davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I was a victim of the XXXX XXXXXXXX XXXX  I want these items deleted from my credit reports, As you can see, the CFPB actually deleted these accounts because I was victim of this data breach so I expect you to do the same immediately, Here is the proof that I was in fact a victim of this XXXX XXXXXXXX XXXX  as you may know you deleted these accounts from my credit reports because you saw that I was a victim of this data breach now XXXX and Experian refuse to delete these items from my credit reports please delete them immediately as I was victim of this XXXX XXXXXXXX XXXX Account Removed 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 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 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. (AL)

I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.
Consumer complaint received 2021-09-09
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: LEXISNEXIS (TX)

I have been going back and fourth with Lexis Nexis and the bankruptcy they are reporting on my credit report. The first complaint I filed with them they said it was a matter of public record, BUT there is no such thing as public record because I, the consumer, have a right to privacy 15 USC 1681 ( a ) ( 4 ). They also stated they investigated it but 15 USC 1681a ( e ) states that they need to interview my personal associates as well as not include factual information. Additionally, the bankruptcy court already told me that they do not furnish anything to consumer reporting agencies. After the first complaint I filed they said they needed more of my identification information. So I sent them a copy of my social security card in addition to identification papers they sent me.They responded by sending me a copy of my consumer report on XX/XX/XXXX. They are in clear violations of these laws, and they have yet to resolve this issue.
Consumer complaint received 2017-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

PURCHASED  XXXX  USED  XXXX   XXXX   XXXX  FROM  XXXX    XXXX    XXXX  IN  XXXX  GA,  XXXX   XXXX . HAD ALOT OF PROBLEMS WITH VEHICLE AFTER DRIVING OFF LOT, THAT WERE VERY DANGEROUS. THOSE PROBLEMS WERE FIXED. NOW, THEY HAVE N'T REPORTED TO  XXXX  FOR 3 MONTHS AS AGREED IN CONTRACT LAST YEAR. THERE IS A CONTINUIOUS PROBLEM WITH THEM REPORTING THE WRONG AMOUNT OF PAYMENT DUE WHICH IS SUPPOSED TO BE  XXXX . THEY HAVE BEEN REPORTING  XXXX  AND  XXXX  WHICH MAKES MY DEBT RATIO 58 % AND HIGHER!! AND ALSO THE AMOUNT IS INCORRECT ON ALL THREE BUREAUS. THE AMOUNT I OWE IS ALSO INCORRECT ON ALL   XXXX   XXXX  . I HAVE BEEN TRYING TO CLOSE ON A HOUSE FOR A WHILE, BUT WAS DELAYED BECAUSE OF LIFE THREATENING HEALTH ISSUES. NOW, I 'VE BEEN DEALING WITH  XXXX  AND  XXXX   XXXX  FOR OVER A YEAR, AND  XXXX  IS VERY RUDE DISRESPECTFUL ON THE AVERAGE. AND WILL NOT COOPERATE. NEITHER  ONE  HAS CORRECTED THE PROBLEM OR NOT RETURNING A DOZEN PHONE CALLS. THIS COMPANY HAS CAUSED MY INTEREST RATE TO INCREASE FOR THE PROPERTY BECAUSE OF THEIR NEGLECT. THIS ONGOING ISSUE HAS SEVERELY AGGRAVATED MY ILLNESS, AND CONTINUES TO ON A DAILY BASIS.  XXXX  WHO WORKS WITH  XXXX   XXXX   {  LAWYER } FOR  XXXX   XXXX   XXXX  IN  XXXX  GA. I AM RETIRED   XXXX    XXXX  AND  XXXX   XXXX . HAVING  2    XXXX   XXXX  .  XXXX  ON   XXXX   XXXX   AND   XXXX   XXXX   14 MONTHS AGO.. THEY ARE SERIOUSLY AGGRAVATING THIS HEALTH ISSUE. YOUR HELP IS GREATLY APPRECIATED. I AM SEEKING RESTITUTION..  <P/>  XXXX ,.
Consumer complaint received 2020-10-20
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. (MI)

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, Experian shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : DPT ED/XXXX  Account # : XXXX Account Name : DPT ED/XXXX  Account # : XXXX
Consumer complaint received 2018-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I need the assistance of the Consumer Financial Protection Bureau with the issue that I am facing. For the past couple of months, dozens of inquiries have been added to my credit report that I have NOT authorized. A scam company called " XXXX XXXX XXXX XXXX '' has been using my personal information and sending it out to several outside sources to pull my credit. I have not signed any documents or applications to cause more than 100 inquiries to be made on my XXXX report. They initially sold me on the promise of helping me start a business but nothing ever became of that. I requested a Cease and Desist months ago and contacted them again this past XX/XX/XXXX but that has not stopped them from sending my information out and causing more unauthorized inquiries to be made on my credit. The person who was in charge of my account at XXXX XXXX XXXX was called XXXX XXXX. I am including a copy of the email I sent to his company requesting a Cease and Desist. I  have discovered that they are still causing more inquiries to be made with other companies I have not requested to work with. I am considering taking them to court and suing them but I also need XXXX to delete ALL unauthorized inquiries. I also will need a fraud alert to be added to my credit as my information has been compromised by this scam company.
Consumer complaint received 2018-01-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

I sent a wire transfer FROM Coinbase TO XXXX XXXX on XX/XX/XXXX, for {$14000.00} withdrawing money from Coinbase. 

Coinbase has sinced processed 2 wire transfers FROM XXXX, but has not processed my outgoing wire. The support team has not helped me on this issue depsite repeated attempts.
Consumer complaint received 2017-12-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF THE WEST (CA)

In mid XX/XX/XXXX a check was unexpectedly bounced. Upon logging in to online banking it was discovered that 11 forged checks amounting to {$4700.00} were cashed each of which had a forged signature. We promptly notified the bank and visited the local branch in XXXX XXXX California. The staff provided us with 11 packets to claim the fraudulent activity and additionally instructed us to return the documents along with a police report and a notary stamp on each packet ( one for each forged check ). The banks notary informed us that my drivers license was expired and I would need to obtain a new copy before notarization woyld be feasible. Over the course of the next few months I was able to get the documents notarized and returned to the branch on XX/XX/XXXX. During the course of this time we continued to stay in contact with bank staff who regularly and casually mentioned to bring the document in at our convenience, however upon submitting, the branch manager informed that the docs were now past the '90 day due date ' and would likely be declined. About a week later they further informed that it was not 90 days but rather 60 days window for submitting and that we should have been aware since this is mentioned in their sign-up package. Furthermore they explained that the bank where the the thief cashed the checks would need to refund them ( Bank of the West ) the stolen money and placed responsibility on the paying institution. The sum of XXXX XXXX dollars is a significant amount of money for a family. Bank of the West treated this event ( the theft and their failure to block forged checks ) as a minor blip in day-to-day protocol. They take zero responsibility for thebfailure of their services and show disregard for the fact that a criminal has compromised the system. They demonstrate a complete lack of urgency or regard for the protection of consumer 's hard earned money and have put a family in a situation where mortgage can not be paid. In the opinion of this customer I wonder what the purpose idea check is considering how easy it is to forge a signature and cash nearly XXXX XXXX dollars. The bank should have made it abundantly clear that a deadline was approaching and coached us through the process of refunding our money that they paid out to a criminal. Their actions indicate that theft is easy and will only contribute to increased theft of checkbook and forgeries. The bank is insured and has multiple means of recompensation - the consumer is left to perform their legwork, incurr the costs of notarization etc meanwhile they continue to operate at the lowest possible standards. We need our money refunded without hesitation and ask only for our money at this point - we are willing to put aside the mental anguish this has caused and would like to suggest that Bank of the West promptly rectify this situation.
Consumer complaint received 2018-01-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Simon's Agency, Inc. (NJ)

SIMONS AGENCY continues to harass me by reporting unknown medical debt to all 3 credit bueaus they add several small value allelged debts they hang up on you when you call them I have no knowledge of these bills this is obviously fraud
Consumer complaint received 2024-01-30
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. (AZ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-30
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)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2019-10-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MI)

XX/XX/XXXX XXXX XXXX Debt collection of {$4500.00}. This is not nor was it ever my debt. This is not my account. 

XX/XX/XXXX XXXX XXXX XXXX XXXX collection of {$190.00}. Again, this is not or nor was it ever my account.
Consumer complaint received 2018-01-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSWORLD SYSTEMS INC (OK)

Student Loan : XXXX XXXX ( XXXX XXXX and XXXX ) My student loan was originally XXXX in 10 years it is now XXXX dollars. I was never made aware of the interest that it had accumulated throughout the years. They filed a garnishment against me 6 times and even garnished my bank account, while a payment was already settled in court. It has brought me to change jobs, financial difficulties, almost evicted, lights shut due to the garnishment in my bank account twice. They failed to get a hold of me even after I asked them if there is another student in records. They even attempted to take hold of property, which I do not even own. I was never aware of a lot of things when they attempted to garnished. I was never provided any documents as to why I owed such a large amount. Back in XX/XX/XXXX & XX/XX/XXXX I was served at home with documents to show up to court, but at that time I was in school. My student loan was made on XX/XX/XXXX & 2008. I was confused as to why I was served with an XXXX debt in XX/XX/XXXX & XX/XX/XXXX? Please help, this has caused me XXXX and stress. 

My hopes are my case will be part of the action lawsuit that was issued against them on XX/XX/XXXX. Thank you
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I discovered that I was a victim of identity theft due to my phone being stolen, the thief hacked into all of my bank accounts, made payments and pretended to be me. All of my bank accounts and savings were wiped resulting in negative information on my credit reports, I was also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have been disputing this for almost two years now, I have not been able to work full-time due to XXXX XXXX XXXX XXXXXXXX and XXXX XXXX due to this burden and I have struggled to get housing due to this issue on my credit reports and housing being full. I want this issue resolved ASAP and to have a normal life again.
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (FL)

I filed a complaint against XXXX on XX/XX/XXXX. I am reaching out today Wednesday, XX/XX/XXXX, regarding the same issue of an incorrect XXXX code that was reported on my XXXX credit profile. I want CFPB to note that this is the fourth time complaint now that I have filed against XXXX for the same exact issue which still has not been corrected. I am respectfully requesting that CFPB recognize that XXXX is not resolving issues but creating more problems. I am due to close in a few weeks and need this matter expeditiously resolve. It is frustrating that I have already submitted three previous complaints for the same exact issue with the last complaint dated XX/XX/XXXX Report # XXXX, and prior to that was XX/XX/XXXX - Report # XXXX. 
We noticed the issue when my mortgage company pulled my credit on XXXX XX/XX/XXXX, it was the same exact information as the previous report pulled dated XXXX  XX/XX/XXXX. Nothing was changed or properly updated by XXXX and still has not as of this date. XXXX report still shows the final reported XXXX XXXXodes from being in this year ( XXXX ) on all of the reports that were pulled ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) which meant nothing has been changed or properly updated. I am scheduled to close by XX/XX/XXXX. This is time consuming and extremely frustrating. Therefore, I am once again reaching out to your Organization ( CFPB ) to help me expeditiously resolve this issue regarding an incorrect XXXX  code that is still being reported on my XXXX credit profile. 
I am unable to obtain an approval through their automated underwriting systems due to the multiple 120-day late markers for the months of XXXX and XXXX. My issue is that XXXX, second mortgage ( along with my first mortgage - XXXX  ) were closed and transferred in XXXX and XXXX respectively. In XX/XX/XXXX, the house was sold in a normal sale and the third mortgage ( Shellpoint ) was paid in full and closed. Below is a snip from my credit report showing XXXX and the negative reporting that cycled for XXXX. Following the XXXX is a snip showing both XXXX and Shellpoint and the negative reporting that cycled in XXXX. I was told that by XXXX, the third-party vendor my lender used to pull my tri-merge credit report, that when an account is closed the final XXXX  code reported should not be anything other than a XXXX. XXXX reported a 60 day late in XX/XX/XXXX ( was not on prior to XX/XX/XXXX ) - Account closed and transferred in XX/XX/XXXX XXXX and Shellpoint both reported 120 day late marker in XX/XX/XXXX ( again, nothing prior to XX/XX/XXXX ) - XXXX closed and transferred XX/XX/XXXX - Shellpoint closed/paid in full after sale on home XX/XX/XXXX.
Consumer complaint received 2019-05-11
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (AZ)

A company, XXXX XXXX, charged my card 3 times on XX/XX/2019 in the amount of {$190.00} each time. JP Morgan/Chase approved the charges. I received a call from XXXX XXXX telling me the charge did not go through on my account and asked for an additional credit card. Before providing another credit card information, I checked my account and found the 3 charges. I requested XXXX XXXX to reverse the charges and to cease charging my account. I informed them, in writing via email, that I revoke any authority of charging my card. 

I contacted JP Morgan/Chase at XXXX and spoke with a representative - XXXX. She refused to help me so I asked to speak with a supervisor. XXXX in XXXX, MO answered the line and refused to help. 

Chase 's solution is to allow the fraudulent charges to complete on my account and then I am to contact Chase to again dispute the charges and they will review the situation at that time. 

I informed XXXX that the charges are fraudulent and should be removed. He said that he can not do that. I explained that he was supporting fraud and NOT protecting his client. His response is that he understands but he can not do anything. 

In the interim, I must allow a company to charge my card, receive fraudulent funds, and then dispute the charge with Chase Bank. 

With this type of service, it is not surprising thieves thrive. 

I am very upset about Chase 's response to reported fraudulent activity - and their refusal to protect their clients.
Consumer complaint received 2017-12-29
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: WELLS FARGO & COMPANY (FL)

I found unknown charges in my business account at the bank that services my business in small amounts as debits in the mount total of {$780.00} when I questioned the debits was told they were charges from a XXXX XXXX that had been paid and were not to be contested or refunded to me. Since I had not applied nor received a card statement or any record I found out XXXX is a card service of Wells Fargo Bank I found a phone number XXXX XXXX XXXX I called and spoke to a XXXX XXXX who told me was going to E Mail me account agreement, statements etc. but I never received it, I called again and spoke with the same request to a XXXX XXXX who said was sending me the requested information but after several weeks I had not received the information. 
So at this point I believe I have been defrauded by both banks. 
,
Consumer complaint received 2018-01-02
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: Onity Group Inc. (GA)

My mortgage account is not reflecting correctly on my credit reports, XXXX is showing my account as closed after numerous disputes and documentation sent to prove account is open still no resolution account still showing as closed, contacted my mortgage company they stated that they are reporting the account correctly.
Consumer complaint received 2018-01-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

cant give me information ... chargered me XXXX, cant cxl subscription. my credit score dropped 65 points in one shot and no one can tell me why ... Its a joke
Consumer complaint received 2022-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

This does not belong to me and is fraudulent, the company XXXX XXXX XXXX XXXXXXXX for {$120.00}, I've tried to reach the company and I've been ignored. I have received no response in 60 days in regards to this inaccurate account.