davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-24
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. (TX)

Multiple times I have sent TransUnion disputes on the following inquiries and they have failed to properly investigate or look into the issue.     These inquiries are fraudulent and not mine.     *   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  I -  XXXX   XXXX ,  XXXX  *   XXXX   -  XXXX   XXXX ,  XXXX  *  XXXX  -  XXXX   XXXX ,  XXXX  *   XXXX   XXXX   XXXX   -   XXXX   XXXX    XXXX   XXXX   XXXX  -   XXXX     XXXX ,  XXXX  I have been a victim of True Name Identity Theft and they have more than sufficient amount of documentation to prove this. I have also attached the police report for these inquiries.
Consumer complaint received 2024-02-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (ID)

I have contacted Mohela weekly for well over a year to get information on my Public Service Loan Forgiveness ( PSLF ) loans. No one ever has the same answer, every person states they are in training, and will then attempt to " transfer '' me to a representative who is " advanced '' but I will then sit on hold for upwards of an hour or longer and have been disconnected only to have to go through the phone tree again. 
After finally being told I needed to consolidate my loan, after calling several times, l had hopes there would be some kind of movement on my account. There was not. My loans were in forbearance and now I have a payment due despite showing I have made more than enough payments to have student loan forgiveness. Again, when I attempt to get answers, l am sent back to the phone tree/new hire/holding forever spiral. It is unprofessional and unacceptable. I appreciate that I am able to make time to even attempt to call, because I know others may not be able to do that.
Consumer complaint received 2022-09-07
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: EQUIFAX, INC. (VA)

i am a victim of identity theft and my name was used for a loan with company XXXX XXXX XXXX XXXX  i have reported it as fraud and it has been removed from my experian and transunion report but equifax won't remove the account. it is XXXX XXXX XXXX and is causing detrimental effects on my credit report and my ability to qualify for credit. i have done all that I've possibly can to have this issue resolved and nothing is seeming to work. equifax has also been reporting false balances and false credit scores to companies and have caused me to be denied credit that i am sure to be approved of if they were to report the correct information
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service (FL)

Hello I need assistance with an account that is reporting incorrectly on my credit, this account is reporting as a paid collection when in fact it isn't a collection and never was.. I had a XXXX XXXX XXXX  that was opened in XXXX in which payment history was great, well I went on XXXX in early XXXX and called to let them know and was told that I would have no payments while I was out of the country, I got back in XXXX of XXXX, called to let them know that I was back in the states and the very next month, I received a credit alert saying that a new collection was added to my credit in which it was from XXXX XXXX XXXX. At that time I honestly didnt know how to start working on my credit so it sat on my credit for awhile as I was a working father and spouse. Well in XXXX I really started to research how to go about fixing my credit and I ended up contacting XXXX XXXX XXXX in which I spoke with 2 people, stated my case, they looked into it and verified that I was in fact correct and they told me that they would get it updated for me with all 3 credit bureaus as ''Paid In Full and Paid as Agreed, I was told that it would take 30-45 days to reflect and that was in XXXX of XXXX till this day the account still hasn't been updated and I'm extremely frustrated by it. I'm asking for help in getting my account updated correctly as I'm sure you understand that this false reporting has gotten me denied for credit for something that was out of my control! I will attach all documents below and by the way I have disputed this account on numerous occasions since then and have not received any correspondence or communication, I disputed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, at this point you're my only hope in helping me fix this. Thank you
Consumer complaint received 2017-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

I deposited a company check on   XXXX   XXXX   XXXX     and was told they were holding  XXXX  dollars until   XXXX   XXXX   XXXX     I need that money to pay bills with ..Is that even legal? I bank with  Wells Fargo ..
Consumer complaint received 2015-06-12
Product: Credit card — 
Issue: Rewards — 
Company: BBVA FINANCIAL CORPORATION (MN)

BBVA Compass XXXX XXXX XXXX XXXX XXXX XXXX Card and its special XXXX Rewards feature during XXXX Finals ( cardholders can get up to XXXX the points for purchases made during the Finals ) has led BBVA to suspend purchasing on my and numerous other consumers credit cards due to " security concerns '' when BBVA fully well knows people are trying to use their credit cards to cash in a bank promotion that the Bank is not fulfulling. I have tried contacting BBVA about this issue by email, phone, XXXX and XXXX. I have not gotten any answer other than that someone will call be back. As this is a time sensitive promotion, I need specifics or I will consider this fraud by deceptive advertising.
Consumer complaint received 2020-10-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MO)

Cha

se bank began contacting me saying they were going to lock and close all my accounts ( credit cards, debit cards, bank accounts, etc. ) Due to suspicious activity that originated from unemployment funding from the corona virus. I've spent multiple hours emailing, calling, and meeting with bank staff face to face providing the information and material proof they asked for. I've been told multiple times everything is kosher and that I am clear of suspicion. They have still locked and closed my accounts. Now I am unable to access any of my funds, pay bills, and am unable to resolve financial issues due to this closure. Their response times have become slower and slower and my calls are not being answered or responded to nor are my emails being addressed directly.
Consumer complaint received 2017-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NJ)

on  XXXX   XXXX  i suffered water damage at my house and filed claim with my insurance company,   XXXX   XXXX   XXXX   hired people to do work cleaning home and repairing certain items.they also provided check for me t o hire contractor t o repair home.all checks listed jp morgan chase as co -payee and checks had to be deposited in an account controlled by bank.to date jp morgan has received approx  XXXX  bills ha ve been submitted totaling approx  XXXX  and at this point jp morgan chase has only paid out  XXXX  i  and vendors providing work have contacted them ove r 25  times with limited success.it seems every call is answered by different person who is somewhat clueless as to the situation  XXXX  is refusing to release monies which are not rightfully theirs.i have spent countless hours trying to rectify this matter to no avail.bill   XXXX  need to be paid and jp morgan chase has copies of those invoices, i don t understand why they are not relesing funds
Consumer complaint received 2017-10-15
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)

There is an unauthorized inquiry on my credit report made by XXXX XXXX on XX/XX/17 that does not belong to me. I have spoken with the creditor who claims I must contact the credit bureau. When I speak with the credit bureau, I am told to speak with the creditor. This inquiry does NOT belong to me and is adversely affecting me.
Consumer complaint received 2018-03-21
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. (CA)

Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made XX/XX/XXXX. 
I contacted XXXX XXXX XXXXXXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter.

Very Respectfully, XXXX XXXX
Consumer complaint received 2019-03-01
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: LEXISNEXIS (NJ)

In the month of XX/XX/XXXX, I placed a freeze of information on my reports with LexisNexis, the freeze was granted and took place on the XX/XX/XXXX. On XX/XX/XXXX, LexisNexis released my information to XXXX Credit Bureau, without consent and unlawfully disregarded my Freeze of information. I respectfully request from CFPB to have LexisNexis delete the information of the chapter XXXX bankruptcy that was released from my report immediately with confirmation. Documents are being sent and underway to CFPB by USPS Mail to show the proof of LexisNexis Violation of releasing personal and public information to outside sources violating the FCRA and the Federal Law. 
On XX/XX/XXXX, I have sent a dispute to LexisNexis concerning the bankruptcy chapter XXXX reported on my file, a formal respond was suppose to have taken place from LexisNexis within 15 days, 40 days has gone by and I haven't heard any reply or any response from LexisNexis, which also puts LexisNexis in violation of the FCRA and should demand it to Delete the chapter XXXX bankruptcy off my report. Documents of proof are under way to CFPB. I request from CFPB to use it's proper laws and inspections over this matter and have Lexis Nexis Delete this public record immediately.
Consumer complaint received 2018-03-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Clearing House of America, Inc. (TN)

Credit Clearing House of America, Inc.is in violation of the Fair Debt collection Practices Act ( FDCPA ), in which have not validated derogatory information on my consumer credit report they added XX/XX/XXXX and reports monthly. 
This account does not belong to me and I have never signed a contract with this company. And they have never mailed documentation in reference to a debt, or contracts containing my signature or information. 
They are stating I owe them a balance of {$190.00}. 
A request for VALIDATION was mailed XX/XX/XXXX, with no response.
Consumer complaint received 2017-11-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I am based in the XXXX and have a coinbase account. They had no issue taking my money but since I have sold my bitcoin the service of withdrawing the money is non existant. The some of XXXX is still in my coinbase account and it will not let me click on my saved account to withdraw the money. I have tried contacting via email and twitter with zero response.
Consumer complaint received 2021-05-21
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: EQUIFAX, INC. (WI)

Showing old accounts over 7-10 yrs closed and credit score dropped 100 points and credit bureau can not explain why? 

I went from XXXX to XXXX and my accounts are paid up in advanced by two months or more and on time 100 %. 

In fact, it should be well over 800 points. I have compared my report to other reports that are not in so good standing and theirs are far better than mine. 

I am really questioning if credit reporting bureaus is a discriminatory system, because there should be no way people who have a 20 yr negative debt on their report with no loans or credit with a score of XXXX which is way higher than mine, at XXXX. I am just baffled? Of whom the person is non XXXX XXXX.
Consumer complaint received 2018-03-21
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: Experian Information Solutions Inc. (NY)

I am contacting you because my son is a victim of identity theft and his father was XXXX  for using my sons identity as well as mine. My ex husband has the same exact name as my son which made it easier for him to take over my sons identity. Any information in the credit bureaus are fraudulent and do not belong to my XXXXyr old XXXX  son. I am submitting documentation to support what I am telling you and would like all credit files in my sons name closed and an alert put on my sons social because this is fraud. My sons name is XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am contacting you because my son is a victim of identity theft and his father was XXXX  for using my sons identity as well as mine. My ex husband has the same exact name as my son which made it easier for him to take over my sons identity. Any information in the credit bureaus are fraudulent and do not belong to my XXXXyr old XXXX son. I am submitting documentation to support what I am telling you and would like all credit files in my sons name closed and an alert put on my sons social because this is fraud. My sons name is XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-03-01
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: SYNCHRONY FINANCIAL (OR)

I received an e-mail notification from XXXX that there had been a " Hard Inquiry '' on my XXXX credit report dated XX/XX/2019. I contacted XXXX and explained to them that I have never done business with a company called " XXXX XXXX " and that I want the Hard Inquiry deleted from my XXXX credit report. XXXX told me I had to contact XXXX XXXX and get them a to write a letter to me, then I can take that letter and mail it to XXXX. I have never done business with XXXX XXXX and thus have no account with them to write a letter from. I tried calling the number listed for XXXX XXXX ( XXXX ) and it just rang with no answer.
Consumer complaint received 2018-03-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

XXXX continues to keep this debt on my credit report even though they still have not provided anything with my signature or a social security number to prove ownership. If they bought the debt they should have these things if they belong to me. 

It is the debt collector 's burden to provide and prove this.
Consumer complaint received 2017-04-24
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. (MS)

I am writing to dispute the following information in my file. I recently received a copy of m y Trans Union  credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.     Under the Fair Credit Reporting  Act, 15 U.S.C. 1681g I have t he right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.     If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required unde r Section 611 ( a ) ( 5 ) ( A ) ( i  ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.     Under the FCR A 15 U.S.C. 1681i, all  unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.     Please provide me with a copy of an updated and corrected credit report showing these items removed.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B . Insurance C. Employment D. Court O rder The following credit inquiries are related to none of the aforementioned permissible  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2023-01-27
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. (TX)

FCRA Violation : address not mine XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : credit card not mine XXXX XXXX {$1200.00} XXXXXXXX XXXX {$1500.00} XXXX XXXX {$1400.00} XXXX XXXX {$840.00} XXXX {$1500.00} XXXX {$840.00} XXXX XXXX FCRA Violation : other loan never been late XXXX XXXX XXXX  FCRA Violation : collections not mine XXXX XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX {$1100.00}
Consumer complaint received 2021-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (FL)

Pay Pal Ref : Transaction ID - XXXX Ref : Profile # - XXXX Pay Pal is claiming I received duplicate refunds to my XXXX Visa and I owe them for one. I have told them repeatedly, I only received one, and only after I contacted Visa for not receiving the original. 
- On XX/XX/XXXX, they processed a refund of XXXX. That was NEVER credited to my credit card account. When I contacted PayPal, they said it was NOT their problem and to contact XXXX Visa. 
- On XX/XX/XXXX, after contacting XXXX Visa, I received a TEMPORARY credit of XXXX, back-dated to XX/XX/XXXX. 
- On XXXX  XXXX, XXXX Visa resolved the issue and issued a PERMANENT credit of XXXX, NOT a 2nd refund. 

I have talked to them 3 times, and sent them 3 months of my Visa statements ( 3 times ) which show the original purchase, and one refund - which THEY requested. They have ignored the statements and my explanation, and continue to call and email saying I owe them this money. 

My view is IF they paid two refunds to Visa, than that is between them and Visa. I only got the one I was owed.
Consumer complaint received 2017-10-15
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)

There is an unauthorized inquiry on my credit report made by XXXX XXXX on XX/XX/16 that does not belong to me. I have spoken with the creditor who claims I must contact the credit bureau. When I speak with the credit bureau, I am told to speak with the creditor. This inquiry does NOT belong to me and is adversely affecting me.