davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-10
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account.
Consumer complaint received 2021-01-10
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: Experian Information Solutions Inc. (CA)

I was wrongfully " Denied '' a new credit card because of some " negative '' entry on my " Experian '' credit report about 10 calendar days ago. 
This past Friday, I contacted " Experian '' to ask them to mail me my " FREE '' copy of my " Experian '' credit report for the above noted reason and " Experian '' told me " No. ''
Consumer complaint received 2021-01-10
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. (OH)

I have a credit card with XXXX XXXX XXXX XXXX. I was living in the XXXX in XXXX and XXXX for XXXX XXXX so I alerted them of a temporary address change however I never received my bill at my new current address. Fast forward to today, I have 2-30 day late payments on my credit report from XXXX and XXXX. I reached out to them via a goodwill letter last year and also alerted them that I requested a temporary address change for XXXX and XXXX. Both claims were denied and they will not remove these 2-30 day late payments from XXXX and XXXX even though I never received the bill due to living in the XXXX for XXXX XXXX. I have since made more than 36 on time payments ( 3 years ). I am very upset and disappointed as it is not my fault that even though I requested my temporary address change, they didnt change it nor did they send my bill to the correct address. This is unacceptable.
Consumer complaint received 2023-02-09
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. (CA)

there are two accounts listed on my credit report that DO NOT BELONG TO ME. I was a victim of identity theft during this time frame. I have filed a police report previously and filed a dispute with TransUnion Credit Monitoring Services regarding this matter. The accounts are under the name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under same account name. I investigated further and I need this debt removed from my credit report. Also XXXX XXXX XXXX is reporting ( 2 ) accounts under CLOSED in my 3 credit reports. Claiming two seperate accounts one in the amount of {$1100.00} owed and the other with {$710.00} owed. Both of these accounts were opened online when someone stold my wallet and stold my identity. Te had access to my ID my social security card and my mailing address informtion. All 4 of these acconts are being reported fradulently on TRANSUNION XXXX AND XXXX. Please remove credit debt from my report.
Consumer complaint received 2021-01-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NV)

PHH is purposely throwing away my bank statements that were included with my submission for assistance. I submitted my " fully complete '' application for assistance on XX/XX/2020 via my attorney 's office. The submission contained my past three months bank statements that showed proof of my income as well as proof of rental income I receive. There were check marks to the side of these deposits on said bank statements and also a letter of explanation for each deposit showing it was for rent and income etc. PHH in the past while I was applying falsely stated I had not submitted the past 90 days bank statements. They did this on purpose in order to evade review which according to my attorney is a violation of Respa Regulation X. They continue to fraudulently state my application is incomplete most recently as last week. I am told by my attorney this is a stalling tactic some fraudulent servicers use in order to evade review.
Consumer complaint received 2021-01-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Knight Adjustment Bureau (OR)

In XX/XX/2020 I disputed this collection on XXXX XXXX XXXX On my XXXX report Knight Adjustment responded saying this was accurate despite the fact that I let them know it was identity fraud. The other two agencies removed it from my credit.
Consumer complaint received 2021-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (OH)

I have a credit card with Navy Federal Credit Union. I was living in the XXXX in XXXX and XXXX for Medical School so I alerted them of a temporary address change however I never received my bill at my new current address. Fast forward to today, I have 2-30 day late payments on my credit report from XXXX and XXXX. I reached out to them via a goodwill letter last year and also alerted them that I requested a temporary address change for XXXX and XXXX. Both claims were denied and they will not remove these 2-30 day late payments from XXXX and XXXX even though I never received the bill due to living in the XXXX for medical school. I have since made more than 36 on time payments ( 3 years ). I am very upset and disappointed as it is not my fault that even though I requested my temporary address change, they didnt change it nor did they send my bill to the correct address. This is unacceptable.
Consumer complaint received 2021-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

There 8 total accounts regarding student loans from 2011. Four are closed with no balance but legally should be removed as they are over 7 1/2 years old. The next 4 are duplicates but showing as active. These also legally should be completely removed as they are over 7 1/2 years old but show as current. They are all Department of Education accounts. The following are open dates and amounts : XX/XX/11 {$4500.00} ; XX/XX/11 {$4700.00} ; XX/XX/11 {$7100.00} and XX/XX/11 {$890.00}. 

I have repeatedly asked all 3 credit bureaus to remove these from my credit report, with varying results. The above statement reflects my XXXX credit report.
Consumer complaint received 2023-03-05
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. (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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

The bank siezed money from my account by using their internal XXXX feature. I did not request, send or give any information to anyone to make the transfers. I work as a military security supervisor and do not click links or open emails from people I do not know. This is most likely an inside job from an employee script or high level network programmer within the company. I contacted the bank through the mechanism they require and it doesnt connect me with someone. The phone lines they provide dont work and the Ai just sends me in loops which dont connect me to anyone. Have you had other people complain about this because there must be others. This feels like a larger scale operation and its putting people at high risk. What should I do?
Consumer complaint received 2024-05-18
Product: Credit card — General-purpose credit card or charge card
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. (TX)

I ensure that I always pay on time, and I'm certain of this fact. What I don't understand is why this company is reporting late payments for certain months. Per USC 1666b, billing errors need to be corrected, or they owe me {$1000.00} for each inaccurately reported account.
Consumer complaint received 2024-06-13
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. (NM)

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. 

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 2024-05-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (AR)

I am a recent graduate from a medical residency program, and I am contacting you to illuminate the continued struggles I have had with MOHELA, the current processor of my student loans. I have been trying to get a refund for payments that were taken out in error during XX/XX/XXXX and XX/XX/XXXX, totaling nearly {$9000.00}. Despite over a dozen calls to them, over 20 hrs spent on the phone, multiple tickets being placed ( and later cancelled without any communication as to when or why ), I have been unsuccessful. I feel I have exhausted my avenues with them, and now am seeking additional support to help hold this company accountable for their poor business practices and complete lack of transparency or customer service. There is no one at the company whom to file a complaint. There is no communication as to the status of any tickets that are submitted. There is no way to initiate communication with any supervisor of any kind. You must call their general contact number, go through a long list of keypad prompts, then speak with some lower-level person who isnt able to provide much assistance at all. After they place you on 10-15 brief 2 minutes holds, they then direct you to a manager call XXXX XXXX where you leave your number and a supervisor calls you back, or doesnt, which has happened to me twice. One called me back at XXXX while I was sleeping. If you miss the call, there is no way to call the manager back directly, you just have to start the process over. There is no direct line to a supervisor or email contact for a supervisor. After months of trying to get a resolution in place, I was finally able to speak with a supervisor in XXXX, while at work and taking care of patients. They assured me this issue would be resolved, and I would be issued a refund, but that it would take 90 days for the refund to be processed. I asked if there was a ticket number that I would have visibility of or if I would be contacted with status updates on my online portal and was told there wasnt, and I would have to call back to get an update. 
Fast forward to today, XX/XX/XXXX, I still have not seen a refund. I called and went through the same drawn-out process of getting to speak with someone, only to have them tell me that the ticket had been cancelled and I wasnt eligible for a refund. No notice, no explanation. After raising a fuss, I was then directed to a manager call back number. Got another call back, again while taking care of patients. After 2 hours on the phone, was told another series of tickets would be submitted, and it would be at least another 90 days before a refund would be processed. This is completely unacceptable, and I know I am not alone in my struggle with this company.
Consumer complaint received 2021-01-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital One Bank/ Credit Cards The bank closed my account without notice, never sent funding back. Had to file bankruptcy chapter XXXX to resolve issue the issue is now reoccurring and my name has been sent to authorities without my knowledge and have been incarcerated and dismissed because of the situation. I have contacted the better buisness bureau and filed a complaint. There seems to be an issue with social security number, collections and debt to ratio as well as re-establishing credit.
Consumer complaint received 2021-01-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (CA)

I locked my Coinbase account as a security measure to protect it as I could not login and could not reach customer service. 
I have submitted 3 total request to Coinbase over the course of the last 2.5 weeks starting around XX/XX/XXXX. I also tried emailing an address I found online ( XXXX ) on XX/XX/XXXX but that address only sends a bounce back message. 

This is a custodial wallet service through Coinbase with XXXX so they have verified my driver 's license and my address is tied to a bank account as well. 

I use Coinbase app on my phone and logged out at one point to reduce me checking virtual currency prices and possibly swapping/purchasing more. 
Since I am used to logging in with my fingerprint ( biometrics ) before on the my phone app, I could not remember my password. 

Unfortunately, I had setup a new more secure email just for Coinbase ( on XXXX vs XXXX previously ) that I do not regularly use, I could not remember my password for the email tied to my account to reset my password. 

In this situation where I could not access my account nor reset my password using the email tied to it, I felt it best to lock my account to secure it. Prior to doing this, I tried to see if I could call Coinbase customer service and realized that they had no LIVE customer service and only available through submitting requests. 

Searching online - it appears that Coinbase can take weeks and often months to respond ; simply google coinbase and XXXX or any combination you prefer or search CFPB website. 

This seems HIGHLY inappropriate for a financial firm not to have live customer service or one that responds within hours. I am used to XXXX XXXX or XXXX or a bank and being able to reach them on the phone in a matter of minutes. I would not except to wait for months to try to access a financial firm. 

If I knew that there is no customer service from a firm handling $ Billions in volume from the get go- I would never have used Coinbase. 

I appreciate help CFPB can provide dearly and thank you for all that you do. 

Have a nice week!
Consumer complaint received 2017-10-15
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. (FL)

XXXX XXXX account is showing open on my credit report, this account was previously closed on my credit report, I disputed this item with all XXXX credit bureaus and it still shows open, it keep being sold to different collection agencies and showing up on my credit reports, XXXX I disputed this matter, this account shows actively open and being reported on my report each month, last report shows XXXX XXXX, this account need to be closed and not reported to the credit bureau each month. 

XXXX XXXX XXXX This account is showing closed on some credit bureaus and open on some, I have previously disputed this and the account was closed and the reported was stopped and then it was reopened, this account is actively reporting to the credit bureau and last report was on XXXX XXXX, XXXX, this account need to be closed and stop actively reporting to the credit bureau.
Consumer complaint received 2023-03-16
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. (GA)

I am writing this letter to request the removal of an inquiry that was made on my credit report without my prior knowledge or consent. The inquiry is affecting my credit score and my ability to obtain credit. 

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 2021-01-11
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Synerprise Consulting Services, Inc. (TX)

This company information was given to by XXXX XXXX XXXX XXXX XXXX after I tried to resolve a debt. I was told by an XXXX XXXX XXXX XXXX XXXX associate that the company was " just like '' them and I could contact them to pay on the debt. I believed XXXX XXXX XXXX XXXX XXXX associate and I just wanted to settle the debt and move on from this. The experience with this company has been a nightmare to keep it mild, they initially called asking me to pay half the debt and I explain due to the pandemic my hours were reduce and I could not pay at that time. I was told I could pay online, in the month of XXXX I made a payment and again in XX/XX/2020. This company continues to call no manner what, I asked them to review my account which should show I am trying to pay on my debt I was told to place a credit card or checking account on file to stop the calls. I didn't feel that safe doing so because I know nothing about this company and I express that is poor customer service to contact me even when they have seen I paid a payment online. After researching this company they are NOT the same as XXXX XXXX XXXX XXXX XXXX associate and I have sent a certified letter requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this company. I have also sent a letter addressing the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX associate requesting they promptly rescind account information furnished to this company, Synerprise Consulting Service.
Consumer complaint received 2023-03-05
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. (LA)

My name is 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.
Consumer complaint received 2021-01-11
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: World Acceptance Corporation (GA)

I filed a dispute with XX/XX/XXXX and XX/XX/XXXX in regards to the incorrect items on my credit reports. It has been well over 30 days, and I have not received any investigation results.
Consumer complaint received 2022-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When i called the credit bureau ask can i have a copy of my credit File ( not my report ). I was told it would be sent to me and i never receive it. This was over XXXX days ago. I would like to know why i havent received it. If this suppose to be my credit FILE why I cant have a copy of my FILE. This goes against my consumer right.
Consumer complaint received 2021-01-11
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: Avant Credit Corporation (GA)

I filed a dispute withXX/XX/XXXXXX/XX/XXXXand XX/XX/XXXXin regards to the incorrect items on my credit reports. It has been well over 30 days, and I have not received any investigation results.
Consumer complaint received 2021-01-11
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: Upstart Holdings, Inc. (GA)

I filed a dispute with XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX in regards to the incorrect items on my credit reports. It has been well over 30 days, and I have not received any investigation results.