davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I have been trying to raise my credit score in order to purchase a car and a home and I have been charged {$39.00} twice in the last 5 days for credit reports by XXXX as well as other ridiculous charges. After paying off one debt ( I only have 2 ) my credit score has been consistently getting lower rather than higher. I have 17 hard inquiries and I only recognize maybe two and I can't get a hold of anyone to fix it. XXXX charged me for a free credit report not once but twice and the things I have paid off are not showing as positive on my report nor are they adding the extra points. I've also been disputing a collection from 2005 from a utility company and they will not take it off of my report despite disputing it twice yet I can't settle or pay it off because when I call the collection people it is too old to show in their system. Nothing changes after disputes and nothing positive is listed in my credit report only negatives. I never can reach a human. Only recordings. I'm charged for reports that under federal law should be free. And then they tell me it's for other services and fees that I never signed up for and do not want but I'm stuck with because I need these credit reports so I can try to fix them and have a home. I'm a XXXX veteran living with family only because of my credit score and I have no current debt whatsoever. None. The reporting agencies are so vague and have so many ads and other companies offering credit repair b.s. I just don't get it but I want to understand so I can fix my credit score and have a home and reliable car. Thank you for any help you can give me.
Consumer complaint received 2021-05-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

Against Penny Mac mortgages I am formally disputing the appraisal, based on the XXXX XXXX specifically listed reasons contained within this email- there has been a gross material misrepresentation by the appraiser, which I also intend to take up the city 's licensing board for appraisers as he was asking my opinion of value and for information on the unit. 

The company is refusing to reconsider the appraisal or even allow me to conduct another appraisal. They also have provided no response to my requests for answers.
Consumer complaint received 2022-03-05
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. (CA)

My name is XXXX XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and ID as it contains my full complaint request. 

A identity theft report was filed with the Federal Trade Commission. The reference number is # XXXX.
Consumer complaint received 2020-06-05
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. (AR)

I have the XXXX XXXX  app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX {$3800.00} XXXX  XXXX {$8500.00} XXXX  XXXX {$1000.00} XXXX XXXX {$0.00} XXXX  XXXX XXXX {$340.00} XXXX XXXX {$190.00} XXXX XXXX XXXX {$380.00} XXXX  XXXX  XXXX {$860.00} XXXX XXXX {$32000.00} XXXX/XXXX  XXXX {$310.00} BANKRUPTCY CHAPTER XXXX XXXX XXXX {$0.00}
Consumer complaint received 2022-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (PA)

was notified of a debt in my name by FCO collection inwhich they advise me that an apartment have been opened in my name. I advised them that I did not have an apartment in the XXXX Georgia area at any point in time. I asked them to show me a burden of proof of a signed lease showing me being responsible for any monies owed on the lease. This company could not produce that they sent me a lease showing my name listed as an occupant not a responsible party to a lease agreement. They sent me the fraud package to claim this as fraud. I filled out the package along with the police report a lease showing my current address at the time this lease was opened and my drivers license. FCO sent me a denial letter with no justification as to why. They are violating my rights and I will be seeking private counsel as well as alerting the federal trade commission and the attorney generals office. Please investigate this
Consumer complaint received 2022-03-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I was scammed through XXXX which is on my Bank of America app. I sent 2 payments on XX/XX/XXXX. XXXX was for {$700.00} and the other was {$400.00}. The {$700.00} was stopped because the scammer immediately messaged me. But they were not able to take care of it before the weekend so they were able to get the money out. The {$700.00} was in another Bank of America account so Im not sure why they wont protect their customers from their other customers. Additionally {$400.00} was transferred to XXXX XXXX. Bank of America has rejected my claims. I would like my {$1100.00} to be returned. If this is not a protected program why on earth is it literally in my bank app? If it isnt protected by Bank of America it should be removed from their app. I requested it back from them several times but obviously the sender isnt going to give it back.
Consumer complaint received 2022-03-05
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. (MD)

On XX/XX/2022 XXXX I received an email about a hard inquiry on my Equifax credit report. I contacted Equifax to file a fraudulent dispute. My dispute was denied, and I was told I had to contact the company who check my credit, the was XXXX XXXX. Someone had used my social security number and applied for an online catalog with XXXX XXXX. On Monday XX/XX/2022 I contacted XXXX XXXX XXXX department and spoke with a fraud Rep and explained what happened. The rep asked for my personal information and found that someone other than myself had tried to open an online account using my social security number. The rep apologized and said, she/he would forward the information to Equifax, and it should be removed from my credit report within 5-7 business days. This has caused a negative impact on my credit report and score.
Consumer complaint received 2018-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (OH)

Yes I've always been on time with my Walmart credit card. But i lost my mom. And going thru hardship. Was mom 's caregiver for 5years now. Si going thru moms bills and stuff plus my own bills. Hoping too get payment waived for this bill comming up. Just trying too catch up on bills not easy.
Consumer complaint received 2024-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PNC Bank N.A. (CT)

On XX/XX/2024, i sent a payment to PNC bank by paper check thru XXXX, in the amount of {$1200.00}, for mortgage. As of XX/XX/2024, check did not clear, i panicked, and on XX/XX/2024, made a payment online to the bank, confirmation # XXXX, On XX/XX/2024, i received a call from bank, returned call on XXXX XXXX XXXX XXXX, spoke with XXXX, i explained the issue, she looked up the account and stated, XXXX digit was off and the payment was not accepted. she stated i owe the monthly payment plus a late fee of {$33.00}. i stated i will pay the monthly payment due, not late fee. It is a bank error and i should not be charged for a late fee, the made payment was sent on time.i made a payment with her, she stated the payment has been received, confirmation # XXXX, and i have a balance of {$33.00} late fees. again i stated, i will not pay late fee since i tried to make payment twice, that is a bank error
Consumer complaint received 2022-03-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

All three of the CRAs XXXX, Equifax, and XXXX are in violation of USC 15 1681 ( a ) ( 4 ) " infringed Upon a Consumer 's right to privacy '' and 15 USC 1681b ( a ) ( 2 ) " No permissible purpose/No written instruction. On XX/XX/2022 I sent a letter to all three CRAs requesting to remove a bankruptcy reporting on my consumer reports. They all ignored my request and still continue to violate the laws by reporting this bankruptcy on my consumer reports still. I am notifying them this one last time before bring this to the court system. These companies irresponsible actions is causing damages to my character and I plan to seek maximum allowed remedy allow by the law.
Consumer complaint received 2022-03-05
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. (CA)

XXXX XXXX XXXX {$3300.00}, Actions taken-disputes filled with proof that car was paid off by insurance on XX/XX/XXXX. They are reporting late payments with different amount on all three bureau 's Experian, XXXX $ XXXX XXXX XXXX {$3300.00}. I've tried several times but no-one will assist me any further. 

This is a violation of section code 15 U.S.C 1681G Law Violation XXXX XXXX XXXX is reporting inaccurate payment history on all three credit bureau 's. They are reporting late payments with different amount on all three bureau 's Experian, XXXX and XXXX. I've tried several times but no-one will assist me any further. They even overlooked the late payment laws for covid XXXX. 

This is a violation of section code 15 U.S.C 1681G Law Violation
Consumer complaint received 2018-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (OK)

I GOT MY CREDIT REPORT FROM EXPERION, THEN IT TOLD ME THAT I HAD ONLY 2 MINUTES LEFT ON MY REPORT AND THEN IT CUT ME OFF. THIS IS NOT ACCEPTIBLE. PLEASE SEND ME MY CREDIT REPORT! tHERE ARE DISPUTES ON IT, i WANTED TO ADDRESS THESE DISPUTES!
Consumer complaint received 2020-12-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Continental Services Group, Inc. d/b/a ConServe (NJ)

To Whom it may Concern : Centental Service Group # XXXX This is a legal NOTICE AND COMPLAINT REQUESTING documentS and request for proof of claim, Under 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under NEW JERSEY LAW Pursuant to N.J.S.A. 2A:19-13, the assignee The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and XXXX XXXX XXXX XXXX that gave you the right to collect this debt.
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (GA)

OneMain Financial reported incorrect information on my credit report indicating that I am 60 days late on my loan payment. I Spoke with a representative and made arrangements. 

These are the dates I made payments : XX/XX/2020 XX/XX/2020 XX/XX/2020 Current Arraignments : XX/XX/2020 XX/XX/2020 Please assist me in this matter as I am not late with this account. Thank you!
Consumer complaint received 2022-03-05
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. (CA)

XXXX XXXX XXXX {$3300.00}, Actions taken-disputes filled with proof that car was paid off by insurance on XX/XX/XXXX. They are reporting late payments with different amount on all three bureau 's XXXX, XXXX $ XXXX Transunion shows {$3300.00}. I've tried several times but no-one will assist me any further. 

This is a violation of section code 15 U.S.C 1681G Law Violation XXXX XXXX XXXX is reporting inaccurate payment history on all three credit bureau 's. They are reporting late payments with different amount on all three bureau 's XXXX, XXXX and Transunion. I've tried several times but no-one will assist me any further. They even overlooked the late payment laws for covid XXXX. 

This is a violation of section code 15 U.S.C 1681G Law Violation
Consumer complaint received 2018-12-12
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 am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of this XXXX  XXXX XXXX.
Consumer complaint received 2018-12-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (GA)

I attended XXXX from XXXX to XXXX. Graduated with an XXXX XXXX in XXXX. Since then I have been informed that I have 7 of 17 loans still outstanding which amounts to about 60 thousand dollars. Speaking with a loan forgiveness specialist, I was informed that loans were processed in my name from XXXX to XXXX. I was no longer a student after graduating in XXXX. I have made payments to several companies that bought my loans. I stopped because it was so confusing as to who I owe. My check is being garnished15 %  and it has been for the last three years. I NEED HELP. This school has sinced closed and has a lawsuit against them for fraudulant loans being processed.
Consumer complaint received 2021-12-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (WA)

At XXXX XXXX XX/XX/2021 my Coinbase account was hacked. Someone had registered a new device without my consent ( XXXX XXXX Address : XXXX. They had them gained unauthorized access to the account. They then proceeded to withdraw over {$60000.00} BTC, then converted over {$270000.00} of ETH to BTC, then {$24000.00} XXXX LTC to BTC. This happened until all my currencies were converted to BTC. I had over {$400000.00} in my account at the time of the hack. A delay was put on a single transaction at XXXX. Then {$2000.00} was withdrawn from my back account. At XXXX they sent XXXX BTC to a wallet ( XXXX ). This was attempted XXXX times from XXXX. 
I attempted to freeze my account at XXXX, however I didn't get through to Coinbase support for over XXXX minutes, while they drained my account ( originally I was told XXXX minutes ). I was not openly giving out any information with regards to emails or password. Coinbase did not recognize the fraudulent activity. They did not act swiftly to freeze my account for suspicious or unauthorized transactions.
Consumer complaint received 2018-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Someone used information to obtain XXXX XXXX XXXX   account # XXXX on XX/XX/XXXX, XXXXXXXX XXXX XXXX account XXXX on XX/XX/XXXX, XXXX XXXX account # XXXX on XX/XX/XXXX
Consumer complaint received 2018-05-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

my student loan was disbursed by my school to the wrong account at XXXX XXXX. over 15000 has just disappeared and I still have to pay it back. The bank said the school must contact them directly in order to send the money to the correct account. XXXX confirmed that they recived the money to account XXXX however the person has withdrawn it and frozen the account. I should either have that money refunded or not be responsible for it.
Consumer complaint received 2018-12-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc. (CA)

PURCHASE AUTHORIZED ON XX/XX/XXXX PP*GOOGLE VISUALBL XXXX CA XXXX CARD XXXX XX/XX/2018 - XXXX XXXX Posted XX/XX/2018 - Google Play Purchase Omission Civil Harassment - Judicial Misconducts ( CA, NM )
Consumer complaint received 2022-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I received a letter from chase bank that they are closing all my accounts with them based on " my connection to a publicly reported financial investigation '' They say they will close my XXXX  accounts with them on XX/XX/XXXX. 
on XX/XX/XXXX i was arrested and charged with a XXXX XXXX XXXX XXXX XXXX. This False charge was completely dismissed on XX/XX/XXXX. 

This also triggered a XXXX XXXX XXXX XXXX XXXX  on my business which resulted in a " minor administrative error '' and was closed out when the Federal Investigator saw that our records were perfect. My case number was XXXX the investigator was XXXX XXXX. Her phone number is XXXX. 

Since i can not speak to anyone at chase I want to give you all the facts that I can. If you need anymore backup please let me know. 

It is funny how dismissed accusations are never added to public records or the media. Both charges against me were dropped and now I'm getting dropped by my bank that I have all my bill pay with and my sons account tied to it for so many years. 

I have been with chase bank for at least 30 years and when I called to speak with someone about this they said the decision was made and there is no one to talk to and it can not be reversed. 

I really wish public records printed the results of investigations. 

please see all attached documents
Consumer complaint received 2022-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I noticed several accounts on my Trans Union credit report that does not belong to me XXXX XXXX XXXX XXXX.. XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX ... XXXX XXXX of 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 I noticed unauthorized inquiries on my credit report. Someone else applied using my name. According to the FCRA ( Fair Credit Reporting Act ) these unverified and unauthorized inquiries must be deleted : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Toy XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-03-05
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (AZ)

I went to XXXX XXXX XXXX with my puppy and rabbit in the car and went to leave and my car was gone. The tow truck driver saw my dog in the car and still took it. When I contacted him he was very rude and told me that I couldn't get my things out till Monday and if I didn't shut up and listen to him he would take my babies to the animal control. I owe XXXX on the title loan but at the time am having a very hard time because I have XXXX XXXX that are impeding into my life. ....