davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi, I am writing to figure out how to resolve my terrible situation. The point that I found some items that do not belong to me. I do not know them, I do not recognize them. I thing its a mistake in reporting or identity theft. Once there was a situation when somebody used my personal information so I guess therefore I have fraud accounts actually. Could you please explain to me what should I do?! How I can dispute them or could you please delete these accounts from my profile?
Consumer complaint received 2022-07-09
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)

I recently sent XXXX, XXXX, And TransUnion Disputes and Neither of them responded to my request which forced me to send them a 30 day demand to comply and they have not still shown any acknowledgment of me contacting them I have attached the letters I recently sent to the companies for reporting inaccurate information in my credit report and not removing the inaccurate information.
Consumer complaint received 2022-04-25
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: Resurgent Capital Services L.P. (FL)

In accordance with the fair credit reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 604 States I have the right to privacy.

15 USC 1681 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on credit card under an open nd consumer credit plan as late for purpose
Consumer complaint received 2023-03-17
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. (NC)

This is my XXXX endeavor to tell you 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.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

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 15USC 1681. XXXX Account : XXXX which was removed from my report a account that has made me open to possible fraud that didn't belong to me. XXXX XXXX and XXXX XXXX are also reporting the address XXXX XXXX XXXX XXXX, GA XXXX also address XXXX XXXX XXXX XXXX, FL XXXX. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2018-09-05
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. (MI)

I am writing in regards to a mortgage payment that was reported as 30 days or more late on my credit report. The payment was due on XX/XX/XXXX. The payment was made online, during regular business hours, on XX/XX/XXXX. However, the payment was reported as more than 30 days late on my credit report, which is negatively affecting my credit report. I attempted to contact XXXX XXXX XXXX by phone to discuss this situation and was told that I have to put my concern in writing. I emailed my concern to the email address provided on XX/XX/XXXX ; with no response. Is it legal for this company to incorrectly report the payment date?
Consumer complaint received 2021-07-16
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. (AL)

In XXXX and XXXX of 2021 I filed a dispute with Experian, XXXX  and XXXX  credit bureau about the inaccurate reporting of accounts on my credit profile XXXX XXXX and XXXX XXXX!. In these 2 months I have not received a notice in over 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today which is a non-compliance of the FCRA. Thank you
Consumer complaint received 2021-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I applied for the XXXX card by Capital One since I was lead there by an advertisement stating new cardholders would receive a XXXX $ bonus if they spent XXXX $ within the first three months of opening the card. I clicked apply, still have a picture of the same advertisement, and got a response stating to confirm the terms to my new XXXX card. I proceeded to spend over XXXX $ in the first month alone. Come to find out I did receive the XXXX card, but this was a special XXXX card. The only difference is that there is no signup bonus, the only reason I got the card in the first place. They say the terms I agreed to was a " counteroffer '' with a special XXXX card without this bonus. The advertisement, which is still on their website, was a misleading tactic to get me to go to this company without giving me anything in return. There are hundreds of credit card companies out there, all of which with some signup bonus, and there is no reason they should expect someone applying for this bonus to have any need for the card without it. I feel completely taken advantage of by misleading advertising tactics. After talking to 4 different people and a process of being hung up on and put on hold for a total amount of time of 2 hours, they said they couldn't give me a single reason as to why I did not qualify for the bonus. What is wrong with me that I get the XXXX card, except I don't get the signup bonus, which was the only reason I wanted the card. They said they can not put in a request to review this information.
Consumer complaint received 2019-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (NY)

Refinance loan was done through this lender and the lender never paid the old bank with the pay off amount. so therefore now there is 2 loans showing on my name, where the 1st one should've have been paid off by this lender when i did the refinance.
Consumer complaint received 2019-09-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

They call my phone at least six times a day from multiple phone numbers. I block these numbers all the time but I am being harassed. I lose sleep and at times it distracts me from my job how frequently they call. I am thinking about taking legal action so I can have peace.
Consumer complaint received 2019-09-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (VA)

Starting XX/XX/2019, Coinbase locked my account and wanted me to verify my identity again with my new telephone number. Since then, I contacted them for help 12 times : via website 2 times, XXXX direct message 5 times, and by follow-up emails 5 times on XX/XX/XXXX, XXXX, XXXX and XXXX. All attempts at contact, and acknowledgment of identity verification are attached. 

Their system asked for a selfie and my driver 's license and a new dummy account, which I created and told them I had done so on XX/XX/2019, and then it ghosted me. I have not received any reply saying when I can expect access to my account again. I have simply gotten robot replies at best. 

I have about {$15000.00} of cryptocurrency and cash in that account that they are sitting on and that I was trying to get out from their system when this happened. It is almost as if Coinbase is keeping it for themselves. Are they stealing my money or identity? It should not take this long to correct a phone number. Frankly, their process appears almost criminal. Right now, I am in a state of consternation. I feel like I have had my money stolen from me, and my previous good impression of Coinbase has gone.
Consumer complaint received 2019-09-12
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ONLINE Information Services, Inc. (FL)

Hello, I made a payment to this collections agency on XX/XX/XXXX and they still haven't taken me out of collections. This is affecting my life. I called them many times but they didn't take any action. Today, I called them again and they said " NO, we will not remove it ''. They just don't care. They are uneducated people who ruin people 's lives and who don't even care. They don't even follow the process and don't care about law. When I tried to explain that this is NOT the process and they need to remove it from my credit, a woman named XXXX said no, she will not and she hanged up the phone on me. This is an awful company who hired the worst people with no education, no communication skills and no empathy. I am fed up with these people and this company. An electric company should not have worked with such terrible company! 

Regards, XXXX
Consumer complaint received 2019-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Already placed an complaint by phone with your office. However a repeat of what is going on is : Transunion do not have my credit score or credit history for me to view in order to place disputes. Upon calling Transunion Dispute Dept. I was redirected to what they call the special fraud dept unit. Upon speaking with them I could not verify my own information for them to release my credit score or history of my credit, because they say they can not verify my information to open my account. Transunion acknowledge that there has been some identity fraud as to why they can not verify the the right information. Bottom line they can not give me my score or my credit history and that was that. Now I should not be block from my own credit and the final deal is Transunion is selling me this : I can not verify then its nothing they can do. 

Besides filing a complaint with Consumer Financial Protection Bureau, I will wait the process from which you will receive from contacting them, and if Transunion have not fixed this violation of blocking me from my own credit I will be filing sue with my lawyer. 

I am in the process of straightening up my credit with the other 2 Bureaus with no problem, because I am attempting to buy a house and Transunion is holding me up with their unprofessionalism of how to handle identity theft. Surly is not to block me from my own credit and can not disputes items if I can not view the items to dispute and can not get in from the questions they use to verify who I am. 

This need to fixed ASAP.
Consumer complaint received 2019-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/XXXX, I charged {$44.00} and {$14.00} at XXXX XXXX. the first of XXXX, I noticed the two unidentified charge one for {$100.00} at XXXX and one for {$100.00} at XXXX. I immediately contacted American Express and reported the activity. That contact was XX/XX/XXXX, or later. I was told that they identified it as fraud and 30 days they will correct my account. They removed the {$100.00} from XXXX, but not XXXX. They also replaced my credit card. on XX/XX/XXXX, I noticed that the XXXX {$100.00} charge was on my and and I contacted American Express. On XX/XX/XXXX, they credited my account with the {$100.00} from XXXX. On XX/XX/XXXX, American Express reapplied the XXXX charge and indicated that XXXX provide an unsigned receipt to show prove that the purchase was made, despite the fact that while the charge was being made, I was at home on the phone with American Express reporting it. Every month since this charge I contacted American Express and on XX/XX/XXXX, XXXX indicated that after looking at the charge, they mislabeled it as a dispute and not a fraud and she will fix it in 30 days. She provided me with a ref : # XXXX. On XX/XX/XXXX, I spoke with American Express Fraud Rep. XXXX and she told me that they will not be able to help clear up there mistake.
Consumer complaint received 2018-09-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Equitable Acceptance Corp (NC)

I'm sure, I am not the only person. But seek help through student advocate, which in- return set me up with equitable acceptance. I have been paying for a year and have only paid XXXX off on a " 24 month '' plan. 

Account History Amount Financed : {$1300.00} Contract Balance : {$1000.00} PDF Show entriesSearch : Date Description Amount Balance XX/XX/XXXX Interest Due {$16.00} {$1000.00} XX/XX/XXXX PAYMENT $ ( XXXX ) {$1000.00} XX/XX/XXXX Interest Due {$16.00} {$1000.00} XX/XX/XXXX PAYMENT $ ( XXXX ) {$1000.00} XX/XX/XXXX Interest Due {$17.00} {$1100.00} XX/XX/XXXX PAYMENT $ ( XXXX ) {$1100.00} XX/XX/XXXX Interest Due {$17.00} {$1100.00} XX/XX/XXXX PAYMENT $ ( XXXX ) {$1100.00} XX/XX/XXXX Interest Due {$18.00} {$1100.00} XX/XX/XXXX PAYMENT $ ( XXXX ) {$1100.00} And to find out that nothing has went to student loans and my student loans have actually went up {$600.00}
Consumer complaint received 2021-07-16
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. (GA)

I wrote the company letting them know to verify a public record that is on my credit report. They claim to have verified the information with the provider of the information, which they listed on my credit report as the contact if I had any issues. The provider of Information is the United States Bankruptcy Court. I contacted them with my concerns and they said noone has contacted them to challenge my records made public by the court. They said whatever information the company has, did not come from them. They did say if any information is incorrect or challenged, that an action should be filed so the information can be evaluated. They said that has not happen and they sent me a letter stating that. I contacted equifax and the agent would not provide me with the method of verification and I am entitled to it according to FCRA laws. I know that my report is incomplete with equifax reporting that the court is the provider of information. Whoever is providing the information is not on my report so that I can challenge them, also the provider of information is not the original provider which is against the law, due to them providing conflicting information and causing a consumer not being able to have equal credit opportunities.
Consumer complaint received 2018-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2018 I wrote to Experian to have them update/correct my personal information that they have on file. As of XX/XX/2018 they refuse to remove incorrect information from the files they have on me. This is a clear violation of the FCRAs. These same false address are still appearing on my file as of XX/XX/2018. Please have Experian remove these addresses ASAP. 


Again please have them remove all other addresses and names other than stated above.
Consumer complaint received 2023-03-17
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. (AR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-17
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX  XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX, XXXX XXXX Balance : {$150.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$880.00}, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$230.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-03-17
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. (GA)

Credit reporting agency removed a previously disputed collection account from my file on or bewteen XX/XX/XXXX and XX/XX/XXXX. They then re-added it back to my credit file on XX/XX/XXXX. In the dispute, I asked for the original agreement from the creditor, an itemized list of what I allegedly owe, and a description of the investigation process. The credit bureau did not provide me with any of this information, so the file was removed from my report. Now that the file has been reinserted, I was not provided with a notice of reinsertion from the credit reporting agency about this account within 5 business days- which is, according to the FCRA, a serious violation. I was never provided with any communication from the credit reporting agency.
Consumer complaint received 2020-11-06
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: Experian Information Solutions Inc. (MO)

The following inquiries are not mines, both unknown and unauthorized. Please remove them immediately. 

1. XXXX XXXX ( XXXX ) 2. XXXX XXXX XXXX ( XXXX ) 3. XXXX XXXX XXXX  ( XXXX ) 4. XXXX XXXXXXXX XXXX ( XXXX ) 5. XXXX ( XXXX ) 6. XXXX XXXX ( XXXX )
Consumer complaint received 2018-12-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (VA)

I paid Western Union {$240.00} on XX/XX/2018 for a transfer of {$210.00} to XXXX, XXXX. When my fiance tried to collect, she was denied, without even being given an explanation. The tracking number is XXXX. When I went back to the place of purchase, they called Western Union and told me that I had to send an e-mail with the tracking number and a picture of the identification, current address, and place of birth. after collecting this information from the recipient, I sent the email. after 2 days I still had not heard back from them so I called their customer service. I spent most of the day on the phone with them, being transferred back and forth. I repeatedly asked to speak to a supervisor and each time I was transferred to a line that just rang continually with no response. The last time I called, my tracking number was not even recognized, nor was the phone number that is associated with the transaction, ( yes I entered the right number, I did it twice ). Western Union has taken my money 6 days ago, and when I tried to get it back, was told that I could not get a refund. As I write this, it is Friday, XX/XX/XXXX. So not only have I been defrauded, but this has also ruined XXXX because they told me that this could not be resolved for many business days.
Consumer complaint received 2020-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2020 I submitted disputes with all 3 credit bureaus, I have yet to received anything from them. I understand covid is going but this has been 2 months now and NOTHING. My understanding is they have 30 days NOT 60 is this unacceptable.