davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-26
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. (NY)

I MISSED A DOCUMENT ON THE LAST COMPLAINTS. DO NOT CLOSE I HAVE NOT MADE A COMPLAINT LIKE THS My name is XXXX XXXX. I am not a third party. I am making this complaint on my own behalf. I was a victim of identity theft and see all the fraudulent unauthorized accounts on my report. I already contact the creditors and got the accounts closed. I also see unauthorized addresses on my report. Again I am not a third party. FRAUDULENT ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Bread Financial Holdings, Inc. (OR)

I have tried to request my credit report numerous times over the last 2-3 years and was unsuccessful until very recently. For one reason or another I was blocked completely and couldnt access my own credit report. I am having the same issue with several email accounts, unemployment insurance, and a variety of other very important personal information including my tax returns and IRS account.
Consumer complaint received 2024-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MI)

I have emailed and called MOHELA since XX/XX/XXXX and still have not received updated, accurate information. Every representative gives different information that seems to be inaccurate. I have worked for XXXX employers over the last 8 years and all of my qualifying payments have not been applied. Every time I speak to someone, there is no resolution. MOHELA is vey disorganized and have not helped with the PSLF loan forgiveness program. They are delaying my loans being forgiven because they have failed to update my account. They have failed to change my repayment to a IDR payment and the Department of Education completed it as of XX/XX/XXXX. I am going to report them to the Department of Education next as MOHELA as a servicer is a joke. 
Whenever they do not have any updated information, they keep you on hold for hours and then somehow the phone becomes disconnected. This has occurred every single time I call them which is at least 3 times a month and still I have no answers to any of my questions.
Consumer complaint received 2022-12-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MA)

On XX/XX/2022 over {$7000.00} in XXXX XXXX funds were stolen from my Coinbase account. I believed I was talking to a tech support person and instead I was scammed out of the funds above. I have contacted Coinbase and provided them with all the relevant information and they have stated that they are unable to retrieve the stolen funds.
Consumer complaint received 2023-03-02
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. (NC)

Please remove all fraudulent account and incorrect addresses as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2023-12-27
Product: Credit reporting 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. (FL)

After reviewing my credit report I realized there were unauthorized hard inquiries on my account. I sent a certified mail with a letter to delete the hard inquiries, the letter was sent with two forms of IDs and an identity theft report. The accounts involved are as follows ; XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2020-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (GA)

On XX/XX/XXXX, I got gas a XXXX in XXXX, Ga. I purchased my gas at the pump. I either dropped my card or left it at the pump because I was on the phone with my manager at the time. On XX/XX/XXXX I was at home and woke up around XXXX and was going to check my direct deposit and noticed that {$850.00} in fraudulent charges were deducted from account. I immediately locked my car via the XXXX XXXX and chatted online with a representative and she instructed me to contact the local branch. I immediately called the branch around XXXX and spoke with XXXX XXXX who instructed me that she would file the claim on Saturday once the charges had posted. The claim was pulled and the investigation started on XX/XX/XXXX. I called the bank on XX/XX/XXXX and to my surprised the claim was denied because a pin was used. I have never given my pin out to anyone. So, I got details of the transactions and conducted my own investigation. Not to my surprise one merchant allowed me to see video footage and a purchase made at XXXX in a totally different city from where I live. Not to mention I did not wake up until XXXX. I immediately filed 2 reports because charges were made in different states. I am filing this complaint because the bank refuses to reimburse my money that I have worked hard for especially during COVID. Now that the bank refused my claim, I now can't provide my family with a Holiday meal because the bank refused to give me my money back. What is the purpose of banking if there are no protections for account holders after the fact. Hence why there is FDIC coverage. Regions Bank has not protected me as an account holder.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2022-12-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Metro Collection Service Inc. (AZ)

So basically I checked my XXXX XXXX to get financed for a car and I found someone used my SSN that was not me and caused {$5300.00} in debt this was not me I live in XXXX XXXX and I called the collection agency and they said this was a problem and I had to make a police report. Now Im here honestly just want to get my credit score back and take this debt off Im not responsible for this so I feel I should have to pay my identity was stolen.
Consumer complaint received 2023-03-02
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. (TN)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, We are writing to dispute the following accounts that have been reported on our credit report. We believe that these accounts violate the following laws : XXXX. Fair Credit Reporting Act ( FCRA ) XXXX. Fair Debt Collection Practices Act ( FDCPA ) XXXX. Fair and Accurate Credit Transactions Act ( FACTACT ) XXXX. Truth in Lending Act ( TILA ) XXXX. Real Estate Settlement Procedures Act ( RESPA ) XXXX. Equal Credit Opportunity Act ( ECOA ) XXXX. Fair Credit Billing Act ( FCBA ) The following accounts have been reported on our credit report, and we believe that they are in violation of the above-mentioned laws : XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX  XXXX XXXX Charge Off Account XXXX XXXX Charge Off account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account We request that you investigate these accounts and provide us with a written explanation of the results of the investigation. We also request that you remove any inaccurate, incomplete, or unverifiable information from our credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-14
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. (MD)

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 2022-12-26
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (OH)

My XXXX Victoria Secret card had a XXXX balance I went to use my card in XX/XX/XXXX i was given a number to call because my card needed replaced as it was cracked. 
I called comenity bank req a new card XXXX  card by victoria secret XX/XX/XXXX was told by a XXXX  it can take up to 12 weeks XX/XX/XXXX called again to see the status of my card issue they apologized and said allow just a few more weeks XXXX I spoke to a XXXX  and was told they could not find my account. 

So today XX/XX/XXXX I call again spoke to a total of 9 people and was told was closed due to inactivity without any notification. 
I told them i have been requesting a card for months and still waiting. 

I logged into my email and got this notification from a credit reporting company which said ____________________________________________________________ Remark code added to COMENITYBANK/VICTORI account Between XX/XX/XXXX, and XX/XX/XXXX, the following remark was added to this account : Account closed by credit grantor. 

Remarks are meant to make your report clearer. If you're not sure what this remark means or where it came from, you can contact your creditor or the credit bureau for more information. 
_______________________________________________________________ So i keep getting various closed dates. It was never late and always for 4 years in good standings and this will now reflect a lower credit score for me which is unfair. 
Above says it was closed between XX/XX/XXXX and XX/XX/XXXX Reps have told me it was closed from XX/XX/XXXX which i know was wrong to XX/XX/XXXX Was told again closed XX/XX/XXXX was advised letter not sent. Because they were doing a big system upgrade and they are sorry, no way to reopen it. 

Called spoke to XXXX and was transferred to a supervisor XXXX, she transferred me to a higher up supervisor XXXX, and she came back on line and asked if I was XXXX?? more than once I have had the worst experience with this company who just closed my account that I was in good standings with for 4 years without any notification XXXX - yet another supervisor only had static on her line when i spoke to the point the call was a big waste of time.

Granted I do not use my cards all the time but when i tried i was told it was cracked and to get a new card that never came and then they closed it. 
I want my account reopened, its not fair to me as a good consumer that pays bills on time. 

I should have had an email, letter in mail text, call something to say hey your account may get cancelled, but even when I asked for new cards 3x was i told it was cancelled
Consumer complaint received 2020-12-24
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. (IN)

The company is reporting something that is older than seven years from the date that the debt was incurred. I have tried to resolve this directly with XXXX, XXXX, and Trans Union and an unresolved complaint with the XXXX XXXX XXXX.
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

On the month of XXXX of XXXX, I received an alert on my phone that my card was being utilized at a Best Buy. I immediately called the bank and stated that it was an unauthorized transaction. They informed me they will dispute the charge and later stated there were multiple charges in my account that I had no knowledge of. They cancelled the card and allegedly issued a new card which I never received. There were more purchases made with that card to which I disputed again and requested to immediately cancel the account. They instructed me that the mailing address they had wasnt the one I was providing the with. I asked which address is the one they had they refused to provide me with an address. They advised me that they will update the address again in the system and issued a new card. I called today XX/XX/XXXX to inquire on the status of the dispute to only be told that there were more purchases made with a card. I advised them that is impossible cause I havent received any cards in the mail yet. Once again they said they had a different address that where I reside. I requested for the 3rd time to cancel the account and dispute all these charges since XX/XX/XXXX. They have not been able to close this account and still accruing charges. I need to dispute all these charges and close the account immediately. All these transactions are not authorized by me and they failed to close the account to prevent any further transactions. I need to have a resolution on this matter closed any contact with this terrible company and have those charges reversed.
Consumer complaint received 2023-03-02
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. (SC)

I applied for a mortgage and had my credit report used with a specific company on Saturday, XX/XX/XXXX, XXXX on Monday morning I started receiving repeated phonecalls from callers with mortgage brokers whom I did not engage. I have since been told that the problem is with Equifax. I have received XXXX phone calls and about XXXX text messages from various brokers at different numbers since Monday. They start calling at about XXXX in the morning and call until XXXX at night. I have no way of stopping the contact other than blocking each individual number. But there are too many numbers to keep track of and it is causing me problems.
Consumer complaint received 2018-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (NY)

The complaint is about an interest that TD Bank is charging. On XX/XX/2017, I made a transaction at XXXX store, the amount was {$310.00}. The day I made the transaction, I called the bank and I told them to not let XXXX take the money on my account because the phone I purchased I did not take. So, I called TD Bank many times, they told to wait until XXXX take the money and they are going to start the dispute. When XXXX took the money in my account, I called again to let them that XXXX already took it from my account. As a result, the bank provided me the case number. The bank asked me to send them the receipt of the transaction, I sent it by fax. A few week later, they told that they closed my case. So, I had to solve the issue with XXXX. Since that day, TD bank sent a bill of the interest that I have to pay them, if I do not pay, they are going to give my name and information to a creditor. TD bank did not solve my problem. Last month, I paid the {$310.00} to the bank. Now that XXXX refunded my money, the bank is still send the bill of the interest.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I sent a dispute to the major credit bureaus disputing the inaccurate information on my credit report regarding BANK OF AMERICA, account number XXXX. 

Despite the clarity and detail provided in the Credit Bureau Dispute, the Account continued to appear on my consumer report with inaccurate information. 

Upon information and belief, the credit bureaus forwarded my Dispute to BANK OF AMERICA. 

Upon information and belief, BANK OF AMERICA received notification of my credit bureau dispute. BANK OF AMERICA did not conduct an investigation, contact myself, contact third parties, or review underlying Account Information with respect to the disputed information and the accuracy of the BANK OF AMERICA Account. 

Upon information and belief, BANK OF AMERICA failed to instruct the credit bureaus to remove the false information regarding the BANK OF AMERICA Account reporting on my consumer report. 

The credit bureaus did not conduct an investigation, contact myself, contact third parties, or review underlying account information with respect to the disputed information and the accuracy of the BANK OF AMERICA Account. 

The credit bureaus employed an investigation process that was not reasonable and did not remove the false information regarding the Account identified in my Dispute. 

At no point after receiving the Credit Bureau Disputes did BANK OF AMERICA and/or the credit bureaus communicate with me to determine the veracity and extent of my disputes. 

The credit bureaus relied on its own judgment and the information provided to them by BANK OF AMERICA rather than grant credence to the information provided by myself. 

The credit bureaus published the false information regarding the BANK OF AMERICA Accounts to third parties.
Consumer complaint received 2023-03-02
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. (GA)

Experian is refusing to investigate my dispute claim and using stall tactics which is not fair or equitable to me. I submitted in writing a dispute, included in the dispute i submitted my identification and the accounts that needed to be reinvestigated due to being inaccurate. This is nothing more than a stall tactic and an attempt to further destroy my financial reputation. Not only is this an attempt to break the law and take more than 30 days but this is a flat out dishonest attempt to no investigate at all. 
I am in receipt of a letter from your agency stating that they need additional information on my address before they can correct the inaccurate information on my report. I have already sent you verifying information in my last letter, which lists my address ( same as above ) from my Drivers License as well as a copy of my Social Security Card. Once again, I will send you the following documents : Drivers License, Social Security Card, Military Government Issued ID, and even a copy of the letter you recently sent to me. Please correct or list the address on your records with the one which appears on my Drivers License and above. 

I have enclosed a copy of my original request for your review. In my opinion, this is nothing short of a stale tactic on your part to circumvent the due processing of the law in accordance with 15 U.S.C. Sec. 1681i ( a ).
Consumer complaint received 2023-03-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAND HOME FINANCIAL SERVICES (IL)

To Whom It May Concern : Our home was purchased in XX/XX/XXXX, and we had the income at the time to support the mortgage. 
In XX/XX/XXXX, at the start of the pandemic, wife 's job was on furlough due to government shutdown. She was out of work for a period and requested a loan modification from our mortgage company, Land Home so that our credit score would not be affected. We were unsuccessful in speaking with associates from the mortgage company to begin the loan modification process and discuss the negatives on our credit report during the pandemic. We reached out to legal advocates to assist us in our loan modification request and credit score appeal since we were unable to establish this with our mortgage company. As the process was being worked by the legal advocates team, we were told not to pay the mortgage during this process. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
We are not avoiding our responsibilities and are quite embarrassed that we are in this current financial struggle. She has completed all treatments and surgeries as of XX/XX/XXXX, and we are eager to begin paying on our mortgage as we were doing prior to the pandemic and health issues. My husband and I have returned to working full time and are able to make our monthly mortgage obligations as set forth in our loan documents and per FHA requirements. We are writing to explain what caused our financial hardship and when it began so we can move forward. We love our home and want to retain it. We know that we all want to avoid the foreclosure process and have attached our most recent check stubs and bank statements to verify funds. We look forward to reaching a fair resolution to all issues discussed in this letter with you and our legal team as soon as possible. 
We appreciate your assistance and understanding of this matter, we are aware time is of the essence and we are available on demand. If you have any questions, or require any additional documents, please contact us directly or our legal team. 

Thank you,