davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-18
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. (CO)

Equifax and XXXX are reporting me 120 days past due on XXXX - partial account number XXXX. XXXX is reporting me 120 days past due on the XXXX - partial account number XXXX. These accounts reflect a {$0.00} balance and {$0.00} past due status. It is impossible to be 120 days late on accounts that have a {$0.00} balance and {$0.00} past due amounts. I have contacted the two bureaus to have this fixed. This incorrect reporting is harming my credit score.
Consumer complaint received 2018-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (HI)

Experian Credit Report Company. They claim free credit report. When your alerted to a problem, your told to check your credit report and every time there has been no problem. What happens when you order your {$1.00} Credit repor and FICO Score you begin a 7 day trial membership. If you don't cancel within the 7 day trial period, you will be charged {$21.00} per month that you continue membership ( my charges have been {$2400.00} per month ). I tried to cancel many times but you can not get in contact with anyone. Phone calls are not answered, only put on hold. This has been going on monthly since XX/XX/XXXX ( {$190.00} ). Again, I have tried several times to cancel the so called membership but no answer per emails or website. This is truly a scam and needs to stop. I'm not alone as you can read below taken from Experian reviews taken from the Web : XXXX of XXXX, NY Verified Reviewer Original review : XX/XX/XXXX They trick you into ongoing membership and it's nearly impossible to cancel - they put you on hold OVER AN HOUR! Just filed a complaint with the Consumer Finance Protection Bureau. Supposedly they will investigate and contact them. Please file a complaint here https : //www.consumerfinance.gov/ and  maybe something will be done! 

XXXX of XXXX, MA Verified Reviewer Original review : XX/XX/XXXX Same story as everyone. I paid for a credit report and randomly discovered charges to my credit card from Experian. Now I get to wait on the phone for >2hrs to cancel the membership I didn't want, I didn't know I signed up for, and that I need to waste a lot of my time untangling. Absolute **. Absolute scam. And, absolutely no surprise that everyone else has nothing but horrible things to say about Experian. 
XXXX of XXXX, OR Verified Reviewer Original review : XX/XX/XXXX XXXX of XXXX, OR Verified Reviewer Original review : XX/XX/XXXX To get a credit freeze, after the big XXXX data breach, Experian asked for a lot of information, and then at the end of the filling out info turns out they were trying to SELL me not help me, for $ XXXX/month. I called in the very day and after being on hold for a very long time, they told me they cancelled it, which they did not, and I've been charged ever since XX/XX/XXXX. When I called and complained they said they would cancel me -- but remember they already did that in XX/XX/XXXX, and they offered to give me a month of the more than 80 they charged me. VERY bad customer service, and unfair billing practices. Not a happy customer, and sounds like I am not alone.
Consumer complaint received 2017-08-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (TN)

Paid off loan in XXXX -- Have not received the Title. Talked to JP Morgan / Chase 6 times. Long story short lots of promises still no title.
Consumer complaint received 2019-03-18
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. (GA)

filed an complaint with CFPB in XX/XX/XXXX, Complaint # XXXX against XXXX XXXX XXXX, On XX/XX/XXXX I received an response from XXXX XXXX XXXX via CFPB, stating that all three credit companies would be updated to " Paid in full '' and never late. I applied for a credit card today and learn that their is still a charge off on my credit reporting from XXXX XXXX XXXX. I had spoken to a manager with XXXX XXXX XXXX in XX/XX/XXXX and made them aware that the information had not been removed for my credit and was informed that it was removed. I spoke with XXXX today XX/XX/XXXX and was informed that the charge off is still reporting and an additional inquiry was added to my credit from XXXX XXXX XXXX, which they were not authorize to place an inquiry on my credit. 

I have attached a copy of the first and second response from XXXX XXXX XXXX
Consumer complaint received 2018-02-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

Made purchases on XX/XX/XXXX for {$150.00} and XX/XX/XXXX for {$300.00} with my debit card on Coinbase. Transactions posted and went through. On XX/XX/XXXX the same amounts were charged again without my authorization and posted ( they are not pending ). Hundreds of other people have been having the same problem and no one can get in touch with Coinbase support.
Consumer complaint received 2024-02-27
Product: Credit reporting 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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 XXXXXX/XX/XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Avant Holding Company, Inc. (AL)

I got a email about a loan in the amount of XXXX from this company so I called and they wanted me to allow them to deposit money in my account then to send it back by XXXX they wanted my login names and passwords to my checking account I declined the loan because it just doesn't set right with me allowing to send money then they want me to send it back
Consumer complaint received 2023-01-23
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. (AZ)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX  XXXX Balance : {$0.00} ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i have contacted all XXXX credit bureaus as well as XXXX XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see circled,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$9200.00} balance and it is also reporting a high credit and a past due ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the XXXX XXXXr history it is not uniform across the board which it should be ... terms of XXXX  months is also being reported on a " charged off '' account ... .look at the XXXX XXXX  history as well ... there are so many inconsistancies
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: Experian Information Solutions Inc. (PA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 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 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: Experian Information Solutions Inc. (CO)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXXt Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. And all listed collection accounts listed above should be removed from my credit profile immediately. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written consent or instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-02-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCC Business Services, Inc. (PA)

My son ( XXXX ) fianc ( XXXX XXXX XXXX  ) and my self lived in a two bed room town house that we were renting. The bathroom leaked and we had a flood that went through the ceiling to the first floor the flood was serious and XXXX  from the bathroom went through the ceiling as well. Instead of them fixing the problem they just brought fans in and cut the ceiling out. That night we had to sleep at a family members house. They told us the next day that they fixed the problem so we came back but had a family friend who does work in that field expect the house due to my fianc being XXXX XXXX XXXX and my son having bad XXXX. He checked the house out and stated the house has a lot of mold due to the problem not being fixed they just patched it up. I spoke with the office and he told them the concerns and health hazards that could occur. My fiancs doctor told her it wasnt safe for her to stay in the house due to Mold. Again we slept at a family members house for them to try to fix the problem we came back and they just were making excuses of why it wasnt fixed. I gave them a two week notice due to it being a health hazard for my XXXX fianc and son and they stated they were in agreement and recently we got that place on our credit
Consumer complaint received 2018-02-21
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. (IL)

Public records on credit reports are invaild and all three credit bureaus refuse to remove them ; they have not furnished me the source of where this invalid information is coming from and its all wrong the date filed, dismissed, amounts, reference numbers are all wrong ; I have request validation from court houses and was advised they do not valid public records for consumers or credit bureaus ; I have disputed this information and have not been processed correctly Child support should not be on reports at all and the bankruptcy isn't valid failure to remove will result in civil case such as Civil Case # : XXXX XXXX XXXX v. Equifax and child support violates Public Law 805-C3. need bankruptcy and all 3 child support accounts removed.
Consumer complaint received 2018-02-21
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. (IL)

Public records on credit reports are invaild and all three credit bureaus refuse to remove them ; they have not furnished me the source of where this invalid information is coming from and its all wrong the date filed, dismissed, amounts, reference numbers are all wrong ; I have request validation from court houses and was advised they do not valid public records for consumers or credit bureaus ; I have disputed this information and have not been processed correctly Child support should not be on reports at all and the bankruptcy isn't valid failure to remove will result in civil case such as Civil Case # : XXXX XXXX XXXX v. XXXX and child support violates Public Law 805-C3. need bankruptcy and all 3 child support accounts removed.
Consumer complaint received 2018-02-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

LoanCare has collected funds for XXXX XXXX XXXX XXXX. Since XX/XX/XXXX. In XX/XX/XXXX Loan Care messed up the loan and they admitted to their mistake. the payment was XXXX there increased to XXXX.monthly claim had no flood when did have flood. I had flood with Selective which is automatic renewable. I was making XXXX monthly payments then in XX/XX/XXXX they return check and stopped all payments. I was able to make 2 more payments over the phone when was helping to fix. Then that stopped. It took them 18 months to fix. 

The original Loan was {$110000.00} payed down to {$100000.00} in the process was forced to go through Mitigation so not to lose my home. The results of the new loan is {$110000.00} and increased interest. I have made 2 payments under the new loan now which is XXXX making XXXX payments. 

The escrow statement sent on XX/XX/XXXX shows the Flood insurance payment in XX/XX/XXXX for the correct amount. Then got letter on XX/XX/XXXX that insurance expires on XX/XX/XXXX and that the insurance needs to be increased. 

This is the same sort of letter sent in XX/XX/XXXX which they forced me into this situation I am in now. I can not go through this again. They sort of punishing me at my cost for their screw up and they trying it again. I tried contracting to no avail with LoanCare. I ask for a different Company that is legitimate with to avail there as well.
Consumer complaint received 2018-02-21
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. (IL)

Public records on credit reports are invaild and all three credit bureaus refuse to remove them ; they have not furnished me the source of where this invalid information is coming from and its all wrong the date filed, dismissed, amounts, reference numbers are all wrong ; I have request validation from court houses and was advised they do not valid public records for consumers or credit bureaus ; I have disputed this information and have not been processed correctly Child support should not be on reports at all and the bankruptcy isn't valid failure to remove will result in civil case such as Civil Case # : XXXX XXXX XXXX v. XXXX and child support violates Public Law 805-C3. need bankruptcy and all 3 child support accounts removed.
Consumer complaint received 2021-02-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (FL)

I tried removing cards from XXXX  and paypal prior to them being charged and they refuse. There were unexpected errors on the account when i tried to sell and cancel the listings. Because XXXX and paypal do not provide phone support when calling to challenge these errors. It refers me to online. Online it is saying error, when accessing the account for the past month or so. I can not actively dispute fraudalent XXXX transaction and sellers fees because of such. This is a unique issue but yet another request as well to not charge my account and to actually provide phone support. It is my opinion XXXX, paypal have passed judgement on me unjustly bc of this glitch and intentionally frauded my account by not allowing me to respond to time sensative cases. Resulting in loss of monies and unjust obstruction both civil and criminal offenses as a servicer. Please assist and do not allow ebay or paypal to continue to rob and smear me bc of lack of required support. 
( 1 ) XX/XX/2021 at XXXX XXXX PST Transaction ID : XXXX Payment Status : COMPLETED Gross amount - {$28.00} USD ( 2 ) XX/XX/2021 at XXXX XXXX PST Transaction ID : XXXX Payment Status : COMPLETED Gross amount - {$280.00} USD Please do not charge the above or anything else to the account as repeatedly requested. Also remove them from the file. Provide a written response to all the concerns and a supervisors phone number to discuss with going fwd if error are made. Please provide a refund of anything above if already charged. Please provide clear phone support and allow me to address, reopen the other disputes as explained i was denied this bc of a technial glitch and niether company offering phone support bc of covid19. Shame on you both, I am a shareholder as well in these companies. Please remedy the above incrued fees asap and refund if they were charged bc of the fraudalent servicing as explained.
Consumer complaint received 2023-04-10
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)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$4600.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXXXXXX Balance : {$840.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXXXXXX Balance : {$2200.00} ; XXXX XXXXXXXX Balance : {$840.00} ; XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$370.00} ; XXXX XXXXXXXX Balance : {$5500.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$270.00}.
Consumer complaint received 2023-04-10
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: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 XXXX XXXX XXXX
Consumer complaint received 2023-04-10
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: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.