davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite my persistent attempts, I have not made any headway in disputing these issues. Enclosed is a copy of the letter I previously forwarded to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to emphasize that I take this matter very seriously. Should you choose not to address my original request, which was sent via certified mail, I will not hesitate to lodge a complaint with the Federal Trade Commission against your company. I urge you to conduct a thorough reevaluation of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to do so will result in my insistence on the immediate removal of these items from my report.
Consumer complaint received 2021-11-01
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. (NJ)

The following in Equifax 's response to CFPB Complaint # XXXX as it pertains to XXXX, Account # XXXX. 

" We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty 60 days from the date you submitted your request. '' In response I am informing you that as per 609 - 15 U.S.C. 1681 ( e ) ( 1 ) Equifax must respond to identity theft victims within 30 days. Also, Equifax must provide to the consumer " ... a copy of application and business transaction records in the control of the business entity, whether maintained by the business entity or by another person on behalf of the business entity, evidencing any transaction alleged to be a result of identity theft ... '' See attached supporting documents and law.
Consumer complaint received 2018-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (CA)

Greetings, I am having an issue with my barclays credit card. I opened he account almost a year ago, and all of a sudden on XX/XX/XXXX my card got declined at a restaurant. I called the banks customer service and was assured the card was going to work on the next swipe. It didnt. Several calls later, my card still wasnt working and no one had he courtesy of telling me that my account was under review because the bank could not very my identity and/or income. A week later a received a letter from the bank demanding access to my tax information to verify my identity. Ive promptly responded with authorising the bank to receive this information from IRS. Its been almost a month that my account has been suspended, and no one communicates with me, and they are not telling me anything about the investigation. I called again today, XX/XX/XXXX, and no information was provided other than the account is still under review. I have a hard time believing that a year after I opened the account, the bank all of a sudden became concerned with my identity not being verified. What were they doing when I applied for the card in the first place. I honestly can not think about any reason other than profiling based on my nationality ( XXXX ) as Ive heard about several other XXXX facing similar problems with XXXX and other large banks. Please, help stop this invasive and unfair treatment by the bank and help me be able to use my credit card again.
Consumer complaint received 2018-07-28
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. (PA)

Experian Report # XXXX XX/XX/18 Experian has on this report XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX as wrong and the other one that is right showing XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX There should be no 2 address showing as the same by Experian. Every other month Experian has added information or add something on my credit file and keeps deleting the correct information. Every other month the same thing.
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. (MD)

i reviewed my consumer reports and noticed that i had one late payment on a account that i was never late for the consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy i have never been late on payments for this account i have included screenshots inside this complaint in or on dates of Mo XX/XX/year> please investigate and provide proof with statements showing this payment was late if proof cant be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. thanks please see screenshot attached
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 status incorrect
Company: DISCOVER BANK (FL)

I live in XXXX, FL and was affected by Hurricane Irma in XX/XX/2017. During that time I contacted XXXX XXXX and was advised that I can be placed on a 3 month forbearance plan that would NOT adversely affect my credit due to the natural disaster assistance. I accepted the plan and made payments accordingly. However, to my surprise, Discover reported my XX/XX/2017, XX/XX/2017 and XX/XX/2017 payments late. This is an error and a violation under the Fair Credit Reporting Act. 

I am requesting for the 3 late marks to be removed as it has caused my credit score to drop drastically and is causing problems with the purchase of my first home. I expect this issue to be corrected promptly and I need notification of the same. 

You may check the phone records to review calls where I was advised that my credit would not be affected once I was placed on this forbearance. 

I contacted Discover to resolve this issue and the agent said, I apologize that you were misinformed but there is nothing we can do. This is unacceptable and I feel that I was tricked into getting in the forbearance plan by the agent. If you look at my credit history all of my payments have been timely period to the XXXX late marks reported in XX/XX/2017, XX/XX/2017 and XX/XX/2017.
Consumer complaint received 2021-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Experian is reporting a collection account with XXXX XXXX XXXX as open with a balance when the account has a {$0.00} balance and has been closed. I submitted a letter from XXXX stating I have a {$0.00} balance and that my account is closed and that they will request my information updated as such with the credit reporting agencies and derogatory information would be deleted. XXXX XXXX and XXXX  have since deleted all information from XXXX XXXX from my credit report yet Experian refuses to do the same. I opened a dispute before I had that letter and Experian rejected my dispute once I received that letter I uploaded it in support of having new information to support my dispute but they still insist that account is open with a balance of {$750.00} I have a letter from that company saying the opposite they say my account is closed and I owe them {$0.00} but Experian wont accept it. It gets removed from my account next month because of how long its been on my report but it isnt fair Experian wont comply.
Consumer complaint received 2022-11-19
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. (OR)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXXXXXX XXXX Balance : {$1700.00} ; XXXXXXXX XXXX  XXXX Balance : {$14000.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX
Consumer complaint received 2022-05-02
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: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXX 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
Consumer complaint received 2020-07-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (ID)

On XX/XX/2020, a Venmo account with the same profile photo and username as my sibling requested {$60.00} from me that stated, " Can I borrow this really quick pleasee, I promise to give it right back tomorrow, Thanks!! '' My brother lost his job due to Covid-19 and I have been financially assisting him recently. Right after I sent the money, the account changed their username and profile photo and disabled the ability to communicate with the account or to reply to the transaction. 

I then tried to talk to an individual at Venmo and was placed in an 80 person long queue, I also called twice and spent hours on the line waiting to talk to someone. When I finally had someone respond to me, they told me that it looked like someone didn't hold up to their side of the " transaction '' and then told me to file a police report. They then told me to contact the scammer who requested the money. By instructing me to do this they admitted that the scammers account was still active. The company does not care that their is a giant hole in their system and zero safeguards from fraudulent venmo requests. 

More than likely, the person who stole {$60.00} from me has done this to hundreds of people. Venmo does not care and is complicit in this illegal behavior.
Consumer complaint received 2021-09-17
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)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2021-03-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

I earned some Bitcoin on XXXX in XXXX. I'm unsure of the amount ; it was somewhere in the tens of dollars at the time, but with Bitcoin 's higher price today, I think it would be in the hundreds of dollars. 

XXXX was acquired by Coinbase, who created a process for XXXX users to move their balance to a Coinbase account. I followed that process, but it didn't work ; I never saw Bitcoins enter my Coinbase account.

I attempted to contact Coinbase three times about this : twice using their online contact form, and once using XXXX. I never received a response.
Consumer complaint received 2020-01-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants' Credit Guide Company (TX)

I have received two calls thus far from Merchants Credit Guide Company our of  XXXX claiming that I owe a debt. However, they will not give me information regarding this debt unless I provide them with my birthdate and other personal information first. I am worried this is a scam and did not give them my information unless they give me their information first. They called from a phone number XXXX XXXX XXXX XXXX. My FICO score is XXXX. So I have no idea what debt I could have?
Consumer complaint received 2018-03-07
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: Santander Consumer USA Holdings Inc. (VA)

I filed several complaints with XXXX  and XXXX over a serious problem with Santander USA, they both closed the account on XX/XX/2018, but it's still showing a derogatory reporting and this debt should not show a derogatory balance at all, they do not have the correct paper work which I have contacted them ( Santander ) as well and they are making false claims in reference to this account I have sent several certified letters to XXXX XXXX  and Santander and I am just receiving a closed account with a balance Santander has already made false claims and if the balance of this closed account is not resolved I will file a small claim against the companies stated above for breaking for violating section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 7 ) as well as under ( section 616 & 617 ) and I will pursue litigation to force the rights under FCRA.
Consumer complaint received 2018-10-04
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (AZ)

Hello I am being contacted by a company called diversified consultants inc.  They are calling me multiple times a day and within less than a 2 hour  window each time. They are continuing to call me after having contact with me same day. When I try to call them back to discuss issues with them they disconnect the call. I am not using profanity or raising my voice and they are disconnecting the call and telling me to " be nicer ''. I believe this is a tactic to harass me and it is extremely unprofessional. I have asked several times for them to not contact me any longer and they are still calling. The actions are not only unprofessional but illegal.
Consumer complaint received 2018-03-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants Adjustment Service, Inc. (KY)

MERCHANTS ADJ SERVICE never sent a Debt validation notice to me by mail nor did I receive a forward request of mail from them. MERCHANTS ADJ SERVICE reported to all 3 major credit bureaus a debt I do know nothing about. I have XXXX and XXXX which pays 100 % my claims and when I contacted my insurance they stated all claims are paid and full and that I shouldn't owe any medical company a debt. To told me to file with the federal agencies. So that is why I am filing with the cfpb.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have no knowledge of XXXXXXXX XXXX I am writing to dispute this information. 15 U.S. code 1692 states that I have a right to privacy and a debt collector, has to have my permission and consent to text, call, or email me. I do NOT consent and am at will to SUE! Section 604 15 US Code 1681 B states you do not have the right to report anything on my credit report without my written consent. THIS IS IN DIRECT VIOLATION! 

Please DELETE XXXX XXXX from my credit report immediately
Consumer complaint received 2020-07-24
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. (GA)

Someone in XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports.XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX  XXXX, XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have reached out to XXXX XXXXXXXX XXXX  in regards to the late payments that were inaccurately reported to my credit report from XX/XX/XXXX to XX/XX/XXXX. I made every payment on time, However XXXX XXXX XXXX did NOT post my payments to my account when they were made. I have attached a list of my payments from their website to show that the payments were made. 

XXXX XXXXXXXX XXXX inaccurately posted late payments to my report. They are inaccurate as you can see I made the payment. XXXX XXXXXXXX XXXX has also violated my consumer rights according to USC 15 1681a ( 2 ) ( 1 ). As the consumer, the person ( XXXX XXXXXXXX XXXX  ) have inaccurately reported transactions ( late payments ). This have made my experience of purchasing a home a horrible one.
Consumer complaint received 2021-04-30
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MA)

In XXXX of XXXX, I deferred my mortgage payments due to losing my job due to unemployment. In XXXX, I resumed and repair the amount, bring my mortgage current. Yet Wells Fargo continued to report my payments as being deferred. I worked with them to resolve this and they claimed that the situation was settled and sent me a letter to that effect. 
In XXXX, I found that Wells Fargo is continuing to report my payments as being deferred. When I tried to resolve this with Wells they've claimed several times that there's no issue. They have sent me letters saying that they have reviewed my file and there's no problem. However, yesterday I had a credit report pulled and Wells Fargo is continuing to report to all three companies that my mortgage payments are deferred. 

I can't refinance my mortgage, I can't move my mortgage anywhere while Wells Fargo continues to lie to the credit reporting companies that my mortgage payments are deferred. They are costing me money and causing serious stress.
Consumer complaint received 2020-07-14
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. (TN)

I AM AN IDENTITY THEFT VICTIM. I AM WRITING TO DISPUTE THE FOLLOWING ITEMS ON MY CREDIT REPORT. EACH OF THESE ACCOUNTS AND TRANSACTIONS I DISPUTE WERE OPEN AND MADE BY THE THIEF, NOT ME. I NEVER AUTHORIZED, USED, OR BENEFITED FROM THESE ACCOUNTS OR TRANSACTIONS IN ANY WAY.
Consumer complaint received 2023-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NBT BANCORP INC. (NY)

This is a reopening of the NBT XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY Phone : XXXX. They did not answer the question, I believe they are scamming me. {$2100.00} ( XXXX XXXX XXXX XXXX and XXXXXXXX dollars ) is missing from my account. I felt harassed when I made transactions on XX/XX/2023 due to strange door noises, no pens at desk, felt they were going to scam me. After I made the transactions, I went XXXX minutes later to another NBT Branch to get a printout. The printout said I made a {$1800.00} ( XXXX XXXX XXXX XXXX dollars ) withdrawal and {$2100.00} ( XXXX XXXX XXXX XXXX and XXXX dollars ) deposit. On XX/XX/2023, It says that around {$2200.00} was on hold. NBT said on the phone the XX/XX/2023 on hold is impossible even though I have a NBT printout. The {$2100.00} ( XXXX XXXX XXXX XXXX XXXX dollars ) is missing from my bank statement. I believe NBT Bank XXXX XXXX is stealing from me using some sort of advanced scamming method. The deposit does not appear on my monthly NBT statement. They stated that the bank teller of XX/XX/2023 left my account open and deposited someone else 's check but I received no evidence. I believe this is their scamming technology. I am a pre-senior and do not recall that day much, but remember I felt uncomfortable enough at the NBT XXXX XXXX to go to another NBT Branch later that day to get a printout of transactions. I have never done that before. I am trying to find the deposit slip, but I may have discarded it. I am a mixed race female.
Consumer complaint received 2022-11-18
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)

I noticed this problem in XX/XX/2022 " I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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: The Phoenix Recovery Group (NC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Acct. # XXXX has violated my rights. 

15 U.S.C 1681 602 A. states that I have the rivht to privacy 15 U.S.C 1681 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.