davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-01
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. (NC)

XXXX  XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX  Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX  IN Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX  IN Mortgage Reporters XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2020-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently sent letters over 60 days ago to TransUnion and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.
Consumer complaint received 2020-07-16
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. (TN)

I checked my credit report and was unhappy to see a lot of inaccurate information on it. I then tried to reach out to this bureau by sending a dispute letter on XX/XX/2020 and I haven't received any results yet. Now I am deciding to go a step further by submitting this complaint.
Consumer complaint received 2020-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I recently sent my letter over 60 days ago, XX/XX/XXXX to be exact to this bureau and they are disregarding a regular consumer disputes. I am stressed and have been sending letters before this and still haven't received any results yet. Now I am deciding to go a step further by submitting this complaint.
Consumer complaint received 2020-07-16
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (WA)

I have been trying to complete a streamline FHA refinance since XXXX of XXXX with no success, with two attempted applications and two different loan officers. Every month they miss deadlines, then tell me my paperwork is expired, which I then re-submit. Then they will take over a week to " review '' a single page document, only to report something else is now expired. It's circular, over and over. I call every other day or updates and I'm told everything is great, given estimated closing dates, etc. Then a few days go by and its back to square one.  Resubmit, wait for the review, miss the XXXX of the month, and start over again. 

Today being the XXXX, I just experienced the XXXX month of this circular XXXX and watched my closing disclosures change by over XXXX XXXX dollars.
Consumer complaint received 2020-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX  Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2015-05-14
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was erroneously charged for items I did not purchase with my Bank of America cash back credit card. I called to file a dispute only to be told by the representative to go to the merchant and ask for a refund. She refused to let me file a credit dispute with them.
Consumer complaint received 2015-10-21
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BAnk Of America is inaccurately and incompletely furnishing information regardingthe one and only Bank Of America account listed on my report to the Credit Reporting Agencies inviolation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which BOFA is responsible. 

I dispute their information in its entirety and request evidentiary documentation that substantiates the information they have furnished and its reporting.
Consumer complaint received 2021-05-01
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: 1st Franklin Financial Corporation (AL)

There are several inquiries on my report that either I do not recognize or may have pulled my credit without my permission. I would like these inquiries removed from my report especially since I do not affiliate with most of them in any way. 

These companies include : XXXX XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 1ST FRANKLIN XXXX Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Telephone Companies Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX Bankcard Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX
Consumer complaint received 2021-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PNC Bank N.A. (DC)

PNC has been reported for attempting to open a credit card without permission. In early 2021, the company responded to the CFPB complaint assigning XXXX XXXX XXXX to the complaint. She responded with emails and calls till XX/XX/2021 and then suddenly I have not been able To get any response from her or managers. 

The issues were : Opening a credit card, application to the 2nd draw of PPP loans after receiving the 1st draw and timely mortgage payments made during Covid which were not being tracked by the bank :
Consumer complaint received 2020-07-16
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. (MI)

Have tried unsuccessfully to have my bankruptcy removed ; it has hindered my entire young adult years and I am unable to do conventional things like obtain a credit card and get a mortgage when I already own a house. I have filed multiple disputes with all bureaus and nothing happens with this bankruptcy.
Consumer complaint received 2021-09-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Recovery Systems, Ltd (MS)

My husbands credit report added a hit from Nationwide Recovery Systems on XXXX XXXX, 2021. The original creditor was from XXXX XXXX XXXX XXXX XXXX. They are a billing agency for physicians through XXXX. We previously settled a debt with them in XXXX so I contacted them. They stated nothing more was owed and had to idea where Nationwide was getting the dates of XXXX and XXXX and subsequent balances of XXXX and XXXX. They stated multiple times we owed nothing and nothing has been given by them to collections. They also told me how to get online and print out a itemized billing which I did stating he owed {$0.00}. This company has massive reviews on XXXX, XXXX  and other sites of scams and taking people 's money and not removing credit dings, etc. These people need to answer to all the anguish they are causing people.
Consumer complaint received 2020-07-16
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. (TX)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX, XXXX, DPT EDXXXX Company Inquiries : 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 2021-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Upon receipt of my Capital One Quicksilver credit card, Capital One , Inc. did not inform me of my right to rescind any transaction under 15 U.S.C. 1635. On XX/XX/XXXX, I mailed an affidavit of truth ( attached ) to Capital One Inc. 's legal department ( certified mail receipt attached ) which requested my due compensation under 15 U.S.C. 1640 ( invoice attached ) for each time this establishment failed to inform me of such an important right. My financial planning has been negatively impacted by Capital One Inc. 's actions.

Moreover, this establishment used my social security number as a credit card number to obtain credit under fraudulent pretenses [ see 12 CFR 1026.2 ( a ) ( 20 ) ]. It has been two months and I have yet to receive any response from Capital One , Inc.
Consumer complaint received 2021-08-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.
Consumer complaint received 2021-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX NY XXXX Last 4 Digits of SSN : XXXX While looking over my yearly credit report I see that there is some incorrect information regarding my personal information. There are addresses reporting to my credit report that are not associated with me. It seems as though you or the creditors have mixed my file with someone else that is in my family which is understandable being that our names are similar. I have included my license and proof of address to assist with the handling of this dispute. I am asking that you please remove any and all addresses that do not reflect the address that is on my license and/or proof of address so that the information on my credit report is accurate. 

Thank you so much for your time in assisting me with this matter. Please send me correspondence that shows that these changes have been implemented.
Consumer complaint received 2020-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX, XXXX, DPT EDXXXX Company Inquiries : 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 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I want to freeze my credit due to the recently reported hack which exposed my information to hackers months ago. XXXX will not freeze my report without charging me a fee. 

A freeze really needs to be free, since I did n't authorize them to either collect the information nor to distribute it to its customers. They are unconscionably trying to make money off the failure of their industry to protect consumers! I am appalled. 

Transunion is requiring that I sign away my rights in order to get the credit freeze. This is unfair as I have no other option other than freezing it through them.
Consumer complaint received 2020-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

XX/XX/XXXX and Equifax are still showing incorrect information. It shows that Chapter XXXX bankruptcy discharged that was original date filed/reported was XX/XX/XXXX Reference # : XXXX That was discharged and satisficed by the courts years ago!! And should have been removed I was educated on by the courts would fall off after being discharged. After starting a business with a bad partnership failed I was left caring more debt then I could handle and was recommended by my lawyers to file. I tried my best to stay afloat as long as I could but unfortunately couldn't keep up and had no other choices to file bankruptcy but at this point I've done nothing but positive things with my credit and bank relationships and even have an boosted my FICO score with XX/XX/XXXX because they have complied and removed the BK earlier this year when they should have and were supposed too. It's been discharged and satisficed by the courts since XX/XX/XXXX. This needs to be updated and removed from XX/XX/XXXX and Equifax as soon as possible to start reporting accuracy and not outdated false information.
Consumer complaint received 2020-07-16
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)

FTC Violations FTC Action Halts Operation That Billed More Than {$25.00} XXXX to XXXX XXXX XXXX and Credit Card Accounts without Their Consent XXXX XXXX, 2013 FOR RELEASE TAGS : payday lending Bureau of Consumer Protection Consumer Protection Credit and Finance Payments and Billing At the Federal Trade Commissions request, a federal court has temporarily halted an operation that allegedly used an intricate web of concealment to debit hundreds of thousands of consumers bank accounts and bill their credit cards more than {$25.00} XXXX without their consent. The court also froze the defendants assets and appointed a receiver to control the business pending trial. 
According to the FTCs complaint, the XXXX XXXX XXXX defendants targeted financially vulnerable consumers who had never come in contact with them, and without authorization debited their bank accounts and charged their credit cards, usually for about {$30.00}. Those who disputed the charges were told they had purchased something, such as financial counseling or loan matching services, or assistance in completing a payday loan application. How the defendants got the consumers financial information is not known, but some consumers had recently applied for payday loans via the Internet, and entities that receive payday loan applications often sell the information to other parties. 
XXXX XXXX XXXX  {$4900.00} XXXX - Card Service {$7500.00} XXXX XXXX XXXX {$380000.00} XXXX/XXXX  {$10000.00} Never live at XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2017-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (CA)

On XXXX/XXXX/XXXX, there was a XXXX charge of {$100.00} to a merchant that I 'm currently disputing with. This was for a service to modify XXXX on a XXXX XXXX XXXX to enhance the lightning bolt glow. Unfortunately, this merchant never worked on these expensive XXXX before, so he drilled unnecessary holes which can be seen from the outside of the car and made the lightning bolt very tacky. Also, he did n't know how to wire the XXXX so the lightning bolt was " always-on ''. It made these expensives XXXX ( $ XXXX XXXX look like {$200.00} home-made job. The merchant wanted me to leave my car overnight so he can fix these XXXX, but because this car is expensive and he had no insurance, I did n't feel it was right to leave my car there. What happens if my car was vandalized or broken into? The merchant worked out of a garage and neighborhood was a lot less to be desired. Basically, my car will be a guinea pig. 

I then decided to take my car to a different shop who have worked on these XXXX before and get the job done properly. 

I opened a dispute with XXXX XXXX XXXX for this {$100.00} charge, and they ruled in the favor with the merchant, even though I provided a detailed letter as requested by XXXX from the other shop explaining what the issues were and what was done to rectify them. The Customer Service XXXX told me they needed a detailed letter explaining what the issues and what were done, but still they ruled in favor with the merchant. 

I had never encountered such a dramatic bad experience with any credit card lender and will not be using XXXX credit cards anymore.
Consumer complaint received 2020-11-26
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I XXXX XXXX, have always believed in personal responsibility in maintaining an excellent credit history. However, in fiscal years XXXX and XXXX I faced multiple XXXX issues that basically kept me out of work. I always thought that I was making my credit card and auto payments within the 30-day grace period. Some of these payments may have been paid near the end of the 30-day grace period and werent posted until the next billing cycle. As a professional courtesy, I respectfully request an audited review of my payment history to see if any of the posted 30-day late payment histories can be deleted, or if I can be given a reasonable pardon for any indiscretions and have the prior payment history deleted altogether. I will maintain my payments professionally until the full term of the loan is over. 
XXXX XXXX
Consumer complaint received 2021-09-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

I made a wire transfer of {$53000.00} on XX/XX/2021 to Coinbase. My money was deposited successfully, I left it there and trusted Coinbase is a safe platform and left my balance untouched. A week later, I wire transfer {$18000.00} to Coinbase again. When I checked it hours later, my balance was only 0. Nothing left in the account. I contacted their customer service and no one answered the phone. Just yesterday they email me and let me know my account was hacked and locked my account as well. I dont share any information to anyone, Coinbase is the only one who had control over my balance and my money just vanished without any proper reason. I lost my savings of over {$70000.00}. They still hang me on without any follow up emails. 
I want to report this company and ask them to give back my money.
Consumer complaint received 2024-02-02
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: Experian Information Solutions Inc. (IA)

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX