davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-26
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. (UT)

The credit bureaus are breaking the law and I want them to remove the items I disputed XX/XX/2021 its been over a month
Consumer complaint received 2021-09-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Consumer ID : XXXX RE : XXXX XXXX XXXX XXXX I was trying to open a bank account and I was informed that I was in XXXX XXXX and EWS. I attempted to get it resolved as I don't recall ever having a delinquent account with XXXX XXXX. I just received a response letter from XXXX XXXX via a CFPB complaint and they are saying that they are unable to verify my identity. If they are unable to verify my identity then that means that they are unable to verify who any alleged accounts associated with my name and consumer ID number may belong to. That being the case, any information that is being reported on me on XXXX XXXX and Early Warning Services is unverifiable an unable to be reported legally. As per section 611 of the FCRA. This inaccurate and unverifiable information needs to cease and desist from being reported immediately and also be deleted permanently. 

All of the alleged account numbers are attached All of these accounts need to be deleted and I am hereby seeking remedy of {$400000.00} for violations of the FCRA section 611 as well as damages for willful negligence and pain and suffering. Please make the payment to the name and address listed above and delete these accounts.
Consumer complaint received 2021-04-30
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: EQUIFAX, INC. (AZ)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

Equifax refuse to dispute acct from XXXX XXXX XXXX ending in XXXX plus last 3 disputes took over 30 days with no reply from them. they also reuse to contact XXXX XXXX XXXX to correct error on acctt ending in XXXX i have talked to XXXX XXXX XXXX 5 times and they have confirmed they have contacted equifax to correct this but equifax refuse to correct data
Consumer complaint received 2020-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

On ( XX/XX/2020 ) I discovered ( negative credit item and account number ) had been re-inserted into my credit file, which was deleted by Experian 5 months ago. Experian is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification.
Consumer complaint received 2023-01-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (NY)

I was told this was a prepaid account at the time of the opening of the account and was never told that it would even have any charges when or if I closed the account. I tried to pay the amount owed to the company and before I was able to the company shut the service off although it was not even close to it being considered late at all. So I'm not sure why I have a debt with this company since it was a prepaid account.
Consumer complaint received 2021-09-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (NC)

On XXXX I loaded {$60.00} on a XXXX  prepaid debit card to pay my phone bill. I asked the cashier at XXXX before I did that if it would be ok to put it on my old card since I hadn't activated the new one yet. And she said that would be fine, she took the cash and swiped the card and the transaction went through. She gave me 2 receipts and I went to pay my bill and it got declined. I went back in the XXXX and told her it didn't load she said well maybe you should activate your new card and then it will be on that one. So I did this, and still nothing happened. Then I asked to speak to a manager and she said " you just got ripped off '' and that they couldn't help me. I called the XXXX card and finally got someone and told them what happened and they said they do not see where the transaction came through and that they couldn't put the money on the card nor refund my {$60.00}. Hopefully you can help me get this resolved soon because my phone bill isn't paid in full and I need this please.
Consumer complaint received 2018-12-04
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: United PanAm Financial Corp. (FL)

I checked my credit report due to the fact that I was trying to get a vehicle loan. And then there is an inquiry on there I do not recognize neither does the dealership that I bought from.
Consumer complaint received 2019-03-08
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: EQUIFAX, INC. (IL)

Results from the investigation were neither logged, rendered, nor provided to XXXX, in 30 days and or til date, despite XXXX repeated requests. Second, XXXX requested Equifax to provide the method of accuracy & verification used by Equifax pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Equifax remains non-compliance till date. Third, XXXX requested Equifax to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to XXXX. Hence, Equifax again went silent.
Consumer complaint received 2023-01-11
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. (VA)

in accordance with 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 ... ... ... ... section- ( 602a ) section- ( 604a ) XXXX XXXX XXXX  XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-08
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: CITIBANK, N.A. (NY)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XXXX, XXXX. XXXX, XXXX and XXXX XXXX, XXXX, CITIBANK NA., BEST B add a hard inquiries on my credit report per XXXX  XXXX 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-12-08
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: OneMain Finance Corporation (NY)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, ONEMAIN FINANCIAL add a hard inquiries on my credit reports per XXXX  and XXXX. On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX, XXXX  and XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-08-17
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2021-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

I have had my mortgage for 15 years. It was sold to this company. They have increased my late fee from {$10.00} to {$27.00}. They sent me a copy of my contract with out any initials or signatures on the pages that reference the late fee with a late fee of {$18.00}. I have requested all the loan documents since the ones that were sent to me appear altered and I am positive of what my late payment fee was. In the history of the account the gave me there were 2 late fees with the prior servicer for {$10.00}. I have tried to get this corrected to no avail. It appears as if someone has doctored my paperwork. The first representative I spoke with said the late fee was {$27.00}, I think he said it was a 5 % late fee and that he had my initials on a contract beside it. The next representative that I spoke with said that my late fee was {$18.00}. I know that my late fee was {$10.00} but I do not have my original contract.
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX i DONT OWN ANY OTHER STATE IDS OR ADDRESS ANY OTHER STATE ADDRESS OR ANY INFOMATION OTHER THAN WHAT IAM SUBMITTING my lawyer disputed and wrote a letter to all collections on my credit report all incorrect information is incorrect all account that do not match my Id information with same state and address is considered fraud and must be removed I am making a final goodwill attempt to have you clear up this matter. The account they sent back verified are entirely inaccurate, incomplete and represents a very serious error in they reporting. 


I have attached me id & theft police report & letter that my lawyer have wrote this companies with no responds my wallet was stolen So everything that is on my report must match my id The thieves are still using it till this day I will not freeze my accounts because this allows me catch anying who is using with alerts set up in realtime these are the accounts I have verified and some of these are not reporting on all credit reporting at all!!!!! With is another volnation of law. they are as follows loans XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX  {$1400.00} credit cards XXXX XXXX XXXX {$370.00} XXXX XXXX {$1000.00} error is currently reporting {$0.00} this wrong XXXX XXXX XXXX use {$2000.00} error every payment was on time currently reporting two late payments
Consumer complaint received 2021-04-06
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: JPMORGAN CHASE & CO. (FL)

On XX/XX/2020 I went into a Chase Bank located in XXXX, Florida to inquiry about the Forberance on my loan due to significant hours decreased at work due to the pandemic. The bank was unable to assist me at that time so I was given the phone number to contact to put the forbearance on my loan. 

I called the number while sitting in the lobby and was connected with someone to help with adding the forbearance on my loan. I was told the forbearance was approved and I did not need to worry about any negative reporting on my credit report. 

My loan was sold to XXXX XXXX XXXX  in XXXX of 2020 and at the time I pulled my credit report and noticed that Chase had been reporting my account negative even for the month that I did not have my account with them. I have called multiple times and each time I am told that Chase has not reported my account late at all. This is incorrect. They have been reporting my account late from XX/XX/2020 until now. I really need this to be corrected. 

I have been offered a job and due to them reporting these incorrect late notices on my credit report it is causing a delay with me getting this federal job.
Consumer complaint received 2021-04-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: NAVY FEDERAL CREDIT UNION (WA)

See attached. Spoke with Navy Federal, the representative indicated all they need is return tracking information. Provided via fax, but still claiming : " There was not enough supporting documentation or evidence to move forward in the dispute process '' I am unsure what else they want now, other than the return tracking informaiton.
Consumer complaint received 2020-07-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (TX)

XXXX XXXX report and collection XXXX XXXX amount on my XXXX Credit report i never received and bill from XXXX XXXX verifying i has and outstanding cable bill. 
For the amount of {$400.00} dollars When i has cancel cable in XXXX and service was cancel in closed account. 
Inwhich i never received notice from the creditor charter verifying i owe and outstanding cable charges on and close account.
Consumer complaint received 2020-11-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CNG HOLDINGS INC (MO)

I NEVER GOT A LETTER ABOUT MY LOAN HOW MUCH I NEED TO PAY AND I GET A EMAIL Our Reference # : XXXX Current Creditor : XXXX XXXX XXXX XXXX XXXX Current Creditors Account # : XXXX Original Creditor : XXXX  , XXXX  Original Acct # XXXX Current Account Balance : {$760.00} AND I NEVER A LETTER BEFORE I DID THE LAST COMPLINT
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : Chapter XXXX Bankruptcy-XXXX Chapter XXXX Bankruptcy-XXXX Chapter XXXX Bankruptcy-XXXX
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

I submitted on XX/XX/2020 to all 3 major credit bureaus a method of verification letter. Prior to this all 3 bureaus stated that the disputed information ( bankruptcies ) were verified by XXXX a 3rd party. I contacted XXXX and received a letter stating that they were unable to verify that these accounts were mine so they deleted them from their records. None of the credit bureaus followed suit. I also sent the disputed information regarding names that appear on my credit report along with unauthorized inquiries. I have had no avail and it's beginning to be very frustrating to say the least.
Consumer complaint received 2017-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Someone attempted to obtain credit in my name on several occasions. There are several fraudulent inquiries on my credit reports. I was told by Transunion to file a claim with the consumer that requested my report. The consumers directed me back to Transunion to file an inquiry dispute. Since i was unsuccessful at obtaining assistance from either company, I reached out to the police department. The police department directed me to Federal Trade Commission. Since the identity thief did not obtain the credit that they applied for, the FTC directed me to CFPB to file a claim for credit inquiry issues. 
I 'm completely stressed out and on the verge of s nervous breakdown. I would have never thought that it would require so much time to file a dispute for fraud. I have a fraud alert on my credit report now. 

Please see highlighted yellow areas on credit report- please help me, I have no where else to turn to. Inquiries are as follows : XXXX XXXX XX/XX/XXXX - - XXXX XXXX XXXX  XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX ( my credit was ran 4 times for the same company ) XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX- XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX ( ran 3 times ) XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX ( ran 3 times ), XXXX XX/XX/XXXX- XXXX XX/XX/XXXX
Consumer complaint received 2021-05-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

Hello, I am still waiting for the company to reply to me. it has been two months now and I have not heard back from coinbase. I have money on the account but it seems, the company does not reply to customers. I am getting frustrated and who knows what might happen next. This lack of customer service to help customers was the same reason why a young investor on XXXX killed himself. These companies need to be held acc ountable. Coinbase is initiating the same pattern of no replying to customers. It is a US company and publicly traded company and needs to be looked into. Thanks
Consumer complaint received 2017-10-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (IL)

Currently on my XXXX mortgage servicer ( Shellpoint ) where my loan was transferred to in XXXX XXXX. Concerned that property taxes for XXXX half of XXXX due XXXX XXXX have not been paid. The tax bill was sent to Shellpoint by both myself and the XXXX XXXX XXXX. I have received no confirmation by Shellpoint that the property taxes have been paid. I need to know that they have been paid while I continue to try and have a loan modification or some type of loan mitigation approved that is acceptable and sustainable.
Consumer complaint received 2023-03-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY (NY)

I withdrew {$100000.00} from my American Express Savings Account, which was debited from the account on XX/XX/23. I was supposed to receive the money by bank check. On XX/XX/XXXX, when I still had not received the check, I called the bank, was put on hold for a long time and was eventually told to give it a few more days. The person I spoke to could not tell me when the check was issued, when it was mailed, and whether it had been cashed. On XX/XX/XXXX, when the check still had not arrived, I called the bank again and was put on hold for over three hours while the customer service representative tried to reach someone at the bank who might be able to help. Eventually, we decided that I would fax her a stop payment order, which I did the evening of XX/XX/XXXX. On XX/XX/XXXX, I called back and was disconnected after 30 minutes. I called back again and they confirmed that the bank check had not been cashed. They also confirmed that they had received the stop payment order but it was in a queue waiting to be processed. I requested that they credit me with the lost interest on the {$100000.00} and they refused to do so. I asked to speak to a supervisor during this call, and after being placed on hold for a very long time, was told a supervisor would call me back. That has not happened. It is now more than a month since the {$100000.00} was taken out of the account and despite the fact that they've had the stop payment form since XX/XX/XXXX, the money has not been put back into the account. A second problem I encountered with Am Ex is that during the XX/XX/XXXX phone call, I instructed the bank to wire {$100000.00} to another bank. They took all the information yet the wire transfer never happened. When I inquired about this during my XX/XX/XXXX call, they said I had cancelled the wire request which is absolutely not true. At least that money was not taken out of the account!