davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

My current address is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX Please remove these addresses that I have never lived or belong to a relative : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX HWY XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2021-05-12
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: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter regarding inaccurate things on my credit report. To this day over 60 days later, I have not received a response. I feel like my disputes are being ignored, my rights are being overlooked and my I am being taken advantage of. Section 611 ( a ), states a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been well over 60 days so these inaccurate, false items should be deleted promptly. Some of the accounts listed do not even have account numbers attached to them. I demand these accounts be deleted immediately or I will file for litigation due to the stress this misleading report have caused me. Upon discovery of the inaccurate reporting, I practiced my right and sent letters to which I have been ignored. Equifax has also used stall tactics, claiming " This complaint lists someone the company does not recognize as their customer or their customers authorized representative. '' have since sent them a letter with my picture Id, social security card and proof of ID. They are in violation of many laws.
Consumer complaint received 2019-08-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

SPS foreclosed on my home with a tainted assignment while the account was coded dispute. I called twice and both times the SPS representatives told me the sale would not take place. I learned today that my home foreclose and sold back to the lender. This was definitely a promise estoppel on SPS
Consumer complaint received 2022-03-13
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: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 Section 602A. States I have the right to privacy. 
XXXX5 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 2022-07-07
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)

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 XXXX 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 this is clearly billing errors. Listed below is the account in question : XXXX XXXX XXXXXXXX : {$28000.00}
Consumer complaint received 2021-05-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc. (IL)

On XX/XX/XXXX I saw a debt collection on my credit report regarding a bill from XXXX XXXX XXXX. ( A debt collector from Medical Data Systems is the collector ) I called them and spoke with a person who stated I owed this debt from services at XXXX XXXX XXXX in XXXX. If that's true, I was employed by XXXX XXXX XXXX. as a XXXX  XXXX. 

I was shot at and was tossed around the squad car injuring my head. I never received a bill or heard from XXXX XXXX or a debt collector at all. I was told by the XXXX XXXX XXXX. that any bills involving this claim would be paid for. Never heard from them or anyone else since then. 

Lastly, I would be willing to pay the XXXX dollars and would have paid it had I knew that I owed money on a bill. I didn't know anything about a debt. I want this off my credit report. 


XXXX XXXX XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

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 XXXX 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 this is clearly billing errors. Listed below is the account in question : XXXXXXXX XXXX XXXXXXXX : {$28000.00}
Consumer complaint received 2021-05-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC (GA)

I have had an account with Gemini Trust LLC for over four years. I transferred over XXXXUSD into my account on XX/XX/XXXX and bought some assets worth over XXXX USD. The next day, XX/XX/XXXX, Gemini froze my account without any warning. This has had negative consequences for me as I can't buy when investment assets have fallen as they have today XX/XX/XXXX at XXXX am. I contacted Gemini Support on XX/XX/XXXX and was issued support ticket # XXXX. To date, nobody has contacted me after numerous tweets and emails.
Consumer complaint received 2021-05-12
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: EQUIFAX, INC. (TX)

not mine : FCRA XXXX XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Numb
Consumer complaint received 2024-03-07
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. (GA)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

Someone was able to access my bank account and take out close to {$10000.00}. All Im getting from the bank is the runaround and they do not seem like theyre going to do anything in reference to returning my money back to my account. From what Ive learned so far someone walked into a branch and was able to get {$4700.00} and then immediately come back into the same branch and take out {$4900.00}. I dont know what kind of proof they would have shown to take money directly out of my account via going into a bank branch. When I only want to take out a couple of hundred dollars I have to show to pieces of identification. I keep talking to different people in different jobs at the bank and Ive been lied to about the process and they still act as if this is not a hardship to me. They have closed out an account that Ive had for years and with this new account Im not able to use my brand new checks that I paid {$200.00} for because now that account is closed I had a lot of merchants that I do auto pay with I had to try and contact everyone to straighten all this out it has really been a mess. But my biggest concern is retrieving my money and holding the bank accountable. I dont know how something like this can happen its not like it was done online someone came in to the bank to take this money. At this point Im not sure that the teller these people went to was not in on this fraud. Please help me if you can This financial institution is Wells Fargo Thank you, XXXX
Consumer complaint received 2021-05-12
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. (CA)

There are 13 accounts on my credit report that do not belong to me they are not mine do not belong to me I have not taken responsibility for these and I should not pay or be held responsible for this. I have opened an FTC for this. 

Account Name : XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF EDXXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF EDXXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF EDXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account XXXX Reason : This is not my account
Consumer complaint received 2021-05-12
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. (GA)

Please see the attached documents from the CFPB portal for REMOVAL OF ACCOUNT # XXXX off XXXX Which is XXXX XXXX XXXX XXXX 

The investigation was complete and contacted the " XXXX XXXX ''. The account was removed. Therefore, what type of investigation did TransUnion conducted that is different the XXXX and XXXX??? As this is account is REMOVED from those 2 CRA 's  and TransUnion is the only CRA 's coming up with verified information, which makes no sense at all! 

Please Reference Report CFPB # XXXX, which states this account has been removed. ( XXXX Response XXXX Then Reference Report CFPB # XXXX, which states the information is accurate and verified. XXXX TransUnion Response ) My scores in the XXXX 's on XXXX and XXXX  but TransUnion is XXXX. Why??
Consumer complaint received 2016-01-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (WI)

I have been getting the run around from my lender regarding my loan modification. They are looking for every reason under the sun to deny my modification, and sell my house. They do n't return calls, emails, or any correspondence that is sent to them in a timely fashion. I have provided all information that was requested and they just wait until it is too late to make any decisions. I 'm a promised a phone call never received a return call. This process is frustrating and criminal at best. I take responsibility for my role in this unfortunate situation however when you speak with a " relationship manager '' that appears to have your best interest at hand you quickly realize they just want to see that final date then pass the buck so you ca n't correct what might be wrong. They act is if they care but they just do n't, they only act like that until the final submittal date and then its like crickets trying to get someone to help you. Hello, hello anyone there!!! You do n't hear a word, I was reading my paperwork and it clearly states in the document that " they ( the lender ) may find that we need additional or updated documentation from the borrower to complete the review '' but they never call you or contact you to tell you what you may need. Its is very frustrating I was so hopeful that I would be able to save my house. Last week when I finally reached my relationship manager she informed me that I had to correct a statement in my packet ( two days before the deadline ) she told me to submit a letter and also include recent check stubs for my significant other which I did within hours of her request. Four days later they tell me that the letter had to be notarized ... never in her conversation did she say have the letter notarized so they said because I did n't have that letter notarized my packet was incomplete and my sale will go through and I will lose my house in five days. I finally spoke with my relationship managers supervisor last night and she was going to listen to the recording and call me this morning, have n't heard from her! My situation and circumstances have changed, I truly believe my lender could get all their money back if they would just work something out. Just in the last quarter my financial situation has changed dramatically but they just do n't care. The loan modification program is filled with loop holes, it leaves people feeling hopeful until it 's decision time then they fill all the hope with despair and grief.
Consumer complaint received 2021-05-12
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. (PA)

I requested XXXX remove the hard inquiry for both the XXXX XXXX and the XXXX as I do not recall applying for either one and I have never received a card from XXXX nor a purchased item from XXXX. 

I've also requested Transunion to remove the hard inquiry regarding the XXXX XXXX as I again do not recall applying for the card not have I received one. 

These discussions with both bureaus were had in XXXX and XXXX of 2020 with no response.
Consumer complaint received 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

I had to replace 2 credit cards because I lost my wallet, the accounts were removed from all 3 credit reporting agencies but should not have been removed. I contacted my 2 credit card companies and they stated that by LAW they must report to the 3 credit reporting agencies ... .the cards are XXXX account ending in XXXX and XXXX XXXX account ending in XXXX ... XXXXThe credit reporting agencies are all giving me the run around on why they are not reporting and placing blame on the creditors XXXX and XXXX  XXXX ... .now if these accounts were delinquent or fraudulent accounts I will catch XXXX getting them to not report them ... ..this is complete XXXX!! both of my accounts should be reporting a XXXX balance and every payment has been made on time ... my credit score is stagnant because none of them are reporting my credit cards! they keep placing blame on the 3 creditors but the creditors said that it is up to the credit reporting agencies to update everything in their systems. I am baffled on what actions to take at this point, I just want my accounts to report as they should ....
Consumer complaint received 2021-05-12
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: EQUIFAX, INC. (VA)

On XX/XX/2021, I wrote in requesting an investigation into items that I believed were Inaccurate and misleading information,. As mentioned in my previous letters I am a victim of the Equifax data breach and no more than ever I believe my information has been compromised. To date, over 60 days later I have not received a reply or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. I anticipate a timely response with the resolution of this unfortunate matter.
Consumer complaint received 2022-01-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

XXXX XXXX XXXX debt collection efforts have submitted false or deceptive affidavits to state and local courts, in order to fraudulently obtain default judgments against consumer for phantom debts, or debts for which XXXX lack sufficient evidence to properly obtain default judgments. 

In so doing, XXXX violated the FDCPA, the Racketeer Influenced and Corrupt Organizations Act ( RICO ), New York General Business Law 349 ( GBL 349 ), and were unjustly enriched. 

In further, my accounts are business credit card accounts.. Not personal debt. Where does it end. In attempting to file several disputes with the NCRAs, with no clear response or closure, they have resorted to " temporarily suspend '' my online accounts. Smells like retaliation to me.. 

I am now demanding that the NCRAs reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. They have no way to ascertain the legitimacy of my action without investigating the items in question. Not thru an automated response unit with coding & algorithms. 

How low can you go. Obviously I am onto something they don't like. 

Thankfully the CFPB was created in 2008. 

Thank you for your time and consideration to this on going XXXX Consumer problem.
Consumer complaint received 2022-01-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Foris DAX, Inc. (OH)

I started a dispute with my crypto.com card company on XX/XX/2021, and they ard still not telling me amything other than when they have an update it will know, but I've been trying to get an answer to my question I don't necessarily need or want am update ivd bern trying to find our way I wasnt given provisional credit as it states on this conpanys card holder agreement handbook that I recieved upon setting up and account with crypto crypto.com that I should BS provisionally credits XXXX businsss dAys after dispute is made and they have XXXX extra days in certain situations to add provisional credit to an account in the case that they nees more time or decide to investigate fire her taking longer.i have not Ben offered, given, or even answered about provisional credit in any shape or form by company and at this point I feel Ignored and that they don't cars about my situation degrading this card and I feel very mistreated and disrespected they sont understand that I havd been stolen from and im already upset angry an broke and that they are the ones the only ones that can help me clear up the situation I cant do it myself I cant ask then inveTigTion team a question or i would do it myself and they just keep giving me. Ridiculous response that in no way even almost answers my question but it been well past the 10 or even 15 business days timeframe please help me even if to only get a response that would ease my anxiety a littke I just wanted my money back and to know what happend that would help tremendously
Consumer complaint received 2021-05-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Unifin Inc. (CA)

On XX/XX/2021, I spoke to male, believe his name was XXXX. Stating he was attempting to collect a debt for XXXX. He offered a settlement amount, I advised him I am not familiar with the his company, or the company he claimed to be the original lender. I asked him to send me validation of debt. He informed me a settlement offer was already sent to me. I advised him I have never received mail correspondence from his company and asked him to provide me, by mail, validation of debt. He said he will just tell me by phone to refresh my memory and said, " What's the point of sending your validation of debt if you aren't going to pay when offered a settlement. I asked him if he was refusing to provide the validation he said, you aren't going to pay it anyway. He ended the conversation with " yeah right '' and hung up.