davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-28
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. (TX)

I have called and spoke with all three consumer reporting agencies about this account with grain reporting inaccurately. The company mistakenly reported A late payment & emailed and advised the late payment would be removed and it has not been removed as of yet. The balance is also reflecting XXXX and the balance is XXXX. I have attached both the letter reflecting the balance is XXXX & the email stating they agreed the late payment was in error and should have been removed. I am in the process of purchasing a home and this is effecting my closing date and I have called and have had no luck getting this resolved with the three consumer reporting agencies. I was informed by grain the reporting agency may not reflect until XXXX however, I submitted the dispute to have them verify the correct information now as I can not wait another month while inaccurate info is still being reported. The disputes came back valid and was not corrected.
Consumer complaint received 2021-06-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

TransUnion has been receiving letters from me since XXXX of 2020 but hasn't done a proper investigation on accounts that I feel are inaccurate. I've sent several letters with no response on some. 
XXXX XXXX XXXX XXXX Bankruptcy These accounts are negatively affecting my report and I just want a proper investigation done so that these accounts are either deleted or reporting accurately on my credit report.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NY)

XXXX XXXX XXXX has made claims that i have mistaken what a charge off is, a charge off is considered income to the IRS, associated with 1099c tax form which gets filed, A consumer report can not contain income therefore it would be a violation of federal law to report income on a credit report as it would not be accurate. additionally consumer is requesting any itemized bill and purchase agreement and also original contract with original creditor containing wet signature. CONSUMER IS NOT REQUESTING ACCOUNT MONTHLY STATEMENTS. CONSUMER IS ALSO REQUESTING FULL FILE DISCLOSURE UNDER 15USC 1681g
Consumer complaint received 2022-02-04
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XX/XX/XXXX n cant provide to my XXXXXX/XX/XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2021-10-28
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. (NC)

On XX/XX/XXXX I files a Complaint # XXXX with CFPB against TransUnion for incorrectly reporting an alleged Bankruptcy Case # XXXX ( XXXX ) dated XXXX, XXXX on my personal credit report. TransUnion has responded back with false information verified being false by the attached document provided directly by the 3rd Party vendor, XXXX, that they use to provide them with the reported information as the US Bankruptcy Court does not report nor verify directly any Bankruptcy proceedings. On the same dated I also filed Complaint # XXXX against XXXX for them supplying that information as the 3rd Party vendor to TransUnion. TransUnion responded back claiming that they verified the Bankruptcy information as correct with XXXX. However as documentation directly from XXXX dated XX/XX/XXXX clearly states they removed the incorrect reporting of Bankruptcy # XXXX from their files related to me and verified that they are no longer showing any bankruptcy in my name.
Consumer complaint received 2021-06-12
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. (OR)

It has been more than six months to resolve disputes with Citi Bank. Every time I call, someone in XXXX or XXXX tells me its processing, just wait. I am so tired of waiting.
Consumer complaint received 2018-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

So I filed a recent complaint against Transunion Credit Bureau for Inquires that do not belong on my credit report back on XX/XX/XXXX.

On XX/XX/XXXX- I get a response back from Transunion Credit Bureau stating " Please also be advised however that your TransUnion credit report does not reflect an inquiry from XXXX XXXX , XXXX , XXXX, and XXXX '' As a response to this, I find this response to be invalid or pure disrespectful as the company has sought to deceive me by lying to me. XXXX XXXX which is the same as XXXX XXXX XXXX does appear on my Credit Report under Hard Inquires and also they go on to say the Inquires " The inquiries listed on your credit report are a record of the companies that obtained your credit information. 

Funny thing being about this respose is they may be right about companies retaining credit information but had Transunion opened the attachment that was attached to the last complaint they would have saw that the letter addressed directly from the creditor that states that their company has never pulled my credit for any reason and had confirmed that at no time had my credit even been pulled by their company, they have also asked that Transunion make the necessary adjustments to my credit report. ( Attachment Added to Complaint ) Now Transunion claims this inquiry does not exist but it very well does exists and so does two other inquires on my Transunion Credit Report from apparently XXXX XXXX. I have never even applied for a credit card from this company nor have I ever completed an application. I feel that Transunion is improperly handeling my credit report.
Consumer complaint received 2022-02-04
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mortgage Research Center, LLC (OH)

On XX/XX/2021, my wife lost her job and we were unable to locate further employment for her. After struggling with payments we reached out to XXXX XXXX XXXXXXXX, XXXX XXXX, to apply for a Deed in Lieu for our house. On XX/XX/2021, we submitted the application that was emailed to me for the Deed in Lieu and I was told that someone would contact me within 30 days to begin the process. After 30 days I contacted the company and was told it had still not been assigned to a representative, and that they were escalating the issue. The escalation could take up to 5 business days, after 5 business days I contacted the company and it still was not assigned. At this point we were more than 30 days late on payments and were struggling because we needed to apply for an apartment and our credit score was affected by the late payment. At this point we had vacated the property and I called continuously to get this issue resolved. After the escalation they started telling me it could take 90 days and no one was able to give me information. I requested information from supervisors and was ignored. I worry that soon that company will foreclose on us which is something XXXX XXXX has done to people in the past.
Consumer complaint received 2022-02-04
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. (CT)

DEPT OF EDUCATIONXXXX XXXX  # XXXX is reporting as a delinquent student loan account across all XXXX  bureaus XXXX, XXXX and transunion. The account is closed and currently up to date with all payments however, these bureaus have a past due 90 day late payment for XX/XX/2019 for 90 days however student loan payments are deferred and are in forbearance. Due to this late payment that is inaccurately reporting and non-factual it is harming me for going for a mortgage loan as this is severely hurting my credit. According to the FCRA inaccurate information especially a late payment on a student loan account that is deferred by the government, up to date whereas there has been no payments made late I need this fixed on my credit report. Please see attached documentation at the bottom of this email. Not only this there is an address on my experian account that doesn't belong to me and is incorrect which is another reason why I believe the loan is marked this way. It shows an address at XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX however I live at XXXX XXXX XXXX. I will attach my driver license for proof of this.
Consumer complaint received 2021-03-10
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. (KY)

My credit report says I have 100 plus precent credit usage. This has stopped me from being able to get a car. Im a single mother of two. When I looked into it I seen credit one was reporting my closed account as a balance towards my line of credit but took away the line of credit as the account is closed. Iv contacted credit one four times over the last two months and have paid as I can. My account is current on payment and is also closed. The only line of credit I have open is XXXX. Iv attached a screen shot of that as well.
Consumer complaint received 2022-02-04
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: LEXISNEXIS (AR)

On XX/XX/2022, I requested my report from LexisNexis to compare it with the credit bureaus. I requested it online and was informed that the report would be mailed out in 2 weeks. I have yet to receive the report. 

I then started calling all 3-credit bureaus to dispute any information that was received by LexisNexis due to them providing me with my personal information. All complied and XXXX immediately removed my information and XXXX put everything into dispute. 

XXXX on the other hand explained to me that the bankruptcy that existed on my credit report is public information. I informed the CSR XXXX that I was fully aware of that, however, how did they obtain the information since the credit bureau 's get reported too and do not go fishing for consumers personal information. She never told me where the information came from. I then informed her that I had seen on their website that they are partnered with LexisNexis and asked her was that where the information came from and she finally replied, yes. I went on to tell her that since XXXX uses them as a third-party vendor that my credit report should be cleared from negative reports that LexisNexis has provided them because they are not abiding by the Fair Credit Reporting Act. 

She then goes on to argue with me and ask me did I had filed bankruptcy or not. I replied, the fact of whether I filed or not is not the question being asked by me. I informed her that my information that LexisNexis obtain was not given to me as requested and that is a conflict with the information that is reporting on my credit report because I was violated my consumer rights and all negative information should be cleared due to this factor. I ended up speaking with a supervisor and she informed me that they will need to contact LexisNexis and dispute the bankruptcy information and will have a response available within 30 days ( about 4 and a half weeks ). I requested from the Supervisor XXXX that ALL negative/damaging information that was provided by LexisNexis should XXXX deleted because I was not given my requested personal information, which violates my Fair Crediting Report Act. 

After completing my call with Supervisor XXXX, I then tried to call Lexis Nexis regarding clearing any derogatory information given out to all 3-credit bureau 's due to the report was never received and this was in violation of my Fair Credit Reporting Act. However, the customer service number has so many loopholes it does not give you the option to speak with a customer service representative. Although, the customer service number indicates on the recording that there might be a longer than normal wait time. This really concerns me that a credit bureau can play with consumers credit using 3rd party vendors that you can not only receive requested information from but can not reach either.
Consumer complaint received 2022-02-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bliksum, LLC (CA)

On or about XX/XX/XXXX, I was issued a loan from Loan Me Inc. I obtained this loan by phone. I don't recall receiving written contact for the promissory note. The call was advised it was 36 % percent. They verbally represented the facts by phone. After making more than 60 % of the principal amount I borrowed, I was no longer able to pay the large amounts of interest/payment. I did modified once for having payment arrangements due to payments to high of interest. Shortly after I wasn't able to pay off. 

Shortly later, I received a letter from XXXX XXXX XXXX, XXXX. dated XX/XX/XXXX stating that I owed {$3700.00}. This letter was sent by the law firm XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 

XX/XX/XXXX I was served with XXXX XXXX XXXX lawsuit by XXXX XXXX XXXX claiming I owed {$3000.00} plus {$710.00} post charge off interest. {$3000.00}. plus interest from the date of the charge off debt, which was XX/XX/XXXX until of judgement. 

When I received the initial letter I thought it was a scam. When I was served, the copy of orginal promosinary note, which shows a interest rate that I was not aware of which is 137.65 % interest, APR. I was stunned, {$16000.00} of a claim. 


XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-28
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. (TX)

I have called and spoke with all three consumer reporting agencies about this account with grain reporting inaccurately. The company mistakenly reported A late payment & emailed and advised the late payment would be removed and it has not been removed as of yet. The balance is also reflecting XXXX and the balance is XXXX. I have attached both the letter reflecting the balance is XXXX & the email stating they agreed the late payment was in error and should have been removed. I am in the process of purchasing a home and this is effecting my closing date and I have called and have had no luck getting this resolved with the three consumer reporting agencies. I was informed by grain the reporting agency may not reflect until XXXX however, I submitted the dispute to have them verify the correct information now as I can not wait another month while inaccurate info is still being reported. The disputes came back valid and was not corrected.
Consumer complaint received 2019-05-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (NY)

I used a high interest savings account to fund the purchase of Bitcoin through the Coinbase Exchange in early XX/XX/2019. Unbeknownst to me, there was a limit of ( 7 ) electronic transfers ( ETF 's ) per month on this particular savings account. I made transfer requests on Coinbase above and beyond the ( 7 ) allowed, by mistake. I understand Coinbase fronted the money in anticipation of payment by these additional transfer requests, above and beyond the ( 7 ) allowed. The requests were rejected and Coinbase locked my account. I resolved the problem as soon as I was made aware of it and made sure the payments arrived at Coinbase ( within 5-days ) from a different bank account. All should have been well and Coinbase should have released the funds. However, they didn't. They allowed me to sell the Bitcoin to US $ but to this day, will not allow me to transfer the US $ out from the Coinbase account a total of {$68000.00}.

Attached you will find : Two emails from XX/XX/19 showi

ng the sale of Bitcoin ( into the cash $ account at Coinbase ). Two emails from Coinbase (
XX/XX/19 and XX/XX/19 ) customer service showing my interactions with them. Trying to resolve the issue. You can see where in bold they say We are not able to provide you with any additional information. 

I also have a problem where I deleted the XXXX XXXX app, so I lost my key for the XXXX XXXX verification. According to the sits FAQ ( attached ). They may need to perform a security reset so it reverts to the SMS verification so that I can do the final transfer, once the funds are released. 

You can see in the attached site FAQ document " Coinbase Reset Broken XXXX   XXXX '' on page 2, line item " I lost or broke my security key ''.

To reiterate my problem one more time ; Coinbase does not respond to my requests to transfer my cash out of their account back into my checking account. Nor do they respond to my requests to reset the 2-step verification.
Consumer complaint received 2018-11-26
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. (TN)

This account has been disputed and creditor and credit bureau failed to respond to my compliant. Also they have failed to provide any documentation in regards to this account. This account is problematic and i need it to be removed>>>>
Consumer complaint received 2022-10-10
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. (IA)

All three bureaus Trans Union, XXXX and XXXX are reporting incorrectly on credit report. previously account was stating account status of derogatory by all three bureaus with a date opened of XX/XX/XXXX by TransUnion XXXX XXXX and XXXX reported XXXX XXXX. Account with stating as payment status of collection/Charge off and derogatory. reporting date of last payment of XX/XX/XXXX by Trans Union and XXXX while XXXX reported date last payment of XX/XX/XXXX, XXXX on the other hand payment history was reporting OK as agreed by XXXX XXXX XX/XX/XXXX all the way through XX/XX/XXXX while XXXX reported consecutive charge off all the way from XX/XX/XXXX through XX/XX/XXXX. Making no sense with data reported on date of last payment dates do not make sense do not match. after I dispute it with all three bureaus for inaccuracies results came back still incorrectly. Data that was being reported on date of last payment has now been removed leaving nothing to show by all three bureaus. Payment history, XXXX deleted OK as agree and replaced it with consecutive charge of all the way. This is not acceptable and I do not tolerate this type of inaccuracies. Account is now reporting a account status of being closed by all three bureaus and XXXX and XXXX have have change the date open to XXXX XXXX, XXXX. Stating incorrect date last active. There is no way that all three bureaus can be correct if information is coming from the same furniture data.