davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I have been monitoring my credit report with Transunion only for about 3 months. I had an identity theft a few years ago and it was never resolved. I was forced into a bankruptcy in 2015. I have been working very hard to get my credit repaired, but Transunion seems to be very careless about what they put on a person 's report. They have multiple inaccuracies, first, I have an auto loan with XXXX XXXX XXXX. I am showing as about 6 months late payments. This loan is in litigation with the XXXX XXXX XXXX for harassing collection calls made to me when my payments were not late. Since the attorney took this case, XXXX has mailed me back every payment I have sent them. They will not talk to me at all about the account, saying that everything is on hold pending the resolution of this. They will not make this known to Transunion. 
Also, I have disputed several times collection accounts that have appeared on the report. These are not my accounts. They will not remove them. I also have some medical collections which should not be there, as to my knowledge, my insurance covered. I was told by the doctor that I have no copay and did not owe anything, yet these remain. 
Today I received a notice that a new collection went on, but I can not find it. It took 80 points from my score. 
The only item new is the report showing that I used my credit card. 
The other issue is that I want an explanation as to why a credit score determines what you have to pay for Car Insurance, House Insurance, Life Insurance, and whether you can have a bank account. This is OUTRAGEOUS! There is NO VALID reason why this should be as it is. 
These Credit Reporting Bureaus should be ABOLISHED!! They are causing untold destruction to people who have had things happen that are NOT in their CONTROL!
Consumer complaint received 2023-03-27
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. (TX)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX  XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX Account number : XXXX, has violated my rights.

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-11-27
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I and my wife who is now deceased as of XX/XX/2016 applied for a second mortgage and was accepted by Bank of America at 11 % Because of high interest at that time we accepted the Loan. I am XXXX years old with social security and civil service pensions, Since my wife is deceased I no longer have her income to make payments. I recently applied to Bank of America at XXXX XXXX XXXX XXXX FL XXXX, XXXX for a loan modification to reduce my interest rate and payments, and was refused. I believe that the reason that the bank refused was that I am XXXX XXXX with a postal address in a city of predominant XXXX population. My Post Office zip code is XXXX XXXX XXXX IL, although my home is physically located in XXXX Illinois. I believe that all of the homes located in XXXX XXXX XXXX are appraised below their actual value because of XXXX occupancy. I am a veteran with service twice and am XXXX  XXXX XXXX XXXXXXXX.
Consumer complaint received 2022-02-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo is currently one of the larger banks that are still charging over draft fees. I have tried to get assistance in the past and they help out with a portion of the fee. They don't assist if you have needed assistance before. For the month of XXXX I have received 9 Overdraft fees. They charge {$35.00} per over draft. Some of the charges were less than {$35.00}. On XX/XX/XXXX, they charged me 3 overdraft fees for the same restaurant. The restaurant was supposed to run it as one ticket. But prior to going to the restaurant the money was there. When Wells Fargo decides to pay merchants they do an algorithm that seems unfair. I am just concerned that I have been a customer with them for over 19 years and they can't do anything to assist. When my paycheck deposits to the bank account on XX/XX/XXXX. I will literally have no funds. Since I have {$310.00} worth of overdrafts. This will make it harder for in the upcoming weeks trying to provide for my family waiting on another 2 weeks to be paid. I don't want to cut off the overdraft protection because I need it. But there has got to be something that can be done about banks that still charging the overdraft fee. Maybe not making it {$35.00} or limiting the amount of overdraft fees you can get in one day. I am begging at this point to get some help with these fees. I didn't want to lodge this complaint but I don't know what else to do. I am getting no where when calling in Wells Fargo. They have been great to me as far as customer service. But I really need some help. Please help with these overdraft fees.
Consumer complaint received 2021-07-13
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: Resurgent Capital Services L.P. (TX)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-07-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (TX)

On Saturday, XX/XX/2021 I purchased a preowned car and put down {$3.00} grand. The dealership worked with XXXX XXXX to get my account and running and the first payment of {$220.00} was to be made on XX/XX/XXXX. 

Now, when looking at the car, the engine light was on and the salesman said they would get that taken care of. I wasn't aware of the major mechanical issues it had. After taking it to XXXX the next day the car overheated and was smoking. The car ended up having a major gas valve leak. I tried taking it to shops to get it fixed but they said the car was unfixable because the previous owner didn't take care of it. 

I let the dealership know and they worked with me to get a trade-in on XX/XX/2021. That day I mentioned to them that the other car was still on the bank and they told me and my parents to not worry about or take the bank calls because they will pay off the car. 

Two months and they still have not paid. They are even trying to resell the car. And my father has been dealing with them this whole time to get them to pay for the car. On XX/XX/XXXX my father went to figure out what's going on and that day the finance worker made a check to pay for the car. 

The bank called me again on XX/XX/XXXX, I told them the same situation and let them know that the dealership sent a check to them. The worker told me he'll leave a note. 

Fast forward to Monday, XX/XX/XXXX. Bank called again they told me they have not received any check. And this time they told me if I don't pay anything they will have the credit bureau on my credit account. 

Now, I've been in contact with the bank and told them the situation and they keep telling me I still need to pay the amount. They call me at least 6 times a day. They don't ask where the car is or anything. They know I got a trade-in and that the other car is no good. It's considered a " Lemon Car '' so I'm surprised they're not trying to find where the car is or anything since technically that bank owns it. 

I'm also going to file a complaint against the dealership. I was advised by the Consumer Financial Protection Bureau that it's best to file the complaint against the dealership with the Federal Trade Commission.
Consumer complaint received 2021-07-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

RE : XXXX CARD XXXX Never late on this account. Paid as agreed. On time. 

Over thirty days ago, I wrote to Credit Bureau my disputing letter for account above. As of todays date, Credit Bureau has not responded to my dispute and therefore must remove from my credit file all information disputed in my correspondence. 
Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of disputed information within 30 days. This XXXX mark has come and gone without any response from your office. 
I am requesting your assistance in the verification of the removal of the disputed data from my credit report. Please send to my address provided above an updated credit report at no cost to me as proof that these items have been removed. 

Thank you for your attention to this matter. I await response.
Consumer complaint received 2022-07-27
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. (FL)

This is the fourth time I have contacted your company and you have still failed to delete the disputed accounts your company could not verify. After this letter, be advised that I intend to pursue litigation for the damages your company has brought to me and my family. Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 2 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law. The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. Thats all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ). I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law! The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. Just remember when we go to litigation and your company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. So once again, please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately, which I am sure you are already aware of. You failed to verify & validate all data for the following accounts, please remove IMMEDIATELY : Account Name : XXXX XXXX XXXX, Account Number : XXXX ; Account Name : XXXX XXXX, Account Number : XXXX ; and Account Name : XXXX, Account Number : XXXX Reason : pls verify and validate all data for these accounts, every notation, dates, and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account, and the collector needs to prove that this debt can survive collection, that they own this debt and the extent to which they can collect this debt and that all their details match the original creditor. Without it, must be removed.
Consumer complaint received 2022-02-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CO)

Coinbase took money from my bank account but did not deliver the purchased cryptocurrency. My account was under the email : XXXX email from : Fri, XX/XX/2017, XXXX PM states : Your purchase for {$4600.00} USD of ETH has started Your funds will be available by XX/XX/2017 However, the funds were never accessible. I could not trade them, sell them, or transfer them. Coinbase has since closed my account and I have no access to them. 


The transaction details are : Amount XXXX XXXX XXXX rate @ {$300.00} / XXXX XXXX {$4500.00} Fee {$68.00} Total {$4600.00}
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please remove the accounts as this account is inaccurate and this must be remove as soon as possible as it based on FCRA 605B, accounts that are inaccurate must be removed off a customers credit report
Consumer complaint received 2022-04-06
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. (CA)

I would like to dispute certain information in my file which I believe is possibly Identity theft. This account was opened fraudulently therefore I am a victim of identity theft. The account was opened without my knowledge, consent, or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. This is a strict violation of FCRA Section 605b. Equifax needs to remove the account from my file. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, OH XXXX please delete remove any other address they are not mine : XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, OH XXXX please delete remove any other address they are not mine : XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX
Consumer complaint received 2018-11-27
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/2018, I received a notification from XXXX, an OMP cyber incident monitoring service which identifies possible fraudulent activities on one or  more credit reports. According to XXXX, on XX/XX/2018, someone reported use of an incorrect address ( XXXX, MD XXXX ) on my credit report. XXXX does not show the entire address but instructed the consumer to reach out to the credit reporting agencies to obtain said information and dispute any inaccurate information on report. 

On XX/XX/2018, I immediately reached out to Equifax to find out who reported this incorrect address, how it was reported, and a complete address to dispute. 

Equifax refused to provide this information or allow the consumer to dispute the inaccurate information contained in the consumer credit report with full knowledge if someone tried to report a new address most likely will attempt to commit a frauduent act. 

Under the FCRA the consumer is entitled to this information and afforded an opoortunity to dispute and have this information removed from my credit report. In addition, the consumer should be allowed to have said incorrect address immediately removed prior to any attempt of fradulent activities and should not have to place a fraud alert on their consumer report which is a major inconvience if the consumer in the process of obtaining additional lines of credit.
Consumer complaint received 2022-07-27
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX {$54000.00}
Consumer complaint received 2018-05-24
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. (TN)

Submitted complaint about credit score dropping 100 points for no discernible reason. Received mumbo jumbo response from Equifax and XXXX basically stating it is a secret formula they apply and not an intelligent answer that answers th e question. I want a response in the English language why my credit score has dropped that huge amount. Have reviewed credit report that XXXX sent and it has not changed. Equifax did not even send credit report to review. This is ridiculous. I complain. I want an answer.
Consumer complaint received 2022-07-27
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: CITIBANK, N.A. (NY)

I ordered a camera from XXXX XXXX XXXX XXXX in XXXX. It was delivered to a wrong address by XXXX, I have the email that shows wrong address. Then the next day XXXX says they delivered it to me and I signed for it but nothing ever came here and I signed nothing. They can check the signature is not mine. I told the company about it and they said to contact my credit card to file a chargeback, so I did. They never asked for any proof when creating it. Then they closed it 60 days later saying I never sent any proof in ( after the merchant took forever to respond ). Then the same day I sent the proof to an email their chat agent gave me. Citi reopened the dispute. Then a long time goes by, and they close it saying I never signed a form they requested. I did not know they sent me anything because I never got any form in the mail. SO I signed it the next day and sent it back in. Then more time goes by and they say they can not approve it and they reversed the credit. Now I am out {$1600.00} for an item I never received. It is not my fault the credit card company took forever to review it and now its passed the deadline they say to do anything even tho I sent in my proof. They said the merchant is not willing to issue a credit. 

The credit card company is Citi and the card is an XXXX XXXX advantage card.
Consumer complaint received 2019-09-06
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 — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (NV)

On XX/XX/XXXX a letter was sent to Synchrony Bank/ Sams Club in regards to an inquiry from their company dated XX/XX/XXXX. In that letter, I asked them that they contact ALL reporting agencies that they had reported this inquiry to as I did not apply for or currently have ANY open business with this company. 

I also asked them to provide me with copies of the documentation that says I gave their organization the authorization to view my credit history. 

This request was DECLINED and I received a template letter response from this company dated XX/XX/XXXX stating " the application for credit processed on XX/XX/XXXX matched the credit bureau file accessed ''. 

I did not apply, nor did I give my authorization for this company to access my credit report or to place this erroneous inquiry.