davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I was given a private institutional loan from XXXX XXXX  called a XXXX XXXX loan in the XXXX  of XXXX XX/XX/XXXX. The amount was {$10000.00}. I filed for bankruptcy and it was discharged on XX/XX/XXXX. This debt was included in the discharge. It is not a federally backed student loan. They continue to report this debt to the credit bureaus. I am attempting to buy a house and use a down payment assistance program. The account continues to show in collections and they will not remove it. I have contacted XXXX and the collection agency they sold the debt to, XXXX. This is the response that I get from XXXX The consensus that Ive found concerning your loan is that it is not dischargeable. It is covered under 11 US Code, section 523 ( a ) ( 8 ) ( B ). So, I will not be able to write a letter to your bank about any change in the loans status. If you have any questions, please let me know.
Consumer complaint received 2022-11-06
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. (CT)

I have an account on my credit report that does not belong to me. My information was obtained under false pretenses.That is fraud. There is also a name and address that needs to be removed and there are unauthorized inquiries as well. I reached out to the company and I've been waiting for a response. Also there was an alert on my credit report that said on XX/XX/XXXX I opened up an account with XXXXXXXX XXXX XXXX, I opened no such account, this is fraud. I contacted the bank and they said someone in Michigan opened up a business account with my social. I made a complaint online and will be going to the bank tomorrow to make a formal complaint. These fraudulent accounts and inquiries have affected my credit report in a negative way and my credit score has been affected in a negative way as well. These accounts do not belong to me and the information they have provided has not been properly verified. This is fraud as well. If they respond saying that these accounts were verified. I would like to know how they verified these accounts. How my information was obtained. I would also like to know the name of the person who verified the information along with the the company who furnished the information to the credit bureau and legal action will be taken at that point. This is my second complaint and attempt to rectify the situation and nothing has been done. I made a complaint and that complaint was sent to the creditor and they took my address off of the complaint and updated it in their file. They were allowed to steal my address and update their information because they never had it. I have no lien against me nor have I been to court or had a judgement placed against me for any reason, so this harassment and this falsely verified account is illegal.
Consumer complaint received 2020-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

DEPTEDXXXX {$0.00} Closed 2 late payments DEPTEDXXXX {$0.00} Closed 2 late payments DEPTEDXXXX {$0.00} Closed 2 late payments DEPTEDXXXX {$0.00} Closed 2 late payments DEPTEDXXXX {$0.00} Closed 2 late payments DEPTEDXXXX  {$0.00} Closed 2 late payments DEPTEDXXXX {$0.00} Closed 2 late payments DEPTEDXXXX {$0.00} Closed 3 late payments DEPTEDXXXX {$0.00} Closed 3 late payments DEPTEDXXXX {$0.00} Closed 3 late payments DEPTEDXXXX {$0.00} Closed 3 late payments DEPTEDXXXX {$0.00} Closed 3 late payments DEPTEDXXXX  {$0.00} Closed 3 late payments all not mine and filed ftc dress XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX address not mine XXXX XXXX Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXX/XX/2020 StatusCollection account. {$210.00} past due as of XX/XX/2020. 
Status UpdatedXX/XX/2020
Consumer complaint received 2022-11-14
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. (NY)

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 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 2023-03-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc. (CA)

collection agency McCarthy Burgess & Woolff XXXX XXXX XXXX XXXX XXXX XXXX they say I owe {$20000.00} Purchases and payments were made in Arizona please see attached documents
Consumer complaint received 2023-01-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (CA)

I contacted Coinbase via their web site and I was not allowed to call them as they do not allow phone conversations, so they chatted with me online through their system. I went through their verification process asn they told me that the information provided was not good enough, so they sent me a link to click on to givwe them more information, and it would not work when i clicked on the link. So i tried to get a hold of the again and they have blocked me from communicating with them moving forward.
Consumer complaint received 2020-10-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NV)

I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer dispute. Im beyond stressed and at my wits end. I have been sending letters before this and still they have not sent a response. Please help its having a huge damaging effect on my credit report and score.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (KY)

I had a XXXX  credit card that went to collections, it was sent to Jefferson capital services, then sent to XXXX XXXX XXXX for payment. I settled this account and gas been paid since XX/XX/2022. It is still showing on credit reports as being unpaid. I contacted XXXX XXXX XXXX  and they told me I needed to contact Jefferson capital services, then I contacted Jefferson capital services and they told me I had to contact XXXX XXXX XXXX since that is who collected the payments. I just want XXXX  removed from all 3 of my credit reports since it has been paid.
Consumer complaint received 2020-11-11
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)

Dear XXXX/TransUnion/ XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2020-11-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Claims Bureau, Inc. (NY)

Company sent a notice with only a Doctors name, no information about services or dates, and an amount of {$200.00} I requested an explanation and they sent me a ripped off payment coupon marked up with highlighter, red pen writing all over it, and different information! 
There is obviously confusion about this bill and they are nor providing a verification of debt!
Consumer complaint received 2020-11-11
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. (NC)

I've disputed with XXXX  to have 2 late payments removed from my account with XXXX  or any credit reporting agency filing a complaint thru CFPB on XXXX XXXX had agreed to remove the late payments due to me being affected by Covid-19, the investigation thru CFPB which was closed on XXXX with XXXX has stated that the items should be removed byt the credit bureaus have let the items remain
Consumer complaint received 2022-11-06
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. (AL)

I have asked the credit bureaus to do a thorough investigation of accounts on my credit report that have been reported inaccurately. I have not received any verification or the information that I ask for in which would allow them to provide and report the information they have listed. 

They sent correspondence back saying that those accounts have been verified. How were they accounts verified and the information is still being reported inaccurately. The accounts that have been continuously being reported inaccurately are listed below : XXXX XXXX XXXX  # XXXX - Reporting Incorrectly In accordance to the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 I read that it also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-11-11
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. (NC)

I've disputed with XXXX  to have 2 late payments removed from my account with XXXX  or any credit reporting agency filing a complaint thru CFPB on XXXX XXXX  had agreed to remove the late payments due to me being affected by Covid-19, the investigation thru CFPB which was closed on XXXX with XXXX has stated that the items should be removed byt the credit bureaus have let the items remain
Consumer complaint received 2022-11-14
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: CLGF Holdco 1, LLC (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2020-11-11
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I am trying to have Experian look into some credit reporting issues. It has been well over the time they said they needed to investigate, and I have still not heard from them. I have about 4 - 5 accounts that Experian has not been posting to my credit report, therefore I look like a ghost to companies trying to run my credit. I would like this issue resolved ASAP.
Consumer complaint received 2023-05-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (KY)

I went through a divorce in 2022 and part of the divorce agreement was that all debt would be paid off before divorce was final. On XX/XX/2022, My attorney and I worked to pay off all debts. That day I called Comenity Bank the holder for the My Place Rewards Credit card for Children Place and requested a pay off amount. I explained I needed the full balance due and it needed to include any interest that was owed so that my attorney could submit the payment per the divorce agreement. I was given the amount of {$460.00}, which was the amount that was paid. A month later I received a bill for interest. I called and told them the card was closed and that the bill had been paid in full in XX/XX/2022. Every month since XX/XX/2022, I have received a bill with accruing interest and late fees. I have called them several times to dispute the charges. They refuse to remove the charges and say they will turn me over to collections to get the money they say is owed. I gave them the name and phone number of my divorce attorney ( XXXX XXXX - XXXX XXXX XXXX ) per their request so they could verify the information I gave them. They have not contacted my attorney about this. Nothing has been settled as of today and they have now reported to the credit bureaus that I have failed to make on time payments and that I am 150 days behind.
Consumer complaint received 2023-07-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC. (NY)

This is in reference to my complaint ID XXXX. I have sent several secure messages through Ally Bank to try and a Letter of Indemnity ( LOI ) for my initial complaint with Ally Bank. I wanted Ally Bank to send XXXX LOI to the mailing address on file and another to a fax number that was provided to me by XXXX XXXX ( XXXX XXXX XXXX XXXX ). In my previous complaint, they claim to have sent an LOI on XXXX occasions. I reached out to Ally Bank asking how it was sent over and I did not receive any receipts. On XXXX occasion I was told it would be 7-10 business days from the date my case was made on XX/XX/2023. In this message, I was told that your issue has been escalated to the highest level in our Executive Customer Relations. Today XX/XX/XXXX I messaged Ally Bank to get a response What Ive done to better assist you is to request to have your request escalated. Please allow XXXX business days to process the request. I do not understand how something can be escalated past the highest point of escalation. They did mention in the same message, I do not see that the letter has been sent out at this time. It appears there were no issues sending out the LOI previously. There seem to be no receipts on previous attempts to send out this letter. I asked Ally Bank if it was possible to send via secure messaging and this was not possible. If Ally Bank could even email me the letter or even submit it as an answer to this claim that would be appreciated.
Consumer complaint received 2023-07-14
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. (OH)

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 2020-11-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

XXXX XXXX went to my Bank of America in XXXX XXXX AZ ..I put {$1000.00} cash to go to principal pymt on mortgage. It was not applied. Saw XXXX XXXX to resolve issue.. did not get resolved called 800 # customer service. Assured me it would be corrected. Not! XXXX called again case # XXXX. Still not resolved. Went to bank in XXXX because our bank was closed indefinitely because of Covd19 at Bank of America therefor 3 hours with XXXX XXXX case # XXXX still not resolved. 10-23 received email & packet in the mail of foreclosure because of lack of payment. I have auto pay and payments have been taken out every month. I pay bi/weekly. So payments are taken out twice a month the XXXX & XXXX. Called customer service again on hold again for 2 hours! Assured me it would b taken care of. Icon on my statement states Payments are late but they keep taken them out of my checking. 
Current mortgage balance status : XXXX XXXX XXXX My new due date is XXXX or XXXX. 2 due dates. I have 3 pages of notes receipts ect Please help!! XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-11
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (CA)

On XX/XX/20 I received in the mail a Visa debit card issued by U.S. Bank. This is a U.S. Bank ReliaCard that ( according to the information provided with the card ) will be used by the Colorado Department of Labor and Employment ( CDLE ) to receive unemployment benefits. I never applied for unemployment benefits in Colorado, nor did I apply for this U.S. Bank ReliaCard. After receiving the card and doing some research, I tried contacting U.S. Bank using the phone number provided XXXX XXXX ) to discuss the matter and request that they cancel the card. I did this several times, but unfortunately, it is impossible to speak with anybody. The system provides automated access only and requires you to enter personal information ( including social security number ) to access the account information. I was reluctant to do this. 

This appears to be a common issue. The CDLE 's website includes a link to a U.S. form that consumers can complete and submit to U.S. Bank to notify them of the issue and request they cancel the account. I did that immediately, but have received no reply. 

With that, my complaint is two fold. First, U.S. Bank did not perform appropriate due diligence when opening this account. There is no indication on my credit report that U.S. Bank checked my credit or did any other validation. I don't live in Colorado. That should have been an obvious flag. Second, U.S. Bank has not been responsive to my problem, and doesn't provide consumers with a reasonable option to report the problem and get resolution in a timely manner. This is especially concerning and frustrating since they are obviously aware that these accounts are often opened fraudulently.
Consumer complaint received 2022-11-14
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. (GA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2020-11-11
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (AZ)

I was scammed when trying to buy a dog. Using the XXXX method through chase bank {$850.00} totally was incorrectly sent. I am trying to figure out how to get this fixed but I have a contract from the seller and no product for the service that was bought. Please provide assistance.
Consumer complaint received 2020-11-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IN)

Chase Bank has my checking account listed as having an available balance of {$0.00} even though several XXXX dollars are present in the account. They've indicated that a software glitch is causing this problem - it's been greater than 24 hours since my first complaint about this issue and funds are still unavailable for usage or withdrawal. I've been receiving overdraft notices for withdraws that have available funds to cover the transactions. 

I would like the CFPB to assist in this matter as it's quite frightening to have thousands of dollars disappear with no status updates and what seems to be a lack of concern from the bank.
Consumer complaint received 2019-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GOLDEN 1 CREDIT UNION, THE (CA)

We closed our purchase with this company in XXXX, and since then, we have received a myriad of spam/nuisance emails from this company. I have used the 'unsubscribe ' feature 5 or more times, and each time the system says that I've been removed from their marketing database. However I continue to receive nuisance emails. I also opted out of marketing emails during my loan signing, however this company persists in sending their marketing messages.