davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have sent 3 separate letters each to XXXX, XXXX and TransUnion on XX/XX/2020, XX/XX/2020 and today XX/XX/2020 about inaccurate and unverifiable collection accounts and student loans on my credit report. It has been over 6 months and I have not received a single response from anyone. I feel like my dispute letters are being ignored, that they do not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been way over 30 days these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Consumer complaint received 2020-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I have sent 3 separate letters each to XXXX, Experian and XXXX on XX/XX/2020, XX/XX/2020 and today XX/XX/2020 about inaccurate and unverifiable collection accounts and student loans on my credit report. It has been over 6 months and I have not received a single response from anyone. I feel like my dispute letters are being ignored, that they do not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been way over 30 days these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Consumer complaint received 2021-08-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NV)

Coinbase has prevented access to my daily transaction BTC reports by delegating administration privileges to XXXX. 
Coinbase continues to tell me, " we hope you have solved your problems. We have closed this case ''. Meanwhile nothing has been done and I am asked to submit another request using the same email thread when I inform them that I see no results. 
I have informed them that legal proceedings will commence under UCC guidelines through FTC Financial Crimes Unit.

I wish to further generate citations and submit to the FCC and FTC, please acknowledge such and forward to my email XXXX XXXX
Consumer complaint received 2021-08-27
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. (MO)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-12-31
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alliance Recovery Group (VA)

Alliance Recovery keeps calling me even after I asked them to mail me verification of whatever debt is owed. They keep referencing a payday loan that was paid off years and years ago, and the loan itself was done over 10 years ago. After speaking with them again today and asking once again to mail me verification, he told me they would be at my house at XXXX Wednesday morning and hung up on me. They've also called me from XXXX and just switched numbers. I also told them to mail me verification at that number. Also, they've called my wife in the past as well.
Consumer complaint received 2020-12-31
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

On XX/XX/XXXX we entered into a purchase agreement for a home. The home was a short sale with 3 lenders involved. 

The 3 lenders are XXXX ( the main lender ), XXXX XXXX ( junior lender ) and Santander ( junior lender ). 

We sold our house in good faith and moved into a hotel on XX/XX/XXXX because we were told the short sale for our purchased home would be closing soon. XXXX, which is the senior lender, has been cooperative, as well as, XXXX XXXX One, one of the junior lenders, throughout the entire process. Santander Bank, however, has been giving us a difficult time, missing deadlines, dragging the process out, resulting in the expiration of approvals given by the other two lenders. 

The law firm which started in XX/XX/XXXX the short sale process for the homeowners has already dropped the case as two of their workers experienced issues with Santander Bank from the beginning. 

Due to Santander Banks failure to act in good faith over the past nine months, we have been living in a hotel since XX/XX/XXXX. All of this occurring during the pandemic, with no resolution nor any end in sight from Santander Bank. Other than duplicative follow-ups, the only response we have received from Santander Bank is we're reviewing it. 
As noted, the failure of Santander Bank to provide timely responses, has caused original approvals to expire, requiring us to restart the entire process. We were told by Santander that a decision would of been reached on XX/XX/XXXX, then XX/XX/XXXX, and the dates have just been moving and changing ever since. Santander Bank is not following any banking and or government guidelines, which results in this process continuing with no end in sight. 

We are without a home during a pandemic. This is causing grave emotional stress and duress to me and my wife. It is interfering with our life and our wellbeing. The actions of Santander Bank make me feel targeted. They have failed to show any good faith and fair dealing during this entire process. Our negotiator has been calling everyday with no positive outcome. The other two lenders have resolved their part of the process in a matter of weeks, while Santander Bank has been stretching this out without any willingness to cooperate.
Consumer complaint received 2020-04-07
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)

I am needing to move out my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to an amount of things on my credit that are not mine. I need those items removed as soon as possible.
Consumer complaint received 2021-08-28
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. (AZ)

I have contacted XXXX at least 20 times about this issue.

1. XX/XX/XXXX XXXX reporting on a closed account that was current when closed that the payment history was 120 day late. As a result my credit score on TransUnion dropped 52 points that day. - ( XXXX XXXX attached showing conns report of missing balance on a closed account and points dropping ). 

2. After several emails and phone calls XXXX responded today and said they do not show in there system that I am delinquent and information on credit report is incorrect. - ( Email attached from XXXX agent. ) 3. XXXX is basicaly suggesting the TRansUnion is fraudulently changing my credit report, because according to them they are not reporting incorrect information ( TransUnion report of XXXX account attached. ) 4. This is financially harming me, reporting incorrect information on my credit report, whether it is XXXX or TransUnion. I Need this corrected and removed immediately. 

5. Please post this on the site, Im sure there are 100 's of thousands of people this is happening to, this is preventing me from getting a home for m family.
Consumer complaint received 2020-12-31
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. (TX)

An account recently showed up on my credit report for XXXX-XXXX  opened on XX/XX/20 with a current balance of {$1300.00}. I have not opened any new credit card accounts within the past year. I have disputed this with transunion and the dispute returned saying it was factual and accurate. I have tried to call the number listed on the account of XXXX and all it does is ask for a XXXX digit account number which I do not have because I did not open this account. There is no option to talk to an actual person. Looking at a website for XXXX  XXXX  only gives a contact option of that same phone number. At the same time this account appeared an address appeared for XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX This is not any address associated with me, I have never lived outside of XXXX XXXX Texas.
Consumer complaint received 2019-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (FL)

My original student loans were with a company named XXXX. Navient purchased these debts from XXXX. I do not know what my balances were at that time. I did receive a letter in the mail at that time stating that Navient was to be my new creditor. 

I have never taken out a loan with Navient. I have never had any dealings with Navient, though i do acknowledge that they hold my original debts that i had with XXXX. I believe my original loans were cumulatively around the amount of $ XXXX. 

Every month for as far as i can look back and see, Navient has reported that i have increased and decreased the amounts of my loans. They are doing this in such a way that they maintain that the balances on my loans are atleast {$2500.00} more than is accurate and honest. This is fraud and they are knowingly doing it. Navient reports that i increase my balance by over {$2500.00} every month, and then on the last day of the month they claim that i pay the loans down by {$2500.00} ish, and ON THAT SAME DAY, they claim i increase my loans again by the same amount. due to this method of fraudulent activity, if i were to call and ask for a payoff amount on my loans right now, they would tell me that my loans are actually $ XXXX more than is accurate. 

This effects me in a negative manner in a couple of ways. first, it keeps my debts looking higher than they should be on my credit report. This was the dead give away to me that something wasnt right. This is why i looked into the matter and found out exactly what they are doing. secondly, this effects the amount of interest they are tacking onto my loans while my loans are sitting in deferment. With the balances looking much higher than they actually are- Navient charges an interest rate monthly on that higher fraudulent amount ( rather than a lower honest amount ). Because of this, every month, i have higher than honest amounts of interest tacked onto the over all balance of my loans.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

I am writing to formally dispute the following debts and personal information inaccuracies on my credit report from. I request validation and verification of the debts and correction of the personal information errors, as required by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Debts in Question : - XXXX XXXX - XXXX XXXX XXXX- XXXX XXXX XXXX - XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inaccurate Personal Information : Name : 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 -Inaccurate Address : XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX FL XXXX, XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX, XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Inaccurate Phone XXXX : XXXX XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX Cellular Under the FCRA, consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy XXXX the information in a consumer report. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), if any information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify the information based on the results of the reinvestigation. 

Additionally, the FDCPA grants consumers the right to request validation of a debt and requires debt XXXX to cease collection activities until validation is provided. 

I request that all collection activities related to the disputed debts cease immediately until I receive the requested documentation and the debts are validated. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of these issues within the XXXX timeframe stipulated by the FCRA. 

Best,
Consumer complaint received 2021-07-30
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (IN)

While assigned a fiduciary when deemed incompetent there were account that seem to have been opened and paid for out of his best interest by the assigned fiduciary in the fiduciary 's best interest with the permission or consult of Mr. XXXX or the VA authority HUB itself. Attached you will notice a list of debts that are required at the beginning and end of a fiduciary 's duty that shows the bills that are being paid and outstanding so that the VA know the circumstances of the veteran for the oncoming fiduciary. You will notice that the debts being contested or disputed are not listed on this legal document due to the fact that the legal fiduciary opened these accounts fraudulently and was keeping them hidden from the VA, but was still paying them out of the veterans ( Mr. XXXX ) bank account, which was not in his best interest. That is why to some creditors it looks like it was indeed the veteran that opened them and paid out of his account, but in fact he had no control over his finances and his fiduciary was the one opening accounts without his knowledge and permission and illegally, and it shows deceit by not even informing the VA with the bills report while doing so. After years of treatment and rehab Mr. XXXX was able to get to a status where he was able to learn and gain his memory and other things back. at this time he quickly got divorced when he noticed things were happening that should not be and after some time researching what has been going on with things and looking at his records and files, which took some time he realized what was and wasn't his and now is able to start managing his own finances which is document is these attachments. After realizing that he was paying bills for things that was not even his responsibility he realized something needed done and that is why we are where we are today writing this complaint. He has tried many avenues to get these issues fixed, but has gotten anywhere except harassed and accused of many horrible things by the customers service reps from these credit card agencies and it's about time that they correct the issues they have put him through and more! This isn't how we treat war veterans that come back to the USA with injuries then get taken advantage of by an evil person and then have to deal with even more inconsiderate humans while trying to get things fixed, its a disgrace that someone has to deal with this much XXXX in their life over fighting for their country. there are plenty of attachments to support these facts, and please understand what a fiduciary is since most people dont and think that if someone is deemed incompetent they must have a POA, that is incorrect when it comes to federal monies so please make sure your very versed in your knowledge when responding and trying to make more accusations as expected like other times instead of accepting the truth.
Consumer complaint received 2021-08-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

On XXXX my XXXX  month old daughter accidentally, while watching XXXX XXXX on the XXXX, sent someone {$9200.00} via paypal. although paypal has two factor authentication on its app, it does not actually require any information in the form of face or finger recognition or a password to access the app. 
Paypal first claimed that the money was sent from my phone and was therefore a valid transfer regardless of the circumstances surrounding the transfer. they then suggested we file with them an " item not received claim '' which would resolve in our favor after the recipient of the money was unable to provide shipping information. although being told this claim would resolve automatically in our favor on two occasions, since that time paypal has refused to unfreeze this money and tried to draw this money from our checking account claiming alternately that there is a " Grey area '' surrounding our case because we have suggested it is both unauthorized transfer of funds and item not received, ( although paypal created the claim and changed the nature of the claim for us based on information we provided over the phone ) and that we need to provide paypal with proof of purchase of an item or a description of the item, even though they know we can not provide proof of purchase as paypal knows there was no purchase. further the recipient of the money has continually tried to return the money via paypal and paypal rejects the return of the money as hindering its investigation, rather than accepting the return of money as further proof that this money was not intended for this person. paypal, not even the unintended recipient of this money, is now in possession of almost {$9300.00} dollars which it inexplicably refuses to return to me under the guise of various investigations, all the while promising the return of the money if we would simply wait a few more days.
Consumer complaint received 2020-12-31
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My name is XXXX XXXX XXXX I have a complaint about Bank of America EDD prepaid card. I called Bank of America regarding my account being frozen because of the fraudulent that had happened to my card. When I discovered that some of my money totalling {$3900.00} were taken, I reported it right away. They canceled that card and sent me another one within the next day. I had also filed a police report regarding this fraud. Two days after I received my new card, Bank of America locked it. Right before XXXX. I have spoken to their people even asked for a supervisor and they kept sending me to different department and gets hang up. Then, I got a letter from them saying that my fraudulent case is closed! I called them and asked why and they never give me the right answer. I also called them for my account statement to be emailed to me so I can send it the police officer that was assisting me with my fraud case and they never send it when I was told that it will be email to me. It's been two weeks and 3 different people I have talked to regarding sending my statement and still no email. They locked my card and I can't get my money ( almost {$9000.00} not including the {$3900.00} that was stolen from me ). At first, they said it was the EDD that locked my account but the EDD told me that it was Bank of America. I am ready to take legal action at this time because they are just having me run around the circle. Please help.
Consumer complaint received 2020-12-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I was contacted by Portfolio Recovery Associates, LLC and request a debt validation. In return I was sent an account statement that does not prove the debt. I was not provided an original contract that bears my signature and this I am unaware of this debt.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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 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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX. 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 ( XXXX ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2021-08-28
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. (NY)

To whom it may concern, I was looking at my credit report on XX/XX/2021 and noticed there was some inquiries i have never authorized which if fraud and I have no knowledge of and never signed anything for any of the following. The ones in question are XXXX/XXXX  Inquiry from XX/XX/2021, XXXX/XXXXInquiry from XX/XX/2021, XXXX XXXX, XXXX  XXXXInquiry from XX/XX/2021 & XXXX , XXXX/XXXXInquiry from XX/XX/2021. I would like these all removed from all credit reports as this was not authorized by me and to my understanding of the fair credit reporting act I have the right to make my credit accurate thank you for your help.