davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-12
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. (AL)

I have submitted several disputes to Experian concerning items on my credit report. Each time, even after I re dispute it, it comes back within 3-4 days stating the lender certified to them this is accurate. I have even sent in disputes by mail asking for the contract of something where this information is accurate. I believe Experian is not a thoroughly investing my disputes, they are just going off the last dispute and closing them right out. Listed below, are the dates I disputed and also called to discuss these items : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX- called Experian to reopen dispute and express my dissatisfaction of how a lender can just say this is accurate, when in my letter I asked for this contract or something in writing confirming this was me.

XX/XX/XXXX, Mailed dispute XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-06-13
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. (IA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received alerts on my credit report. When I check my report I don't recognize the listed inquiries. 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
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XX/XX/XXXX XXXX CARDS XXXX XX/XX/XXXX XXXX CARDS XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2019-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Having bad credit XXXX XXXX I had a Transunion score of XXXX trying and aware of my credit situation dealer said he can help me telling him my situation he told me he would do a soft inquiry from there decide where to go..then I agreed. 

That soft inquire was a hard inquiry and went out to XXXX XXXX and XXXX XXXX and dropped my score -70points Im not a fool ... this salesman took total advantage of me This inquiry could stay on your report untilXXXX XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX This inquiry could stay on your report untilXXXX XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Consumer complaint received 2022-03-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MA)

On XX/XX/XXXX Coinbase issued a new user agreement for customers to sign in order to access its platform. Upon reviewing the user agreement, I declined to accept it and on XX/XX/XXXX submitted a support ticket stating I did not consent to its terms and requested my funds be sent to my linked bank account. Coinbase had stated via email- in response to the support ticket - that it would close the accounts of people who did not accept the agreement and transfer their funds off the platform. I contacted Coinbase multiple times by email and twice over the phone to resolve this issue and ask why my funds were still on the Coinbase platform ( which I have had XXXX access to since XX/XX/XXXX ). I have called twice - in the first call, I was told my case was being sent to the compliance team, and was told I could expect an email with an XXXX for the funds to arrive in my bank account. I verified my bank 's checking account details with the representative in order to ensure the transfer would be processed correctly. When this did not occur, I called again and was told that the compliance team is not available by phone and the customer support representative was unable to provide me with any information on my case.The phone calls occurred on XXXX ( XXXX minutes ) and XXXX ( XXXX minutes ). I am concerned that Coinbase has no intention of returning my funds to me. At the time of this writing the funds total approximately {$9000.00} across the various Coinbase platforms ( Coinbase Pro, Wallet, etc ). I received email replies on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, and today ( XXXX ) and this issue is still not being resolved.
Consumer complaint received 2018-08-12
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: RFNA, LP (LA)

I began receiving calls and notices from XXXX XXXX a company located in XXXX Louisiana approximately 8 years ago. The claimed that I had taken a loan out with them in which I had never did. I requested numerous times for them to provide to me paperwork of this loan showing my ID or my signature which I never got. Since then they have been reporting this to the credit bureau which has caused my credit score to suffer drastically. I recently received a XXXX from them for this year which I did not file on my taxes because this has never been my debt.
Consumer complaint received 2022-02-06
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. (NY)

THIS COMPANY IS A PIECE OF XXXX FROM XXXX TO XXXX I WAS IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAD THIS COMPANY IS MARKING MY PAYMENTS LATE WHEN THEY KNEW I WAS AFFEECTED DIRECTLY BY PANDEMEIC I DEMAND THESE ITEMS REPAIRED XX/XX/21 AND XX/XX/21 THESE PAYMENTS WERE AFFECTED BY PANDEMIC I SENT PROOF OF HOSPITALIZATION AND I SENT PROOF THAT I COULD NOT POSSIBLEY SPEAK OR WALK OR WORK IN ADDITION I PAID XXXX SO THESE IDIOTS NEED TO FIX IT THIS IS MY XXXX TIME COMPLAINING THEY IGNORE YOU AND THEY IGNORE ME I AM FINDING AN ATTORNEY TO SUE XXXX THEY ARE ALL FOREIGNERS AND DO NOT CARE ABOUT CONSUMERS. THIS COMPANY IS FRAUDULENT IN ITS PRACTICIES AND NEEDS TO BE HELD ACCOUNTABLE. I DEMAND MY CREDIT REPORT FIXED THE CREDIT CARE ACT SAYS I CAN NOT BE PUNISHED FOR BEING SICK REMOVE ALL NEGS NOW ITS SUPPOSE TO REPORT ON TIME AS REQUIRED BY CARE ACT
Consumer complaint received 2022-03-09
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. (MO)

This complaint to TransUnion result of their non-compliance to my request and for their refusal of getting the accounts and inquiries, listed below, to be removed or corrected from my credit reports. However, that complaint was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these accounts and inquiries or have TransUnion get back to me with regards to the issue. Here are the accounts and inquries that concern me : XXXX XXXX XXXX XXXX Balance {$23000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$14000.00} XXXX XXXX XXXX XXXX XXXX Balance {$3900.00} SET XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$2700.00} XXXX XXXX XXXX XXXX Balance {$15000.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX  - CPO Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry Date 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-16
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: UHG, LLC (SC)

My Identity was stolen and someone went Online and obtained a Payday Loan in My name with all my information. A civil Division for UHG I, LLC is going through the XXXX XXXX Magistrate Court to Collect from me. I have never obtained a Pay Day Loan in the amount of the {$1900.00} on XX/XX/XXXX. A complaint was filed C/A : XXXX UHG I, LLC, V.S. XXXX XXXX XXXX. I have consulted with two Attorney 's and was advised to contact this agency to Report Fraud to the FTC. On XX/XX/XXXX a Hearing was scheduled, and I requested to Mrs. XXXX XXXX, XXXX XXXX, receptionist to reschedule a week prior. On XX/XX/XXXX I was involved in an XXXX XXXX and my vehicle was totaled. I received a call from the Courts that I expected to be there the court Date was never changed, and from the looks of the evidence of UHGI, LLC The Loan was Mind. This Loan was opened Online, and I feel I am under XXXX to be accused of a Loan I am not Responsible for VIA NETWORK OF A COMPUTOR. A request for this Loan was made using an account on XXXX XXXX with account number XXXX. I have researched all my Closed Bank Accounts do to my Identity being compromised, and Have can not obtain any information linking me to this Account number.
Consumer complaint received 2022-10-14
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. (CO)

On XX/XX/2022, I sent a letter to Transunion to investigate an inaccurate and incomplete account they are reporting. They updated only a portion of what was outdated. I followed up with a letter on XX/XX/2022 requesting that they re-investigate and update the payment status to paid. They still have not corrected this. 
The account is closed and was paid in full. They are reporting a payment status as 120 Days past due, which is inaccurate since the account is paid in full and closed I have included both of my letters and a copy of my credit report showing the inaccurate information.
Consumer complaint received 2022-02-06
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 COMPANY IS A PIECE OF XXXX FROM XXXX TO XXXX I WAS IN HOSPITAL FIGHTING FOR MY LIFE IWHT THE XXXX XXXX NAD THIS COMPANY IS MARKING MY PAYMENTS LATE WHEN THEY KNEW I WAS AFFEECTED DIRECTLY BY PANDEMEIC I DEMAND THESE ITEMS REPAIRED XX/XX/21 AND XX/XX/21 THESE PAYMENTS WERE AFFECTED BY PANDEMIC I SENT PROOF OF HOSPITALIZATION AND I SENT PROOF THAT I COULD NOT POSSIBLEY SPEAK OR WALK OR WORK IN ADDITION I PAID XXXX SO THESE XXXX NEED TO FIX IT THIS IS MY 9TH TIME COMPLAINING THEY IGNORE YOU AND THEY IGNORE ME I AM FINDING AN ATTORNEY TO SUE XXXX THEY ARE ALL XXXX  AND DO NOT CARE ABOUT CONSUMERS. THIS COMPANY IS FRAUDULENT IN ITS PRACTICIES AND NEEDS TO BE HELD ACCOUNTABLE. I DEMAND MY CREDIT REPORT FIXED THE CREDIT CARE ACT SAYS I CAN NOT BE PUNISHED FOR BEING SICK REMOVE ALL NEGS NOW ITS SUPPOSE TO REPORT ON TIME AS REQUIRED BY CARE ACT
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

.By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. In accordance with the rigorous liability standard of the FCRA, culpability against a CRA can only be established for a single violation. At present, I have no intention of initiating legal proceedings against your agency ; however, I would appreciate it if you could rectify the error that appears in my consumer report. If this erroneous information persists, I will be compelled to resolve the situation independently.
Consumer complaint received 2022-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX XXXX said she received my check, check # XXXX, for {$1000.00} that was dated for XX/XX/XXXX. Note the year of the check ( XXXX ). She mentioned that she tried to deposit the check to her bank and the bank would not allow her to deposit it. 

On XX/XX/XXXX, I asked her to send me back the original check, check # XXXX, and I sent her a replacement check, check # XXXX, for the same amount, {$1000.00}. She never sent me check # XXXX. I had already sent check # XXXX. 

About a month later on XX/XX/XXXX, XXXX deposited the original check, check # XXXX, dated XX/XX/XXXX to Wells Fargo Bank. It cleared. 

On XX/XX/XXXX as soon as I saw this transaction, I immediately called Wells Fargo Bank to do a stop payment on check # XXXX, the replacement check, and Wells Fargo Bank charged me a stop payment fee. 

About 10 months passed and on the morning of XX/XX/XXXX, I saw I had a negative balance on my checking account. XXXX had deposited check # XXXX, the same check I asked Wells Fargo bank to place a stop payment on, on XX/XX/XXXX. Wells Fargo did not place a stop payment on check # XXXX. XXXX lied about the original check # XXXX not being honored by the bank instead she deposited it on XX/XX/XXXX. She is now also in fraudulent possession of check # XXXX. She refused to return the replacement check back to me ( which should have already been stopped by Wells Fargo ) and deposited it 10 months later. And here I am on XX/XX/XXXX with a negative balance in my checking account. At this point, I saw the check is still in progress of being cleared by the bank so I call Wells Fargo Bank to immediately stop payment and I told the person I spoke with the whole story. I also told the person that I did not have sufficient funds to cover the replacement check, check # XXXX, for {$1000.00}. The person did not initiate the stop payment and also told me that I need to put enough funds in the account to cover the {$1000.00}. That morning, I deposited {$800.00} to avoid a negative balance. 

On XX/XX/XXXX, I called Wells Fargo again telling them the story, that check # XXXX is a check that has been fraudulently obtained. To make this even more clear, the section where the check issuer writes what the check is for, I wrote, replace check XXXX on the line. XXXX actually altered the check by crossing the words out. 

I believe Wells Fargo made 3 mistakes : 1 ) Wells Fargo should not have accepted a check dated for XXXX on XX/XX/XXXX. 
2 ) I placed a stop payment on check # XXXX on XX/XX/XXXX. The stop payment was never effective. I also called on XX/XX/XXXX to warn Wells Fargo that check # XXXX was just deposited and fraudulently obtained, however Wells Fargo continued to let the check clear. 
3 ) On XX/XX/XXXX early morning, I did not have sufficient funds to cover check # XXXX. Wells Fargo could have returned check # XXXX and said there were no sufficient funds. I also told Wells Fargo, 10 months ago that check # XXXX should not be honored in any way.
Consumer complaint received 2022-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (MD)

My complaint is with US Bank Visa and XXXX XXXX, XXXX 
I placed an order for windows in XXXX of XXXX ' with a deposit on my US bank visa for {$3900.00}, a balance of {$7900.00} was due at installation completion and signoff. 
In XXXX of XXXX, the installation, and cleanup began, but was never completed and signoff never happen. The lead rep on the job was supposed to return to bring screens and complete a walk through and signoff, which never occurred. We found a damaged window and a need for screens on two windows to be added to complete installation. 
The lead rep never returned and the only indication that i had that the job was complete from their perspective was an unauthorized charge to my credit card. This was deemed to be illegal from all sources i managed to check, including US bank reps. 

I have tried to contact the merchant, who did not have my authorization to charge my card, with a supervisor from the credit card company. I left a message with the merchants answering service, which was recorded by the US bank, which i never received a reply. 

I have been working with US Bank since XXXX, which is when i noticed the charge on my credit card statement. I have made XXXX calls to the credit card company over XXXX months without success. I was told that because i did not respond timely to an inquiry they made, which i never received, that the case was closed and could not be revisited period. Later i was told by a supervisor that this was not completely accurate ...... 

My complaint is the following, with both the bank and the merchant : how can you charge my account without my authorization? This is a question that the bank could have answered on day one, but they have not, so if i had an oversight of a call, which i have not, they should have been able to answer this question on my initial inquiry. Why has the merchant not been contacted to see why they charged the account without authorization? Had they bothered, i am certain the transaction would have been resolved by now. Since the merchant and i both are paying for the bank 's service, why are we not treated equally with this transaction? Am I not able to get a hearing from the credit card company? Finally, the credit card company told me, which I still did not get an answer to my original question of why, but told me that i could claim a lesser amount to dispute because part of the job was completed. I did not agree, but i capitulated in an attempt to bring closure, but this too failed as the bank never responded to this solution either, which they suggested. Final complaint, they charged me interest on a dispute, which they claimed to restore, but the never did. Why am i paying interest on a dispute?? 

I can provide bills, contracts, account numbers and statements at your request
Consumer complaint received 2022-03-09
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. (MI)

This complaint to Equifax result of their non-compliance to my request and for their refusal of getting the accounts and inquiry, listed below, to be removed or corrected from my credit reports. However, that complaint was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these accounts and inquiry or have Equifax get back to me with regards to the issue. Here are the accounts and inquiry that concern me : XXXX XXXX CRE XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$16000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance {$14000.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Inquired on XX/XX/2020 XXXX
Consumer complaint received 2022-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (PA)

XX/XX/XXXX, I saw a charge of {$260.00} from Midland Credit Management. I called Midland Credit Management and the person on the phone said a personal check had been written to XXXXXXXX XXXX on XX/XX/XXXX to purchase a XXXXXXXX XXXX  that was used for 6 years when payment on the card stopped. Previous balance on the XXXXXXXX XXXX statement is {$87.00}. The original account number from XXXXXXXX XXXX is XXXX. Date of charge off was XX/XX/XXXX. Current Servicer is Midland Credit Manageent , Inc. Date purchased XX/XX/XXXX. The letter from XXXXXXXX XXXX is addressed at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I have never had an account with XXXXXXXX XXXX and I never had a XXXX XXXX. This a fraud and identify theft. Thank you for our attention to this matter.
Consumer complaint received 2022-02-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC (TX)

Purchase the XXXX XXXX from Carvana in XX/XX/XXXX as of XX/XX/XXXX of XXXX today the vehicle that Carvana /XXXX  repossessed I still have yet to receive registration for the vehicle the vehicle just have been sitting in my driveway since XXXX from the time I purchased it with no plates allowing me to drive the vehicle in XX/XX/XXXX when the vehicle was repossessed no one has been in communications with me about anything Carvana XXXX XXXX XXXX they repossess the vehicle and now making me liable for {$25000.00} for a vehicle that I never was able to drive due to their lack of properly filing paperwork and properly communicating with me the buyer