davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-02
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)

Look guys this is ridiculous but I have accounts that are not mine, what shall I do? This fake is damaging my credit score! I field identity theft report, because probably somebody used my personal details otherwise I can no understand what happened ... Could you please give me a feedback and investigate these accounts??? I truly worry about my situation now ... I did not want this to happened therefore please after you check, delete these accounts as soon as possible!!!
Consumer complaint received 2022-05-02
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lending Club Corp (IL)

I have a loan with Lending Club and it reporting that I was 30 days twice ( 1 ) time in XX/XX/XXXX and ( 1 ) time in XX/XX/XXXX. They have corrected this twice with XXXX but now its showing on XXXX and XXXX.
Consumer complaint received 2018-02-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NM)

On XX/XX/XXXX I purchased {$200.00} of Bitcoin from Coinbase. On XX/XX/XXXX that charge cleared my bank account. Then on XX/XX/XXXX Coinbase hit my bank account again for {$200.00} ( unauthorized ). This caused an over daft in my account and left me with no money.

Coinbase is not answering the phone and the web support is unresponsive.

As of now Coinbase owes me {$200.00} and an overdraft fee.
Consumer complaint received 2023-04-07
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)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX, XXXX . XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1300.00} XXXX  XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$25000.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX  Date opened : XX/XX/XXXX Balance : {$25000.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$650.00} ( Original Creditor : ) XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$25000.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX
Consumer complaint received 2021-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I XXXX XXXX a federally protected consumer pursuant to the Fair Credit Reporting Act. did not give any Consumer Reporting Agencies permissible purpose pursuant to 15 USC 1681b to furnish any alleged debt on inquires on my consumer report. Each violation in this subchapter results in {$1000.00} for the consumer. Reporting this information is fraud and you are civil liable for all damages because of this fraudulent activity.
Consumer complaint received 2022-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-07-14
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: Experian Information Solutions Inc. (NJ)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX XXXX, US DEPT ED, XXXX XXXX  XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.
Consumer complaint received 2018-02-16
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: SYNCHRONY FINANCIAL (OH)

I have multiple incorrect and unauthorized credit inquires 1. ) XXXX XXXX XX/XX/XXXX 2. ) XXXX XXXX XX/XX/XXXX 3. ) XXXX XXXX XX/XX/XXXX 4. ) XXXX XXXX XX/XX/XXXX 5. ) XXXX XXXX   XX/XX/XXXX 6. ) XXXX XXXX XX/XX/XXXX 7. ) XXXX XXXX XX/XX/XXXX 8. ) XXXX XXXX XX/XX/XXXX 9. Synch /XXXX XXXX XX/XX/XXXX 10. ) Synch/ XXXX XXXX XX/XX/XXXX 11. ) Synch/Wal-Mart XX/XX/XXXX
Consumer complaint received 2022-02-02
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)

I am making this report on behalf of myself, the consumer, with no connection to a third party. I have repeatedly tried to contact and resolve this issue with EQUIFAX, itself but I am continually being violated. I have filed an identity theft report on two accounts, one with XXXX, and the other with XXXX XXXX. They have refused to delete this fraudulent information after several attempts by me to remove it. I have sent an affidavit of truth stating the violations they have done against me. They have refused to respond and therefore the affidavit stands as truth in commerce. I am writing this complaint to the CFPB because this company refuses to comply with my lawful demands. The failure to remove these fraudulent accounts has caused me intense emotional stress and harm. I have not been able to apply for any credit due to these wrongdoings and have been kept up late at night thinking about how my financial future. Please comply and stop violating me.
Consumer complaint received 2021-11-30
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. (TX)

XXXX XXXX XXXX XXXX has marked a late payment remark on my credit report this is inaccurate and they refuse to fix this issue. My account was set up on auto pay until i lost my job. I spoke with a rep on XX/XX/XXXX. She asked if i needed assistance because she noticed XXXX bill had not been paid. My bill is due on the XXXX of every month. I sent payments in every 2 weeks until i lost my job. 3 days after i missed my payment i set up a payment arrangement that would allow me to become current for XXXX and XXXX. My next payment was not due until XX/XX/XXXX. XX/XX/XXXX XXXXXXXX XXXX  reported my open end credit plan as 120 days late. USC 1666a states open end credit plans can not be marked as late. i mentioned that to the rep as well as the fact that i was never 120 days late. I have called and spoke with several reps and no one is willing to help. Last rep hung up on me when asking why did are they mis reporting my information XXXX told me to file a complaint and file a dispute. This is unfair to me as a consumer, my information should be reported complete and accurate. I want this information deleted from my credit report.
Consumer complaint received 2019-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

A few months ago I was checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC As require by FCRA sect. 605 ( b ) any information reported as fraudulent should be removed from the consumer credit file in 4 days. Please remove all none accounts holding inquiries and send my a copy of updated report.
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I filed disputes with this credit bureau to receive the same relief that millions of other Americans are receiving during this pandemic. For some reason, I was not given this same benefit. I would like to know why I am being discriminated against. 

I am in a debt management program. Covid has greatly reduced my income making these payments to this program ( and subsequently my payments to the creditors ) more difficult. I reached out to this bureau to have the statuses of those accounts in this program updated to " affected by natural disaster ''. The accounts were NOT updated. 

The pressure on my income and my family is the same as every other family during this crisis. I believe that I should receive the same relief as they do. 

I would like the statuses on the following companies updated to read : " Affected by Natural Disaster '' 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 2017-08-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Prosper Marketplace, Inc. (MI)

On XX/XX/XXXX {$4700.00} was direct deposited into my checking account. And I have no idea why their payment schedule begins in XX/XX/XXXX. There 's nothing from XX/XX/XXXX when the loan was taken out until the first Payment schedule posted a year later on XX/XX/XXXX. When I go into my online account and try to download my statements it says there are no statements available and that I need to download XXXX XXXX and install it to be able to see the statements. I downloaded it and opened it and a program called XXXX XXXX installed on my hard drive and I can not uninstall it no matter how much I try. The only information given about my loan is when I click the icon that shows a percentage of how much of my loan is paid of the {$5000.00} loan that was taken out on XX/XX/XXXX until XX/XX/XXXX when the installment loan ends. I went over my bank statements and I shows that at one time I paid my loan twice in one month. So all 36 installment payments are up to date and paid in full with my last payment in XX/XX/XXXX of the amount of XXXX and then again on XX/XX/XXXX of XXXX. I ask why was this amount different from my usual XXXX and she said it was interest on late fees. WHAT!!! I just made two payments which the one on XX/XX/XXXXwas not suppose to be withdrawn from my checking account because I had already prescheduled for the last 3 month payments on the last Wednesday of the month. I ask in XX/XX/XXXX to have my payments scheduled to come out on the last Wednesday of the month because it was better and easier to make them at the end of the month instead of the middle.. So my payments were supposed to be scheduled to come out that way but it became a nuisance and got all mixed up because when I talked to customer service they would tell me OK your payment will come out on a certain day and we will note it down for you. But they continued almost every month calling me and saying my payments were late or they would like they did this last payment made in XX/XX/XXXX take it out twice. Once for the middle of a month and then again at the end of the month. So when they tried to get another payment for XX/XX/XXXX which I told them I didnt owe I had to stop payment on them because they did not have my permission to withdrawn money from my checkings account. I tried to remove my bank information that they had on file and they wouldnt let me remove it. So as far as Im concerned they had no right to get in my checking account. So as of XX/XX/XXXX my balance past due is XXXX with interest, plus non-sufficent funds and late fees. In which I have proof that I do not owe.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX  XXXX Balance : {$450.00}
Consumer complaint received 2022-04-07
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. (NC)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2020-01-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NC)

in XX/XX/XXXX I filed for a modification to get help because I was behind on my mortgage I had already filed a chapterXXXX prior to that every week I called in to check the status of my modification and every time I called they asked for some more information witch I gave immediately then in XXXX of XXXX my chapter XXXX payments were raised to were I could not afford them and was informed that if I did not make my XXXX payment that my chapter XXXX will be dismissed 1 week after the chaper XXXX was dismissed I was told that the modification was denied for every option that was available witch I could not understand and asked for clarity on the situation for a appeal but received very minimal information so I submitted what I could to at least inform them that I wanted to appeal there decision but haven't heard anything from bayview loan servicing yet but I do know that they have put a sale date on my home for XX/XX/XXXX I'm just looking for help and it seems that they are only concerned with taking my home i have beenin and out of the court system since XXXX with this same situation and been getting every door closed on me with no help even though i have documents that says that i have been wronged
Consumer complaint received 2022-11-20
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. (OH)

I canceled three warranties and on XX/XX/XXXX XXXX XXXX mailed out two checks. One was for {$3700.00} and the other was {$1400.00}. On XX/XX/XXXX, XXXX XXXX XXXXXXXX received another check from the dealership in the amount of {$1700.00} for two other warranty policies that where canceled. I received two statements for XXXX and XXXX saying I have no payments due ; therefore, I did not pay for those months because I was going off the statements. This is XXXX XXXX fault and they need to take ownership for this not me. This is violating my consumer rights, and I will sue the credit agency and XXXX XXXX if not removed from my credit.
Consumer complaint received 2021-10-31
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. (CA)

In XX/XX/XXXX my vehicle was involved in a hit in run the vehicle was a XXXX XXXX XXXX XXXX XXXX the car was totaled my insurance company paid the total loss of the vehicle XXXX XXXX who paid the amount to the lender Ally financial I contacted Gap insurance I believe the claim was taken care of. One year later, I was informed by Equifax that a new account was on my credit report. Ally financial placed a balance of XXXX on my credit not only did XXXX XXXX not inform me of this balance existed. I was never informed nor was I given a chance to provide proof to the insurance company of the payoff not only did this drop my score my 60 points I spent over a year disputing this account if the insurance company did not pay the balance I should have been able to make a payment plan however this amount needs to be written off the gap insurance contacted Ally if they did not respond within the time frame I should not be held accountable. I sent numerous documents to Equifax that showed. I did not owe this balance. I believe this account was resolved it shows up on my credit report as account closed yet this is not correct. I recently found out after having my credit report ran several different times that this account is showing up as a negative remark and this has caused me not to be able to get financed for a vehicle. I spent countless time building my credit and XXXX XXXX has caused me great hardships and embarrassment. I work on on building up my credit there is not a lending company that will finance me unless the payment is extremely high. I spent a year trying to remove this mark off my credit report XXXX XXXX has bullied me and ruined by credit I've been trying to get my credit back since this incorrect has been placed on it.