davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-22
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: EQUIFAX, INC. (NV)

On XX/XX/2023 i sent equifax a dispute in regards to a collection that appeared on my credit. Its been over 60 days now and i have yet to get an response it seems that my dispute was entirely ignored.
Consumer complaint received 2021-09-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Mid XXXX I mailed Transunion a dispute letter requesting an investigation. A received the green return receipt card from the USPS that it was received. A copy of the card is attached. A week or so later Transunion mailed me a letter requesting to send proof of address and identity to which I did. 

So I checked online on the Transunion website and I sent that nothing is in dispute or was marked in dispute. 

So Transunion has exceeded the 30 days required by law to investigate my dispute and number 2. Has either failed to notify of me of my dispute or even initiate a dispute per my request.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

On or around XX/XX/2023 EQUIFAX RETALIATED against me by lowering my credit score by ( XXXX points ) after I reported that they had incorrectly lowered my score by 30 or more points earlier this month. ALSO, I recently received my consumer Report from EQUIFAX and noticed that there is still INACCURATE, OUTDATED information on my report including my NAME and EMPLOYMENT HISTORY I have included a copy of my drivers license with my CURRENT LEGAL NAME and would appreciate it if EQUIFAX Would update my consumer report to ACCURATELY REFLECT MY PERSONAL INFORMATION. please see attached letter.
Consumer complaint received 2024-02-19
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: Experian Information Solutions Inc. (FL)

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (RI)

I applied for and received assistance from the Homeowners Assistance Fund of Rhode Island ( XXXX ) to help me with missed payments due to XXXX related reasons. They awarded me with a reinstatement grant of {$7500.00} which was sent to Dovenmuehle on XX/XX/2023. This payment would bring my account current but Dovenmuehle continues to hold my account in default. They continue to charge late fees and cause negative remarks on my credit report. When I contact the company no one can tell me what happened to the payment or why it has not been applied. 
I am concerned they are trying to force this mortgage into foreclosure despite having received payment.
Consumer complaint received 2021-09-01
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. (NJ)

Hello, it has come to my knowledge that the information reporting on my credit is Noncompliant according to the Metro 2 Compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2021-08-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I applied for a refinance on my 1st mortgage. I did not want to combine my 2nd mortgage with it. The 2nd mortgage can be paid off in 5 years so I don't want them combined into one. They want want us to pay them a large sum to lower the balance. They are interfering with my ability to pay off my 1st and 2nd mortgage faster. I am trying to refinance for lesser time on the mortgage.
Consumer complaint received 2019-12-11
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. (UT)

Last year around XX/XX/XXXX, I noticed a hard inquiry has been reported against my XXXX  credit report, first I tried to dispute online, along with a XXXX  XXXX account which is not belonged to me, however their website keep saying errors and online dispute was not able to be done at that time. 

Then I called XXXX  after I tried several more times with online dispute, they said they will investigate that issue and suggested me to contact XXXX XXXX & will investigate for that hard inquiry I have never authorized. 

I called XXXX XXXX and they said because I am not their customer, so they are not able to do anything and suggested me to wait for the XXXX  's dispute result. 

At the time, we have activated a fraud alert and credit report freeze. 

A year later, I believe the fraud alert and report freeze has been expired, I look up my credit report again, found another inquiry occurred at XX/XX/XXXX which I have never authorized again, and the hard inquiry that made last year still there, along with that XXXX XXXX 's credit card account which is not belonged to me. 

Therefore, within the whole year, XXXX  did not do anything to fix those 2 issues. 

I have submitted disputes for those 2 hard inquiry, however, when I tried to dispute the XXXX XXXX credit card still saying errors for the website.
Consumer complaint received 2021-08-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2021, I XXXX XXXX was denied a credit card by Capital One, I received an Adverse Action letter from them detailing their reasons for the denial. The problem is their reasons don not in any way comply with the FDCPA, TILA or the FCRA. I supplied my open end credit card also know as my SS #, still I was denied. I responded to the Adverse Action letter, which was sent by Capital One. To this day they have not responded. My response details their violations of the above mentioned laws and includes the remedies that I seek. The documents were sent USPS certified mail return receipt # XXXX and was delivered on XX/XX/2021.
Consumer complaint received 2021-08-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

On XX/XX/2021 I transferred XXXX shib tokens to my coinbase account instead of my connected coinbase wallet by mistake and Ireceivedaconfirmationemailfromthemthattransactionwascompletedsuccessfully. Since then I've opened over 50 support tickets and submitted around 7 complaint forms in addition to over 60 emails requesting help. I don't see tokens transferred in my account or my wallet and wanted them to confirm that they see them and that I haven't lost them already. And I always asked them to move tokens from account to wallet internally so I can continue investing. Most of the time they never responded to me and in the very few times they did, they would lie and say a specialist is reviewing your account but nothing happens and they never inform me of the review results. I've put all my savings in these tokens and I'm suffering every day worrying about loosing my tokens and money. Coinbase has no way to be reached by chat or phone to talk to a real person and they keep contact via support tickets which they never care about in reality. They don't care about their customers needs, questions or concerns and completely ignore them. I need your help please resolving this issue for me and a lot more of coinbase customers. Thank you
Consumer complaint received 2022-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I believe trans union has done a dark pattern on my credit report also my information was shared with third parties without my consent some of the inquiries on my report should not be there they are either closes or was part of a bankruptcy etc
Consumer complaint received 2019-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC (FL)

This compliant against company the name as Early Warning service   office locator in the state of XXXX az. base the information that receiver from bank XXXX.the consumer agency that no bank report to then. base of the fact submit to me through document that I receiver from the bank there information was inaccurately. it stated that I have number returned item from number bank. which was find to untrue. that was an indiction that occur back on XX/XX/2019 where the court put a hold on my and my wife account for XXXX. XXXX which in fact was correct in about 60 day. in XX/XX/2019 notify me about this information through a request. from early warning just send a statement along from XXXX XXXX that I had negative item in my file. this was on XXXX XXXX once I receiver this information I contact the bank. XXXX XXXX. XXXX XXXX XXXX XXXX. we spoke to XXXX   XXXX XXXX XXXX and all these bank stated to me that never submit any neg information about your back account. and that they only report to XXXX XXXX for some one abuse of any check account. Early warning service LLC has being suite once before. about this type of practice in the past. and that not what I want to do I just want it clear up soon.. there was only one report by XXXX XXXX base on the court action that took place in XXXX. which in fact we settle dose issue. and it was base on the fact of the court order. the court close the account not Mr. XXXX and you has that evidence in your file. it was not like I just abuse any account in the past, this information was report to CFPB for investigation and all the bank response back with this information no bad account as to Mr. XXXX check account so therefore early warning service LLC. need to delete those neg information about this indiction. because XXXX XXXX dose not have any bad information went it come to Mr. XXXX. check or deposit account.
Consumer complaint received 2024-02-19
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: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-16
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. (FL)

TODAYS DATEXXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX TransUnion Consumer Solutions, XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2023-07-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CT)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2021-08-31
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. (WI)

I called the credit bureaus a few months ago because there were multiple accounts showing inconsistencies and multiple inaccuracies between all three bureaus. Phone rep advised me to send in a dispute letter included in that letter would be my id, ss #, and utilty bill proving my identity and address. Til this day the same inaccuracies are still showing on my credit report. Please help *****everything was mailed certified.
Consumer complaint received 2022-12-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NPAS, Inc. (NH)

Hello, I went to XXXX XXXX XXXX for an MRI. I was told at the time of service that my total due for the co-pay for the service was {$200.00}. That was a lot of money, but I had a neck injury and had to have the test. I paid the {$200.00} co-pay that was requested, which XXXX XXXX has acknowledged. 

Months later I received a bill from XXXX XXXX for {$1200.00}. They told me that they quoted me the wrong price at the time of service, and that I owed them that {$1200.00}. I explained to them what happened and that there must be a mistake. They agreed to look into the situation further. A month later they got back to me and said I owed them {$1200.00}. We did this 4-5 times, each time telling me they were sorry for THEIR mistake, admitting their error, but essentially saying sorry, but I still had to pay. I explained each time that I never would have agreed to pay for that test, I couldn't have. I explained repeatedly that it was their mistake, and what they were doing amounted to a bait-and-switch for service payment, which was essentially illegal, an no one I spoke to cared. 

Then XXXX XXXX sent the payment to collections, and I have been getting 2 phone calls a week for months. This is harassment, and for a debt that I do not owe, because of mistake XXXX XXXX made.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I have reached out to the credit agencies regarding USAA ACCOUNT # XXXX, listed on my consumer profile, which has never been properly verified. I HAVE ALSO CONTACTED USAA, who also failed to provide the proper verification of debt. I have received correspondence from a agent inside of the USAA executive off by the name of XXXX, who said the verification would be provided shortly, violating the FCRA by not producing this evidence within a 30 day period. I then allowed usaa even more time to provid this wet ink signature contract, which they have only sent a summery of the account statement, TITLED, VERIFIACTION OF DEBT. AFFIANT, ME, XXXX ; XXXX XXXX XXXX, have never seen or witnessed any contract between myself of this corporation. PER FCRA 609a, if this documentation can not be provided within 30 business days, this item must be permanently deleted from my consumer file. ACCOUNT SUMMARY is not valid verification of debt. I HEREBY REQUEST THAT THIS INFORMATION IS DELETED FROM MY CREDIT REPORT WITHIN 4 business days. THEREFORE, this is a form of fraud, and USAA has mislead the public, my defaming my name and credit worthiness. Shall these items not be deleted, a litigation process will begin. Please see the attached documentation
Consumer complaint received 2021-08-31
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: Experian Information Solutions Inc. (TX)

My update to closed complaint XXXX, Experian request authorization for CFPB to begin an investigation. See my enclosed attachment that was mailed on XX/XX/2021 ( USPS Certification # XXXX XXXX request to allow CFPB to perform this and any future investigations.
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I called the credit bureaus a few months ago because there were multiple accounts showing inconsistencies and multiple inaccuracies between all three bureaus. Phone rep advised me to send in a dispute letter included in that letter would be my id, ss #, and utilty bill proving my identity and address. Til this day the same inaccuracies are still showing on my credit report. Please help *****everything was mailed certified.
Consumer complaint received 2021-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (IL)

Over the last XXXX years my identity keeps getting stolen. 

First it was with XXXX, then I received a collections from paypal for $ XXXXToday I woke up and someone opened an online banking account with XXXX. Also 3 years ago I had my snapchat hacked and my friends were scammed out of hundreds of dollars. snapchat has no customer service number, i had to create a twitter and tweet at them to get it resolved. 

im almost certain this is an ex girlfriend of mine
Consumer complaint received 2021-09-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BMO Bank, N.A. (IL)

Home Equity line of credit loan was taken out by myself over 14 years plus ago as of XX/XX/2019 BMO Harris decided to do a cancellation of debit and now the IRS was me to pay taxes. Never received a 1099-C form as I havent banked with BMO Harris in over 10 years. I have since had my home foreclosed on! Have no way of obtaining 1099-C and dont think its fair that after 14 + years BMO Harris is now able to say that the are doing a Cancellation of Debit on this loan
Consumer complaint received 2021-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (FL)

In XX/XX/XXXX, I was a victim of the XXXX  data breach and since then thieves have used my information to open various credit cards and auto loans. The account that I am referring to in this complaint is with Wells Fargo ; in XX/XX/XXXX a credit card was opened and continued to be used until the thief accumulated a debt of {$4700.00}. I have contacted the creditor and all three credit bureaus several times before the debt got this high in an effort for this account to be shut down and taken off of my credit report. And to no avail neither entity has taken any action but have consistently tried to make me pay for such debt that the thief accumulated over the years without making any payments. I refuse to pay for such debts that do not belong to me. I previously demanded from both the creditor and all 3 credit bureaus for a copy of the application submitted for this credit card in order to verify the identity of the individual that applied for it. All entities have denied my requests over several years in an effort to verify and close this account. This has negatively impacted my credit report for several years now. I have been unable to even obtain a loan to pursue secondary schooling. Please delete this account and all of its history from your systems and my credit report immediately. Attached I also included a certified mail receipt from previous letters sent to the creditor.