davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd. (UT)

I noticed this account on my credit report with XXXX XXXX XXXX XXXX. I have no idea what this is and how it ended up on my credit. I disputed this XXXX x to XXXX, XXXX, and XXXX. XXXX  verified that this was not my account and that the company did not respond in time and they deleted it from my report. Well XXXX and XXXX keep coming back saying it is verified because my name matches what the company has on their automatic report. This is not valid proof of the debt and is violating my rights to continue to have this on my credit report when it is not my account and is not being accurately verified.
Consumer complaint received 2021-07-22
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. (MN)

Experian was notified that one account is not open for years. It relates to a XXXX/XXXX credit card. I have have contacted the vendor - and that vendor can not find my name or address or anything related to me. I have contacted Experian twice and this does not seem to be resolved.
Consumer complaint received 2017-07-22
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. (UT)

I disputed the account with XXXX XXXX, experian, XXXX, and XXXX 3 times. XXXX and XXXX verified that this account was not mine and also that the company did not respond within 30 days so it was deleted. Well with Experian they are still leaving this on my credit and I this is not my account. I have not had any resolutions from experian or account recovery on this account. I asked for proof that this account is mine and I have not had any results.
Consumer complaint received 2021-07-22
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. (SC)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-04-14
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. (OK)

XXXX violated the CARES Act modifications to the FCRA by reporting the loan 180+ days delinquent after granting an accommodation. The CARES Act accommodation was granted for the XXXX, XXXX payment and scheduled for six months. Repayments started in XXXX, XXXX. Beginning in XXXX, XXXX XXXX, XXXX reported the loan " delinquent. '' At first, the report stated a history of 120-149 days past due. Then the report was 180+ days past due. Beginning on XX/XX/XXXX, we brought this to the attention of XXXX. We had a number of phone calls with its Home Preservation and Credit Dispute Departments. We further filed credit disputes with each of the Credit Bureaus. Those are pending. Several XXXX employees admitted the FCRA violations, sometimes in writing and all on " recorded lines. '' On or about XX/XX/XXXX, XXXX removed some of the negative information. However, there remains some negative entries including that the loan was " Affected by natural disaster, '' that it has a history of " 180 days or more past due, '' and that the loan is in " deferred '' status. When this was brought again to XXXX 's attention, it responded that the loan is being reported correctly and " at this time no updates are needed on the account. ''
Consumer complaint received 2021-04-14
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS. On XX/XX/2021, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2018-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (TN)

I attempted to apply for the Wells Fargo XXXX XXXX XXXX XXXX card on XX/XX/XXXX over the phone with a Wells Fargo employee. I was subsequently denied this card owing to various standard credit issues. 

On XX/XX/XXXX, I again attempted to apply for the same card over the phone with a Wells Fargo agent. The application was submitted and I was subsequently asked to provide a copy of my social security number to Wells Fargo. The letter I received from Wells Fargo stated, " In order to approve your application '' a copy of my social would need to be provided. I then proceeded to comply with this request.

On XX/XX/XXXX, I learned that Wells Fargo had denied my application because I was not a US permanent resident. When I asked the Reconsideration Line agent if any thing could be done to progress the application, I was told it was Wells Fargo policy to not approve unsecured loan applications from non US permanent residents. 

At no time did Wells Fargo make me aware of this restriction prior to either of my applications. After the first application was rejected, I took the steps to improve my credit position as suggested by Wells Fargo, and in good faith, applied to the bank again. 

In my opinion, I should never have been allowed to submit either application as I was ineligible for the product based on the information subsequently provided to me by the Wells Fargo agent. I have been an checking account holder with Wells Fargo for over four years now while I complete my XXXX on XXXX XXXX XXXX status. During that time, I have received unsolicited invitations to apply for Wells Fargo unsecured loan products, including credit cards, and I have had Wells Fargo credit cards advertised to me directly in the online banking interface. I took these as a good faith signal that I could apply to Wells Fargo for credit card products. 

Now, I'm left with two Hard Inquiries on my credit report, resulting in an unfair deterioration of my credit score, for a product that I had no chance of being approved for and that I would have not pursued had I have known at the time of applying that I was not eligible for the product.
Consumer complaint received 2017-07-22
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (MD)

I was on a income based deferment and when I received the information that it was time to renew I sent in my information again which I qualified for deferment automatically because I was receiving government assistance. A couple months go by and I receive a notice saying my account was delinquent I called them and explained the information was submitted online. They say that it was incomplete but it was not all I had to supply was my benefit letter and they made me resubmit it and reported me as 120 days late 3 times for each of my 11 loans. Even though the verification information was marked as received on their website prior to the due date. I have disputed this information several times with no results.
Consumer complaint received 2023-04-10
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (DC)

Equifax continues to report a closed account issued by XXXX/XXXX in which the last " late payment '' was received over 7 years ago. Not only was the account fraudulently open without my knowledge or authorization and therefore must be removed, the delinquency legally can not be included in my credit history on my credit report due to its age and must be removed. 

Equifax previously removed the following accounts from my credit report due to fraud, and has not re-listed the accounts and the negative reporting history, including XXXX/XXXX ( opened XX/XX/XXXX balance {$9100.00} ) ; XXXX XXXX XXXX ( opened XX/XX/XXXX, balance {$490.00} ) ; XXXX XXXX XXXX ( opened XX/XX/XXXX balance {$550.00} ) ; XXXX/XXXX  XXXX ( opened XX/XX/XXXX balance {$1600.00} ) ; XXXX/XXXX ( opened XX/XX/XXXX ) ; and XXXX/XXXX ( opened XX/XX/XXXX balance {$4900.00} ) I have no access to the account information in order to dispute with the creditor because they were opened fraudulently without my knowledge or consent. Despite this finding, Equifax has since relisted the accounts as belonging to be with has negatively affected my credit and finances.
Consumer complaint received 2021-07-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (HI)

On XX/XX/XXXX I had {$3800.00} USD in my coinbase account to transfer to my bank. I went to login in to add my banking information and Coinbase froze my account and has been holding this USD hostage. I continuted to attempt to contact coinbase, but they have no phone number or email and only bots answer their inquiries. I opened up a formal complaint with coinbase who then tried to close my account. Attempts to communicate to coinbase are on ... 
XXXX : XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX On XX/XX/XXXX, a formal complant was recognized with case # XXXX On XX/XX/XXXX i submitted an escalated case that would not reply until the former complaint was solved. Complaint # XXXX The issue is that I have USD in my coinbase account, but coinbase will not allow me to access this cash to transfer to a bank or other location. They will not respond or reply. The escalated case and original complaint are a dead end.
Consumer complaint received 2023-04-10
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-07-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: BOEING EMPLOYEES CREDIT UNION (WA)

X/XX/17 To Whom It May Concern, I am writing this letter as I have a complaint that I would like investigated. Recently, I took out a BECU auto loan to cover the cost of my new vehicle. After learning about the new laws, I found that I had been given a loan with an interest rate of 4.24 % which is significantly more than the 0.29 % interest rate which the law states is applicable to loan borrowers. I am now requesting that you please take in depth look at why I have been charged with a higher interest rate. I was told that because my credit score was low, I had was offered the higher interest rate of 4.24 %. I should have qualified for an interest rate of 0.29 %, as all auto loans in WA state have this designated interest rate. After reaching out to BECU by phone, they stated that their lowest interest rate is 2.49 % and that my interest rate of 4.24 % was based on my credit score. Please contact me as soon as possible. I have been receiving inconsistent advice from them. Thank you in advance.
Consumer complaint received 2019-07-18
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. (FL)

Transunion is reporting duplicate collections on the XXXX XXXX UNIVERSITY partial account number XXXX. ( Please see pages 28 and 29 of the attached credit report. ) This account reports a {$0.00} balance and a status of PAID. Please keep in mind that it is impossible to owe on an account that has a {$0.00} balance and a status of paid. I have contacted the bureau to correct this, however I have unsuccessful. This incorrect reporting of duplicate collections is harming my credit score and these line items need to be removed from my credit report.
Consumer complaint received 2019-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

The issue is with XXXX Bank arbitrarily adding a comment to the credit bureau identifying my home as " Affected by Natural Disaster ''. When I called the Bank the employee notified me that this is simply a comment that they add when the area around a home has been affected by a Natural Disaster. This is an unfair practice and affects the value of a persons home. This is something XXXX is doing to others and I feel that they are going to affect the home values of many people by doing so.
Consumer complaint received 2024-03-06
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 recently disputed the accuracy of reporting on this account, and the results came back verified and updated despite the three credit bureaus reporting mismatched information regarding this account. 

Please be advised that this is a Notice of Direct Dispute with XXXX XXXX XXXX  under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), regarding the accuracy of the information you have supplied to Transunion, XXXX, and XXXX. 

XXXX XXXX has responded " According to our records, an account was opened XX/XX/XXXX pursuant to the received online application '' However, on my most recent credit report on XX/XX/XXXX from Transunion, XXXX, and XXXX the open date is still showing XX/XX/XXXX and XXXXSince you haven't corrected these errors in the previous requests for assistance on this account, the account was not investigated as thoroughly as it should have been. For this reason, I demand that the account be removed from my credit report. Please be advised that if you continue to report invalidated information on my credit report, this action may constitute fraud under federal and state laws. I won't hesitate to bring legal action against you for violation of the Fair Credit Reporting Act and violation of the Fair Debt Collection Practices Act, and defamation of character.
Consumer complaint received 2021-07-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I made a purchase for a service XX/XX/XXXX I never received the materials for the class so I decided to ask for a refund since I never attended the zoom classes either. Refund was never issues by merchant and credit card company wont help me either. They denied my dispute claiming the merchant stated I attended the XXXX classes which I did not.
Consumer complaint received 2019-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION (NJ)

I made a transfer of {$100.00} from my XXXX XXXX XXXX checking account to my Simple.com ( Banking Services provided by BBVA USA ) checking account. The funds were debited from XXXX XXXX on XX/XX/2019. The transaction showed up under " Scheduled Activity '' in Simple, with a note saying the funds " should deposit into Simple on XX/XX/XXXX. '' On XX/XX/XXXX, I checked my Simple account and noticed the funds were still pending and I did NOT have access to the {$100.00}. Yet, the funds are no longer in my XXXX account because Simple has taken the funds. I called Simple to understand why I didn't have access. The customer support agent was unsure and said he would file a Missing Credit Case.  However, he could not give me a timeline as to when the funds would be retrieved. In short, {$100.00} has been taken from me, I don't have access to the funds, and the bank that took the funds can not tell me when or how I'll get the funds back.
Consumer complaint received 2019-07-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Hillcrest Davidson & Associates (OR)

On XX/XX/XXXX, I was lied to by salesman from XXXX XXXX XXXX who said they were from my alarm co. XXXX. I tried to cancel the contract within Or 3 day period but XXXX blocked our PH. # for 30 days. XXXX ( after being exposed on TV on XXXX. for their business tactics ) filed bankruptcy and changed their name to XXXX. The contract I signed had a provision that unless the company was notified before 30 days the contract would auto renew. I was sent a bill {$590.00} which was too high for the remaining term of the contract. In Ph. conversation with a company rep., the amount owing to XX/XX/XXXX was $ XXXXI sent my check for {$390.00} with a written cover letter ( written the co. bill page ) explaining that this payment completed our obligation for contract & noted same on check. I kept receiving due notices for an additional {$190.00} ( 4 mos. past the mo. contract. Numerous information on returned overdue copies elicited no response from XXXX. they have now hired a collection co. Hillcrest-Davidson . I will send in supporting information when I have a case #. Thankyou for any attention & support or advise you can supply
Consumer complaint received 2018-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: COOLEY ENTERPRISES INC (TX)

I HAVE TRIED TO RESLOVE THIS MATTER WITH XXXX XXXX FOR SEVERAL MONTHS. I HAVE SPOKEN WITH SEVERAL REPS THERE AS WELL AS A SUPERVISOR SO HE SAY. MY CAR WAS PAID OFF WHEN I TRADE IT IN. THE PAY OFF WAS COMPLETED XX/XX/2017 YET THEY STILL HAVE NOT MADE THE PROPER ADJUSTMENT TO MY ACCOUNT. MY CBR 'S STILL REFLECTS A BALANCE OF $ XXXX
Consumer complaint received 2017-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I have a XXXX for the year 2015. The balance on my credit report should be {$0.00}. The debt cancelled on the XXXX shows {$10000.00} on my credit report it 's almost {$14000.00}.
Consumer complaint received 2016-02-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (OH)

Dish company has tried to collect a debt I do not owe. Dish turned me into collection agency early last year and after I provided all documentation the collection agency at that time removed me from the debt. This was removed in XXXX XXXX. Now a XXXX collection agency is trying to collect this " so called '' debt again. It is possible for you to look at the XXXX main credit card reporting companies to review my case. I thought when this was removed from my report that year I was done with this case, Some of the paperwork or documentation I no longer have as I did n't think I would need. Can I bring legal action against the XXXX XXXX for trying to ruin my credit. If you look at my credit reports you will see I have excellent credit. Also the collection agency XXXX has now gone through did n't even bother to send me a letter or any correspondence that this was going on my credit report. The balance XXXX say I owe is {$430.00} which is very much not correct. This case started back in XXXX of XXXX. Please advise what to do. This is so wrong what I have been through with this company. Would love to expose this company for their rotten tactics. Please advise. thank you
Consumer complaint received 2022-09-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I XXXX XXXX XXXX a natural person/consumer noticed i had identity theft on my recent credit report XX/XX/2022. Along with other things that were incorrect such as name addresses and employment. I filed a FTC report on XX/XX/2022 and have not got any type of response from Transunion, XXXX, XXXX and XXXX.