accounts on my credit report that are not mine I need these off my credit report since I dont knwo what these are and I have not signed or authorized any amount like this what is going on??? 


XXXX XXXX - Account # XXXX Amt {$0.00} Opened XX/XX/2015 XXXX  - Acct # XXXX Amt {$0.00} Opened XX/XX/2015 XXXX
Consumer complaint received 2020-03-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I moved from XXXX  to XXXX on XX/XX/2020. I am still learning all the laws of this state of XXXX. I parked for less than five minutes at a XXXX parking lot to go across the street. I returned quickly and was booted. I was told I was not supposed to park there and go across the street. I was charged {$170.00} to take the boot off. This amount was a big hit to me when I am still getting settled in and have no job yet. 
I was told by the parking company I could appeal this amount. I email them a few times but no response. I then filed a dispute with my bank and they are denying my claim stating I have already paid it. Yes I paid but Im trying to get my money back. I have never been in this situation and this money can really help me.
Consumer complaint received 2020-03-29
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have tried multiple times to dispute my bankruptcy report being remove from XXXX TransUnion and XXXX  due to my case being closed need help removing it off my credit report.i also wrote my circuit court about verifying my record which they reply that they are not able to release info to credit bureau. My XXXX also is in freeze status.
Consumer complaint received 2020-03-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber (CA)

I made a dispute about this Grant & Weber , INC. showing up on my XXXX  credit report on XX/XX/2020. XXXX  was not able to do anything about it due to the company saying it was in fact me, but it is not, I received a letter from the collection agency XX/XX/20 attempting to collect the debt of {$1100.00} and I've tried calling them with no luck. The company made its first attempt to collect the debt from me after receiving my correct address from XXXX. This shows they had a different address on file that was never mine.
Consumer complaint received 2020-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Equifax is reporting a XXXX XXXX acct # XXXX this account is closed How can there be a past due amount for {$7300.00} with Equifax still reporting on this acct as of XX/XX/2020 my limit on this card was {$4500.00} how is my balance higher than my limit. 

XXXX is reporting XXXX XXXX XXXX XXXX XXXX same acct # XXXX with my credit limit of {$4500.00} a balance of {$7300.00} acct closed last report XX/XX/2020.