davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-04
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. (FL)

All 3 credit bureaus have significantly lowered my score, raised the score and then lowered my score again with 30 days. There is nothing anyone can do in that time period that would reduce an individual 's score that significantly. I have paid all bills on time for more than XXXX XXXX I have a mix of XXXX and my history is as it should be. 

The bureaus response is to send me a credit report in the mail. I know what my is on my credit report. I need all three bureaus to raise my score!
Consumer complaint received 2023-12-23
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (ME)

I received a phone call from Hunter Warfield debt collectors in XXXX XXXX stating that I had guaranteed a load for student housing for {$6400.00}. I told that that I have never guaranteed any kind of loan for anybody in my lifetime the reference number for that acct is XXXX they asked for two forms of ID drivers license and another which I am skeptical to provide. I went to my local police dept to request a copy of the police report that I filed on another case and I will be sending that to them as soon as I get it. This is not my debt someone used my name to get this
Consumer complaint received 2021-08-30
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: FIRST MIDWEST BANCORP, INC. (IL)

On XX/XX/XXXX I received notification that I was declined for a loan with First Midwest Bank that was presented to me through the banks online program as all but approved. The method of presentation and contact with the company stated that the approval was all but assured and that the rate would likely be at the lowest available rate based on the information provided. 

The operator from contact today ( XX/XX/XXXX ) became very argumentative and rude when I asked to cancel the application based on false advertisement and misleading statements made by previous operators and their pre-approval system. She then refused to escalate my call to the proper channels and stated that they do not have a escalations system. 

This was a very misleading process and feels predatory in nature, and for as fast as the operator was to become confrontational and unprofessional, it would seem to me this happens often. 

Conversation was concluded with the operator telling me that my only method of relief would be to lodge a complaint. So here I am.
Consumer complaint received 2022-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have not given written instructions for any late payments to be reported on my credit report. Any negative reporting without consent is fraud and a form of identity theft. 

15 USC 1681 section 602 A- states I have the right to privacy 15 USC 1666b - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (FL)

XX/XX/2022 : I requested for my full refund of {$3400.00} after reading about President Biden 's student loan forgiveness. I was given time line of 160 days which is ridiculous compared to other financial servicers timeline that is processed within 14 days. There was no confirmation emails regarding refund request. 

I have been checking my account to see if the balance has been reinstated, but it has not been. **There is NO way of saving the script that I spoke with chat agents as well. I've asked them for any scripts to be sent, they said they can not provide me with that information. 




Today XX/XX/2022 : I asked for my current status on Edfinancial Website, they were unable to give me any timeline, just mentioned it was " processing '' still. It is unrealistic how they can hold off people 's money and not releasing them in time like this.
Consumer complaint received 2024-05-28
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LD Holdings Group, LLC (FL)

A loan payoff amount of {$220000.00} was submitted by my title company on XX/XX/XXXX. 
Around the same time, Loan Depot renewed the homeowners insurance, causing a small shortage. 
On XX/XX/XXXX, Loan Depot reported a " failed payment '' of {$1700.00} - on a balance of about {$370.00}. I was sent a letter on XXXX ( after the loan was paid ) stating that I had a past due balance of {$1700.00} ( attached ). This was obviously incorrect. 
At the time the letter was sent, I had not canceled my automatic payments. Even if the amount was incorrect, the payment could have ( and should have ) been XXXX 'd exactly the same way every previous payment had been made. Obviously, someone at Loan Depot marked the loan as paid off, canceled the automatic payments, and then Loan Depot changed their minds about what was owed AFTER that took place. 

I called Loan Depot on receipt of the above letter and was told 1 ) The title company needed to send another wire ( they said I could not ), 2 ) I was given at least XXXX different payoff amounts, 3 ) It wasn't until I spoke to you ( XXXX XXXX ), that I got a correct amount and a payoff letter and the go-ahead to wire the payment. 

I didn't receive a payoff letter until a rep ( XXXX XXXX ) emailed me one on XX/XX/XXXX and I paid it immediately ( XX/XX/XXXX ). 

As of today, the payment still has not been reported to the credit bureaus and there is still a late payment listed on my reports- this caused a XXXX point drop in my XXXX XXXX and so far has caused a mortgage pre-approval to be rescinded and an auto loan approval at 6.99 % to be adjusted to 17.9 %. 

As you can see from the attachments, the balance amounts are wildly different, and the actual balance - XXXX was paid off as soon as I was notified of the amount.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX & XXXX XXXX  Date of Inquiry XX/XX/XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XX/XX/XXXX -Attempt to establish a service agreement with XXXX via authorized retailer XXXX XXXX XX/XX/XXXX -Received e-mail from XXXX XXXX that product was shipped to home address XX/XX/XXXX -Received e-mail from XXXX XXXX that product was routed to XXXX  Accost Point XX/XX/XXXX -Contacted XXXX XXXX ; Retailer verified the package as lost. Requested a reshipment of device under XXXX carrier in place of contract with XXXX. XXXX XXXX Representative approved. 

After submitting this information to XXXX, the company refuses to acknowledge a miscommunication between retailers and proceeded to place a non-existent collection in my name for a XXXX device I never received. 

I have submitted several disputes with all 3 credit reporting agencies and nothing has been resolved. I have contacted XXXX several times to remedy this over the course of a year to no avail.
Consumer complaint received 2021-08-30
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. (CA)

I called XXXX XXXX multiple times about follow up on file. I was in the XXXX  for about a month. I tried using the mobile app it did not work and I try calling multiple times I kept getting hung up on. I asked the rep to speak to a manager regarding cfpb complaint they said no one was available.Customer is not helping with my concerns and providing me any type accommodations.XXXX XXXX removed my automatic payment, stop calling me, and the app doesnt work.
Consumer complaint received 2021-08-30
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. (MI)

Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted. I XXXX XXXX, have created and submitted this dispute solely and only for me. Do not respond stating otherwise. Thanks.
Consumer complaint received 2021-08-30
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: EQUIFAX, INC. (MI)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and 15 US Code 1692e ( 2 ) ( a ) and ( b ), the latter was truth and lending act. They are reporting a collection as an Open account which is not under FCRA Compliance. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2019-08-19
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. (MS)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismayXXXX XXXX  and Transunion did not provide evidence. CFPB step up and delete ALL XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX) XXXX, XXXX   (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX) XXXX,  (Original Creditor: ) 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 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

XXXX XXXX XXXX XXXXXXXX is not my account according to FCRA law 15 USA 1681 an 15 USA 1681 I they are supposed to check an make sure it's accurate before adding it to my credit report it's fraudulent an should be deleted I have did all the steps an still no response from company or credit Bureau please delete thanks
Consumer complaint received 2021-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mandarich Law Group, LLP (GA)

On XXXX XXXX XXXX I received a claims notice and summons for a debt that is not mine. It was from XXXX XXXX. It said a loan was opened on XXXX XXXX in the amount of {$5800.00} with XXXX  XXXX. This debt is not mine. The last name was misspelled and I pulled my credit reports and the debt of course doesn't show because it isn't mine. I was recently hired with a financial investment company who did a very extensive criminal and credit background check. I just started this job on XX/XX/. I have filed a dispute with the county and have a court date of XXXX XXXX XXXX. This is very upsetting and I don't know what to do. Please advise me.
Consumer complaint received 2021-08-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (HI)

On XX/XX/2021 I opened an account with Coinbase. I provided all of the required information and was provided an account on their site. On XX/XX/2021, I initiated a wire transfer into my new Coinbase account {$10000.00} from my XXXX account. Immediately after the funds landed in my new Coinbase account I received notice that my account was suspended. I was given no reason for this but I assume it is because my primary residence is in XXXX  with a secondary place in XXXX. I provided this information to Coinbase. Apparently the state of XXXX requires a threshold for companies doing business in XXXX that Coinbase does not meet and I assume Coinbase must be using this to not have me as a customer. I never withheld this information from Coinbase when applying for the account. 

In the notice of my account being suspended, it said to follow the instructions to have my funds returned to me. I was unable to execute this action as I went into a circular default on no action Since XX/XX/2021, I have filed numerous requests and complaints ( over 10 ) to return my funds with Coinbase and to date, I have received 1 non computer generated response with persons name which said, " someone would be in touch ''. 

Coinbase has no live person to speak with and their format is that one type of complaint is supposed to be responded to in 3-5 days and the other more formal complaint is supposed to be handled within 15 days. I have filed both types of formal complaints and nothing has happened and no response from anyone. 

I don't care that Coinbase doesn't want me on their platform but I fail to understand their poor customer service and refusal to release my funds. I only want my funds and will move on to another tradings site. 

Anything that you can do to get them to release my funds ( it is now {$9900.00} ) because they kept {$10.00} when I transferred in funds, would be appreciated.
Consumer complaint received 2020-02-28
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: Experian Information Solutions Inc. (FL)

I CONTACTED XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law. 

several inquires and application has been applied using my personal info i did not give consent nor did i give consent to open any accounts or loans
Consumer complaint received 2019-12-04
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: Experian Information Solutions Inc. (GA)

On XX/XX/2019 I filed with Experian on line dispute of a fraudulent account on my credit report. The fraudulent account was XXXX. This credit account was opened with my stolen social security number and dob. I received back a dispute results dated XX/XX/2019, report # XXXX stating the information was accurate. I then requested they block said information and on XX/XX/2019 they sent a letter requesting additional identification of myself. I then responded with all documentation which included Copies of the following : SS card, drivers license, their letter requesting said information, copy of request to block unauthorized charges, police report, FTC report, Experian credit report. I then received a letter from XXXX XXXX  dated XX/XX/2019 that they had notified all credit reporting agencies to remove this account from my credit bureau report. That I was not responsible. I also made a copy of the letter and mailed to Experian and attempted to upload the letter per their upload site but there site does not work. The other two credit reporting agencies have deleted the information from my credit report and have provided in writing they have done so. All credit reporting agencies were provided the same information to support this is a fraudulent account, and verified by XXXX XXXX  investigation this was a fraudulent account on my credit report. Experian is the only credit reporting agency refusing to remove this Identity theft from my credit report.
Consumer complaint received 2020-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

CLAIM # XXXX letter states it will be removed, it has not been done and my complaint started in XX/XX/2019 and then they said it would be removed from all the credit bureaus and as of today, it is not. then when I have XXXX called them to verify this they run into the problem of they ( XXXX/XXXX ) can not talk to them ( XXXX ) it is just a big run around between credit companies and 3 bureaus. and this is our lives they are playing with. I have been turned down by so many companies because of this and no body does nothing at all about this problem. including this consumer financial. they get paid to take down the notes and pass you along.
Consumer complaint received 2020-02-28
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. (FL)

I CONTACTED Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law. 

several inquires and application has been applied using my personal info i did not give consent nor did i give consent to open any accounts or loans
Consumer complaint received 2021-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: TD BANK US HOLDING COMPANY (OH)

I was charge 3 times for the same one item purchased. I returned the item at the store and received a credit. They returned one for another credit. However I still have an extra charge for that same one item. 

The amount is {$23.00}
Consumer complaint received 2021-08-30
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (PA)

How can these accounts show the payment status of 120 days past due for the months of XXXX and XX/XX/2019 when it has a balance of XXXX? With that blatant error, its clear that the bureaus do not keep accurate records. They are also reporting this company to be the owner of the debt when they are not! These accounts were transferred to another company. The XXXX and XXXX Credit Bureaus can validate this information by investigating the matter and MUST correct or remove the defamatory information they are currently reporting. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID or UPDATE '' all late from reporting on these accounts immediately. Below are the accounts that are still reporting on my account : NELNET XXXX {$0.00} NELNET XXXX {$0.00} NELNET XXXX {$0.00} NELNET XXXX {$0.00}
Consumer complaint received 2020-02-28
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. (MA)

CLAIM # XXXX letter states it will be removed, it has not been done and my complaint started in XX/XX/2019 and then they said it would be removed from all the credit bureaus and as of today, it is not. then when I have XXXX called them to verify this they run into the problem of they ( XXXX/XXXX ) can not talk to them ( XXXX ) it is just a big run around between credit companies and 3 bureaus. and this is our lives they are playing with. I have been turned down by so many companies because of this and no body does nothing at all about this problem. including this consumer financial. they get paid to take down the notes and pass you along.
Consumer complaint received 2021-08-30
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Helm Associates (PA)

I have a loan with HELM ASSOCS. This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the repossession was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureau. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE IT FROM MY REPORT IMMEDIATELY.
Consumer complaint received 2021-08-30
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: AmeriHome Mortgage Company, LLC (VA)

On XX/XX/XXXX, I contacted Amerihome Mortgage LLC to obtain paperwork regarding an upcoming court proceeding. I advised them that I was being taken to court over an escrow refund that was not in my name, but in the name of my former fiancee. Even though we were on the loan together, I was advised that I could not have the check sent to him or any other address. The other party was required to call the company to give them his address information. However, he refused to do this and in fact, is suing me for the check that I do not have. I have called the company as well as the corporate office and submitted multiple requests and I have not received this documentation.