davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (SD)

Credit freezes should be free and easily used via the internet or an automated telephone line.
If I can transfer money via bank accounts using the telephone and internet, I should be able to freeze and thaw my credit the same way. 

The recent hack of XXXX and subsequent bad behavior by other credit reporting agencies shows that government oversight of this area is necessary immediately. I should have more control over my data on these services that are an important part of modern life. I must have the ability to freeze and thaw my credit at will, without paying a fee each time.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD)

Credit freezes should be free and easily used via the internet or an automated telephone line.
If I can transfer money via bank accounts using the telephone and internet, I should be able to freeze and thaw my credit the same way.
The recent hack of XXXX and subsequent bad behavior by other credit reporting agencies shows that government oversight of this area is necessary immediately. I should have more control over my data on these services that are an important part of modern life. I must have the ability to freeze and thaw my credit at will, without paying a fee each time.
Consumer complaint received 2022-03-10
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. (TX)

XXXX is reporting a charged off account to my consumer report. A 1099c has been issued and the account is canceled debt. The account is gross income and Income can not be reported to a consumer report per federal law. XXXX XXXXs furnishing inaccurate and incorrect information to consumer reporting agencies. The reporting of such information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. Also, there is no permissible purpose. I have not given verbal or written consent to any consumer reporting agencies to report on my consumer report. Delete these accounts immediately from my consumer report.
Consumer complaint received 2017-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently checked my credit and I noticed my reports for TransUnion,   XXXX   and  XXXX  contained inquiries from companies to which I did not grant permissible purpose to pull my report for any reason. I have no idea how they could have gained access to my information without my consent but it is damaging to my credit and I want them removed. They are as follows :  Trans   Union  :     XXXX   XXXX   -  XX/XX/XXXX    XXXX   XXXX  - XX/XX/XXXX    XXXX   XXXX  - XX/XX/XXXX    XXXX   XXXX  - XX/XX/XXXX    XXXX   XXXX  - XX/XX/XXXX   XXXX  :   XXXX   XXXX   XXXX  - XX/XX/XXXX    XXXX   XXXX  -  XX/XX/XXXX    XXXX   :   XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX  I  also thin k that it is strange that the multiple pulls from  XXXX  and   XXXX   XXXX   were p laced on several different dates.
Consumer complaint received 2017-07-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (AL)

This account is reporting on my XXXX credit report for {$96.00} contract date X/2014. I have never been notified of this debt and I have never entered into a contract for services with CCS Collections. I have requested this debt to be verified and validated and I have never received either.
Consumer complaint received 2022-01-05
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. (GA)

I had an account with XXXX. Several years ago the card information was stolen and used for fraud. Account number XXXX I filled out the forms for fraud with XXXX and they agreed to remove the balance from my file and change the status to current. They have not done this. I have disputed this information with all three bureaus and it remains.
Consumer complaint received 2024-02-16
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: EQUIFAX, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

Our law firm uses Citibank N.A. for our banking. There are only two signatories on our account. Citibank negotiated a check made out to someone who has no signing powers on our account. The check was signed by this same person. We don't know who he is but suspect he is an employee of the shredding company that had that very day picked ; up boxes of documents from us fro shredding, including blank checks. 
Citibank very officially opened a fraud investigation and just closed it, claiming we had not lost any money. I want them to investigate how the bank permitted this non-signatory to submit a check for payment to himself. We also think that the bank should have referred the matter to the police.
Consumer complaint received 2019-10-28
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. (CA)

I tried to call Experian on XX/XX/XXXX. On two different phone numbers. ( XXXX ) XXXX. And ( XXXX ) XXXX. I realized that on my credit report I have 4 inquires that I never did. 1 from XX/XX/XXXX from XXXX. 1 from XX/XX/XXXX from XXXX. 1 from XXXX XX/XX/XXXX. And one from XXXX XX/XX/XXXX. To dispute online it says it is not possible and to call so I called an couldnt reach a representative. So I XXXX XXXX   experian. And tried calling the second number. And again couldnt get ahold of experian. Experian is making it impossible to fix my credit. I previously in XXXX spoke with XXXX who said the inquiry will be removed. And these new inquiries are even more confusing as I never applied for them.
Consumer complaint received 2017-12-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

Bitcoin and Coinbase in conspiracy with one another to commit schemes to defraud investors into a digital currency investment have committed wire fraud. Coinbase app states " invest your money. '' I invested my money by wiring money into their business account. I have yet to get a settlement of funds verification from their ACH I sent to Coinbase and they never returned my funds by wire and it been over two months and never got my return wire transfer.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I recently pulled my credit report, and noticed my information was exposed in the data breech the following errors are reporting on my consumer report : Inaccurate personal information, Unauthorized inquiries, and Inaccurate reporting on my XXXX  XXXX and XXXX XXXX Account. Please investigate and update as they are causing adverse harm to my credit report and good character : A dispute was mailed out to the company certified mail ( XX/XX/2024 XXXX # # XXXX ) I have attached valid copy of Passport, Social, and utility bill with my current ant only address. The only address that should reporting is : XXXX XXXX XXXX XXXX XXXX, FL XXXX The following accounts which needs to be verified, updated and deleted are : XXXX XXXX XXXXXXXX XXXX} - Inaccurate Reporting. Update balance XXXX}. Account has been PAID IN FULL. 
Unverified late payments reporting. I request you provide of these alleged late payments. 

XXXX. XXXX XXXX XXXX XXXX XXXX. Update balance to XXXX  PAID IN FULL enclosed is confirmation. 
Unverified 11 late payments reporting. I request you provide of these alleged late payments. 

Please see attachments sent to company. All letters have been sent certified mail and return sender. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. In violation of 1 Section 604 15 U.S.C. 1681 B, Section 605 A 5 U.S.C. 1681 C-1, and Section 605 B 15 U.S.C 1681 C-2. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. Therefore, if you are unable to provide me
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

The major credit reporting agencies currently charge consumers for a credit freeze. 

It is unconscionable that these companies use our personal information without consent, and do not properly protect the data in their care ( see the recent XXXX breach ), and then charge us to freeze our credit reports. 
All credit report freezes/unfreezes should be free, especially in the light of the recent XXXX breach that put 140 million people at risk of identity theft. Credit reporting agencies should n't be able to profit off of their own negligence by charging their unwitting and unwilling consumers for a credit freeze/unfreeze.
Consumer complaint received 2017-07-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

I pay a person have service online and trues to get back to help get a reply anything never answered keeps ignoring me furthermore more told me to deposit  XXXX  dollar send him and kept my money ik its not nuch but seriously its better to keep this people away from keep doing it at paypal got scammed
Consumer complaint received 2017-11-15
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

In XX/XX/XXXX we remortgaged our home with Fifth Third Bank. At the closing we were presented with a mortgage insurance. We were told that this was necessary. Our credit was not bad by any means. But we do own our own business and the debt ratio was a little high. ( we were told ). We were told that the mortgage insurance would drop off at 80 % automatically. Or five years which ever came first. I have called every year wanting to know when that would be and was told not to worry it is automatically. 

In XX/XX/XXXX, after numerous called and was given several different answers, was told that I needed to but this in writing. I immediately did so on XX/XX/XXXX. I called two weeks and was told that they did not get it so I re-sent it again on XX/XX/XXXX. I was told that they would go back and reimburse me. 

I called XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. The last call I was told I would not be reimbursed and am still getting charged the mortgage insurance to date.
Consumer complaint received 2019-10-28
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. (DC)

I noticed a derogatory entry on my credit report, and called the company listed. It was a collections company, seeking payment on an XXXX XXXX XXXX account in my name. Someone opened up a phone line in my name, using my social security number - back in XXXX of 2019 and stopped paying on the bill. They owe about {$1500.00}. I called the collections company, XXXX XXXX XXXX, who insisted I file a complaint with you all as well as contact XXXX XXXX XXXX. I've reached out to XXXX XXXX XXXX and am awaiting whatever action they decide to take. This is a completely fraudulent account in my name and it should be removed from all of the credit reporting companies ' records of my financial behavior.
Consumer complaint received 2019-10-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

After my father 's death, I tried to sell his house but only to find out there is a lien ( {$79000.00} ) from XX/XX/XXXX. The loan was refinanced through Wells Fargo in XX/XX/XXXX but they never sent the appropriate records to the XXXX County Courthouse. Now, the mortgage is with XXXX XXXX XXXX, XXXX and they started the foreclosure procedures. Ive contacted them for direction on to get a letter of satisfaction from Wells Fargo. They recommended I hire a realtor. That makes no sense. HELP! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( parcel XXXX ) Amount : {$79000.00} Instrument : XXXX XX/XX/XXXX Recorded XX/XX/XXXX This mortgage is re-recording of mortgage instrument XXXX satisfaction on XX/XX/XXXX. Instrument XXXX for Instrument XXXX only. 
Mortgage Instrument XXXX still remains open. 

Instrument XXXX XX/XX/XXXX Recorded XX/XX/XXXX Amount {$85000.00} Assigned to XXXX XXXX XXXX XXXX XX/XX/XXXX Instrument XXXX
Consumer complaint received 2017-07-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

Chase 's poor service and actions have led to credit score being below XXXX. Chase long drawn out process affected getting loan refinancing and loan modification causing great hardship. Chase also had me pay off and close XXXX XXXX to apply for loan refinancing which also negatively affected my credit. I had a cosigner that is a XXXX XXXX and had more income {$75000.00} than I owed on my loan. Chase never can be reached calls go to voicemail!!
Consumer complaint received 2017-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have an Inquire from XXXX XXXX on XX/XX/2017 which I do not recognize. I did not and have not approved this in any manner. This information was reported incorrectly on my credit report and is affecting my score. 
The inaccuracy has had negative effects on my score and consequently on my relationship with creditors. I am requesting that the item be removed.
Consumer complaint received 2019-10-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am a co-borrower on a car loan, my husband is the primary. The vehicle was awarded to me in a divorce settlement which I had previously made Capital one aware of and updated the address for the vehicle to my address. When the loan was paid off I was due a refund. I contacted Capital one prior to them issuing the refund check to verify that the check will be issued to me and mailed to my current address. Capital one assured me that this will be done. However, Capital One later issued the check to the primary holder and mailed the check to his address. I was told that no one had changed the address in the system even though I was told that this was done. I have not been able to get clear answers from Capital One despite several attempts to contact them regarding this matter
Consumer complaint received 2019-10-28
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Harris & Harris, Ltd. (DC)

Over the summer I received a phone call from someone at Harris and Harris looking for my husband. They FAILED to identify themselves as a debt collection agency. They asked to speak to my husband ( it was my cell phone ) and I said they had the wrong number. When I asked what it was concerning, they hung up on me. I called them back to find out what it was about and they hung up on me again. I finally was able to speak to someone and they said it was medical debt but they could only speak to my husband about the bill. Turns out it was actually a bill for my son for an ER visit I had taken him too. The hospital had been sending the bill to the wrong address and then turned it over to collections. The bill was a co-pay I tried to pay the night of service but they wouldn't accept payment.
Consumer complaint received 2024-01-29
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

hi sir I book car for one week rental throw XXXX XXXX XXXX on XX/XX/year> and next day I diside to cancel booking budget car I got they also charge my card {$21.00} when I cancel booking I also call XXXX XXXX customer service .for cancellation. but when I receive my bank statement XXXX XXXX still charge full week price {$450.00}. I call my Bank of America explain all the matter and start dispute my bank give me temporary credit in my account .after two month I see my bank take money back to my account. now they ask me money {$450.00} for no reason because I not use the sevice. please help me this matter .thank you so much.
Consumer complaint received 2017-11-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I applied for the Hardship Program that USAA apparently offers, and was declined. They stated that our DTI was to high to be approved. We are currently paying {$450.00} a month with an interest rate of 10.1 % and have always remained current with our loan. We are struggling however making our minimum payments on everything and have no money at the end of the payments to buy food for our family. I assumed and the way the rest of creditors work is that a hardship is for people who are having a hard time making their payments. So would our DTI being to High indicate a hardship? Yet, the declined us to help with reducing our interest rate to lower the monthly payments they approved us for borrowing more money to add to our debt!! Makes no sense to me. Instead, we have to go through a Debt Credit Counseling Agency to get on a DMP to reduce our rate down to 3 %. Why is that USAA is willing to work with DMP plan not work directly with their customers? Terrible company and plan on never banking with them again. Very disappointed in how they treat XXXX XXXX military.
Consumer complaint received 2024-01-29
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: Experian Information Solutions Inc. (FL)

I have been having issues with the credit bureaus in the past due to not having a social security number, my passport number has been associated as a SSN in the past by mistake. I eventually got my ITIN, and finally a SSN in XX/XX/2023. I have been correcting my credit reports with all credit bureaus and found out there has been multiple credit reports with different SSN. 
I am aware and confirmed at least one additional credit report using my passport number as a social security number with Experian, I have called dispute department several times and they won't help, or understand my issue. 

I have already contacted all my creditors and updated my social security number almost a year ago. 

It's not fair my credit history is in an old credit file and not in my current report with social security number. 

Please see attachments for cover letter and supporting documentation.
Consumer complaint received 2017-11-16
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (UT)

Wells Fargo was the servicer of our mortgage until the first of this year, when they transferred the servicing to XXXX XXXX XXXX. When we started receiving statements from XXXX it was clear that XXXX 's accounting was incorrect regarding the principal balance. We spent countless hours with XXXX trying to correct the errors, only to come to the conclusion that they really couldnt make sense of the mortgage history they adopted from wells fargo and referred everything back to Wells Fargo. On XXXX XXXX, 2017, i requested a mortgage history from Wells, and am still waiting for that, after many calls and requests. They say they are working on it, but in the mean time i have missed the selling season on the house and have incurred much XXXX and other damages.
Consumer complaint received 2017-11-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION (VA)

Used my card for a vending machine and was charged over 150.00 in overdraft charges. When I called to help resolve the complaint and explain that I am a XXXX XXXX and do not have XXXX dollars to pay for overdraft fees, they said they could not do anything and would have to take me to collections over the charges. When tried asking for a payment plan, they denied the option and said they would not work with me. I proceeded to ask for a representative who could help and they said it was BBT policy. I am a XXXX XXXX that is not able to pay that much in overdrafts and still be able to pay bills. BBT will not work with me in this situation.