davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
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. (NJ)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2022-07-21
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: Coinbase, Inc. (CA)

My card issuer Coinbase was notified that a chargeback was needed for the following purchase. Information ask and answered multiple times via email in the following : Merchant name : XXXX Date/time of transaction : Placed on XX/XX/2022 XXXX Transaction amount : {$410.00} Dispute amount ( must include original transaction amount ) : {$410.00} Was the physical card compromised? No Is the card still in your possession? Yes Was this a recurring payment? No Have you purchased from this merchant in the past? No Have you tried to contact the merchant to resolve? Yes What merchandise or service was ordered and when was it expected to be received? XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Order shipment has not been fulfilled and no response has been made to several contact attempts through Email and Phone. 

Multiple times, I have made contact with Coinbase and they have sent me repeating emails asking for the above information after an initial report filed on XX/XX/2022 and then told me after the several attempts that I would have to wait an additional 90-days after which no reverse has been posted and no responses to further inquiries have been responded to.
Consumer complaint received 2022-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NJ)

I have a Balance Transfer with this credit card that I initiated on XXXX for {$15000.00} with a 0 % promotional rate. I still have been making small purchases on my card, which have been paid in full within days of the transaction being made on my account, yet month after month I am showing a higher amount subject to interest and the interest due increasing. I have made payments in excess of the minimum, but Chase has not been applying those payments to the purchases with the higher interest rate as stated in the credit card act of 2009. I have attached statements to support my claims, but here is the key points in a nut shell. 

XXXX Balance subject to Interest {$0.00} Purchases {$200.00} Payments {$330.00} XXXX balance transfer of {$15000.00} fee {$600.00} XXXX Balance subject to Interest {$130.00} Interest charged {$2.00} Purchases {$250.00} Payments {$390.00} XXXX Balance subject to Interest {$280.00} Interest charged {$5.00} Purchases {$290.00} Payments {$5700.00} XXXX Balance subject to Interest {$330.00} Interest charged {$6.00} Purchases {$440.00} Payments {$660.00} XXXX Balance subject to Interest {$460.00} Interest charged {$9.00} Purchases {$200.00} Payments {$310.00}
Consumer complaint received 2022-08-26
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. (IN)

I am writing to delete the following information in my file. The item I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the item be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-11-18
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)

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRES : XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX/XXXX : XX/XX/XXXX
Consumer complaint received 2020-11-25
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: EQUIFAX, INC. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2021-10-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (FL)

I called FedLoan Servicing to ask a question. The computer voice said wait times were longer than 20 minutes and to press 1 in order to receive a callback without losing your place in line. Instead of being offered a callback, the computer system repeated the same message, no matter how many times I selected the 1 option when asked to do so. Finally, FedLoans phone system hung up on me. This is only the latest example of how pitifully bad FedLoan Servicing behaves towards federal student loan borrowers.
Consumer complaint received 2021-10-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

My mortgage servicer is Select Port Folio, Requested mortgage assistance because I have been affected by covid-19, and the mortgage term ballooned out. I have requested assistance several times. I have received denial several times, each time I receive a denial for mortgage assistance it has been for a different reason. The mortgage servicer mortgage assistance dept. appears not to know how to process my request. I am a teacher, the pandemic has been difficult for me mentally, financially, emotionally and I lost several family members of which I help to bury to the pandemic. I need a Covid -19 mortgage assistance, my mortgage loan terms fixed with a fixed interest rate and term. I don't want to be homeless. Some of Select Port folio reasons for denial is the investor does not want to modify my mortgage, and they don't have my income information of which I have faxed and emailed several times.
Consumer complaint received 2022-02-09
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. (FL)

Equifax is reporting that XXXX has submit a hard inquiry. I reached out to XXXX on XX/XX/XXXX from XXXX to their number XXXX. The representative i spoke with advised me that per my social security number I have nothing with them. I explained that they claim I submit something with them that lead to in inquiry. I was advised since I have nothing open they cant help. I called Equifax ( XXXX ) back on XX/XX/XXXX from XXXX and explained what XXXX stated. I asked can you please provide me what they " confirmed '' and they said no I need to ask XXXX for it. I do admit I refinanced XXXX  months ago and if its related to that it would be true but very late.
Consumer complaint received 2019-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Smith, Cohen & Rosenberg LLC (AZ)

I received a letter of collection from Smith Cohen & Rosenberg, LLL ( Smith , Cohen & XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX, XXXX or XXXX ) on XX/XX/XXXX dated XX/XX/XXXX. Account number XXXX, the debt was for {$2300.00} for car ( VIN XXXX ) that was towed in XX/XX/XXXX by  XXXX XXXX XXXX. I contact XXXX XXXX XXXX and XXXX stated the debt owed was {$1800.00} not {$2300.00}. 
My complaint this is not my debt. I sold the car on XX/XX/XXXX to  XXXX XXXX and I am not responsible for this debt. I spoke with both XXXX XXXX and XXXX XXXX at Smith, Cohen and Rosenberg, LLC both refused to remove my name from the debt. I sent copies of the Notarized title, showing the date of sale/transfer of title ( XX/XX/XXXX ).  Mr XXXX XXXX sent, Smith, Cohen and Rosenberg, LLC, a fax stating he was responsible for the debt with a copy of the notarized title and asked for the debt to be transferred into his name on XX/XX/XXXX.  Both Ms XXXX and Ms XXXX have told both Mr XXXX and I that the debt will not be transferred until paid in full and if not paid I, XXXX XXXX XXXX XXXX, will be sued and it will be put on my Credit report. I am being blackmail for a debt that is not mine. 
I have sent Smith, Cohen and Rosenberg, LLC two certified letters. The first requesting validation of debt sent certified mail XX/XX/XXXX received by Smith, Cohen and Rosenber, LLC onXX/XX/XXXX. A second certified letter disputing the debt on XX/XX/XXXX. The second letter contain a copy of the notarized title and a letter. The second letter was received by Thank you for assistance in removing my name from this debt
Consumer complaint received 2021-05-08
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. (MO)

For You and TransUnion : I am the victim of a Brutal Criminal and STILL am. I, also, am the victim of Other Criminals. And know what I have just said is of extremely, extremely GREAT importance.
Consumer complaint received 2022-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

My mortgage loan was with XXXX  XXXX  with auto pay for monthly loan payment. On XX/XX/2022, XXXX  XXXX  informed me that the loan processor is changed and the new loan processor will be shellpoint financial and they will communicate with me, but I didnt get any notification from shellpoint financial with the new account information to make payment. I was under impression that the previous lender might have transferred all of my information until I received a certified mail stating that I was behind on my payment. 
As per the notification received by certified mail, I made payment on the same day and setup autopay for the future payments. The lender had multiple means to communicate with me like my home/cell phone numbers as well as my emails ( XXXX XXXX- the original lender, always communicates with me through email ) but I have never received any notification or voice message via those means and the lender reported me to credit report agency stating that I was late on payments. 
When I reached to shellpoint customer service, they had my contact phone # wrong and no word about any Email communication sent. 
I am very responsible person and manage my finance pretty well and have never been late in my payments. Your office can check my credit history and see that don't have any history of late payments. 

During this era of communications they had all my information from the previous lender, how come they couldnt reach me through mail, email or phone call or text.It is the negligence on the part of the lender and I shouldnt be penalized for their mistake.
Consumer complaint received 2019-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The credit reporting companies have found a way to charge customers for the free reports. You can get the report, but for score, you pay {$10.00}. 

The give you the report for free, but hold the score. You pay for the score. I paid {$10.00} for TransUnion score. 

As I have freeze on my credit report, I generate it myself and give it to the lenders. 

The lenders want score to make any decision. I am getting forced to pay the fee.
Consumer complaint received 2022-06-15
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. (OH)

I recently received a copy of my consumers report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-06-15
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. (OH)

I recently received a copy of my consumers report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-06-15
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: Experian Information Solutions Inc. (AR)

Yes I called XXXX CRA and their specialized handling department is never there to answer the phone they put me though several agents who pass me around over the phone just to get to the specialized handling department and the phones continues to hang up in my face. This means I cant get to anyone to deal with issues i am having with my credit report. I will just pursue legal action. This stems from a letter mailed to Experian and XXXX certified mail ON XXXX XXXX TRACKING # XXXX RETURN RECIEPT. EXPERIAN XXXX WITH RETURN RECIEPT ALSO. Which contained all my proof of identity and they sent a stall letter telling me they would not investigate. By law they have to and they will or they will be sued. They ARE CAUSING FINANCIAL HARM TO ME. I have sent the necessary proof of identity theft CONDUCTED FROM XXXX XXXX, ARKANSAS XXXX XXXX XXXX AND XXXX XXXX and I DEMAND REMOVAL IMMEDIATELY!!! XXXX AND Experian have conducted identity theft themselves along with the disputed ITEMS BECAUSE THEY have coerced through the alteration of XXXX XXXX XXXX a flesh and blood person to XXXX XXXX XXXX Entity or Debtor format! The attachment of this entity without any contractual full disclosure or meeting is IDENTITY THEFT IN THE FORM OF POWER OF ATTORNEY OVER MY LEGAL MATTERS IN ORDER FOR THEM TO ALTER INFORMATION THAT I PERSONALY PROVIDED TO THEM IN CONTRACT. XXXX and EXPERIAN IS TAKING MONETARY PAYMENT TO ILLEGALLY REPORT IDENTITY THEFT.
Consumer complaint received 2022-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (TX)

XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at XXXX, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2021-10-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

Company : XXXX  XXXX Account # XXXX Description : Inaccurate because the 2-year payment history for XXXX, Equifax, and XXXX are reporting different dates and inconsistent payment history for the dates between XX/XX/XXXX - XX/XX/XXXX. Also, the date last active reports XXXX XX/XX/XXXX, Equifax XX/XX/XXXX, and XXXX XX/XX/XXXX. All 3 bureaus can not be right. All reporting must be 100 % accurate.

I submitted this dispute with Equifax online on XX/XX/XXXX. And their investigation was complete on XX/XX/XXXX. Which makes me believe all my documentation submitted for evidence was not considered. Also, the Equifax upload portal is always conveniently having issues when documentation is uploaded.
Consumer complaint received 2021-10-22
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. (MD)

on XX/XX/2021 I received notification from my Credit Reporting company that someone applied for a credit card with XXXX XXXX using my name, social security and birthday and this lowered my score by 9 points and will stay on my report for 60-90 days. I contacted the credit reporting company and the credit card company to file a fraud report
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Regarding the reliability and correctness of your most recent inquiry into these accounts that are showing up on my credit report, I have concerns. The previous month as well as the month prior. Since I thought the article was not being reported lawfully, I asked for an investigation. A few days ago, I received a letter informing me that you had stopped looking into my credit reports because you thought I had employed a third-party credit repair company. I think this is a flagrant violation of the FCRA as well as a stall tactic on your side to give you another 30 days to comply with my initial request
Consumer complaint received 2021-06-10
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: ALLY FINANCIAL INC. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2022-06-15
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Client Services, Inc. (KY)

Multiple calls each week from Client Services regarding a very old payday loan debt that was discharged in bankruptcy. I have asked them to stop both nicely and not so nice and they continue to call and threaten to take me to court. Not sure of the amount, it is less than {$1000.00}. They called on XX/XX/2022 and they call once a month.
Consumer complaint received 2019-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2019 I called capital one to pay off my account they told me the pay off balance is {$1000.00} and I paid it I asked what is my balance phone prepressnative told me XXXX Now I recidved a statement bill which capital one charged me {$15.00} interests For what??????? 
I paid off according to what they told me Period ... ...
Consumer complaint received 2022-07-21
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. (WI)

I went to a dealership to apply for a car they advised they would only run my credit for XXXX XXXX but they ran my credit through numerous companies. these are the inquries XXXX XXXX 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 XXXX XXXX XXXX
Consumer complaint received 2019-03-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Payment made on XX/XX/2018, in the amount of {$200.00} and payment made on XX/XX/2018, in the amount of {$460.00} were both applied solely to the interest of the loan and not the principal. When I made the payment I asked for the money to be applied to the principal, the teller in the bank said they had no control over what the payment applies to and to call the 800 number. I contacted the 800 number and was advised that I could not pay on the principal and had to apply the payment to the interest. After speaking to multiple people, they all told me the same thing.
Consumer complaint received 2021-10-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: DRIVE NOW ACCEPTANCE LLC (IL)

The loan payment is due every other Friday. We make the payment at the time we're supposed to. The man on the loan is a truck driver so most of time he's out on the road. I accept responsibility for making on time payments. I also work and most of the time I take care of the payment in the afternoon on my lunch. Every single time on the day the payment is due we get phone calls and texts from the same bill collector regarding the payment due. I confronted him and asked why he does this when the payment is nit late. He responded with " because it's what I'm paid to do ''. I told him not to call me when the payment is not late. He responded with, " you don't pay me so I don't listen and do what you want me to do. '' I asked to speak with his boss and he said his boss wasn't there. I want something done as far as I believe this is harassment and bullying for a payment that isn't even late. When we would have been a day late at one point, he threatened us that before we got to the bank to send payment we wouldn't have a truck to pay on any longer. This needs to stop or we'll deal with this company a different way. Their practices are too overreaching, unfair, rude, non professional and nasty. They don't treat you as a human being. Then, you can't make your payment at the car lot even though they're all the same company either. You have to make it online and they charge another {$4.00} for the fee on top of your payment. It's not good business in any way.