davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

I reviewed my credit report with Lexis Nexis. There is a public record listed on for a bankruptcy. I disputed this incorrect information and received a response stating the information obtain in my credit report was " verified as accurate. '' I contacted them to ask how this information was verified ; however, I have not received a response to that question. I mailed a letter to the court listed in my file and received a response from the United States Bankruptcy Court stating they do not report information to or remove information from the credit bureaus. In addition, my account with Lexis Nexis has a freeze placed on my account since XX/XX/2019. How was this information obtained and who verified this inaccurate information since the US Bankruptcy Court state they do not report anything to the credit bureaus. The US Bankruptcy Court is the only entity that can verify if this information is true and correct, and they state they do not provide information. I have made several calls and written letters disputing this public record and I am frustrated as I am getting nowhere.
Consumer complaint received 2021-11-12
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. (TX)

I reviewed my credit report with all three ( 3 ) bureaus ( XXXX, TransUnion and XXXX ). There is a public record listed on all three for a bankruptcy. I disputed this incorrect information with all three bureaus and received a response stating the information obtain in my credit report was " verified as accurate. '' I contacted the bureaus to ask how this information was verified ; however, I have not received a response to that question. I mailed a letter to the court listed in my file and received a response from the United States Bankruptcy Court stating they do not report information to or remove information from the credit bureaus. In addition, I also contacted XXXX XXXX a third party agency and they indicate a freeze has been on my account since XX/XX/XXXX, XXXX.How was this information obtained and who verified this inaccurate information since the US Bankruptcy Court state they do not report anything to the credit bureaus. The US Bankruptcy Court is the only entity that can verify if this information is true and correct, and they state they do not provide information. I have made several calls and written letters disputing this public record and I am frustrated as I am getting no where.
Consumer complaint received 2022-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX XXXX Account : XXXX XXXX Account : XXXX  XXXX Account : XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states that consumer reporting reporting agency can not furnish a account without mu written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-11-12
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. (RI)

Credit card company report of non payment to credit bureau due on XX/XX/2021 to drop 75 credit score points when in fact the account was so current there were new balance of {$0.00} and minimum payment of {$0.00} on XX/XX/2021 statement. I have called customer service and they admitted it was an error. To resolve this they can not do anything but ask me to file a complaint
Consumer complaint received 2023-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was a victim of a natural disaster that took place XX/XX/2023. I notified this company to get on a hardship plan. To my knowledge the plan took place that day. Months later I pulled my credit and noticed they were reporting late payments to the credit bureaus. I immediately made a payment to bring this account current. I then requested for the late payments to be updated to XXXX. The company reimbursed me for late payments but did not remove the late payments from my credit profiles. I have disputed this several times. I have sent in proof of the natural disaster and have still had no luck. I am currently looking to buy a house and the late reporting is really affecting me and my family. I am asking for the XXXX accounts late payments to be updated immediately. This is defamation of character. 15 U.S.C 1681 states that there should be no damages on my report because its defamation of character. Thanks in advance.
Consumer complaint received 2021-11-13
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. (GA)

On XX/XX/21 I received a notification of a XXXX XXXX inquiry that was fraudulent. Transunion would not allow me to dispute the fraudulent inquiry. I already have 3 XXXX XXXX accounts on my credit file and it is not logical for me to apply for another one. I am also in the process of closing on a home towards the end of XXXX and this inquiry could destroy my process.
Consumer complaint received 2021-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-05-19
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. (TX)

I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect and an authorized inquiries were reported. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. 

Personal Information : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX : XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

My name is XXXX XXXX and I am filing a credit card complaint against Citibank I have been a Citi Credit card holder since I am a XXXX back in XXXX, I used citi credit cards for the past 15 years, never miss any payment. However, on XX/XX/XXXX, I found all my credit cards are closed without any notification. I called Citi support immediately for three times, get transferred from one team to another and none of them can give me any reason for my account closure. They also can not help me to redeem my {$2000.00} cashback I earned over the years Citibank did not provide any solid justifications on why they are closing my account. 
It didn't made any attempts to contact me for any information, but simply decided to close my account. This practice is unusual and does not conform with industry standards and procedures carried out by all other banks. 

I hereby share my experience here to alert any other consumers like me that might be dumped by Citibank and I regretted so much for applying my first credit card 15 years ago. 

Sincerely XXXX XXXX
Consumer complaint received 2021-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX  Date Updated : XX/XX/XXXX
Consumer complaint received 2024-04-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

Over a year ago, I completed all required steps for identity verification with Coinbase, anticipating this would grant me full access to their services. Despite fulfilling every requirement and providing all necessary documentation promptly, my account verification remains incomplete to this day. 

Since completing the verification steps in about XXXX, XXXX, I have engaged in multiple attempts to address and resolve this delay with Coinbase. My most recent effort to seek clarity and assistance was on XX/XX/XXXX, which, like previous attempts, yielded no progress or resolution. Disturbingly, following my latest inquiry, I found my access to Coinbase 's customer support channels unexpectedly restricted, further limiting my ability to resolve this issue. 

This protracted delay and the subsequent restriction on my customer service access have significantly impacted my ability to utilize Coinbase 's platform effectively. It appears to me that this delay in completing the verification process, despite my compliance with all requirements, is intentional. The lack of communication and the decision to limit my access to support services have only compounded my concerns, leaving me with serious doubts about Coinbase 's commitment to customer service and transparency. 

Given the critical nature of timely access and management of assets within the volatile cryptocurrency market, this delay poses potential risks to my financial well-being. It is with these considerations in mind that I am compelled to seek the intervention of the Consumer Financial Protection Bureau ( CFPB ) to facilitate a resolution. My hope is that with your assistance, Coinbase will address and rectify the verification delay, restore my access to customer support, and allow me to engage fully with their platform once more.
Consumer complaint received 2024-04-02
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I moved out from The XXXX XXXX  on XX/XX/2023. When I moved out, the apartment complex made an accounting error, and marked my move out date as XX/XX/XXXX instead. It then showed that I owed a day of rent, which I did not. So when I moved out, the apartment complex showed that I owed XXXX dollars, and in reality, the apartment owes me XXXX. After communicating with the apartment over around half a year, they finally refund me the money. But I assume the debt collector was not informed, and I can not get a hold of the company. The debt company then put a major derogatory mark on my credit score.
Consumer complaint received 2023-01-13
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. (LA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : XXXX
Consumer complaint received 2023-10-03
Product: Credit reporting 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 a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CLGF Holdco 1, LLC (NC)

XX/XX/XXXX I received email saying payment is due. I dont use the credit card I sign into the account and notice it has fraud transactions from XXXX so I reached to indigo and explained the situation they said they would dispute and have to investigate that it wasnt me. It continue to show Im over my limit on my credit and it impacts my credit and credit score when explaining that to them they just apologize and say they looking into it
Consumer complaint received 2021-11-13
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: Experian Information Solutions Inc. (CA)

Hello. On XX/XX/2021 I made a payment of {$360.00} to XXXX XXXX to settle my debt with an old XXXX account. I was informed that this account, XXXX, and all negative remarks would be deleted from all three credit reporting bureaus : Experian, XXXX, and XXXX. Eleven months later, XX/XX/2021 the XXXX account is STILL on my reports. Much to my dismay, it showed up on a Tenant Screening process when I was trying to move. : ( I have contacted the original creditor, XXXX, several times, and each time I am told that they no longer have my account documents, that all documents were transferred to the collection agency, XXXX XXXX. 
Upon reaching out to Experian, XXXX, and XXXX, I was told that " The account was transferred to another agency, '' and that I need to contact them to remove it, which I did SERVERAL TIMES -- XXXX XXXX. 

On XX/XX/2021 I received a letter from XXXX XXXX stating that the XXXX  account will be deleted from all three credit bureaus : Experian, XXXX, and Experian. Yet, here it is XX/XX/XXXX, and it is STILL on my credit reports negatively effecting my credit score, and interfering with my plans to move. 

Please help me. 

XXXX XXXX XXXX
Consumer complaint received 2021-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST NATIONAL BANK OF OMAHA (NJ)

I contacted the credit card company and asked about my authorized users. I wanted to confirm who I had listed. And for some odd reason they tried to run my credit. I already have a credit card with them. I wasnt even adding a user I was simply verifying who I had listed. I contacted them immediately when I received an alert that they were running my credit. They sent me to multiple departments within their company. And I was told it would be removed within 10 days because I had not authorized them to access my credit. To this date it is still showing on my credit bureau from XX/XX/2021.
Consumer complaint received 2023-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Transunion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$450.00} XXXX XXXX XXXX XXXX : {$10000.00}
Consumer complaint received 2021-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MD)

Since I did finally get this month 's SS check transferred, I am still not Whole, I have lost so much since the beginning of XXXX. Both Banks have cost me my livelihood, my new employment for my son and I, not to mention the late fees and bills, borrow from family and friends just to live. I am asking not only for the XXXX that was stolen, but I am also asking for XXXX and Chase Bank to compensate me for my loss as well as my son 's. I do not believe XXXX dollars for XXXX and XXXX for Chase Bank is unreasonable, I have lost a lot more than that, I now have had to start paying back the loan that I took out for employment and move. This is so disgusting ; it is horrible how insured banks can destroy a person 's livelihood overnight.
Consumer complaint received 2021-11-12
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: EQUIFAX, INC. (WV)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2015-11-05
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (VA)

I need to explain to a person, the claim that I going to make, against specialized loan services, my second mortgage on my house, the way that they are treating me, and, I believe that they are doing to other people attached or dealing with this company.they already reported me to the credit bureau,3 times with no reason, and, when I spoke with a Manager, he told me that, it was my fault.
Consumer complaint received 2021-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

I have 15 hard inquires on my TransUnion that I didn't apply for.I need these removed A.S.A.P
Consumer complaint received 2023-03-03
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. (WA)

Equifax is knowingly reporting INCORRECT information on my credit report. 

The federal Fair Credit Reporting Act ( FCRA ) promotes the ACCURACY, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). Here is a summary of your major rights under the FCRA. For more information, including information about additional rights, go to www.consumerfinance.gov/learnmore or write to : Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX, Washington, DC XXXX. 

XXXX XXXX XXXX is being reported with a 30 day late on XX/XX/2022. 

THIS is incorrect and the creditor has sent in the information to them specifying that this was an INCORRECT report and should be updated with NO 30 DAY LATES. 

Please see attached paperwork from the creditor which is exactly the same form sent in to Equifax demanding a correction on my credit report.