davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-28
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

Back In XXXX Of 2021 I applied for a loan with XXXX. Now in reference to there responses, the company website clearly mentioned no credit check meaning the contract states the company can report or check credit scores but online it doesnt mentioned anything as such. The company needs to provide a full explanation explaining why the website states one thing and the physical contract says another. No credit check means no credit check and Ive dealt with leasing companies in the past that advertises no credit check and its not on my credit report at all. Stop falsely advertising your website if its a actually credit check and Im still reporting this company to the Attorney General for an complete investigation because they are ripping consumers off with fees if you can not pay within 90 days of signing the agreement.
Consumer complaint received 2023-03-21
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)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

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
Consumer complaint received 2022-04-28
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. (NJ)

Hello, my name is XXXX XXXX XXXX and 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. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

THE CREDIT REPORTING AGENCIES ARE REPORTING ME LATE PAYMENTS IN AN ACCOUNT I HAVE OPEN WITH XXXX  Loan # XXXX when all my payments have been punctual to date, Due to that information that is in my credit reports, my creditors have lowered the credit limit on my cards, which is directly affecting my credit history. I contacted Prosper and they state that the information that has been reported to the agencies credit has been positive and they have never reported a late payment since all payments have been made on time XX/XX/XXXX {$410.00} {$220.00} {$190.00} XXXX XXXX  XXXX XXXX... XXXX XX/XX/XXXX {$410.00} {$230.00} {$180.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$410.00} {$210.00} {$200.00} XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX {$410.00} {$200.00} {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$410.00} {$200.00} {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$410.00} {$190.00} {$220.00} XXXX XXXX XXXX XXXX... XXXX XX/XX/XXXX {$410.00} {$190.00} {$220.00} XXXX XXXX XXXX XXXX... XXXX XX/XX/XXXX {$410.00} {$180.00} {$230.00} XXXX XXXX XXXX XXXX... XXXX XX/XX/XXXX {$410.00} {$180.00} {$230.00} XXXX XXXX XXXX XXXX... XXXX XX/XX/XXXX {$410.00} {$180.00} {$230.00} XXXX XXXX XXXX XXXX... XXXX XX/XX/XXXX {$410.00} {$170.00} {$240.00} XXXX XXXX XXXX XXXX.. XXXX
Consumer complaint received 2022-03-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Coinbase, Inc. (FL)

My Coinbase.com mobile app is preventing me from access or transfer my funds for the past 2 weeks.

The following message is displayed : Were having connection issues try again.

Tried to contact coinbase.com without success.

Saw online that this is a common issue with Coinbase.com and the only way to solve it is thru this complaint.
Consumer complaint received 2019-10-22
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: Experian Information Solutions Inc. (GA)

Please reverse the late payments reported on the following accounts : XXXX XXXX**** and XXXX XXXX XXXX XXXX XXXX**** The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Consumer complaint received 2022-04-28
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. (GA)

While reviewing my credit report, I notice a few discrepancies and inaccurate information being reported on my XXXX XXXX 1. The account type on Transunion and XXXX shows an Auto Loan but on XXXX it appears to be blank. 
2. The open date for XXXX and XXXX shows XX/XX/XXXX but Transunion shows XX/XX/XXXX. 
3. The balance on XXXX and XXXX shows {$9.00} but Transunion show {$0.00} 4. The day active date for XXXX was XX/XX/XXXX, XXXX XX/XX/XXXX, and Transunion XX/XX/XXXX. 
5. The last payment date for Transunion shows XX/XX/XXXX, XXXX XX/XX/XXXX and Equifax- XX/XX/XXXX. 
6. The report date for Transunion is XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. 

You are furnishing inaccurate information to my consumer report. 


You are in clear violation under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev | next ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2022-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have XXXX and was notified about a hard inquiry on my credit which was associated with XXXX XXXX XXXX. I do not know the exact inquiry date but just received the XXXX notice today, XX/XX/XXXX.
Consumer complaint received 2021-05-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (NY)

I am experiencing difficulty paying my mortgage as part of my loss of employment during COVID Pandemic. I have a FHA mortgage and this is my first home. I have been overwhelmed by phone calls, text msgs, notes in my mailbox as well as a person coming on to my property to take pictures. I feel harassed by people who want to purchase my home and who know I am having mortgage challenges. 

I have reason to believe that my mortgage banker M and T Bank representatives are sharing my private information with people who want to exploit and take advantage of my mortgage problem. All these attempts are to buy my home. This information is not public. There is no other way for these people to know without this information given to them from my bank. 

I am being harassed. Please help.
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

We had to file a bankruptcy in XXXX of 2021 and I had kept my vehicle I still made my payments on time every month still up to this day and because I did not sign a another form they had sent me they dont report that I make my payments though they report that I do not make my payments to the credit report making my rating a negative result when I pay them every month now I feel that I am paying them every month they should not be able to report negative reports on me if anything dont do nothing I am paying on time every month it is not fair and it is not right for them to do this you will find a copy of my check for XX/XX/2021 I sent them for my payment that they have on the credit report as a negative payment so you will see the false information they are giving to hurt people
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NV)

I submitted a formal request to all 3 credit bureaus ( Experian, XXXX  and XXXX  ) on XX/XX/2020 ( via USPS certified mail ) seeking re-investigation of disputed information as set forth and defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) required that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute.

I had requested a reasonable reinvestigation as required by law ; I had requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been 4 months now and I have not received any responses to my requests from Experian and XXXX. I do appreciate XXXX  responding to some of my concerns but there are still some inaccurate items that need to be resolved.
Consumer complaint received 2020-11-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (GA)

On XXXX I got a letter from Flagstar bank saying my mortgage payment went up because my escrow went up due to my property taxes going up. Soon as I saw this I called both my county and city tax offices to check if this was true and both said my taxes went down. Last year this same mortgage bank tried this on me and had my payments sky high saying my escrow account was short and I had to pay extra to fix my payments. I went and got proof and sent it to them but it still took months for them and many hours and days wasted to fix the situation. Now I am back doing the same thing again. When I asked them for proof to email the changes the first time about my escrow they didn't provide anything. After I guess me calling so many times this bank started to hang up on me and leave me on hold for long periods of time. Also they didn't want to refund my money that was in limbo because I paid them extra after fixing my escrow account. I need help with this bank because this is too much to have to deal with again. My taxes went down and they are trying to take money from me again.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have previously requested multiple times to dispute the inaccurate addresses with your bureau. Despite these efforts, they persist on my credit report, which is concerning and unacceptable. 

I can confirm that I have never resided or conducted any financial activities at the addresses mentioned. It is crucial to rectify this misinformation promptly, as inaccuracies on my credit report can adversely impact my creditworthiness and financial standing. 

I request that you conduct a thorough investigation into these inaccuracies and promptly remove the erroneous addresses from my credit report. Furthermore, I urge you to ensure that my credit file reflects only factual and verified information in accordance with the Fair Credit Reporting Act. 

Please provide written confirmation once the necessary corrections have been made to my credit report. I appreciate your prompt attention to this matter and cooperation in resolving this dispute.
Consumer complaint received 2024-02-26
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 Convergent Account XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX. XXXX, XXXX ( XXXXe ) # XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 2021-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: OCEANFIRST FINANCIAL CORP. (NJ)

In or around 6 months ago I made a dispute for over 500 dollars with this bank, at todays date I haven receive no updates is been showing in my account the balance but is not available for use, I have already called this bank innumerable times and they have no answer of why Im unable to have access to my money, not only that, the money is not available for my use that Im the owner of the account also this bank is been charging me the monthly fee of my account balance, how is it possible that my money is not available for me but it is available for the bank? Every single month my account balance goes down because they chargin monthly fee they got completely access to my account balance but i dont at all. This bank is been abusing of power for over 6 months with my account, having completely access to my funds charging me monthly fees from my balance but Im not able to have access to my money. I have already called customer care more than 3 times and the branch and they always say they gon na valla me back and never do, my account is not block is not frozen it doesnt have any identity block because when I first opened Ive verify my identity sending my identification and all papers needed in order to open this account, this bank is only abusing of power
Consumer complaint received 2021-09-17
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (IN)

XX/XX/XXXX CitiBank illegally w/d draft $ XXXX from my bank. ( I previously authorized monthly auto draft of only $ XXXX ). I'll have to explain multiple calls from XX/XX/23 to the point a pmt arrangement $ XXXX for 3 months. 
My limit is only {$2000.00}. They've now got a {$4000.00} balance on my account. I can not pay {$1.00} or the agreed amount. The account is aging & ruining my credit. They blocked my ability to receive my statements. I kept calling & finally got them yesterday, Thursday, XXXX XXXX. Based on my experience, there's been quite a bit of illegalities, sabotaged actions & unfair practices. I just wan na pay my bill, rectify/restore my credit status & rescind all the false statements reported on my account. TBDiscussed I'll need to illustrate/justify each incident. Only when I decided to backtrack & research my situation, is when I did find, it's kinda customary for them to conduct business in this way. I have 5 months of their statements & my bank statements to show damages they caused NOT ONCE but 3 TIMES they resubmitted that {$1000.00} charge. Like I told them, how r u gon na illegally charge my account, disallow me a chance to clean up my NSFs/finances for multiple other auto drafts I have, close the account ( in good standing ), victimize me & now every call ( 20+ calls ) is an impasse. HELP! PLEEZE CALL. XXXX ( I need to submit my mound of documents. Please advise? )
Consumer complaint received 2020-07-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (AL)

Hello, We attempted to close on a new home using Pentagon Federal. They missed two closing dates by not sending our  information to underwriting, and then failing to send closing documents to the closing attorneys/title company on time. This forced us into renting ( early occupancy ) for a week ( in addition to hotel costs prior to this point. ) Given it was Pentagon Federal 's  mistake for the repetedly late closing, they negotiated to pay the prior owner directly for the early occupancy fees ( total of {$800.00} ). All parties agreed to this direct payment to the prior owner. On the closing date they did not pay the owner, but rather applied a discount in the closing costs without explaining this to anyone and not disclosing the reason for the discount. This hid the transaction and changes my taxes at the end of the year without my approval. After two weeks of not responding, the loan originator responded with these comments, " I have confirmed that due to compliance reasons the credit had to be disclosed on the closing disclosure. This {$800.00} credit was deducted from the amount you paid due at closing. I know this was not how you preferred this credit however, for tracking reasons with regulators, this had to be credited this way. '' It read as if they were attempting to hide the action from mortgage regulating authorities. 

Finally, PenFed then issued a letter attempting to force different home insurance for our property, by claiming our current home insurance failed to meet required minimums for PenFed mortgage servicing. When I called the " Insurance Service Center '' on XXXX, the Service Center acknowledged that the information in the letter was false, our current insurance was more than adequate, and PenFed maintained a policy to send these letters to all their new mortgage holders with the false information. It appears to be an effort to force action on false pretenses. This could have cost significant money had I acted on their claims without verifying with my insurance carrier and their Service Center.
Consumer complaint received 2019-08-21
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)

I am so confused on what is really happening on my credit report, there are several accounts that appear out of nowhere! I have never dealt with these creditors in the past, I do not know who they are.. I asked XXXX and Transunion where did they get this information and provide proof of ownership but not a single account was proven to be mine.  The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from 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   (Original Creditor: XXXX   XXXX XXXX XXXX XXXX XXXX)XXXX, XXXX XXXX    (Original Creditor: XXXX XXXX XXXX XXXX XXXX) XXXX,  XXXX XXXX  (Original Creditor: XXXX XXXX XXXX) XXXX, XXXX/XXXX   XXXX,  XXXX XXXX,  XXXX XXXX,  XXXX XXXX,  XXXX XXXX, XXXX XXXX   XXXX,  XXXX/XXXX XXXX,
Consumer complaint received 2023-06-12
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. (NC)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 XXXXXXXX
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I am currently trying to purchase a home but mortgage company could not pull Equifax score. I called the Equifax and the rep told me that I had to send request by mail with proof of identification to remove fraud alert. I did this on XX/XX/21. I have been calling to follow up but they give me the run around claiming not to have received the request. After this, I emailed the request and faxed it. As of today after 2 weeks, they are claiming to have not seen my request. Now my home purchase is on hold and Im stuck in a hotel because of them!
Consumer complaint received 2021-09-17
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. (NC)

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.