davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-13
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. (NY)

XXXX XXXX XXXX has been submitting false information about one or two cooperative loan accounts depicting that I am late now 120 days. Both these accounts have been paid off in XXXX and XX/XX/XXXX in full. XXXX has a dispute that they believe I owe them money because they paid money to the cooperative that I factually informed them that I did not owe, and the money they paid them the payment states for hazard insurance in XXXX. I informed them in XX/XX/XXXX that I did not owe the cooperative any money, and XXXX stated in XX/XX/XXXX that they would not get ( see  attachment ) involved with any dispute between myself and the cooperative as the money alleged by the cooperative to be owing at the time was more than what was owed to XXXX. Furthermore one of  the loans was paid off in XXXX ( see XXXX XXXX issued by XXXX -attachment ). Furthermore, I continued to pay both loans ( which is not clear which one if not both are on the credit report as one is depicted as current but still open and the other one is depicted as 120 days late with the same account number Account # XXXX ) The account with the XX/XX/XXXX open date is the one depicted as late ( Original Balance {$14000.00} with a Balance {$50000.00} ) however both should be closed. I never entered into an agreement to extend additional credit beyond the {$14000.00} owed on the original loan and XXXX has no right to extend such or charge such additional money to the account. I never received notification for what the {$50000.00} is for either. They further have changed my address to a XXXX address which is in fact the address of their attorneys XXXX XXXX further deteriorating my credit. Based upon information and belief it is also where they have been sending all my correspondence, as I have received no correspondence from them since XX/XX/XXXX. Furthermore all payments to both accounts were made monthly with one check and there can be no way that payments were not applied to both accounts simultaneously other than that XXXX has been splitting up my payments and giving them to XXXX XXXX bank which has no authority to receive or accept my payments. See attachments of checks negotiated by XXXX XXXX but sent to XXXX. I already checked with XXXX and they stated that XXXX XXXX is not the owner of the loan as they initially stated but rather that XXXX XXXX actually is pursuant to a service agreement ( which I never have seen )
Consumer complaint received 2018-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I recently got calls from 2 credit card companies, one from XXXX, the other XXXX XXXX XXXX XXXX, that I have applied credit card which I did not. I was confident that someone is applying the card on my name. I started to visit 3 major credit company websites ( XXXX, XXXX, Transunion ) to place credit freeze on, only to find out that there's obvious way to just freeze my credit. instead I am directed to buy their $ XXXX {$30.00} per month protection bundle services individually. I know that my credit information is compromised due to XXXX data leak in XX/XX/2017 and I was able to put credit freeze on this for free at least, but the rest of the other bureaus are trying to capitalize on the information leak from other bu
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (WI)

XXXX XXXX : XXXX Main Date : XX/XX/XXXX I never made this inquire, this is not mine, this is fraud. This account is not mine. 

Company Name : XXXX XXXX XXXX Date : XX/XX/XXXX Account not mine, inquiry removal. 

Company Name : XXXX XXXXXXXX XXXX Date : XXXX XXXX, XXXX Account not mine, inquiry removal. 


Company Name : XXXX Date : XX/XX/XXXX, XXXX Details : I did not approve of this, promotional inquiry Company Name : XXXXXXXX XXXX Date : XX/XX/XXXX Details : Credit report, I did not authorized this on my file. 

Company Name : XXXXXXXX XXXX Account number : XXXX Details : Not correct : The balance on this account is way to outstanding and high it's not correct. Last payment date/Closed Date incorrect. 

Company Name XXXX XXXX Date : XX/XX/XXXX Details : Account not mine, I never been in XXXX this is fraud inquire, I would like this t be removed ( fraud ). 

Company Name : XXXXXXXX XXXX Date ; XX/XX/XXXX Details : I did not make this inquire this needs to be removed! XXXX XXXX. 

Company Name : XXXX XXXX XXXX Date : XX/XX/XXXX Details : This needs to removed information is incorrect.
Consumer complaint received 2020-03-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

It has been a nightmare to retrieve clear information on my current mortgage company since 2005 my original loan balance has sky rocket to XXXX from XXXX with no clear reason why. I am under litigation with XXXX XXXX XXXX XXXX who is suppose to be the original lender but all documents are un clear on who owns my loan. I am represented by a law firm that is protecting my intrest in my property. I requested documentation on payments history but no one has addressed my request. There are jumps of huge amounts on my credit report not showing why, unclear charges and reason. We have gone to court. Which a forclosure was set to take place and an appeal was issued. DATED WAS CANCELED AND NO NEW DATE HAS BEEN ISSUED.I have been throught 5 different mortgage services,1 XXXX  XXXX,2 XXXX XXXX XXXX XXXX, 3XXXX XXXX XXXX,4 XXXX and know 5 carrington mortgage. They report to XXXX  and XXXX  misleading Information, and inaccurate information. I have sent certified letters to the credit bureau with no resolution. I requested proof of amount due and MY complaints have not been address. Only that validatation was completeted. When I call they just tell me the orginal lender has verified the information, but when I ask how they never address my question. When I request proof they never respond. Until the information is validated and submitted for legal review I need the information on my credit report suspended and deleted. Under the fair credited reporting act unverifiable or incorrect information can not be reported
Consumer complaint received 2020-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CA)

Today is XX/XX/XXXX. I have been contacting Citibank for the past month and a half. The issue is I've been trying to get my bank statements from the beginning of XXXX to the end of XXXX. I don't have an account with them anymore. I've called multiple times and have gone to many branches. The branch would tell me they don't have access to my old account and tell me to call corporate. Corporate would then tell me that they don't have access and that I have to go to a branch. I need these statements ASAP for tax purposes. The IRS sent me a letter stating they need proof of income for those specific years and the bank statements are the proof I need my deadline is the XXXX of XX/XX/XXXX. I don't have that much time!!! I'm just looking for someone that can help me resolve this issue.
Consumer complaint received 2022-06-06
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: General Motors Financial Company, Inc. (IL)

I have an account reporting on my credit report that does not belong to me I have sent GM Financial letters requesting removal and they refuse to adhere to the laws they are required to follow. Not only have I never driven this car, the criminal that took this loan out missed several payments.
Consumer complaint received 2020-03-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Elite Financial Services, Inc. (TX)

Lady is calling saying we are sending XXXX county to your location. I am going to contact XXXX county to see if this is true. They are giving me a case number saying you will be picked up at work or your residence. These companies are selling my information to other people to make it look like I have a loan out. This is the XXXX XXXX and XXXX collection agencies.
Consumer complaint received 2020-03-03
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Cottonwood Financial Ltd. (TX)

Someone is calling me saying we have a case number we are looking for your location. We are sending XXXX county to pick u up. These calls need to be stopped. These people are selling personal information to different people trying to get your debit card information.
Consumer complaint received 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (TX)

We have incorrect information being reported to the insurance companies by LexisNexis. 

This has caused a denial of coverage and an increase of over 300 $ per month in our current insurance premiums. 

It was reported that my husband was at fault for an auto accident that took place in XXXX of XXXX. This information is INCORRECT!! 

My husband was rear ended by a company vehicle. The other driver was at fault. 

The report also lists that he was involved in 2 at fault accidents on the SAME day, in XX/XX/XXXX, this is incorrect! He shut the garage door on the trunk of the car and we filed a claim to fix the dent. There was no accident, it was a comprehensive claim only for damage caused by the garage door. 

I included a copy of the insurance denials and the reason, and also a copy of the claim paperwork from the insurance company that shows the at fault party being the other driver.
Consumer complaint received 2021-11-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (IN)

On XX/XX/XXXX, I bought a token called Gyen at the price of XXXX cents on coinbase pro. I bought token for my mother and myself, both trandactions closer to {$1900.00} each. Coinbase halted all the trading. Since it is considered a stablecoin, the price of the token should have had a stable price from the begginning. Many people didnt know this. By default you buy and sale coins on coinbase, a behavior that has becomed automatic and coinbase knows that. Buy low and sale high that is the purpose of trading. When coinbase halted all the trading it caused many customers to recieve loses. Coinbase let trading go on for several days and later stopped the transaction due to unusual activies to later resume, coinbase should have never resume trading to minimize losses to the clients. Coinbase never acted in the best interest of clients but the best interest of themselves. 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 I believe coinbase is acting in bad faith and it is trying to set the blame on the users.
Consumer complaint received 2022-12-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OH)

About XXXX  yr ago I had XXXX XXXX take over and pay my bills. I have made every payment but one ( due to moving back to XXXX  from XXXX  ). I was also on a reduced payment d/t Covid and a XXXX XXXX, but continued to make payments every month. 
I had both a XXXX accout ( they sold the account to XXXX XXXXXXXX, who sold the account to XXXX XXXX, ( account ending inXXXX XXXX XXXX ) XXXX XXXX has the account listed as XXXX XXXX, but all payments are made to XXXX XXXX and are up to regular agreed upon amount. 
XXXX XXXX  is also being paid for account ending XXXX listed as XXXX XXXX XXXX and every month the bill has been paid ( proof to follow. When I went with XXXX XXXX the XXXX and XXXX account together equaled more than {$7500.00}. And Im down to about {$2000.00} for both accounts, proof to follow. So XXXX XXXX has listed both accounts as written off. I have contacted them several times and they have told me because I had to make reduced payments they can show it as written off I spoke with XXXX last week. I told him it was false reporting and he said I was wrong. Im a XXXX yo XXXX  and have no record of late payments, BUT WAS DENIED CREDIT D/T XXXX  refusal to show the account as being paid on. 
Now. I have contacted Equifax and they refuse to fix this error and now I cant contact them at all. ( when I call a phone message comes on and asked me for my information which I give and it tells me its incorrect and cuts the phone off. Im printing them. They sent me a copy of the credit report, but refused to upgrade my income, or return dress this problem with XXXX. Please help me fix this.
Consumer complaint received 2023-07-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I closed my safe deposit box on XX/XX/2023. Went into the branch, signed paperwork and gave them the two keys I had. They gave me a {$25.00} credit on my account for the keys. Annual renewal was XX/XX/2023. They gave me no paperwork and no receipt. I had to take off work to do this. 

On XX/XX/2023, Fifth Third charged my account for the safe deposit box for another year in the amount of {$86.00}. I called Fifth Third customer service, they could not help me, told me to call the branch. I called the Fifth Third branch, no answer and no voice mail to leave a message. This was XXXX XXXX today. 

I can not take off work again to go to the branch to ask about something that should have already been handled a month ago. Please ask them to refund the {$86.00} immediately. I am trying to close out all my accounts at Fifth Third, but they are making it impossible for me to do so.
Consumer complaint received 2020-01-07
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. (NC)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON XX/XX/XXXX AND XX/XX/XXXX ON MY XXXX XXXX XXXX. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNT FOR I HAVE BEEN A XXXX XXXX XXXX MEMBER SINCE XXXX.
Consumer complaint received 2020-01-07
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: Bread Financial Holdings, Inc. (CA)

I applied for a credit card from comenity bank and they checked my credit numerous times I was on hold a few hours with Comenity Victorias Secret I was not resent my approval also they mailed me over several credit decisions and comenity bank ran my credit while I was on the phone telling them to absolutely not run my credit because my credit was good now its the lowest its ever been they have sent over ten messages, text messages, and mail to me please have them remove all the credit inquiries that were unauthorized and put me on the do not call/ email/ mail any harassment also why was I on hold so long without it ever being answered I no longer want a credit card with comenity please keep this private. 
Also I submitted a complaint with the XXXX  against XXXX XXXX XXXX XXXX for having been on hold for four hours and after the completion of the call the card was sent to the wrong address they are sending me harassing voicemails, postcards, and rude when I did call for my replacement card. Isnt it protocol for a business to only respond through the XXXX  to contact me? I am disputing a flight that was canceled, unauthorized use of my card ( I did include the police report ) and a debit adjustment. I mainly want to know why my dispute was denied before the statue of limitations run out, thank you! XXXX
Consumer complaint received 2024-04-17
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (PA)

I am trying to buy a house, and SUNRISE CREDIT SERVICE placed a account on my credit report. According to the Fair Credit Reporting Act ( FCRA ), the collection agency in question has infringed upon my rights. Under 15 U.S.C. 1681 Section 602, it is clearly stipulated that " I have the right to Privacy. '' Furthermore, 15 U.S.C. 1681 Section 604, subsection A, section 2 explicitly states that a consumer reporting agency is prohibited from furnishing an account without my written instructions. Moreover, I have not received the required letter of validation for the debt in question, which means I have not been provided with written validation or proof that this debt belongs to me.
Consumer complaint received 2020-01-07
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)

I was trying to trade in my car today XXXX2020and I was unable to due to my credit being in poor standing. I had no idea about this before today ; I looked over my credit report and accounts and I saw that there are two accounts that were opened in my name without my permission. Neither of those accounts belongs to me nor did I ever make any payments towards any of those accounts and I did not benefit anything such as money, goods, services or any other benefit. I have never had any written or verbal contract with any of those companies nor did I ever allow them to run or access my credit information. I have already filed a police report regarding this matter.
Consumer complaint received 2023-05-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: EVERBANK, NATIONAL ASSOCIATION (CT)

This complaint regards the failure of TIAA to act on, or respond about, the W-4P form I filed with TIAA. The W-4P form I send TIAA by fax requested additional tax withholding from RMDs to be distributed from my XXXX ( b ) accounts at TIAA. The W-4P form was filed with TIAA by FAX on XXXX XX/XX/2023. 
Many phone calls to TIAA since XXXX XXXX have revealed that their computer systems are unable to process my simple withholding request. My most recent phone call was on Monday XXXX XX/XX/2023 when I spoke to XXXX who investigated the situation and told me that TIAA was having great difficulty managing such requests. XXXX promised to contact me again about the difficulty on Wednesday XXXX XX/XX/2023, but I have received no further communication from TIAA.

I request that TIAA be tasked with appointing a specific individual to take charge of my request and provide me with written status reports regarding compliance with the additional withholding I have requested by filing form W-4P with TIAA by fax.
Consumer complaint received 2023-07-24
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: AMERICAN EXPRESS COMPANY (TN)

American Express ( AMEX ) XXXX XXXX has placed a corporate business debt onto my personal credit report as of XX/XX/XXXX and my credit report has plummeted over XXXX points. In XXXX, AMEX closed my platinum, XXXX, and XXXX card after I paid off the previous two. Additionally that year, they stripped my online access to pay my XXXX card online. After several failed attempts over the phone of them walking me through a website that clearly did not allow me to pay my credit card bill they offered to enter me into a payment relief program that was automatically drafted from my accounts each month. 

I was aware that this was a scam used meaning they really wanted me to provide automatic payments via one of my checking accounts and not allow me to pay online as is my preference and how my business pays all of our bills. In the Spring of XXXX, my business hit another pitfall with clients terminating their contracts and leases early. Therefore, I was unable to make my obligation of paying my bills but explained to AMEX that if they allowed me online access that once money came in I could pay them, however they insisted that I give them an online account from which they could withdraw monies from. We were at a stand still. 

As of today, XX/XX/XXXX another AMEX employee just hung up on me after gaining all of my new information for work address, email, phone, personal address, SSN, and date of birth. He has yet to return my call to discuss removing this business information from my personal credit account and adding to my business account. He informed me because it was a small business account that they could do it, meaning place business debt onto my personal credit report. I explained that it is a violation of my personal credit as outlined by the consumer financial protection board and is considered incorrect, fraudulent accounting. That's when the phone hung up. I'm even unsure if my conversation was valid with an actual employee, when I was transferred 4 times within a 3 minute timeframe with AMEX. Likewise, upon my first two calls with reps at AMEX, no one could even find a debt because it is not in my name but established with my business. 

All of this could be resolved and the debt can be paid if AMEX would allow online payment of account, but somehow they believe removing access to systematic payments to be punishment for going through business slumps.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Tesla, Inc. (IL)

I got an alert that a new employer has been added to my credit report, XXXX, Tesla. I have never worked for this company and I am not sure how the employer got updated to this company without any notice or verification process.