davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-15
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. (AZ)

I disputed an account on my credit report from XXXX XXXX XXXX XXXX and one or two of the credit reporting companies reported as closed and dispute under investigation on the other ones but I need it completely removed from my credit report because it is stopping me from getting into an apartment and also needs to be closed with the current disputing companies can you please correct this and remove it and close it and removed as well on any other credit reporting companies please and thank you the balance was {$3600.00} and it is for XXXX XXXX XXXX. Reports are from XXXX XXXX XXXX.
Consumer complaint received 2022-07-12
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)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code1666 ( b ) billing errors. The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because these are clearly billing errors. Listed below is the account in question XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1300.00}
Consumer complaint received 2023-03-24
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. (GA)

This is my NUMEROUS 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 items 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 ITEMS. 
XXXX, XXXX, XXXX ; XXXX XX/XX/2021 ; XXXX XX/XX/2021.
Consumer complaint received 2022-11-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC (CO)

Called WAYPOINT RESOURCE GROUP to get proof of debt nothing has been received the representative was rude and when I asked to verify the address they had he got mad and hung up on me this is not right I asked for it to be deleted and they said it's not they problem then have protocols.
Consumer complaint received 2022-06-19
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: Experian Information Solutions Inc. (IL)

In accordance with the fair credit with the fair Credit Reporting Act XXXX account # 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 an account without my written instructions.
Consumer complaint received 2018-11-15
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 — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (CA)

XXXX has been non-compliant with removing the unverified account WELLS FARGO DLR SVC/ which has been deleted by XXXX and XXXX XXXX XXXX and XXXX have both completed their research and determined that WELLS FARGO DLR SVC/ was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2022-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

Received emails and letters from Debt collector from XX/XX/XXXX until the present. I have requested validation via email and certified letters for validation of the debt. 
Dates request validation : XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX the debt collector states they have received a dispute and will stop collection under debt is validated, I have not received anything showing validation. They keep emailing and calling me ; also they have placed the debts on my credit reports.
Consumer complaint received 2022-07-10
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: EQUIFAX, INC. (FL)

I XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX with the ACCOUNT # s XXXX & XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment EQUIFAX XXXX XXXX XXXX AND XXXX ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX # s XXXX and XXXX.
Consumer complaint received 2017-11-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/XXXX, my dental insurance provider concluded that my previous Dentist, XXXX XXXX XXXXXXXX XXXX was liable for the defective work performed on my XXXX. XXXX XXXX issued me a credit card ( via XXXX XXXX XXXX ) to pay for this XXXX. For months, XXXX XXXX XXXX refused to accept responsibility ; even though my current Dentist and my insurance provider, found them responsible. They ordered XXXX XXXX XXXX to refund me to full amount of my co-pay. 
On XX/XX/XXXX, I received a check from XXXX XXXX for {$400.00} and yet, they are still sending me collection notices and sent this statement to collections. I have received many phone calls to pay the balance of a dental procedure that my own insurance informed me that I was liable for. To date, I paid {$780.00} towards a defective XXXX. I am still owed {$370.00} for the remaining balance I paid for my co-pay.
Consumer complaint received 2023-04-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (GA)

Someone stole my bank card and used {$7200.00}, They tried using ( {$9000.00} ) more money but I was able to stop any more transactions. I already made calls to the bank, but they will not give me the credits. I never gave anyone my card and never gave a pin number to anyone. 

claim XXXX
Consumer complaint received 2017-12-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

Dear all, I had a very small amount invested at Coinbase. On XXXX XXXX at XXXX XXXX PST, I 've done a withdrawal from my EURO wallet at Coinbase in the amount of XXXX with the reference number XXXX. Coinbase stated that the money would be in my bank account latest by XXXX XXXX. Almost 10 days have passed and the money did n't arrive yet. 

I 've tried to contact Coinbase via mail already two times, but their e-mail support is under heavy workload, means no answer to my case. I also called their hotline twice, and no one picks the phone - even after 30+ minutes waiting time. 

I 'm really lost in terms of what I could do. One person suggested in a Forum to reach you and ask for help on how to proceed. I hope you can give me any indication regarding what I could do to have my money back. 

Many thanks, XXXX
Consumer complaint received 2021-05-20
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. (IL)

XXXX hasn't reported my account to 3 major credit bureaus ( XXXX, Equifax, XXXX ) since XX/XX/2019. The account is still open but reporting incorrect balance. The account balance is XXXX. This has hindered me from obtaining new credit. Not reporting the correct balances is killing my credit utilization.
Consumer complaint received 2018-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I have made two payments this month to my mortgage company through my online banking at XXXX XXXX XXXX. My mortgage company is Nationstar / Mr Cooper. Both payments have been rejected by the lender and returned to my online banking account. I havent been able to get them to mail me statements for over a year despite repeated requests so I have had to go online to their website to see my statements. When I logged on this evening I was greeted with a message saying my mortgage has been transferred. There is no information about where it has been transferred to, nor have I received any notice regarding the transfer. Can they do this? 

Additionally, there is a statement online that says my payment which is due to them, will be past due on XX/XX/XXXX! Yet they have returned my payments TWICE this month! 

I need help please!
Consumer complaint received 2018-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P. (AL)

The aforementioned account with XXXX, formerly XXXX XXXX XXXX was paid in full with an agreement from the collection agency Credit Protection Association to be removed from my credit report. The account is still being reported on my credit file negatively.
Consumer complaint received 2018-11-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Tribal Lending Enterprise, Inc. (MI)

I received a {$300.00} payday loan from XXXX XXXX XXXX and have now made 4 payments on this loan. I called to find out the balance to pay off this loan and was told it was {$310.00}. This turned out that only {$15.00} was going towards the principle amount and the other amount I was paying was for fees applied on this small loan. I complained but was told this is how the loan payment works. This is insane and I want my fees returned or applied as paid in full. I will never borrow from this company or any other payday loan company.
Consumer complaint received 2023-03-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: DISCOVER BANK (FL)

Between XXXX my information was wrongfully stolen, obtained, and used to fraudulently open, checking and savings accounts, multiple banking institutions, which I will provide as follows ; XXXX XXXX XXXX {$47.00} This banks are not allowing me to open up a bank account with them because I am in XXXX and these banks are reporting wrong information about me and fraudulent accounts were opened in my name and with my identity.thanks to this person that stole my identity and I have made a police report and an identity theft report and I need these records removed or I will take legal action they have to be removed off of their systems and I need to be allowed to be able to open up a bank account so I can proceed as a regular citizen
Consumer complaint received 2018-11-15
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: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) which is being reported twice on different amounts! I don't even know who this company is! Experian wouldn't respond when I asked them how and where did they get this information! They just sent me a computer generated print out stating the account and the amount and that they have verified it, that's it. I may not know all about credit reports, but I know my rights as per the Fair Credit Reporting Act. CFPB, amp up and delete the account, I assure you it is not mine
Consumer complaint received 2022-07-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (TX)

I had a Macy 's account up until XXXX. I lost my job and was not able to pay them. They turned the account over to XXXXXXXX XXXX in XXXX for collections. XXXX XXXX is listing this debt as opened in XXXX, and that isnt true. This debt hasnt been paid on or had any type of transaction in over 5 years. They need to update the info they are sharing on my credit report, because it is false.
Consumer complaint received 2022-07-12
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: Experian Information Solutions Inc. (TX)

I, XXXX XXXX, am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX XXXX furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : XXXX XXXX XXXX XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, Experian, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, Experian, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Consumer complaint received 2022-07-12
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. (TX)

I, XXXX XXXX, am stating that TransUnion, XXXX, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion XXXX XXXX, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report : XXXX XXXX XXXX XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion, XXXX, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. TransUnion, XXXX, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my TransUnion, XXXX, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Consumer complaint received 2022-06-19
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. (FL)

I have reached out to Equifax and XXXX XXXX, XXXX several times by phone and via internet about the hard inquiries I have noticed on my credit report that I didnt authorize I also tried too call the companys its self but got the run around so Im in need of help to get this matter resolved..
Consumer complaint received 2022-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I purchased this home in XXXX of XXXX from my father at well below the market value. I obtained the mortgage through Huntington Bank. Unfortunately because I didn't have a big enough down payment I still was charged PMI. 

Currently I believe the value of the property is approximately {$220000.00} and I owe {$94000.00}. I feel the LTV is at 44 %. 

I contacted Huntington bank and made the formal request to have PMI removed and received the attached denial letter stating there isn't enough evidence that the value of the property had not declined below it's original value. I am willing to pay for a drive by appraisal. So I called the customer service and they told me to call the department dealing with PMI. I called 3 times and gotten a voicemail. I've left multiple messages and no one has even returned my call.
Consumer complaint received 2022-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (VT)

When we opened our AmEx statement in XXXX XXXX we found 67 charges for {$100.00} from XXXX over a one week period for a total charge of {$6800.00}. We had not made any charges to that company, so we contacted American Express to dispute the charges and to get new cards. 
On XX/XX/2021 they sent a letter crediting our account XXXX, and we thought the matter was closed. 
We we were wrong. American Express sent us a letter dated XX/XX/2021 stating that XXXX XXXX ( my husband ) had released his account number to a Merchant and because because of that they were closing our fraud dispute. That that they had also processed a debit adjustment to our account to reverse our previously issued credit. Our XXXX statement showed the charges back. 
We sent several letters to American Express with little results. Calling their Customer Service line got us nothing until, in XXXX, I got a person named XXXX. He told me that it was an American Express phone call in XXXX with XXXX XXXX where he was asked if the XXXX charges were valid and he had said they were. 

He, ( XXXX XXXX remembers that call but what this hard of hearing XXXX XXXX XXXX thought that they had ask were the charges INVALID and I had said yes. 

We have mailed several more letters to American Express and made more calls to Customer Service line with no results XXXX ' hearing mistake on that XXXX phone call is why American Express will not open any dispute or fraud investigation on the {$6800.00} Amount of Loss {$6800.00} Incident Date XX/XX/2021 XXXX
Consumer complaint received 2018-11-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (MN)

I have been paying on our XXXX XXXX XXXX.since XXXX.. I couldn't understand.why our balance has not gone down in.the last 3.years that is because the XXXX we have paid had all went.to.the interest rate..i tried talking to.them.to get lower rate.or payments..something .they won't work.with us.. now I'm behind due to family deaths and financial difficulty and now they r threatening to repossess it.. even.tho I have tried to get them.to help.me.and they won't. they r crooks. santander consumer usa
Consumer complaint received 2022-07-12
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: AMERICAN EXPRESS COMPANY (MI)

Account # XXXX date is continuously changed to remain on my credit longer than Fed law allows. Each time I dispute the incorrect information the company moves it out even further into the future. 
In reference to XXXX reporting : Report # XXXX shows account will be removed XX/XX/XXXX as a result of my XX/XX/XXXX dispute. 
Report # XXXX also shows XX/XX/XXXX disputed then moved date to XX/XX/XXXX Report # XXXX shows XX/XX/XXXX after dispute it was changed to XX/XX/XXXX XXXX
Consumer complaint received 2018-11-15
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 — Problem with personal statement of dispute
Company: FIDELITY CAPITAL HOLDINGS, INC (NV)

A mortgage lending company pulled my credit on XX/XX/2018. I reviewed my credit report and found several errors and several accounts that do not belong to me. On XX/XX/2018 I submitted a credit dispute to XXXX XXXX, XXXX. In the credit dispute, I described the errors with my credit report and asked the credit bureau ( XXXX ) to remove the accounts from my file. On XX/XX/2018 I received a reply from XXXX  stating they received a certification that the information is accurate. But they have not provided me with any documentation or other evidence to support their claim.
Consumer complaint received 2018-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.