davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NV)

All I am trying to do is unfreeze credit so I can let purchase rural internet service. They need to do credit check. Can not get to Experian by phone as when I enter information to prove identity, they say information isn't correct and it won't let me get to representative to fix issue. When I try and sign-in on line just more of the same. Says my XXXX XXXX  and birthday don't match, so once again I can't get into system. Have emailed XXXX  times now and keep getting back the same instructions on how to sign-in and reset password and username, but can't do any of that because I can't sign-in and it keeps telling me my personal information is wrong. Like I don't know my own birthday and XXXXXXXX XXXX. Can not get to human being by phone or online. XXXX XXXX XXXX  " Your Experian team '' says they can't make an outgoing call to me or give me a number to call them that bypasses their phone matrix. Experian is holding my credit XXXX and says their isn't anything they can do to help when the problem is obviously corrupted files on their end. I know my birthday and XXXX XXXX Please help.
Consumer complaint received 2024-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ive recently check my credit report in because I decided to change my life and chase my dreams and noticed a few in accuracies on my profile. Please check every piece of information and make sure its accurate and accountable in accordance to the Fair Credit Act
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/XXXX Dear Credit Bureau, I, XXXX XXXX XXXX, have written this letter to dispute late payments that are falsely listed on my credit report with your bureau. The following accounts have never had late payments and are inaccurate. According to the Fair Credit Reporting Act, legally the following inaccurate items must be removed and reflect current pay history. I have already contacted the company, and they do not have any late payments reflecting on my file. 
The following late payment must be removed immediately : Creditor Name : XXXX XXXX XXXX XXXX Type of Business : Auto Loan Account Number : XXXX Date of Late : XX/XX/XXXX This is my official request to have the aforementioned items to be deleted off my credit report.
Consumer complaint received 2023-02-21
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (TN)

On the XXXX of every month I'm being charged XXXX to XXXX dollars in fees in which XXXX is for interest and XXXX is towards principal balance the other XXXX is going towards something called a customary fee... I've made these payments for almost a year now and only XXXX dollars has come off of my principal balance of XXXX dollars, if I continue to make these payments it will take 30 years to pay off this XXXX dollar loan because of this customary fee... I've done research on Title Max and found that your Bureau fined them 9 million dollars back in 2016 for it's unlawful acts in the states of Georgia, Alabama, and Tennessee, TN being the state I reside in... I've went in to speak to an agent at the XXXX XXXX XXXX location and the agent couldn't explain to me what this customary fee is and neither is it explained in their payment documents sent to me each month, this customary fee is a direct implication of predatory lending
Consumer complaint received 2023-02-09
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF THE WEST (OK)

On XX/XX/XXXX I sold a diamond ring to someone on XXXX market place for XXXX dollars. I then transferred the funds into my checking account from cash out on XXXX XXXX XXXX Then on XX/XX/XXXX cash shop withdrew the money back out of my account without my knowledge or consent. I contacted the bank customer service and filed a dispute with regards to the funds then taken from my account. Where I believe the bank was at fault for for allowing cash out to withdraw {$400.00} for my account making my account be negative. For Bank of the West and give me the opportunity contest or see what my side of the story was in regards to this action against my account. On XX/XX/XXXX Bank of the West denied my dispute and rude in favor of cash out based on the fact that they said I gave them access to my account. First of all Bank of the West has the absolutely right to safeguard my account and funds in my account, XXXX had no good Reasons to withdraw any money from my account after me, XXXX on XXXX completed our transactions. Bank of the West made itself libel when they allowed cash out to withdraw These funds from my account. I wasn't even given the even given benefit of the doubt by my bank which has left a bad taste in my mouth.
Consumer complaint received 2023-02-21
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. (MI)

In accordance with the Fair Credit reporting act XXXX Account with XXXX and Equifax has violated my rights. They are furnishing information that is inaccurate and incorrect regarding an account with XXXX XXXX  also known as XXXX XXXX  XXXXXXXX XXXX XXXX 15 U.S.C 1681 section 602A. States I have a 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 2023-02-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PNC Bank N.A. (OH)

Been calling customer billing department keep putting me on hold as if stalling asked to send me a verification of debt letter, asked several times to send proof of debt they kept hanging up on me needed original contract, asked for wet signature, never responded, very nasty with me on phone
Consumer complaint received 2019-12-29
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

The XXXX XXXX  XXXX  is inaccurate, this is from an issue from late XXXX. Was under XXXX XXXX  XX/XX/XXXX. They keep transferring to another collection to affect my credit report more, with inaccurate dates and as new incident. None of the credit reporting agency did a proper investigation and just dismissed the dispute. They stated they called the collection agency and they said it was accurate. That was it, my consumer rights are being violated. It is fraud and intimidation to repeatedly transfer it just before it is suppose to be removed from the credit report. These collection agency are in the same area and it is obvious. If they looked at my credit report they would see was report XX/XX/XXXX and is not from an incident this year.
Consumer complaint received 2023-02-09
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CO)

THIS IS NOT A DUPLICATE!!!!!!! My complaint submitted XX/XX/23 COMPLAINT ID XXXX has STILL not been resolved. I have been asking for a single point of contact for literal years and have yet to be assigned one. Please give me the name and contact information of my single point of contact! Both Colorado ( CRS 38-38-103.1. Single point of contact ) and federal code ( Civil Code 2923.7 ) mandate that servicers promptly assign a XXXX to the borrowers seeking mortgage modification assistance. Carrington Mortgage LLC has been the servicer on my mortgage for three years, I have submitted countless hardship packets and have been stonewalled and received no response and misinformation from the assorted people that answer the phone in the call center. Please hold this company accountable and make sure that they have met their obligation to assign a single point of contact BEFORE closing the complaint.
Consumer complaint received 2022-10-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (MI)

XX/XX/2022 I received my papers to sign for my loan modification, I sent them all the required paper work that flagstar ask for paystubs, hardship letter and a copy of my deed and I still have not had this issue resolved. There is a name on my mortgage papers and flagstar says its also on my title. Everytime I call flagstar I get a new person and I have to start all over again with this process. I had a point of contact but everytime I call and ask to talk to him he is either busy or out of office. His name is XXXX XXXX loss Mitigation department at flagstar bank. XX/XX/2022 I spoke with a gentleman from flagstar named XXXX he told me he would send out a rough draft of loss modification with just my name on it and I still havent seen that.And now they terminated my loan and I have until XXXX to come up with XXXX
Consumer complaint received 2023-02-03
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-02-17
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX  ACCOUNT # XXXX, and XXXX XXXX XXXX ACCOUNT # XXXX have 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 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-02-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

- Merchant 's name XXXX XXXX - Amount XXXX - Date of the transaction XX/XX/2023 XXXX PM Transaction posted but reward for payment never arrived. Contacted customer support who told me " For rewards related inquiries, Customers can reach out by phone ( call the number XXXX select option 5 followed by option 1 for questions/concerns regarding account information, trading, rewards, deposits and withdrawals ) live messenger, or fill out the support form located at : https : //help.coinbase.com/en/contact-us '' Opt 5 and opt 1 does not exist on XXXX. 

Called company anyways, waited one hour, found out need " account specialist department '' but they aren't reachable through phone or any other method. 

Forced to use CFPB to get response.
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: SYNCHRONY FINANCIAL (CA)

XX/XX/XXXX requested a dispute from synchrony about a package I did not receive from Jcp. 

Said I will receive a letter in 7-10 business days about the dispute. That did not happen. 

XXXX-opened new dispute again With synchrony because I am not paying for a package I did not receive. 
They said XX/XX/XXXX Additional documentation from Jcp : confirmation of package received and they closed my case from XX/XX/XXXX. They told me to contact the merchant who will not resolve the dispute. I contacted them XX/XX/XXXX and they told me they could not do anything for the dispute. That is why I contacted synchrony to dispute.
Consumer complaint received 2023-02-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America Advantage SafeBalance checking account opened in my name on XX/XX/23. Called the bank to report it and the account was closed by the fraud department and recorded. Also, filed a police report and reported identity theft to the credit bureaus. On XX/XX/23 another Bank of America SafeBalance checking account was again opened in my name. With both openings, I was notified by email of the application and seconds later of the approval. Bank of America stated they could not give me any information on the checking account opened in my name because I did not open it and there was nothing they could do to block future accounts being opened in my name.
Consumer complaint received 2023-02-09
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. (SC)

XXXX XXXX XXXX closed my account and reported it to the credit bureaus as settled. This lowered my credit score significantly. 

I contacted XXXX XXXX  and was told the account was closed due to XXXX missed payments. I have not missed payments. My account, which was open for years, had monthly scheduled automatic ACH payments through my bank account. My account details did not change and funds were available. My bank ran a report of my account activity. The report verified that I had XXXX overdrafts or returned payments. The report also confirmed that XXXX XXXX did not present my scheduled ACH for payment during the months in question. 

I provided this information to XXXX XXXX. They reinstated my account without my permission, now there is derogatory reporting due to the combination of the settled account and new account reporting errors. 

The final issue is that XXXX XXXX has not resolved the reason my automatic draft was not presented for payment. They have directed me to resolve this matter with XXXX Customer Support. XXXX Customer Support could not resolve and deferred back to XXXX XXXX. I am without resolution.
Consumer complaint received 2019-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE DO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2021-07-27
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. (PA)

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : XXXX-Date of inquiry XX/XX/2021
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I Reviewed my Credit Report Once again. It seems like there are addresses in my file that are erroneous and incorrect Please validate and delete these addresses immediately : 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 2022-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (TX)

I received a notice from XXXX that a collection was placed on my account today from Southwest Credit Systems , LP XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX ( XXXX ) XXXX or ( XXXX ) XXXX. 

I contacted this agency and they could not locate anything in their system with my personal information or anything related to the file associated with my personal information or social security number. 

I asked them to remove it from my account, and they told me to contact the original creditor that I never had a relationship with. I have no idea where the collection came from, nor could their organization. I told them it was their responsibility to remove it since they are the party that placed it on my credit report. 

Southwest Credit Systems , LP refused to take any action even though they verified that the account was not associated with me, knowing they were the party responsible for placing the collection on the wrong person.
Consumer complaint received 2022-11-01
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-11-01
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: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-11-01
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. (NC)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.