davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

my wallet was lost with all of my personal information in it and never found and now I have accounts on my credit report I never applied for, also some inquires, I need them to be remove immediately XXXX XXXX XXXX XXXX ( closed account ) XXXX  XXXX ( inquire ) XXXX  XXXX XXXX XXXX ( inquire ) XXXX  ( Hotel and travel ) - XXXX ( inquire )
Consumer complaint received 2022-11-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (MO)

I paid amerihome on the XXXX of XXXX, it didn't reflect until the XXXX, there were back and fourth of them reversing my payment and me sending it back to them, although they finally received my payment, They double pulled from my account on the XXXX of XXXX but had no record of pulling from my account on the XXXX even though I showed them the activity and explained that they left me in the negative, ( issue is under dispute with the credit bureau and my bank, my bank also admitted they pulled twice ) after this occurred the same issue repeated on the XXXX of XXXX and now I'm in the negative again. I paid them on the XXXX of XXXX, they were closed for the holiday, when they opened they processed my payment and sent me back the money, that time I explained the issue with a agent again and then processed the payment with the agent, even though I processed the XXXX payment with the agent. Although I have confirmations of each payment, they still double pulled from my account. The agent my sister ( who is the co signer ) spoke to didn't understand the situation. She tried to claim that the payment I didn't submit nor was it on auto pay, that it was for the month of XXXX, I did not give them permission to pull from my account for the month of XXXX.
Consumer complaint received 2022-10-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION (LA)

A fraudulent loan was charged to my account at Navy Federal Credit Union.They have been badgering me to pay the loan and have taken funds from my savings and checking accounts.

I received an email from NCCU saying the loan check was on the way. I called the number on the email and said I never authorized it. The representative said she canceled the check and it would not be delivered. 
The loan is still charged to my account.
Consumer complaint received 2022-03-23
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Healthcare Financial Services, LLC (PA)

I need you guys to not take the XXXX out of my account and that I better not have any charges from u guys bc I didn't realize that I used to use you for another company n I don't like ur service so please don't take no money off my card n what ever u took from me needs to be back on my card thank you
Consumer complaint received 2022-10-04
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. (NY)

We've talked to the furnisher & they've agreed to remove the account, but TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the IdentityTheft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the police report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... This Complaint is to notify you to BLOCK OR REMOVE these accounts from my credit file resulting from alleged identity theft XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$0.00}
Consumer complaint received 2023-12-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: United Shore Financial Services, LLC (CO)

XXXX XXXX/UWM took over my loan and I did not know this for XXXX years. Then They got cybercrime hacked and my personal data was compromised. I would like to switch loan servicers, because they have been hacked now XXXX times affecting me and XXXX other customers.
Consumer complaint received 2022-10-04
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. (TX)

This is XXXX XXXX, and I am submitting this CFPB complaint to request to the Credit reporting Agencies to remove the disputed accounts completely from my Credit File. I sent a letter requesting that the Credit Reporting Agencies reinvestigate the disputed accounts from my credit report as well as remove from my report during the investigation period. As of this date, the Credit Reporting Agencies have failed to respond to my request. Again, please reinvestigate if the following accounts that are inaccurate, incomplete and outdated : XXXX XXXX Balance Owed : {$0.00} This account was already deleted from the other Credit Bureaus and TransUnion Credit Bureau have no rights to continue reporting this account. According to FCRA, Credit Reporting must be accurate. I need TransUnion to remove this account immediately. 
XXXX XXXX XXXX XXXX : {$0.00} Please provide documentation that the following account belongs on my credit report and that my rights have not been abrogated. Otherwise please delete this damaging data immediately. The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law.
Consumer complaint received 2023-08-16
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. (NC)

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 USC1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : account name XXXX XXXX account name, XXXX XXXX, account name, XXXX XXXX ( original creditor XXXXXXXX XXXX.However they stated everything was complete and accurate. 
But how is that possible if the open date, date of last activity and much more is incorrect? 
According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly.

15 U.S.C 1681 section 602 A.states i have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section : no consumer reporting agency may make any consumer report containing of the following items of information any other adverse.
Consumer complaint received 2023-08-16
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: EQUIFAX, INC. (NC)

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 USC1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : account name XXXX XXXX, account name, XXXX XXXX, account name, XXXX XXXX ( original creditor XXXXXXXX XXXX.However they stated everything was complete and accurate. 
But how is that possible if the open date, date of last activity and much more is incorrect? 
According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly.

15 U.S.C 1681 section 602 A.states i have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section : no consumer reporting agency may make any consumer report containing of the following items of information any other adverse.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2022-10-04
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: Bread Financial Holdings, Inc. (NV)

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date XXXX, XXXX and XXXX has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please check payment history, date open, last activity and Status of XXXX XXXX COMENITY BANK/AVENUE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CB/AVENUE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe it was reporting in error.
Consumer complaint received 2023-12-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: REGIONS FINANCIAL CORPORATION (TN)

I walk into the bank ready to open for my XXXX got all them got all the way through the process and then the gentleman says up no I can't do it and hands me a piece of paper with the name XXXX XXXX and told me to contact them and that's the reason why I can't get open up an account he wouldn't tell me what it was
Consumer complaint received 2022-03-23
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)

In accordance with the Fair Credit Reporting Act USBK COURT XXXX Docket # : XXXX, has violated my rights.

15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

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.
Consumer complaint received 2023-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This is my XXXX nd time submitting a dispute to the company. Each time they keep sending me a letter saying they are not going to investigate. This is extremely inappropriate as I am trying to get my credit report to report accurately.
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: REGIONS FINANCIAL CORPORATION (VA)

My husband and I took a home improvement loan to update our back yard. The contractor referred us to the bank for finance of the project. We obtained the loan on XXXX XXXXWe were given a portal where all documents were stored until ready for submission. The Contractor advised on XX/XX/20 that he was going to seek a partial payment and if the bank calls say that the project was completed. I advised ok, but I was awaiting the call from the bank. The bank never called to check if the job was completed. I called the bank and asked about the partial payment they advised me that they had no idea about the specifics of the loan. I later received a bill from XXXX advising that we owe for the project. I called and the bank to advise that the job was never completed and I sent over documents that the advised he was only looking for partial payment the account was put in dispute the bank tried numerous of time for over 6 months to get the contractor to come and finish the job. Per, the bank contract it stated that if the job wasnt completed by XXXX the contract would be terminated or expired. The bank is refusing to rewrite the loan for what we owe or as it has been mentioned to terminate the loan. The bank is refusing to get our money back and practice in good faith. They are now reporting our account delinquent to the credit bureaus. They have documentation that the contractor admitted that he fraudulently withdrew the loan knowing that he had not completed the project. We have an open investigation with the XXXX for the contractor and now we are seeking resolution for XXXX. My husband is XXXX XXXX and this has whole situation has become a true nightmare. XXXX has been rude and uncooperative in mitigating this issue.
Consumer complaint received 2022-10-04
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am really infuriated now! As if all the efforts XXXX putting into this are nonsense, you are so negligent! What is happening over there at the CFPB and Transunion?! Are guys playing around? Well, let me say to you that I am not! I am so stressed that you are just ignoring my request to DELETE the fraudulent accounts from my Transunion report. I have done my responsibility to submit to you my personal information, my dispute letters, and the FTC report to prove to you AGAIN and AGAIN that I am a victim of identity theft. Additionally, I contacted the furnisher and they've agreed to remove the accounts BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) and they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law and will not explain their policy. Please DELETE this damaging information from my file right away for Transunion is not complying with the FCRA law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-06
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: BARCLAYS BANK DELAWARE (PA)

I noticed an inquiry on my file that I didnt authorize. I have been getting the run around. I was told it would be removed and it hasnt been.. I was told someone tried to open an Application and the creditor asked for proof of identity which was never received. The credit bureau said there have been nothing submitted by the creditor to have it removed. The creditor said they submitted information ti have it removed. I keep getting transferred and not one person is able to help.
Consumer complaint received 2022-10-04
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am really infuriated now! As if all the efforts Im putting into this are nonsense, you are so negligent! What is happening over there at the CFPB and Experian?! Are guys playing around? Well, let me say to you that I am not! I am so stressed that you are just ignoring my request to DELETE the fraudulent accounts from my Experian report. I have done my responsibility to submit to you my personal information, my dispute letters, and the FTC report to prove to you AGAIN and AGAIN that I am a victim of identity theft. So what else should I do? You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm really beyond bothered. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt but look how far weve gone! Please DELETE this damaging information from my file right away! 

XXXX XXXX A XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-01
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: Experian Information Solutions Inc. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts to clarify the erroneous reporting within my credit report. 

please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXXXXXX Balance : {$290.00}
Consumer complaint received 2016-06-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (LA)

An open collections account is listed on my Equifax credit report ( Listed as a number XXXX - XXXX XXXX XXXX XXXX ), but this account was paid in full ( {$140.00} ) to the original creditor, XXXX XXXX and XXXX - XXXX ( see attached bank statement section. )
Consumer complaint received 2023-02-04
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. (MO)

This CFPB complaint is a follow-up to the one I previously filed, which asked the CFPB to remove bogus accounts and information from my credit file. According to section 605b of the Fair Credit Reporting Act, I have read. I am shielded from inaccurate reporting by Federal law, and you are obligated by law to erase any accounts and information from my credit file. Please follow the law and remove the disputed accounts and data as soon as you can : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX , MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$50.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$750.00} XXXX XXXX XXXX XX/XX/2021. You haven't supplied me a copy of any documentation proving your assertions that I own the disputed accounts. Without these documentation, it is assumed that the challenged materials will be deleted right away.
Consumer complaint received 2022-10-04
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. (MO)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (AZ)

GEMINI TRUST COMPANY , LLC MAINTAINED CUSTODY OF HUNDREDS OF SELF-DIRECTED IRA ACCOUNTS FROM WHICH GEMINI ALLOWED A HACKER TO ILLEGALLY TRANSFER APPROXIMATELY {>= $1,000,000} IN CRYPTO TO A SINGLE, UNRELATED ACCOUNT. GEMINI THEN ALLOWED THE HACKER TO REMOVE ALL OF THIS CRYPTO FROM GEMINI 'S EXCHANGE AND TRANSFER IT TO A " TORNADO, '' WHERE THE STOLEN CRYPTO HAS NOW BECOME IMPOSSIBLE TO TRACK AND RECOVER. GEMINI PROMISED ITS ACCOUNT HOLDERS THAT IT WOULD IMPLEMENT TWO-FACTOR AUTHENTICATION FOR ANY WITHDRAWALS, AND YET GEMINI ALLOWED THE ILLEGAL TRANSFERS TO OCCUR W/OUT DOING SO, AND WITHOUT PROVIDING ANY NOTICE TO ACCT HOLDERS THAT THE TRANSFERS WERE OCCURRING. GEMINI ALSO AVOWED TO ITS CUSTOMERS THAT ALL CRYPTO STORED ON ITS EXCHANGED IS FULLY INSURED, AND YET GEMINI HAS FAILED TO COVER THE LOST CRYPTO.

THE THEFT OCCURRED, IN SIGNIFICANT PART, DUE TO GEMINI 'S USE OF AN IMPROPER API NOT SUITABLE FOR IRA ACCOUNTS THAT ALLOWED IMPROPER ACCESS TO THE CUSTODIED ASSETS. THE THEFT AMOUNTED TO AN IMPROPER MONEY-LAUNDERING SCHEME , IN VIOLATION OF FEDERAL AND NEW YORK STATE LAW. 

GREATER DETAILS REGARDING GEMINI 'S DEFICIENCIES ARE SET FORTH IN THE ATTACHED COMPLAINTS FILED WITH THE NY XXXX XXXX XXXX XXXX.