davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: INVESTORS BANK (OH)

I applied online XX/XX/21 to Investors Bank XXXX XXXX XXXX XXXX XXXX, NJ XXXX for a XXXX XXXX XXXX XXXX based on an offer they made me. On XX/XX/21 at XXXX Reference Code is : XXXX they told me I was turned down and would have to wait on a letter in the mail in about XXXX days for the reason which I never received. I followed and messaged them about XX/XX/21 and received no reply to date.
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

To who it may concern, I had to ask for the CFPBs assistance for I am worried that my letter is being ignored since I have not received any response from your company. I was requesting for some negative items to be verified and be deleted but from XX/XX/2021 until this date, it's been over a month but I never received any letter or notification from your company.
Consumer complaint received 2024-06-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (CA)

I work with several international contractors who prefer to be paid through Wise. 

I created a Wise account, which was immediately suspended ( I don't know the exact reason why, but I think I may have typo 'd my own birthday when entering it ). 

I spent XXXX months going through a lengthy " appeal '' process, in which they required me to take multiple selfies, upload passport and drivers license, write special numbers down and take pictures of those next to my documents, etc. 

After all of that, they said they decided to permanently ban me from the platform, saying they could not tell me why they made this decision and made it clear that it was impossible to appeal. 

I am now working at a different company which requires me to have access to Wise since it is the company 's preferred payment system -- I am however unable to access Wise because my phone number is connected to my old banned account which they refuse to release, appeal, or delete.
Consumer complaint received 2022-10-02
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. (NJ)

Identity theft, see attached. I DO NOT need to provide an identity theft affidavit or police report. It is NOT REQUIRED under the Fair Credit Reporting Act. 

Within the attached document, I provided everything needed under 15 U.S.C. 1681c-2 My identity theft documentation is valid according to Federal Law.
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I have sent over 3 rounds of letters to the bureaus and they are not responding in a timely manner, it has been well over 30 days and I have not received anything back. They also are violating FDCPA section 807, as this is leading false reporting.
Consumer complaint received 2021-11-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (NY)

Coinbase advertises the purchase of XXXX, a cryptocurrency that operates on a blockchain called XXXX. However, when you purchase XXXX on XXXX, they actually sell something called an XXXX token on the XXXX blockchain which is *not* the actual XXXX cryptocurrency and which costs upwards of {$180.00} to convert into the actual cryptocurrency. XXXX, they completely lied about the asset they were selling and suckered me out of my money which I believe I was transferring to XXXX but instead was transferred to XXXX. So unless I spend now {$180.00}, I'm out my {$80.00}. XXXX refuses to take any responsibility for this action and only after I complained informed me that they do not actually sell XXXX on the XXXX network. This is entirely fraud, and as a company with significant holdings in XXXX, XXXX stands to profit from the more money sucked into that blockchain.
Consumer complaint received 2022-02-04
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. (IL)

Hello I noticed late payments on a few of my accounts and it has been XXXX trying to get them corrected. The credit bureaus whom aren't bureaus at all have falsely listed the wrong accounts and statuses to accounts on my credit file. The accounts XXXX XXXX XXXX XXXX are showing late payments when I have stated they were never late. The XXXX account is showing the account # XXXX three separate times and there should only be one whole account. XXXX, Transunion, and XXXX are companies not bureaus and they have no rights but I do. No consent or permission was given to allow them to furnish any of the information they have listed on my credit file and I want it all corrected. To prove they have no rights and I the consumer require that they follow the consumer laws under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer or be prepared to pay for every violation I can find under Title 15.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The Company reported my loan as 30 days late 3 times ( XXXX, XXXX, XXXX. ) on the report which it is not. The latest being for XXXX  even though we are still in the month of May. I contacted the Company and Bureaus to report it and it was verified by the Company. When I called XXXX they claimed they don't have a credit reporting department and therefore there was no one to talk to and to contact the Bureaus. It has jus been a back and forth...
Consumer complaint received 2022-02-03
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. (MI)

On XX/XX/XXXX I sent a letter disclosing inaccurate items on my credit report. We are nearing 60 days since the original letter and I have heard nothing from your agency. I feel that its extremely unprofessional how little your agency cares about the accuracy of the credit reports you provide. Section 611 ( a ) of the FCRA clearly states, that failure to investigate disputed items within 30 days give reason to immediately remove those requested items from my credit report. Being that we are approaching 60 day at the time of this complaint, the item should be removed at once. If the below referenced item is not removed immediately, I will file for litigation due to the emotional and financial stress this has caused. I have already reached out to XXXX & XXXX as well and the matter was resolved promptly. Like many others, my information also may have been impacted by the XXXX Equifax data breach and could have been compromised. 

Disputed item : Inquiry - XXXX XXXX- requested on XX/XX/XXXX Reason - Invalidated/unauthorized inquiry Thank you,
Consumer complaint received 2021-11-24
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. (NH)

I had a XXXX XXXX  XXXX credit card for a few years. At the beginning of XXXX, due to XXXX, I fell a few months behind on my payments. XXXX XXXXXXXX XXXX offered me a settlement to settle my debt for less than I owed, which I accepted. Before my next settlment payment was due, my financial situation improved due to XXXX and offices opening back up remotely. 
I contacted XXXX  XXXX XXXX and asked if I could get out of the settlement agreement and pay them the full amount i owed. I did not want a " settled for less '' on my credit report and I was now in a position to pay the full debt as agreed upon. I was ASSURED on numerous recorded phone calls that this was an option, and that I had successfully exited the settlment agreement and that I could pay down my card balance monthly per normal. I was also ASSURED the account would not be charged off. 
I asked multiple phone reps to make notes on my account, and confirmed multiple times that our calls were being recorded. Shortly after this resolution, XXXX XXXXXXXX XXXX continued to charge off my account for not meeting the terms of the settlment. 
I have been in contact with them and multiple escalation managers have reviewed the recorded phone calls. These escalation managers, as well as XXXX 's legal team, confirmed I was repeatedly given misinformation on the recorded line that lead to the charge off. 
Despite their admission and error, they refuse to remove the charge off from my account even though I have offered to paid the debt in full. 
This account should have never been charged off. If I had been given accurate information, I could have paid off the debt in full at that time. I was specifically told that I'd be able to go back to making monthly payments, that I had successfully excited the settlement agreement and that my account would NOT be charged off. 
XXXX XXXX XXXX gave me numerous pieces of bad information on recorded lines that lead to this, and numerous REPs for XXXX have admitted/verified this information. 
The charge off is significantly hurting my credit score and my ability to get credit fro other agencies and I want to sue them for the harm they have done.
Consumer complaint received 2022-10-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-11-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Strategic Alliances, Inc. (TX)

I received multiple phone calls from different numbers trying to collect on a debt that is not mine ( XXXX XXXX ). Because I do rent cars from XXXX, I called XXXX just to make sure there was no issue. ( I pay each rental from a XXXX credit card, not XXXX ). XXXX stated that I have a zero balance and no issues. On the next call from XXXXirst Financial Asset Management ( FFAM ), I let them know that there is no debt and they may have the wrong person. They continued to call. I blocked the number. I was finally a written request to resolve the debt at a discount. I called FFAM today, XX/XX/2021, to let them know that they either have the wrong person or this is a fraudulent attempt to get money. I asked if they could verify my date of birth or the last four of my social security number. The agent had no information on me except phone number and address, which I find extremely suspicious. They have now stated that they will take me off their phone list.
Consumer complaint received 2024-06-15
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Marlette Funding, LLC (NV)

I applied for a loan, Bestegg offered me a XXXX $ loan that I could use to pay off other smaller high interest loans. I accepted the offer, I was instructed that the company, Bestegg, would cover the taxes and fees for the loan. I was instructed that the fees would be deposited in my account. Bestegg instructed me to load XXXX seperate barcodes at XXXX to make the payments. I followed instructions. They contacted me back saying I loaded to wrong amount and would need to do again. BestEgg loaded more funds and instructed to do again. I complied. It was reported the funds were wrong again, was instructed to do XXXX more time and the loan would be funded. I follwed instructions again, but apparently the daily max had been reached, so I was instructed to purchase XXXX XXXX prepaid cards for {$500.00}, {$500.00} and {$400.00}. After I gave them the numbers I was told something was off and I would be contacted on how to fix. My calls and emails have been unanswered and there were multiple transactions on my account leading to my bank flagging, now all my funds, my personal paycheck was moved and the account is negative by over XXXX $
Consumer complaint received 2022-02-03
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. (CA)

Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XX/XX/21 I sent a letter out regarding inaccurate and unknown things on my credit report. To this day over XXXX days later I have not received a credible response yet. I feel like I am being taken advantage of and ignored of my disputes. Section 611 ( a ) plainly states that a failure to properly investigate any items within 30 days gives a reason to immediately remove them from the credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.
Consumer complaint received 2019-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

My information was breached and leaked out to the public and someone is trying to apply for credit and placed lots of inquiries on my credit report XXXX stated to me that they have never received my information when it was received by mail and tracked that XXXX received my information and lost it I have been in a emotionally distressed state and I seek to file a lawsuit if this situation is not resolved I request all 3 credit companies update my information and make corrections
Consumer complaint received 2021-11-24
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)

I have reached out to Experian several times trying to dispute a fraudulent account I have supplied a FTC report and a police report and the credit bureau still refuses this account that was a result of fraud. I have not been supplied any verification documents or any information in regards to why the account was not removed. The police report and FTC report clearly states I never opened this account and it is not mine and needs to be removed. 

XXXX XXXX- {$1500.00} Date Opened XX/XX/2019 2019
Consumer complaint received 2021-11-24
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. (CA)

I have reached out to XXXX several times trying to dispute a fraudulent account I have supplied a FTC report and a police report and the credit bureau still refuses this account that was a result of fraud. I have not been supplied any verification documents or any information in regards to why the account was not removed. The police report and FTC report clearly states I never opened this account and it is not mine and needs to be removed. 

XXXX XXXX- {$1500.00} Date Opened XX/XX/2019 XXXX
Consumer complaint received 2021-11-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NJ)

I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. 

The above bank closed my accounts without warning. This has grossly affected my business and personal life. As a business owner, sometimes I DBA in my personal name. This isnt in contradiction to any known law. 
Again, I would appreciate a proper investigation into my case. 

Best Regards XXXX XXXX
Consumer complaint received 2021-11-24
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. (TX)

I had sent letters to Equifax, XXXX, and XXXX in regards of my credit reporting. According to 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

As you can see on the letters, the credit bureaus are violating my rights by reporting inaccurate information. I have not received any letters stating how those so called debts have been validated. They are violating my rights of 15 U.S. Code 1692g, to verify those debts and show me proof. 

They are reporting inaccurate and misleading information and it is hurting me, my consumer laws are being violated and I have addressed them about and they have done nothing to remove those accounts because they are violating my rights.There 's so many inaccuracies showing on the account.
Consumer complaint received 2024-06-15
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: Eastern Account Systems of Connecticut, Inc. (AL)

I kindly request an immediate re-investigation of these matters, and urge you to rectify any errors as soon as possible. 
In adherence to the Fair Credit Reporting Act ( FCRA ), Public Law 91-508, Title VI, Section 611, Subsections A-D, I am requesting disclosure of the names and business addresses of all parties who have verified these contested items. This will allow me to follow up directly with them if necessary.

Upon completion of your re-investigation and any resulting modifications to my credit report, kindly forward an updated copy to my address listed above.

The FCRA mandates that all disputed information that can not be verified must be promptly removed from my credit report. It also permits me to seek damages in court if you fail to comply with federal law. 
I appreciate your swift and cooperative response to rectify this situation. It is my hope that we can resolve this issue amicably and in accordance with federal regulations.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC (NC)

Thank you for taking the time to review my credit file. When I contacted them each by phone call, they were not able to pull up any information on me with my social security number, date of birth nor name. In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. 

XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX WESTLAKE SERVICE INC XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXXXXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX WESTLAKE SERVICE INC XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 2020
Consumer complaint received 2021-11-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NFM, INC (VA)

NFM Lending will not pay my real estate taxes on my property and I have an escrow account which has more than enough money to pay it. My taxes are due twice a year. I had to pay my taxes myself in XXXX. They then sent a payment to the county after I had paid out of my pocket and the county returned the money to them. So they have been sitting on this money and will not return it to me. So there is another tax bill that is now due. I have called them on numerous occasions talked to a number of people and they all have a different story. I have emailed them and provided them with a copy of the bill from the county in which my property is located. Each time they indicate they are researching the issue. On yesterday, XX/XX/21 I called again to inquire about the status and was verbally informed that my loan is being sold to another Lender effective XX/XX/21. They have not informed me in writing of this change or provided information on how and where to make my mortgage payment for the month of XXXX. I would have never known this had I not called about when they would pay the taxes. This experience with them has been a total nightmare.
Consumer complaint received 2020-02-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: JPMORGAN CHASE & CO. (FL)

Checked credit and saw an account from JPMorgan Chase in the amount of $ XXXX. I couldnt get any help with payment deferment or discharged due to undue hardship. I was a homeless vagrant for a few years with no job. Im currently living in between my mom and a shelter. Im also back in school as a XXXX XXXX.