davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-18
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but Transunion has been reported as follows : XXXX XXXX ACCOUNT NUMBER XXXX BALANCE {$23000.00} ACCOUNT OPENED ON XX/XX/2017 REPORTED AS CHARGE OFF UNPAID. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-06-19
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: Second Round Limited Partnership, Austin, TX Branch (CA)

In XXXX I my credit was impacted by a company called XXXX XXXX. They claimed I owed them XXXX. I have never done business with this company and I have not borrowed from them. I contacted them and asked for any contracts or supporting evidence. They had no contract and removed the item from my credit. Two months ago a new company : SECOND ROUND LP at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX or ( XXXX ) XXXX, began reporting this fraudulent debt as a new collection. This has seriously impacted my ability to do personal business. On XX/XX/XXXX, I asked them for documentation in an effort to discover the nature of the fraud. They could/would not corroborate the debt with documentation. The company has chosen to ignore me and continue to report this account as a collection each month. Today XX/XX/XXXX, experian notified me this company has again impacted my credit by reporting this account collection. Upon researching them on the XXXX site I found multiple serious complaints of impropriety and credit bullying. Please aid me in this situation. XXXX XXXX
Consumer complaint received 2019-06-19
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)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently checked my credit report and discovered invalid personal information along with fraudulent Collection account named : XXXX XXXX XXXX opened XXXX in the amount of {$450.00} which is inconsistent with its reporting across all XXXX credit bureaus and several inquires appeared on my report. I have contacted the company to remove it and sent them my UNITED STATES POSTAL POLICE report and FTC report.It has been several months and I haven't gotten anything from the company as requested for the Debt Validation showing what application that has my signature applying for credit from them and authorization to access my file. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2023-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2019-06-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (NC)

My sister and I opened up an Estate Account at Wells Fargo in XX/XX/2019 after the death of our mother. After weeks have gone by and we have deposited several checks into that account, Wells Fargo contacted me and told me that an error had shown up on the account and I would have to close the account. Turns out the account should have never been opened because there are two executors. Upon opening the account, I provided Letters of Testamentary showing my sister and I as co-executors and the account was opened. 
When I took their advice and closed the account, they issued a check payable to the Estate of my mother. We have been to several banks in the area and they will not open an Estate account with two executors. We decided to take the check back to Wells Fargo and have them cash it and we would open a joint checking account at XXXX XXXX XXXX and deposit the cash. 
I was told at Wells Fargo today that since the estate account no longer exists that they can not and will not honor the check that they issued to me. They told me to get an attorney in order to get our money. The other advice they gave was to go to the Clerk of Court in XXXX, NC and have the paperwork changed in order to get our money, or file an affidavit. They want me to take a day off work , drive 3 hours away and fix their mistake. With that said, Wells Fargo issued us a check that we can not cash and they will not honor. 
Please help us if possible. This seems illegal to me. They made an error and are trying to withhold our funds.
Consumer complaint received 2019-06-19
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. (IL)

Repeated requests to provide methods of accuracy & verification used by Experian pursuant to FCRA 's promulgated statutes, rules, authorities and/or 611et. seq., remains intentionally silent.
Consumer complaint received 2019-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (SC)

I enrolled in a debt management program to manage my American Express credit card account. American Express agreed to the terms of the program. I make the agreed upon payment of {$650.00} toward the balance each month, but they continue to flag my account monthly as " Account charged off/Never late. {$30000.00} written off '' ; however the debt is being paid, as per the agreement, and therefore does not qualify as a charge off. This consistently negatively affects my credit score and the flagged information is not accurate.
Consumer complaint received 2021-04-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NC)

My account was restricted for reasons only known to coinbase, Ive banned from sending and recieving crypto on coinbase, wasnt even allow to make new deposit or withdraw ... the only given option was to withdraw my funds from the coinbase via my linked bank account. My linked bank account is no longer active which means I might need to link another bank account to coinbase before I could make a withdraw. Ive been restricted from doing this aswell ( Im not allowed to link a new bank account ) coinbase has been holding my money hostage since 2020. My investment plan was ruined last year. Now I cant even take out what I have left in the account which is a total of {$21000.00}. Im sick and Im tired of this. 

Sent an email to coinbase on XXXX of XXXX and I got the response that my case has been transferred to a specialist. Nothing else has been do by coinbase ever since My email is XXXX Amount left in coinbase is {$21000.00}
Consumer complaint received 2019-06-19
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. (IL)

Repeated requests to provide methods of accuracy & verification used by Equifax pursuant to FCRA 's promulgated statutes, rules, authorities and/or 611et. seq., remains intentionally silent.
Consumer complaint received 2018-06-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CORELOGIC INC (NJ)

On XX/XX/XXXX, I called this company and was the I owe monies to an insurance company, and to fax proof to them that I did not own vehicle in question. I was in a car accident and had no car and no car insurance and for the vehicle they were claiming I had. I asked to have the negative mark removed from my credit report I was told I had to provide my personal information such as SS # and address.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

This credit reporting agency continues to unapologetically report fraudulent information on my consumer file. I have sent in a certified letter showing proof that the account they are reporting is currently in litigation for Fraud and this reporting agency is still reporting this erroneous account on my file. I am now forced to file a civil lawsuit in federal court against them which is costing me more time and money. This company repeatedly reports unverified information because the company reporting the tradeline pays them. This company doesnt seem to take federal laws seriously and continues to violate my consumer rights costing me loss opportunities, time and cost. This company needs to be held accountable and these federal agencies that claim to be in place to protect the consumer need to take legal actions against them.
Consumer complaint received 2023-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Concerto Card Company (AR)

I have a business card account with PayPal Business Mastercard Credit Card through XXXX XXXX. I have credit limit of {$15000.00} and currently an available credit of {$2600.00}. 

Today, XXXX card has been declined across multiple recurring online accounts. 

At XXXX XXXX today, I called the company 's customer service and was told " Due to a policy that we can not disclose, you will not be able to use the card until 20 days after the end of the statement close. We advise our customers to not make more than 1 payment every 20 days. '' So, it appears that they are applying a term that I did not agree to on making more than 1 payment within an 8 day period. 

After demanding to speak to a manager, I was told, " You can not speak with a manager because the policy can not be overridden. '' Now I have a card that my company relies on that is connected to numerous accounts that is locked down due to a term I did not agree to and a policy that they will " not reveal. ''
Consumer complaint received 2019-06-19
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. (IL)

Repeated requests to provide methods of accuracy & verification used by TransUnion pursuant to FCRA 's promulgated statutes, rules, authorities and/or 611et. seq., remains intentionally silent
Consumer complaint received 2019-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

Purchased home for {$39000.00} in XX/XX/XXXX. Refinanced in XX/XX/XXXX, victim of predatory and subprime lending practices. Paid mortgage for 12 yrs., eligible and received HAMP modification with XXXX then mortgage was sold to investor group ( s ). I continued paying even while mortgage servicing change to 3 different companies. Mortgage debt amount forgiven on ( - {$44.00} ) in XX/XX/XXXX. New Servicer : Select Portfolio Servicing ( SPS ) has mortgage with a balance of {$35000.00} with a mature date of XX/XX/XXXX! I have little equity, even though I have been paying off mortgage 22 years! do I have ANY recourse? What should I do short of foreclosure? Mortgage Holder : XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX., XXXX XXXX , NY Select Portfolio Servicing ( SPS ) XXXX XXXX XXXX XXXX XXXX XXXX , Utah XXXX Loan # XXXX
Consumer complaint received 2018-02-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I am getting calls from number that says it is XXXX XXXX in XXXX. ( XXXX ) XXXX multiple times a week. If answered get rude people saying they are from Portfolio Recovery. Very deceptive and demanding of information.
Consumer complaint received 2023-06-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (OR)

My husband and I applied for a mortgage with Chase bank. Our loan officer was XXXX XXXX out of Washington. We were approved. In the end we chose to go with another mortgage company because chase payment was to high. XXXX XXXX did not cancel our mortgage and for three days we got emails and phone calls from title company, underwriter and our own real estate agent saying the loan was moving forward and we were good to go. Our realtor knew this was untrue and we contacted the title company and underwriter ourselves to give them that information. He then was a sore loser and withheld the appraisal that we paid for saying we did not pay for an appraisal. I have proof directly from him that says our XXXX deposit went to our appraisal. He still refused to transfer the documents saying that is never done. If it wasnt chases policy to transfer then he should have let our new mortgage company know that. Instead the only word he used in his response email to them was NO. I have proof of all of this. This man is obviously upset we chose not to go with Chase and has made us pay for it. I had to spend XXXX to get another appraisal instead of using the one we paid XXXX for. I have proof he said our money paid for appraisal. I have proof he told new mortgage company we did not pay for appraisal. There were several other things that he did that should not be the behavior of anyone dealing in financing and mortgage. What he did is dishonest, immoral and against the law if we paid for appraisal ( I have proof ) then appraisal belongs to us. I contacted his manager several times by leaving a message and sending email. No response. I am making this complaint so maybe other people will not have to experience the same thing as us. Please contact me. I am happy to provide documentation, dates, times or anything that is needed. Thank you.
Consumer complaint received 2019-06-18
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: Santander Consumer USA Holdings Inc. (FL)

On XX/XX/XXXX I finance a 2009 XXXX XXXX with Santander Consumer USA. When I finance the vehicle, I was in the middle of a chapter XXXX bankruptcy that discharged in XXXX of XXXX. Santander approved me for the loan I had an approval from my trustee as well. After financing the vehicle with Santander, they reported to my credit for a few months. Then I noticed they stopped reporting. I called Santander to find out why they werent reporting. They said because I filed bankruptcy. Which was incorrect I was already in bankruptcy when I was approved for the loan. After inquiring about this matter, they went and removed it from my credit altogether. I do auto finance for a living. I have had multiple customers in bankruptcy that were approved by Santander the same way and they reported their loans to the credit. When these customers came back to purchase another car or trade, they still reported years later. I would have never financed this vehicle. I would of payed cash at the time, so I didnt need to pay any interest ( especially a high interest rate ) if I knew they werent going to report to my credit. I made 12 payments on the loan then I paid it off, so I didnt need to pay any more interest. I want this account to be reported to my credit. I paid them to report to my credit I feel they should make this correct. I have contacted them multiple times about this issue including trying to contact the president of Santander Consumer USA. No one want s to correct this issue they say they cant. Its not a matter of cant as it is the will to. I made all my payments on time.
Consumer complaint received 2023-05-18
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)

About 6 months ago i received a copy of my credit report and i noticed several accounts that are listed on my report that i never applied for never used and never received any benefit from i disputed these accounts and they refused to remove them all these accounts are results fo identife fraud XXXX XXXXXXXX, XX/XX/XXXX, {$800.00}, ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  {$610.00}, ( XXXX ) XXXX, XXXX XXXXXXXX XXXX XXXX, XX/XX/XXXX, {$18000.00}, ( XXXX ) XXXX, XXXX XXXX, XX/XX/XXXX, {$15000.00}, ( XXXX ) XXXX, XXXX XXXXXXXX XXXX  XXXX, XX/XX/XXXX, {$2400.00} XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$2400.00}, ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$1200.00}, ( XXXX ) XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$340.00}, ( XXXX ) XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$140.00}, ( XXXX ) XXXX, XXXX
Consumer complaint received 2019-06-18
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (MD)

My names is XXXX XXXX Executor Of My Son, XXXX XXXX XXXX. He was killed in a XXXX XXXX that wasnt his fault on XXXX. He was a XXXX yr old XXXX XXXX. His father, XXXX were XXXX. He just bought a 2019 XXXX XXXX financed through XXXX XXXX. The Survivor Specialist just informed me they no longer offer Payment Protection/ Debt forgiveness as of XX/XX/XXXX. That would have paid his Loan off. Yet it is still advertised in there Survivors Guide. I am totally shocked that a XXXX dollar bank would expose itself and its members to such hardship. Its very reckless of the company. Please advise.
Consumer complaint received 2019-06-18
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: CL Holdings LLC (TX)

I have repeatedly attempted to have the information provided by XXXX  to be corrected or deleted. There is an accout from XXXX XXXX XXXX on my credit report that had been SOLD to Jefferson Capital. I then asked Jefferson Capital to validate the debt, they could not and they immediately terminated their collection activity on the account according to the letter they have dated XX/XX/2019. 
I recieved a letter from Experian on XX/XX/2019, Report # XXXX stating that the information was " UPDATED '' and it was not. If the account had been investigated properly it would be clear that account is no longer in collection and/or deleted. The only change to the report ar in the 2nd " comment : '' area stating " the item was updated from our processing of your dispute in XX/XX/2019. '' If that is true why is Jefferson Capital currently on my report still. 
And if XXXX contacted the " data furnisher '' and not used the electronic systems that was used in the last dispute, I feel like this account would be deleted as the credit bureaus XXXX  has done.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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