davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Selene Holdings LLC (OR)

I have a home that my father put in his name due to a better interest rate. During the pandemic I tried repeatedly to either assume the mortgage or remodify the mortgage with XXXX XXXX. They kept refusing to work with me. 

After the foreclosure moratorium ended XXXX XXXX again started the Foreclosure process. I applied for the Homeowners assistance fund during the spring of XXXX and they were able to stop the foreclosure. I got through the whole process was approved and the housing partner sent me the mortgage documents to have notorized. The payment was essentially on the way. 

What actually happened is that XXXX XXXX right in the midst of the arrearages being paid sold my mortgage and the servicer changed. I was not contacted about it. I only found out because I got a new foreclosure notice in the mail XXXX of XXXX. 

During this time I kept checking with XXXX to see what was happening with my application and finally determined that Selene Finance was refusing to work with XXXX and acknowledge my ownership of the property even though I provided them with everything they needed to complete the process. 

Ultimately, because I was not getting anywhere with XXXX I file my own bankruptcy to stop the foreclosure sale of XX/XX/XXXX. 

Unfortunately, I am not an attorney so my case was dismissed for procedural issues. 

Now Selene is foreclosing again. They have since inflated the amount I owe to well over the XXXX cap of {$60000.00} so they said they won't help me. 

This is criminal what these people have done. I'm in such despair. I don't know where to turn. Please help. I feel you are my last hope to keep my family housed and safe.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.
15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 


2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, SC XXXX
Consumer complaint received 2019-10-05
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)

On XX/XX/2019 I submitted a credit report dispute pertaining to accounts that I had no knowledge of acquiring. Upon sending this dispute I requested a debt validation to the following companies : XXXX   XXXX XXXX XXXX XXXX XXXX responded back that this debt was " certified '' by the reporting agency. However no documents have been sent to me to substantiate this claim as request. The listed companies are attempting to collect an alleged debt with no proof that it belongs to me as required under the FCRA and FDCP. This inaccurate reporting is causing harm to me and the CRA has refuse to delete this information.
Consumer complaint received 2023-03-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (IL)

On XXXX i called Coinbase to see why my balance went from XXXX to XXXX $ and i was informed that all my Alt coins and Bitcoins were transferred to someone else. 

When i told them i didnt authorize the transfer they just said to me when you buy crypto there are certain risk that you are taking. I created a ticket XXXX. They close the ticket stating it was a hack and nothing could be done I am out XXXX now. No one called me, no said to me what they are doing about the hack or scam. 
In fact coinbase CSR told me it will be a good idea to reach out to the scammer and ask them politely to refund the money. ( I just couldn't believe it ). 

I also found out that XXXX they got hacked so i thought maybe the hack is tied and their are others who lost money, Just a hope i got so i called them again and nothing, just nothing from coinbase. 
They are literally acting as if nothing happened. I honestly have a feeling that Coinbase 's approach is to keep quiet and he will go away. 
Never ever in my history have i been hacked on any other platform. 
I saved this money thinking if Crypto went up i will be able to pay tution fees for my kids and now its all gone. Thank You coinbase for not only losing my money but also to keep quiet and not provide any update to me
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

My XXXX XXXX and equifax is reporting a bankruptcy on my credit report when the court said they do not report to the credit bureau. I asked the credit bureaus to remove it from my credit report and they validated that it was me but it was no way to validate it with the court which means it needs to be removed from my credit report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-06-13
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: EQUIFAX, INC. (LA)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-05-10
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Direct Recovery Services, LLC (LA)

I have told them to communicate with me only by mail. Today they texted me and a family member via text. The text allowed anyone they sent it to to accept/agree to on my behalf. I dont know what this is about. I want them to provide everything they have showing I owe whomever they are trying to collect for and to stop harassing me and my family members by phone.
Consumer complaint received 2019-05-10
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. (NY)

There are several accounts that have been open/closed repeatedly on my report from XXXX XXXX, there has never been a lapse in account that I have had with them. 

There is a XXXX account that has been opened up fraudulently in my name. I have sent in a dispute through XXXX XXXX and they have refused to acknowledge the frauds behind it. Below are the dates for the accounts mentioned above. 

XXXX Department Store : XX/XX/XXXX This account above was the one that was opened fraudulently. 




XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX The account above is still open but it has been placed on my credit report three times.
Consumer complaint received 2023-06-13
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: EQUIFAX, INC. (NC)

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

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-19
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 just paid off a mortgage that I had paid on time always for over 20 years. All 3 credit bureaus dropped my credit score XXXX points saying I got a closed account from the mortgage company. Of course they closed my account they were paid in full. But for some reason the credit reporting agencies saw this as a negative thing..ALL # 3 MAJOR CREDIT BUREAUS! This needs to be fixed by YOU. These companies affect millions of people including ME with their unreliable credit reporting. PLEASE make them get with the program and report credit transactions CORRECTLY.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Please remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize these accounts, and I have no knowledge of their origins. According to USC 1681g, I am requesting their removal within the next 15 days. Attached are the relevant documents for your review and reference.
Consumer complaint received 2019-05-10
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. (NJ)

As of XXXX XXXX  today, all 3 credit bureaus can not accept online disputes. How is that possible? I am starting to think this whole thing is a scam. How can they all be having technical issues at the same time on the same day?
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (CA)

I found out there was a {$7000.00} Citibank card in my name and now its over {$11000.00}, I made a claim and received a phone call and during that call I found out that my wife opened the card without my consent. I was told if she talks full responsibility for the card they will take it out of my and put it in her name. That was done and there still saying Im responsible because she purchased airline tickets and I received benefits from it. The tickets were purchased without my knowledge on the card. I found out on XXXX and the card was opened some time in XXXX. She has taken full responsibility for the card and theyre still denying the claim because they say I received benefits from it but I never knew anything about it. So how am I responsible even if I went through the steps they said I can take to clear my name.
Consumer complaint received 2023-04-10
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. (VA)

On XXXX XXXX, XXXX I placed an order with XXXX for a coffee table in the amount of {$1100.00}. At that time I received a message stating that there was a long delay due to covid related shipping delays. I then received emails from XXXX in XXXX and in XXXX of XXXX announcing further delays stating estimated delivery between XXXX. On XXXX XXXX, XXXX I emailed XXXX asking for an update. I received a message stating the item was backordered until XX/XX/XXXX. On XXXX XXXX, XXXX I requested that my order be cancelled and received an email stating that the email address I had written to was no longer being monitored and that the company had gone out of business. On XXXX XXXX XXXX I contacted Citibank to file a dispute on the basis of being charged for an item I did not receive. They stated that since the charge was so old I would have to mail in my dispute. That same day I mailed my dispute included 13 pages of evidence ( original invoice, email correspondence ). Citibank stated that because the charge was so old they couldn't do anything about it and said I should contact the merchant, but I have no way to contact the merchant. I was strung along with regular emails from the company stating that my merchandise was coming until they shuttered their doors. Purchase protection should cover this. This is a lot of money for me and I don't know what I am supposed to do to get my money back.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

The consumer reporting agencies have been VIOLATING my federally protected consumer rights. The reports that are being furnished by the consumer reporting agencies VIOLATE my consumer rights in a variety of ways. I am writing to dispute the following information that appears on my consumer report : TITLE 15 U.S. Code 1681 ( a ) ( 1 ) -INACCURATE REPORTING TITLE 15 U.S. Code 1681 ( e ) ( b ) -COMPLIANCE PROCEDURES TITLE 15 U.S. Code 1681c-2-IDENTITY THEFT TITLE 15 U.S. Code 1681 ( b ) ( 2 ) -PERMISSIBLE PURPOSE TITLE 15 U.S. Code 1681 ( S-2 ) -RESPONSIBILITIES OF FURNISHERS
Consumer complaint received 2023-06-14
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. (CA)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXXXXXX ... Balance : {$39000.00}
Consumer complaint received 2016-07-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have several accounts that were investigated and removed from my TransUnion Credit report. The problem I am encountering at this present time is item that was remove are appear back on my report. 
XXXX. XXXX XXXX XXXX. BRCLYSBANKDE XXXX. XXXX XXXX XXXX XXXX My recent credit score went down XXXX point this week.
Consumer complaint received 2022-02-02
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. (CA)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response about the written requests I sent to TRANSUNION. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXXXXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry XXXX XXXX ; XXXX Inquiry Date XX/XX/XXXX ;
Consumer complaint received 2023-06-13
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: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX Equifax, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax, XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax, XXXX XXXX XXXXXX/XX/XXXX Equifax, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-05-10
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (FL)

On or about XX/XX/2019, complainants wallet was stolen from XXXX XXXX Supermarket in XXXX XXXX, Fl. thieve immediately made several transactions on same day. Two transactions were made at XXXX pharmacy next door to XXXX for {$4.00} and {$25.00}. Two more were made at XXXX XXXX XXXX restaurant for {$15.00} and {$15.00}. Several other attempts were made but unsuccessful. Complainant did not realize card was missing until morn of XX/XX/XXXX, when police was called and card was canceled. Complainant submitted information to Direct Express Fraud Dept. in XX/XX/XXXXand again in XX/XX/XXXX. Complainant received letter from Direct Express stating that investigation showed that the theft did not accrue. Complainant called Direct Express to check status on XX/XX/2019, after sending written report which was not prepared until 2 months later. Complainant, after being placed on hold for over an hour on phone, was told by some alleged supervisor that monies were not protected by FDIC, and complainant had to absorb loss and move on. Supervisor was very disrespectful. I want my stolen funds back and compensation for lack of professionalism.