davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been unable to view, start a dispute, change info. or anything else on my Transunion credit report, and this issue has been going on for months now. When I attempt to log-in to the Transunion website for these tasks, I receive the following message : " We're unable to complete your request online. '' On numerous occasions, spanning from XXXX XXXX to XXXX XXXX, I have reached out to the company to fix this issue, both by phone and on their chat portal. Each time they have responded that they recognize this issue and someone will reach out to me to rectify the problem, nobody has reached out for months now and the problem has not been solved. Transunion does not care and is callously ignoring the problem in a very unprofessional manner, and violating my right to access my credit report. I have a legal right to view my credit report and to dispute items on my credit report and this company is blocking me from doing so.
Consumer complaint received 2022-01-12
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: Bread Financial Holdings, Inc. (NV)

I have been disputing fraudulent inquires from the credit bureaus as Comenity Bank instructed me ; the credit bureaus are not removing or blocking those credit inquiries from my credit report, credit bureaus are referring me to Comenity Bank to dispute those inquiries directly with them because Comenity Bank is alleging that the credit inquiries are valid every time I deny then with the credit bureau. Whenever I dispute fraudulent inquiries without including the valid accounts that I have with Comenity Bank and the correct inquiries related to those accounts, Comentity Bank is closing all my accounts for no reason. They claim that the credit bureaus are informing them that I am disputing all the open accounts, I requested evidence of that, but Comenity Bank refuses to send proof to me. At this point, I am informing CFPB that XXXX and other credit bureaus, and Comenity Bank are refusing to remove the following fraudulent inquiries : COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITYBANK/XXXX XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITY BANK/XXXX XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITYBANK/XXXX XX/XX/XXXX COMENITY BANK/XXXX XX/XX/XXXX COMENITYBANK/XXXX XX/XX/XXXX COMENITYCAPITALXXXX  XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITY BANK/XXXX XXXXXX/XX/XXXX COMENITYCAPITAL/XXXX XXXXXX/XX/XXXX COMENITYCAPITAL/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX COMENITYCAPITAL/XXXX  XX/XX/XXXX Those inquiries have been inserted in my credit report per Comenity Bank request, I called to the Account Protection Team at ( XXXX ) XXXX, and spoke with XXXX, a supervisor of that department, and she refused to help me with this dispute claiming that she didn't have access to the applications completed in more than 30 days ; I requested to speak with the person who is verifying these inquiries with the credit bureaus, and she said that I have to contact the credit bureau to resolve this. 
Valid Accounts that I have with Comenity Bank that don't need to be disputed or closed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am disputing only the inquiries that I listed and nothing else, so then the accounts that I have with Comenity Bank should not be affected for retaliation.
Consumer complaint received 2022-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I was XXXX when I became a victim of identity theft and sin fraud. Since then I have been fighting with several creditors reporting agencies and the government to remove the fraudulent accounts and nothing gets done. I am tired of fighting. I just want to have this done and removed so I can finally live my life.
Consumer complaint received 2018-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (OH)

Hi, I have been monitoring my credit scores with XXXX and Equifax. I have some derogatory credit history ( including a settled judgement ) caused by periods of unemployment. Consequently, I am not able to get much of a credit line. However, I am maintaining a credit card account with XXXX XXXX. I have a {$500.00} line of credit with this card and use it frequently for small purchases. I often use nearly all of the available credit. Then, I make a payment of typically $ XXXX dollars well in advance of the due date. My credit sources inform me that both XXXX and Equifax have lowered my credit score because I used nearly all of the available balance. My question is this : If my score can be lowered for using nearly all of my balance, why do I not earn points for paying ten times the minimum and paying it two to three weeks in advance of the due date? This is clearly an unfair business practice and, I believe, grounds for a federal lawsuit for defamation. 

XXXX XXXX
Consumer complaint received 2021-02-02
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. (CO)

I sent CERTIFIED letters to EVERY collection agency on my credit report on XX/XX/XXXX. The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. In accordance with Federal laws these companies had FIVE days to response and validate these debts and had 30 days from when the bought the accounts to notify these accounts and never did that either either actions. I have NEVER received any letters indicating there were any collections on my credit files until recently when I accessed my credit through XXXX XXXX I also sent a 609 letter, a method of requesting the removal of negative information from your credit report, thanks to the legal specifications of section 609 of the Fair Credit Reporting Act. All credit bureaus have not even notified me they received my disputes even with CERTIFIED LETTERS SENT TO EACH BUREAU ON XX/XX/XXXX
Consumer complaint received 2022-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (AZ)

I was contacted by Franklin Service , INC in XX/XX/2022 and was spoken to very rudely asking for my personal information. I inquired who was calling and the caller hung up, I received several more calls that went the same way over the next four weeks. 
I was able to speak with someone after the ninth time that I was contacted and was informed that they were collecting a debt on behalf of XXXX XXXX. 
I informed that person that I spoke with that I had never had service with XXXX XXXX and they simply stated, " ok '' and they hung up. I have never received any information other that the harassing phone calls. 
On XX/XX/XXXX, XXXX my credit report was updated with a collection account from Franklin Service , INC and it is FRAUD. 
I contacted XXXX XXXX and they went through their data base and informed me that they could not find any record of me having an account with them past or present. They informed me that Franklin Service INC was not an authorized collection agency for XXXX XXXX and that I should file a fraud complaint. 
I went to the XXXX  and they have hundreds of complaints against them for this very tactic where consumers verify that they have never been a consumer of XXXX XXXX but are being bullied into a collection dispute with Franklin Service , INC
Consumer complaint received 2019-11-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CURO Intermediate Holdings (TX)

Speedy Cash removed money from my checking acct. I got loan for {$500.00} lost my job and was placed in a program related to XXXXI closed out my XXXX and that was all the money I had, while I'm out of work! 
I need the money that was taken out of checking account,
Consumer complaint received 2018-02-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Due to financial ilness of husband.XXXX and fraud on part of relative because late on payment yo Bank of America.Have send in two modification packages.I received one phone call in XX/XX/XXXX. concerning second papers, which I miss Ed and returned.On XX/XX/XXXX received forclourse notice.I have not gotten any phone calls or any thing in writing from BOA about this or any missing paper work.All copies requested have sent in.I have the money for repayment but they will not accept.I asked for repayment plan. The property is a old trailer that is broken down but home to relatives.I don't understand how they can do this if all paperwork is in my and with out sending us any notification on requested modification.I am on XXXX and my husband is I'll with XXXX and we do not know what to do..We can afford to make up payments Thank you for any advice XXXX AND XXXX XXXX
Consumer complaint received 2021-02-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

on XX/XX/XXXX I submitted a dispute to Transunion requesting that inaccurate information being reported on my credit report be validated or removed. In received no validation. I then submitted a follow up dispute on XX/XX/XXXX. Once again I received no validation
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I pulled a copy of my annual credit report and saw that there are 10 aliases that are not me on my report. There are also 9 addresses that don't belong to me, some of which are close to which I have previously lived at, one is an entire apartment complex. I believe this is a personal attack by my husband who I am separated from and his friend who has security clearance, XXXX XXXX. They are also accessing my XXXX email, my XXXX email and social media. They are intercepting my phone interactions making it impossible for me to receive codes to get in my social media and XXXX government accounts through XXXX XXXX
Consumer complaint received 2021-05-30
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I sent the bureaus a letter on XX/XX/2021 ( more than 30days ago ) stating that the account listed on my report was inaccurate. I sent a letter confirming that as well from the creditor. 

1. The following account is not mine XXXX XXXX XXXX. XXXX Account Number : XXXX
Consumer complaint received 2018-02-11
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. (GA)

XXXX XXXX XXXX XXXX closed one of my accounts ( it still shows open with Equifax ) and stated that my credit was no longer good enough to have the account. I was puzzled so I went to look up my credit score. My score was suddenly about 60 points lower than normal with the FICO 8 score. However, my report showed no changes in accounts. Since then, my score has been fluctuating wildly several  times a month. I have contacted Equifax about it and asked them to make sure I don't have split reporting. I've been told I do not but that seems to be the only logical answer. Creditors that use Equifax are not viewing my negatively even though I have no new negative information reporting. If I don't get this resolved, I will seek legal action.
Consumer complaint received 2022-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

We were told by Sallie Mae ( now Navient ) to consolidate into spousal loan since if both borrowers qualify it would be fine to get PSLF in 10 years with a 30 year payment plan. After starting with {$120000.00} balance, we paid over {$150000.00} in the last 10 years and now owe {$180000.00}. Now with the temporary expansion of PSLF allowing FFEL payments to count, we tried to consolidate to direct. Despite being told my a student loan advocate and attorney that it is not illegal to go from joint loan to individual since the new single borrower agrees to be responsible for the debt ( like any joint loan refinanced into a single loan ), Navient blocked the consolidation into direct. The total spousal loan shows on Fed servicing as being all mine already, but Navient refuses to budge. We wouldve been better off with a regular 10 year amortization as there is no way possible to ever pay this off. Now we are blocked from relief under the expanded PSLF program.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I had a student loan account in collection and had derogatory status. I reconsolidated my student loan accounts and the company I went through, paid those accounts off. One account did get removed from my credit report while the other still remain. With all the documentation I have to verify, this account keep getting denied.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Uplift, Inc (WA)

I have always made my payments on time with this company using their automated system but i recently went to get a home loan and noticed that there was a late payment on my account. I have tried disputing it to get it removed and contacting the company to see how i was ever late but have not been able to get it removed. Please help me in resolving this issue and getting it removed.
Consumer complaint received 2021-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MUTUAL OF OMAHA MORTGAGE, LLC (NV)

I refinanced my existing loan with Mutual of Omaha Mortgage in XXXX - they sent me a letter that they were transferring my mortgage effect XX/XX/2021. 

I had called them a couple times to verify this and because I was having an issue with an escrow payment. XXXX XXXX originally didn't have the correct amounts or escrow money and was told that XXXX would get the correct info on XX/XX/XXXX. 

I asked specifically if I should pay Mutual of Omaha for the XX/XX/XXXX payment and they said definitely not to wait till XXXX XXXX had the correct info and pay them. 

So I paid XXXX XXXX on XX/XX/XXXX. XXXX of XXXX took out an auto payment on XX/XX/XXXX as well, even though I had XXXX autopayments in early XXXX so this wouldn't happen, since it had just happened to me when the refinancing happened. 

I called on XX/XX/XXXX when I saw they had taken out the payment they shouldn't have. First the initial person, not sure of her name, said it was because they still had my loan. which I argued with because they had sent me a letter saying as f XX/XX/XXXX it belonged to XXXX XXXX and they had specific told me on the phone to pay XXXX XXXX not to pay them. She then gave me to a customer service supervisor, XXXX ( spelling? ) who said the same thing that they still had the loan which I argued with her again that I was told specifically not to pay them and that to pay XXXX, I then asked her why they took out my auto pay when I turned off auto pay on the website, she acknowledged that it said do not draft but didn't have an answer to why it was taken.. She said she would contact the drafting department to turn it off an issue me a refund, She said she would call in XXXX to 2 days to let me know the refund was coming. 

On XX/XX/XXXX I hadn't heard anything from her and called back. After explaining to the initial customer service rep I was again transferred to a customer service supervisor, XXXX was her name. After explaining this again to her she said that she saw my call from the second but that it didn't look like the original supervisor had done anything about it. She said she put in a request to cancel my auto draft and to send back my money. That typically they would just send it to the new servicer but since I paid the new servicer they would refund it to me. She said it takes 24hours for the drafting team to process the request and then 2-3 days from them to refund my money electronically. 

Now its the XXXX, I still have no written documentation that they took my money by mistake. I can still log onto Mutual of Omaha 's website and it still says that I have an active mortgage with them and still have automatic payments turned on.
Consumer complaint received 2018-02-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

On XX/XX/XXXX, I went to my bank to transfer XXXX USD to my Coinbase account. Prior to transferring the account, Coinbase was claiming to transfer incoming wire within 1-2 days. So, I proceeded to transfer to my account in Coinbase. I waited 2 business days and no funds were  available, so I submitted a ticket to support. Since Coinbase does not have a support number for wire transfer I could not speak to anyone about my case. After a couple of days I got a generic email saying they apologize for the delay, they were behind on wire transfer and all transfers should be completed. I replied back to the email explaining that my account does not have my funds transferred. Again after a few days, I get no response so I continue to ask for updates. Coinbase only replies with a generic message but no indication that my funds are available or what the delays maybe. Ive sent over 30 emails with no resolution.
Consumer complaint received 2018-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I filled out a application on XXXX for a payday loan and it had me enter in my capital one 360 routing number and account number and then login to verify it was my account. After logging in I received a message error stating I was blocked from viewing my account data.
Consumer complaint received 2021-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (OH)

When I contacted the apartment complex that summited the debt, ( XXXX XXXX ) they had no record of my living there. They then directed me to call the main office, they also had no record of me living there. I've also contacted the collection agency ( rent recovery ) they said they have signatures and my social on file saying that I did live there. I have never lived in XXXX XXXX XXXX.
Consumer complaint received 2021-02-10
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paypal Holdings, Inc (WI)

PAY PAL sent an email stating my card on file had expired so I went on line and inout the correct card for them to use. They have been calling 18 times a day not leaving any messages but just saying hello and not saying anything else. 
Calling times have been from XXXX thru the day until XXXX.
Consumer complaint received 2018-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One Platinum Master Card Account Ending in ... XXXX. Account closed by the creditor XX/XX/XXXX. 
XX/XX/XXXX Remaining balance of {$12.00} paid, a {$.00} credit remained on the account.

Payment Due Date XX/XX/XXXX.

XX/XX/XXXX account charged a {$6.00} finance charge, minus the {$.00} credit a remaining balance of {$5.00} remains. 
Called Capital One on XX/XX/XXXX to dispute this finance charge, was told I was responsible for the fee. 

Complaint : Closed account with a XXXX  balance continues to generate finance charges with the expectation that I need to pay each time. 

Please assist with the resolution of this.
Consumer complaint received 2021-02-02
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. (NY)

on XX/XX/XXXX I submitted a dispute via certified mail to XXXX noting that inaccurate information was being reported on my credit report. I requested that all information in question be lawfully validated or removed. I received no validation or response. I then submitted a follow up dispute XX/XX/XXXX. Once again I received no validation or response.
Consumer complaint received 2021-02-11
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: CarMax, Inc. (OH)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. CARMAX XXXX XXXX Inquiry : XXXX XXXX, 2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2021-06-07
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: General Motors Financial Company, Inc. (AL)

On XX/XX/21 I sent a leter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report I has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the XXXX you caused me.

My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.