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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair credit reporting Act XXXX Accounts listed as followed 1. XXXX XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency Can not furnish a account without my written instructions.
Consumer complaint received 2020-11-23
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. (IL)

Trans Union Credit Reporting agency is reporting inaccurate information on my credit report. Information is inaccurate and does not reflect the status of payments made to the banking institution. The incorrect information is reported as collection from XXXX XXXX for the month of XXXX and XX/XX/2020. The institution stated no derogatory information has been reported to Trans Union on any of my accounts. Trans Union has placed inaccurate information on my account which has reduced by credit score by a significant amount. I would like this incorrect information corrected and removed from by account.
Consumer complaint received 2021-10-22
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (SC)

Back in XXXX I was trying to refinance my home with Amerisave Mortgage. XXXX XXXX is the rep I was dealing with and I was also communicating via email with a person named XXXX XXXX. On roughly XX/XX/XXXX ( and I can certainly verify that ) but I paid XXXX {$500.00} for my home appraisal. Before I agreed to send them this money I asked my rep XXXX to confirm why I was sending them this money, etc .... ( I was recording the conversation ) He said I had to pay the {$500.00} before I could schedule my appraisal. This was just the beginning of the drama and unprofessionalism I dealt with. However, I never refinanced with them because they were constantly asking me for information I had already submitted and they also had my job history screwed up. I chose not to do business with a company that couldn't keep track of my personal information and therefore I never had my home appraised, although I had paid {$500.00}. I have called this company NUMEROUS times, I have emailed my reps, I have left messages with a person that took my call on several occasions and they were to have a manager call me, to no avail. Last Thursday I believe, I called the company and the operator that answered said she would get a manager for me and then she came back to the phone and said my rep XXXX had been trying to reach out to me and transferred me to him. He answered and then immediately transferred me back to the automated system and I got another person. I told her I wanted to speak to a manager and she said she would take a message and have someone call me and I still haven't heard from anyone. I am reaching out here before I contact my bank and see what they can do to help me recoup my {$500.00}.
Consumer complaint received 2021-02-11
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP (PA)

I have a Pennsylvania pua relia card from us bank. It has been locked since XX/XX/2020. Ive called customers service about 18 times and they say they cant help me and there is nothing I can do to speed it along. Ive also sent ID and selfie to there ID web page about 8 times and the card is still locked. I now have almost 4000.00 on there and haven t been able to use any of it for 2 months. This is the only income I have because I cant work because of covid.
Consumer complaint received 2018-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have called, mail both with tracking and regular mail to all 3 credit buries to remove inaccurate personal information from my credit report.

Here is the USPS tracking XXXX, XXXX XXXX, XXXX, XXXX They have being unresponsive and I can't deal with them anymore and need your help to resolve this.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : 1. XXXX XXXX Balance Owed : {$250.00} 2. XXXX XXXX Balance Owed : {$260.00} 3. XXXX XXXX Balance Owed : {$370.00} 4. XXXX XXXX Balance Owed : {$170.00} 5. XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} 6. XXXX XXXX Balance Owed : {$0.00} 7. XXXX XXXX Balance Owed : {$0.00} 8. XXXX BANK XXXX Balance Owed : {$0.00} 9. XXXX XXXX Balance Owed : {$0.00} 10. XXXX XXXX Balance Owed : {$0.00} 11. XXXXXXXX XXXX XXXX XXXX Balance Owed : {$6500.00} XXXX. XXXX XXXX Balance Owed : {$0.00} Experian : 1. XXXX XXXX Balance Owed : {$130.00} 2. XXXX XXXX Balance Owed : {$240.00} 3. XXXX XXXX Balance Owed : {$370.00} 4. XXXX XXXX Balance Owed : {$170.00} 5. XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} 6. XXXX XXXX XXXX Balance Owed : {$0.00} 7. XXXX XXXX Balance Owed : {$0.00} XXXX 1. XXXX XXXX Balance Owed : {$250.00} 2. XXXX XXXX Balance Owed : {$260.00} 3. XXXX XXXX Balance Owed : {$170.00} 4. XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} 5. XXXX XXXX Balance Owed : {$0.00} 6. XXXX XXXX Balance Owed : {$0.00} 7. XXXX XXXX XXXX Balance Owed : {$0.00} XXXX. XXXX XXXX Balance Owed : {$0.00} XXXX. XXXX XXXX Balance Owed : {$0.00} 10. XXXX XXXX  XXXX XXXX Balance Owed : {$6500.00} 11. XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2020-11-23
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. (LA)

Contacted Transunion numerous times from XX/XX/2020-XX/XX/2020. Filed multiple disputes and disputes are still not resolved. Identity was mistaken with someone else, credit was ruined.
Consumer complaint received 2021-06-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I was recently granted a loan modification. I just finished with the trial period and received the details of the loan modification agreement. First my interest rate remained at 6.25 %. But even more egregious was the fact that they are charging interest on an advance of {$6000.00}. In the end, my monthly payments are about {$200.00} more than I was originally paying prior to the modification.
Consumer complaint received 2021-10-22
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 — Their investigation did not fix an error on your report
Company: TRANSWORLD SYSTEMS INC (AL)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.
Consumer complaint received 2021-10-22
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. (GA)

I, XXXX XXXX XXXX, fully authorize this investigation. I am a victim of Identity Theft & I have attached my FTC Identity Theft report. Please see the attached information and remove all the corresponding unauthorized information promptly within 4 business days.
Consumer complaint received 2021-06-01
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: EQUIFAX, INC. (PA)

I recently found that there are several unauthorized items on my credit report that dont belong to me. I do not have a record of doing business with these companies. Kindly delete these items off my credit report immediately. Further action might involve a consumers rights attorney and a lawsuit. Please remove these accounts as you know they are in violation of the Fair Credit Reporting Act.
Consumer complaint received 2021-12-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

Thursday night I got a text from coinbase ( Your Coinbase verification code is : XXXXDo n't share this code with anyone ; our employees will never ask for the code. ) even-though I wasnt even using my phone, thats when I realized something was wrong. Immediately I noticed my phone service ( XXXX ) was gone ; With 2 different phones i called coinbase and XXXX right. After 30 minutes of waiting I got a rep from coinbase on the line, they said hello and asked for my name and hang up the phone as if they didnt hear me on the other end. At this time my money was still in the account and had the rep done their job they would have been able to block my account before my money was all transferred out. As I called coinbase back I got a hold of a XXXX XXXX on the other phone and they started to look for what had happened with my account. It turned out that a XXXX rep in another state ( Wisconsin ) had activated my line on another SIM card ( sim-swap ) without my permission or any of my identification. After a few long minutes I was able to take control of my phone number again. Once I reached another Coinbase rep with the alternating phone it was already too late as I had already lost a little under {$60000.00} and it had transferred out of my account. By the time that rep helped me secure my account I was able to save the last few crumbs of my account totaling about {$3500.00}. Coinbase hasnt reached out yet and I am still waiting for XXXX to finish their investigation. 
XXXX is at fault for switching my sim without my permission ( possibly an inside job ) Coinbase is at fault for not helping me the first time and hanging up the phone on me in such an emergency situation.
Consumer complaint received 2020-07-23
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (FL)

I contacted Better Mortgage Corporation and applied for a loan. After 45 minutes to an hour on the phone with the agent and providing all of my data for credit retrieval and wholistic financial overview, I was pre-approved for {$370000.00} with a down payment of {$11000.00}. I then began to view/tour numerous homes and after nearly 2 months, I made an offer on a home that was accepted. I paid approximately {$470.00} for the home inspection and placed {$4000.00} in escrow. When I sent the the contract to Better Mortgage, they refused to send my information to underwriting citing that my DTI was too high. I inquired about their process indicating that my DTI did not pose a problem for the pre-approval nor had I taken on any new debt since receiving the preapproval.
Consumer complaint received 2020-11-04
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (CA)

I turned in the leased vehicle in late XX/XX/XXXX. Through the lease term, all payments were made timely by auto draft. In late XX/XX/XXXX GM Financial sent me the final billing which included damages noted in the inspection ( inaccurate ), a disposition fee ( per the contract ) and sales tax on the disposition fee. I called to dispute the damages, which was really tire wear. The rep adjusted the charge off because I had paid a damage waiver premium. I also advised her that it California, sales tax is not applicable on a lease disposition fee, referring her to the proper section of the California Revenue and Taxation Code. She referred me to GM Financial Legal, advising me to write my complaint and fax it to them. I did so on XX/XX/XXXX. I remitted the lease disposition fee, without tax, and received no further word From GM Financial. I believed the matter settled. 

Recently I attempted to refinance my home and discovered that GM financial reported me late, 3 times, each in excess of 30 days. A rather serious blemish on my otherwise perfect credit history. On XX/XX/XXXX I called GM Financial in an attempt to clear the matter. The rep was insulting and unhelpful and referred me to the Fax communication only Legal Department. I remitted another fax asking to correct their error. I disputed with the credit reporting agencies as well, but seemingly GM Financial refuses to rectify the matter or respond to communication.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I wrote TransUnion asking them to delete 2 collections from my report that are reporting inaccuracies, a XXXX account and regional acceptance account number XXXX aswell XXXX account number XXXX Ive stated certain laws to them that they are disregarding I even spoke with the XXXX at XXXX in the head of the fraud department and she told me she was not aware of law 15 usc maximum possible accuracies, no collection can have a late payment, the collections are still reporting late payments when they was agreed upon and paid off, these are terrible inaccuracies that are hurting me as a consumer and holding me back in life, XXXX is bullying me into a corner and they should be punished Im a us veteran who had served for my country I dont deserve this Ive wrote them since XX/XX/2022 its now the end of XX/XX/2022 XXXX
Consumer complaint received 2021-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received a text message from XXXX saying it was my bank Bank of America and they were asking if I made a transaction in XXXX Texas at a XXXX I texted back no then they said I will receive a call from XXXX which is my banks number I checked the back of my debit card and googled it. So I assumed it was legit. They asked if I had made the transactions at XXXX and a gas station in XXXX Texas I said no then they asked if I knew anyone in Texas I said no. Then they said there was a pending transaction through XXXX for XXXX to someone in Texas I said I didnt do that so they said in order for me to get the money back I would have to send it to my name and I believe them and did it. Then I couldnt hear anyone anymore so I hung up and called the same number back and Bank of America denied ever calling me stating it wasnt them..I had gotten scammed. I think it was my bank stealing the money because it was their phone number I have the phone call log when they called me.
Consumer complaint received 2021-12-08
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: EQUIFAX, INC. (AR)

i have 1 closed and 2 open credit cards with XXXX XXXX and want these to re-inserted into XXXX and equifax today. pleaSE FURNISH ME LETTERS OF INSERTION FROM BUREAUS.
Consumer complaint received 2021-07-20
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. (PA)

Experian reporting completely inaccurate information on a collection account. Out of nowhere a collection account showed up on my report on an account that was paid in full. All equipment was returned, and a XXXX  balance remained. Yet inexplicably the account showed up in collections and Experian has refused to rectify this ... even though I have shown them it is inaccurate. They also will not furnish me any proof or evidence that this account even exists.This information is costing me as far as my mortgage rate as well as my daughters student loan rates. It is doing substantial and puitive damges to me financially. The fact that they are allowed to get away with this behavior is abhorrent.
Consumer complaint received 2021-07-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (CA)

first off this was from a paypal buisness account debit card i had for several years. 
i am an american, so have an american account, but the issue was due to a charge in XXXX. 
i rented a storage unit for 1 month $ XXXXusd, they had an ad that said they will move your stuff in free, after i rented it i asked when can the truck come for my stuff, they said it was busy for 6-8 weeks. then they closed for the day. 
i called paypal to explain the situation, i even sent in photos of the add stating they would move your stuff in, paypal said no problem, they would reverse the transaction, and gave me access to the XXXX again. approx 6 weeks later i learned they reviewed the transaction and reversed it because they have different rules for online transactions and in person card transactions-yet no one can provide me with those rules. 
they said i needed to go into the store i purchased my product from, and request a refund 1st. i gladly would have done that had it been in the month i paid for, no business would refund you for a period of time you paid for, a month after that has expired. 
i have called, every person on the phone agrees with me, but says i will never win my appeals ( i didnt ) they offered to eat XXXX if i payed the other XXXX, but they didnt credit my account with the money. 
considering i used to sell on XXXX, this has been a huge hit to my income as i am no longer allowed to have a paypal account.
Consumer complaint received 2021-06-01
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. (NC)

The account was with XXXX XXXX. I had this account over 15 years ago. The account was deleted from my credit report previously. However, it is reappearing on my credit report and they are refusing to remove it. They have sent it to collections. I have not had XXXX XXXX ( XXXX Bank ) since the early XXXX. My son was under XXXX years old when I had XXXX XXXX. He is now XXXX years old. How much longer will I have to deal with this?
Consumer complaint received 2021-12-08
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. (GA)

On XX/XX/2021 I sent a letter to XXXX instructing them to remove this account from my credit report. They still have not removed. This account is not mine. I am not responsible for this account. Account is XXXX XXXX. Again this is not my account, I am not responsible for this account, I have been removed from this account and now I need this account removed from my report.
Consumer complaint received 2021-07-20
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. (NY)

After multiple of disputes no information provided by the company ( XXXX  XXXX  ) is matching any of 3 Credit Bureaus .Enclosed is a reply from XXXX XXXX 
I have only received a reply from Experian that they verified information and its accurate and complete!!!??? Accurate and complete??? As per enclosed Screen Shot last time they verified this account XXXX means they never did .XXXX  sent me XXXX  sent me a post card stating that they can't find me in a system with a bogus explanation, which is basically computer generated " go away, do not bother us no more '' message .XXXX  did not even bother to reply ever .Please review all attached documents and Certified Mail Receipts.

Bellow is my brake down of how the account is reported by the furnisher and all 3 Credit Bureaus : Date account opened : XXXX  XX/XX/XXXX Ex XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX # of Month of terms : XXXX XXXX Ex. XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : XXXX {$6100.00} Ex XXXX XXXX XXXX XXXX XXXX Date of Last Activity : 4 different dates, even years!!!!!!!! 
XXXX XX/XX/XXXX Ex XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Which raising a huge question about when this account should come off the report!!! 
Please examen their own ledger. 

Date of Last Payment : Different Dates and even years!!!! 
XXXX XX/XX/XXXX Ex XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Which raising a huge question about when this account should come off the report!!! Please examen their own ledger. 

Last time reported : XXXX XX/XX/XXXX Ex XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX It means XXXX have never conducted investigation and have never responded to XXXX  and Experian .XXXX and Exppirian have never initiated investigation either. 
Now its even more understandable why all dates and dollars mismatch. 
What is even more interestingly that contract that apparently has my signature on it Doesn't have an account number that XXXX XXXX  refers to!!!!! How do I even know who this account number belongs to??????? 
To establish the credit file the furnisher must submit the initial contract to all 3 Credit Bureaus, than how this account number belongs to me without my signature????