davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

I am a victim of Fraud as I was under a lot of pressure and coerced through very sophisticated methods specifically created by these criminals. I reiterate that there was no trading account and no trading actually took place. This was all a scam and the recipient simply pocketed the money
Consumer complaint received 2022-04-15
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. (GA)

I faxed, mailed and uploaded my disputes. I went to police and got a report, and I filled out the FTC as I was told by all three bureaus now that I have done all that and I spent money to send my disputes certified mail. I get no response. I called Transunion and they said I needed to get their credit monitoring service and that would ensure I could talk to a person and they made me feel like if I pay for their service they would remove the fraudulent items. They are not the only ones the other two bureaus did similar things all wanting me to pay {$25.00} a month in order for them to follow the FCRA. This isn't right and I am hoping the CFPB can correct the bureaus.
Consumer complaint received 2020-02-25
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)

My identification was stolen in XX/XX/XXXX, and Trans union HAS NOT added this important factor into my credit report. 

I clearly had established credit in XX/XX/XXXX when I got an federal student loan without an co-signer. Why don't i have an credit score? 

Why can't I receive ANY CREDIT AFTRR MY IDENTIFICATION THEFT. 

XXXX XXXX HAS NOT EXISTED SINCE XX/XX/XXXX when my identification was stolen DUE TO AN TEXAS DMV CLERICAL ERROR. 

Why is hasn't my creditor, Transition : 1. Update mt credit file to XXXX XXXX, that's matched my nevada id. 

2. Notified creditors that I'm an vitcim of an federal offense.

3. Basic common sense, I had good to great credit in XX/XX/XXXX, why isnt this shown on my credit report. 

4. Why is my credit score blank, when I previously got an federal student loan.
Consumer complaint received 2018-12-29
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. (FL)

In my credit report XXXX ACCT # XXXX shows a late payment on XX/XX/2013, the information is incorrect, this account was setup in automatic payment and they made a mistake in processing the payment.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2022-05-04
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I raised a dispute regarding a credit card thats paid in full but is still currently showing a balance. I have provided proof of the card payment twice and in disputing XXXX has since decreased my credit score by XXXX points. This is not fair to me nor my credit score.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CT)

I DO NOT RECOGNIZE THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

Debt collector erroneously and illegally reporting incorrect information on my credit file for a debt that I do not owe to this company. LVNV reports that this debt collection account is an OPEN INSTALLMENT / Tradeline account. Ive contacted this business via certified mail several times asking for complete validation, which they have not sufficiently provided. Id like this account permanently removed from my credit report.
Consumer complaint received 2024-03-08
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. (CA)

today is XX/XX/XXXX, I check my credit report and I saw XXXX inquries fradulent, please remove this inquaries, i never apply for for any loans or credit card with this companies listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OR)

I have made 25 payments on my loans that should qualify for the Public Service Forgiveness Loan program. They are only counting 11 of them even though I have turned in all of the required employee certifications ( sometimes multiple times ) and paystubs. I called them to figure it out. They said that one of the employment certifications was incorrectly filled out ( they said it was missing a start date, it was not ). I filled out the form 3 times and sent it in.
I then received another statement claiming 17 payments counted.
Everytime I fill out paperwork for them and send it in, they make mistakes and I end up having to do it again. I am terrified that I am going to end up paying more because of their XXXX ups. My payment dates are as follows : These payments all took place while I worked at another XXXX, XXXX XXXX which should qualify. 
XX/XX/XXXX All Loans Payment {$85.00} XX/XX/XXXX All Loans Payment {$85.00} XX/XX/XXXX All Loans Payment {$85.00} XX/XX/XXXX All Loans Payment {$85.00} XX/XX/XXXXAll Loans Payment {$86.00} XX/XX/XXXX All Loans Payment {$85.00} XX/XX/XXXX All Loans Payment {$85.00} XX/XX/XXXX All Loans Payment {$81.00} XX/XX/XXXX All Loans Payment {$85.00} XX/XX/XXXX All Loans Payment {$80.00} XX/XX/XXXX All Loans Payment {$78.00} XX/XX/XXXX All Loans Payment {$5.00} XX/XX/XXXX All Loans Payment {$8.00} ( From XX/XX/XXXX-XX/XX/XXXX I  was unemployed and on an unemployment deferral. ) The payments below this line took place when I worked at a XXXX XXXX XXXX XXXX. They should all qualify. 
XX/XX/XXXX All Loans Payment {$340.00} XX/XX/XXXX All Loans Payment {$340.00} XX/XX/XXXX All Loans Payment {$340.00} XX/XX/XXXX All Loans Payment {$220.00} XX/XX/XXXX All Loans Payment {$220.00} XX/XX/XXXX All Loans Payment {$220.00} XX/XX/XXXX All Loans Payment {$220.00} XX/XX/XXXX All Loans Payment {$220.00} XX/XX/XXXX All Loans Payment {$220.00} XX/XX/XXXX All Loans Payment {$220.00} XX/XX/XXXX All Loans Payment {$220.00} XX/XX/XXXX All Loans Payment {$220.00} XX/XX/XXXX All Loans Payment {$220.00} XX/XX/XXXX All Loans Payment {$430.00} With this program being in jeopardy because of the current president, I want to make sure they are servicing my loan correctly. I have copies of all of my forms that I filled out and sent if you need them.
Consumer complaint received 2022-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I am a victim of fraud with my bank at Wells Fargo Bank. 

Wells Fargo authorized many charges via XXXX over the period of XXXX and XXXX of XXXX that were not transactions made by me. During these incidents, I requested to change my account number, receive new debit cards, be notified of transactions of over {$200.00} and Wells Fargo denied this requests. 

On XX/XX/XXXX, Wells Fargo spotted fraud detection on my account, however authorized 3 XXXX XXXX charges to XXXX for {$4200.00}, XXXX  for {$500.00} & XXXX XXXX for {$2000.00}. ( PICTURED ) The total amount of money fraudulently stolen from my account {$6800.00}. As can be seen on my account, I have never sent money to these people before. As can be seen on my account, I have never sent large amounts of money like this prior to XXXX when I first started reporting fraudulent charges on this account. 

Wells Fargo has denied multiple of these fraudulent transactions, however, authorized many despite my requests and attempts to further secure my account. In one denial, Wells Fargo noticed that a transaction was being attempted from a gosq.com. ( PICTURED ) Upon looking up that website, it is a well known website that can be used to scam. ( PICTURED ) This shows that my information had been leaked and unauthorized persons had been attempting to reach my account and unfortunately, succeeded. Additionally, prior to nearly every fraudulent charge, there are XXXX and XXXX withdrawals and deposits of 50 or less from people I have never sent money to, nor I know. From research, this method is used to scan accounts to fraud. ( PICTURED ) this further Substantiates my claims that my account had been compromised and these are unauthorized charges. 

As of XX/XX/XXXX : I have just noticed that this claim has been closed and I have not received a satisfactory result in the return of the claim. My money needs to be returned. These charges in question where not done by me and my cellular device had been hacked and compromised. If there had been a throughout investigation, you would see these XXXX XXXX and XXXX charges were sent to people I have never sent money to and the phone number associated with those accounts are fake telephone numbers received from apps. In addition, I have never sent that large amount of money to anyone in the history of banking with Wells Fargo. These charges happened multiple times of substantial amounts of money, as described above, and each time I reached out to Wells Fargo to amend the issue because they were fraudulent charges. If I can not amend this issue with CFPB and Wells Fargo, I am considering legal action.
Consumer complaint received 2017-09-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CO)

I got divorce on XXXX, I am in the military and Chase had denied numerous times for me to sell the house. I being thru the Short Sale process since XX/XX/XXXX and chase has denied the sell every single time. In one occasion their explanation was that they will not work my realtor ( after being working with her for 1 yr ). Today, XXXX XXXX they stated that it was deny because missing paperwork. I had provided everything that they had asked for.
Consumer complaint received 2024-03-08
Product: Credit reporting 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. (LA)

I am disputing the XXXX XXXX XXXX account on my credit report as fraudulently opened without my authorization. I have no knowledge of or association with this account. Please investigate this matter immediately and remove this fraudulent account from my credit report. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account.
Consumer complaint received 2022-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (AZ)

I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ), balance is {$480.00}, and account # XXXX
Consumer complaint received 2017-09-05
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. (GA)

SPOKE WITH A MANGER TODAY AT XXXX XXXX XXXX XXXX AND SHE WAS EXTREMELY RUDE AND TOLD ME THAT THERE WAS A 60 DAY LATE ON MY XXXX XXXX XXXX CARD. THIS CARD HAS NEVER BEEN LATE AND DEFINITELY NEVER BEEN 60 DAYS DELINQUENT. THIS ERROR IS KEEPING ME FROM GETTING APPROVED FOR A CAR LOAN PER THIS MANAGER I SPOKE WITH TODAY. UNFORTUNATELY I DONT REMEMBER HER NAME BUT SHE WAS RUDE AND WAS A LENDING SUPERVISOR! I HAVE LOOKED AT SEVERAL DIFFERENT VERSIONS OF MY CREDIT REPORT FROM SEVERAL DIFFERENT SOURCES AND NONE OF THEM SHOW THIS 60 DAY LATE. BUT XXXX SAYS I HAVE ONE. WHICH IS INCORRECT.
Consumer complaint received 2017-09-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I borrowed from XXXX XXXX, then I consolidated. My loan servicer turned into Navient. Navient will not allow me to make payments to principal without clearing accrued interest. I wrote a letter about two years ago asking for payments to be applied to principal first, then interest. No payments are due from me at this time as I have been making payments as aggressively as possible. On the phone today, I was told it is company policy, that they are not allowed to apply payments to principal before interest. I was told no matter what I do, Navient will always apply payments to interest first, NOT principal. I informed Navient of my opinion that this is wrong, especially since I never agreed to Navient servicing my loan or any hierarchy in applying payments as far as I know. I asked how to get my loan to another loan processor who will respect my preference for principal to be paid before interest, and was told to hold for a supervisor. The supervisor told me that Navient follows a " federal guideline '' from the Department of XXXX that says to apply payments to interest first. I can not find this guideline anywhere online despite the fact that I asked the Navient supervisor to direct me to it ; he could not. Supervisor told me the only way to move loan would be to consolidate.
Consumer complaint received 2022-05-04
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: NAVY FEDERAL CREDIT UNION (TX)

I checked my credit report in XXXX and found a credit card that I had no knowledge of. I contacted the bank and filed a dispute with XXXX online. A month later, XXXX reported that the item has remained unchanged. I called Navy Federal again and spoke with a security representative, who informed me that the account was still under investigation. I also spoke with an XXXX representative who opened up another dispute. I filed an FTC report XXXX. I called Navy Federal again and they informed me that the account was expedited and I would hear back in a week. I did not. on XXXX I was notifed by experian that the account remains unchanged. I called Navy Federal again on XXXX and spoke with XXXX in customer service and XXXX in their security department, only to be told that the account was under investigation, they could not release any information to me, and there was a checking and savings account opened when the credit card was that they did not inform me of. My credit is going down expotentially and interest is accruing on this account as they investigate. I asked if there is anything else I can do and they told me that I have to wait.
Consumer complaint received 2022-05-04
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: EQUIFAX, INC. (CA)

I have not disputed anything since XXXX. I called equifax beginning XX/XX/XXXX to take any dispute information out if credit report as it was keeping me from closing escrow on a home. They started a dispute, exactly the opposite of what I told them to do. I have called five times in four days to get it removed. They still have not.
Consumer complaint received 2022-05-04
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: Bread Financial Holdings, Inc. (IL)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-05-04
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. (DE)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
Consumer complaint received 2022-05-04
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. (MD)

In accordance with the Fair Credit Reporting Act. XXXX # XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX Funding # XXXX 15 U.S.C 1681 Section 602a states that I have the right to privacy.

15 U.S.C 1681 Section 604a section 2 also states that a consumer reporting agency can not furnish a account without my written instructions.