davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-09
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)

At the time of the identity DEF gain access I believe all my personal information including my Social Security number was used to open up accounts without my permission and my authorization I hope by submitting this report it would help put a stop to this issue from Ever occurring
Consumer complaint received 2024-03-04
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Delete the late date of the disputed item from my credit report immediately as mandated by the FCRA, and cease the inaccurate reporting, or face legal consequences for non-compliance. The failure to respond appropriately within the specified time frame will result in further legal action for the violation of my rights under the FCRA. XXXX XXXX XXXXXXXX Date Opened : XX/XX/2011 Balance : {$290000.00}. Please update the status of this account ASAP.
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: RFNA, LP (GA)

Republic Finance # XXXX I have sent XXXX  and Republic Finance several letters over the last XXXX months in XXXX and even one in XXXX of XXXX requesting validation of a debt. I included my name, social security number, date of birth, address and telephone number. It has been well over 6 months and I have not received a response back. I sent at least 6 letters to XXXX XXXX XXXX. XXXX . XXXX XXXX, GA XXXX starting on XX/XX/XXXX requesting validation of debt. I include my name, social security number, date of birth, address and telephone number. It has been well over 6 months and I have not received a response back. Moreover this account is reporting errors that seem suspicious how can you have different date last active? and date of last payment when the account is supposed to be charged off? Republic Finance has been re-aging this account which is a violation of my rights. XXXX  has been reporting this wrong information every month since I found out about this account which is horrible and I need to understand how they can do this to me? 

Again, I previously submitted letter after letter to have this looked into. I requested assistance from CFPB in obtaining loan paperwork with terms and conditions. I indicated that I had previously attempted to resolve it. Republic Finance Still has not provided the loan terms and conditions as promised directly associated with my social security number, loan number.
Consumer complaint received 2019-04-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (OR)

Around XX/XX/2018 I attempted to initiate a vault withdrawal of XXXX Bitcoin on my Coinbase account so I could sell it for USD ( The value at the time was approx {$12000.00} ). The vault withdrawal got stuck and I never received the confirmation email. I contacted Coinbase support on multiple occasions and when I actually got a response from a living human they appeared to have not even read my complaint. Eventually they said they " escalated the complaint '' but I never heard back and nothing was fixed. A year later, the vault withdrawal is STILL stuck, and I am STILL receiving automated responses. I attached one of the email back-and-forths but there were a couple others with more or less the same sort of interaction. Zero real help on their part.
Consumer complaint received 2019-04-23
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. (OR)

I am currently trying to get a truck refinanced. I learned from the dealership that there was a fraud alert on my credit file. I called Equifax the agency reporting the Fraud alert and answered there questions multiple times, they also stated that I had answered the questions correctly and they still tell me that they can not verify my identity. This is simply ridculious. I received no alerts or notifications that this existed on my credit file and the fact that there is nothing left on my credit report due to the Chapter XXXX bankruptcy we had to file last year. They will not assist me with removing the faults information that they have listed on my credit report.
Consumer complaint received 2019-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

i wrote to capital one where i have 3 cards in excellent standing and a XXXX credit score XXXX i just get scripts back i should be approved for savor card or get detailed explanation as to why not what info are you basing it on? It must not be correct. please tell me WHAT specifically is preventing you from giving me the card. 
i have XXXX XXXX score XXXX XXXX XXXX XXXX  please tell me why i applied for XXXX card a few weeks ago
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-04-23
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. (TN)

This information is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months. There are multiple accounts showing the same account numbers.
Consumer complaint received 2019-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

In XX/XX/2019, I called Equifax and asked to have a fraud alert removed on my credit report which I never requested be on my credit report. They did not remove the alert as I requested and also put a freeze on my credit report preventing me from applying for an auto loan and accessing information on my credit report. I called Equifax 7 times yesterday to try and resolve the matter and kept being told different information and then had 4 representatives accuse me of not being who i said I was. Because of this, I now have unfair inquiries on my credit report which has lowered my credit score for no reason because none of these creditors could even view my credit report and I was denied a loan unfairly. Equifax requested I mail highly confidential information such as my drivers license and my social security card to a PO Box or via fax in order to prove who I am and I am not comfortable sending this information by either source, as I already attempted to submit this information to them once and received no response or assistance. I need to have the freeze lifted from my credit report immediately and I never requested a fraud alert or a credit freeze. Equifax representatives refused to help me and provided the worst customer service I have ever experienced!
Consumer complaint received 2023-01-27
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)

This is my several endeavors to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2019-04-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Financial Systems, Inc. (MS)

This is just a follow up complaint about Southern Financial Systems. This complaint it to show that Southern Financial Systems is aware that the debt is fraudulent and yet they still report the debt to credit bureaus. I spoke with the original creditor, XXXX XXXX, and sent them the documentation they requested to confirm fraudulent activity. The XXXX XXXX  collections representative, XXXX XXXX, confirmed receipt of the documentation and forwarded it to XXXX so that Southern Financial Systems can be aware that fraud has taken place. Ive given Southern Financial Systems over a month to remove the debt from my credit files since they now have proof that my signature was forged. I also explained to XXXX that the address where I lived is family land and is shared by 3 households. XXXX understood this and acknowledged how easy it would be for someone to tamper with my mail. I tried to explain the same situation to XXXX but she would continuously cut me off to avoid hearing the truth. Southern Financial Systems has willfully neglected their duty by federal law to remove the debt. This debt from ambulance services that Southern Financial Systems is claiming I owe was made with with another debt from XXXX XXXX in XXXX, MS . When XXXX XXXX tried to collect the debt from me for the hospital services accrued from the person who committed fraud, I was able to dispute the debt and the collection agency immediately deleted the debt because they had proof of fraud. I have in writing that the hospital debt was considered invalid and deleted immediately. However, XXXX of Southern Financial Systems is operating from a place of greed and lack of a moral compass. I have attempted to settle this without seeking legal intervention but XXXX refuses to follow federal law because for some reason I believed that this woman was noble enough to see an invalid debt and delete it. But XXXX is fully aware of the invalidity of the debt and still continues to report to the credit reporting agencies. I think that XXXX feels she is bigger than the law. Im submitting this complaint so that it can be posted publicly for others to be aware of the criminal activity that is exercised by XXXX and Southern Financial Systems.
Consumer complaint received 2019-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

1. Wells Fargo ( WF ) duplicated hazard insurance ( hi ) payment by paying my hi company, XXXX, the payments I was and continue paying to hippo. this caused my mortgage payment to increase {$1300.00} 2. several WF supv acknowleded WF '  insurance dept mistake by not paying attention to the payments already being made by me. 

3. see the following 6 attachments : *attacmnt 1 : wf 's request to send proof of insurance by XX/XX/XXXX. 
*attchmnt 2A, 2B, & 2C : my proof of insurance & payments to XXXX ; sent to wf XX/XX/XXXX from WF branch *attachmnt 3A & 3B : WF closing property insurance and adjusting my mortgage payment back to it's usual {$1200.00} ; proof of their mistake and correcting it XXXX. I thought the case was resolved as clearly shown on attachmnts 3A & 3B, but another wf rep called me XX/XX/XXXX to say i still have to pay for their duplicated hi payment. 

6. she will never show you the attachments 's i sent you and she is misquoting me 7. see complaint id XXXX for original complaint
Consumer complaint received 2019-04-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Credit Control (CA)

On XXXX XX/XX/2019, I received a phone call from 'CCC ' ( Continental Credit Control ) regarding a debt to collect from a medical bill which is currently being reviewed and processed by the Department of Labor Worker 's Compensation. This medical bill was due to a work-related injury while performing duty as a XXXX XXXX  XXXX  with the XXXX  XXXX XXXX XXXX. 

The medical bill is already being sent for collection in which I should not receive the medical expenses since it is covered by the federal agency. I have never received a notifcation to pay or an inquiry to collect from the original creditor. This is an unfair debt collection by the original creditor and debt collection agency who use unfair communication tactics by threatening the member if the debt is not paid.
Consumer complaint received 2019-04-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I have a Chapter XXXX that appears on XXXX  and Equifax. It does not appear on XXXX. I have sent several letters requesting that this be removed. They both have advised me that my Bankruptcy was verified with a ( third party agency named ( XXXX XXXX ) it was not verified with the courts. I have a letter from the U.S Bankruptcy courts in XXXX, IL confirming that they did not verify my Bankruptcy with any Credit Reporting Agencies.
Consumer complaint received 2019-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

Capital one has allowed someone to change my address 6 times in 2019 alone ( not including the times in years past ) I have repeated asked to have notes put on my account that make them call my number prior to making ANY changes to my account but they continue to ignore that request and allow someone to close my card and send a new one to their address. This is causing me financial issues as well as time taken away from my family and my business. Ive included a screen shot of each time this has happened in 2019 alone.
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-06-06
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

Filed a dispute in XX/XX/2020, with Equifax asking them to delele the Bankruptcy that appears on my credit report as inaccurate. I received the results back stated that they verified the information thru XXXX, however, my XXXX credit file has a freeze on it. Under the Fair Credit Reporting Act, Under the security freeze XXXX can not release any information in my credit file without express authorization. I want this bankruptcy deleted from my credit report immediately.
Consumer complaint received 2023-03-17
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. (PA)

Fraudulent Accounts and Inquiries On Credit Report. 


1. XXXX XXXX XXXXXXXX {$1300.00} 2. XXXX {$6200.00} 3. XXXX XXXX {$4000.00} 4. XXXX XXXX XXXX {$520.00} 5. XXXX {$280.00}
Consumer complaint received 2022-12-14
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. (FL)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights.15 USC 1681 section 602 states I have the right to privacy.15 USC section 604 A section 2 : it also stated a consumer reporting agency can not furnish a account without my written instructions.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 and purpose
Consumer complaint received 2019-04-24
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (GA)

I do not have a contract with SANTANDER CONSUMER USA. I found out from the credit reporting bureaus XXXXXXXX, XXXX and XXXX that there was a negative account under " SANTANDER CONSUMER USA '' under account number XXXX. SANTANDER CONSUMER USA has failed to provide any legal validation or a letter in accordance with the Fair Debt Collection Practices Act. I am seeking proof that this debt is mine and will require a copy of the original contract under which the credit account was obtained, as well as monthly statements since the debt was purchased. I have sent several letters, including notarized formal validation letters seeking this verification and to this date SANTANDER CONSUMER USA has failed to provide the information requested. SANTANDER CONSUMER USA is clearly in violation of the Fair Debt Collection Practices Act and I will seek legal action against this company for the practices if the issue isn't resolved immediately. SANTANDER CONSUMER USA has not provided the undersigned with any evidence to substantiate its claims that this debt is a legitimate debt. Further, there has been neither proof that SANTANDER CONSUMER USA has permission to collect this debt, nor have they provided previous verification of this debt. Finally, I have received no information that SANTANDER CONSUMER USA currently possesses any documents of this debt. Since this company has failed to provide any evidence of the claims made in their response, I am led to believe that neither SANTANDER CONSUMER USA possesses adequate documentation to collect this alleged debt. Until the above referenced documentation is provided, the undersigned 's position is that this debt does not exist and a reporting error has occurred. Finally, unless this documentation can be provided, SANTANDER CONSUMER USA shall immediately remove this account from all three ( 3 ) credit reports and shall be subject to any and all costs, including attorneys fees, should I pursue this matter further.
Consumer complaint received 2020-06-02
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (NY)

I am in possession of a check dated back to XX/XX/2004. in the amount of {$6900.00}. I came across the check behind my file cabinet un-opened. I am not sure when or how the check made its way to me because the address on check is off by one digit. The check was generated by Chase bank and shows check #, vendor #, company # as well as routing and account number drawn from. After going to branch I was told they should be able to get me a replacement after research department completes investigation to determine the check was not cashed. I faxed a copy of check with letter of explanation requesting assistance. I called weekly for update and was told they can't assist me further because the mortgage account associated with this check is inactive. they provided the mortgage account number XXXX. I asked to speak to a supervisor and supervisor wouldn't come on the phone. I told them to provide me with a name or department that may be able to look further into this and I was told this is the last step. I asked them how can this be the case and how could I simply forget about a check in the amount of {$6900.00} and I was told I should have cashed the check when I got the check. I informed them that I would have to pursue this further and was told to do what I must.
Consumer complaint received 2019-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC. (CA)

This complaint is regarding Violation of verification and reporting of installment account XXXX XXXX account # XXXX date opened XX/XX/2013. Negative items ( installment, revolving ) on my credit report ( s ), where I personally contacted the creditors and they could not locate any accounts under my name. I was also informed by them that they do not verify or provide information to 3rd party credit reporting agencies. How is it possible Equifax is reporting negative account information? Your assistance is greatly appreciated. Out 3 CRA only Equifax is the one that is reporting this account on my consumer credit report, not my account/ never had account with XXXX, incorrect " PACER '' data and violates FCRA provision 605,607,611 and 623a I have also submitted a complaint with the Federal Trade Commission and forwarded this information to my attorney to file a lawsuit against Equifax for reporting wrong information and damaging my credit rating.