davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-19
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. (TN)

On XXXX I sent a letter to each of the credit bureaus because I bankruptcy on my credit report is not reporting 100 % accurately as it should be per the FCRA. Each of the bureaus sent a letter back saying they the information was correct and that they received the information from either XXXX XXXX or from my local court. On XX/XX/16 I sent another letter to each of the credit bureaus again stating that I had already contacted XXXX XXXX and had my account frozen months ago because of a personal matter and I provided them with proof that my XXXX XXXX account was frozen so they blatantly lied about verifying the accuracy of the information! I also contacted my local court to see if they could provide clarity and they said they had not sent any information to the credit bureaus. I also sent proof of this to each of the three bureaus. I sent my last communication to them certified mail to keep a track record, I'm also taking great notes of our communication. The FCRA states that the information that they are reporting should be 100 % accurate and verifiable. They have failed miserably to verify my information. They are only sending me canned responses as if they dont care about the information reporting wrong. I plan to take steps to sue EACH of them and thats why I'm taking notes and keeping records
Consumer complaint received 2021-10-19
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: EQUIFAX, INC. (TX)

I contacted the credit bureau to inform them that these companies had performed UNAUTHORIZED inquiries on my report and the bureaus stated I needed to contact the companies individually, which I did and the companies stated they had no knowledge of these inquiries and I needed to contact the credit bureaus. The bureaus are refusing to remove these inquiries and it is causing problems with my credit profile. Several of the inquiries are duplicates. I have contacted Equifax a total of 4 times to get these inquiries deleted and each time they send me a letter stating the inquiries have been investigated and they are factual and the credit bureau also states the companies have a right to obtain my credit report without my authorization or consent. This is against the FCRA laws and I have contacted the FTC regarding this matter. The report number with be listed at the bottom. These are the inquiries that are listed on my Equifax credit report that were NOT AUTHORIZED by me : 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 XXXXXXXX. The company has refused to remove these inquiries stating these creditors have a RIGHT to check my credit, which is untrue because I didn't authorize the credit checks. They also states the inquiries were factual and I would like proof of authenticity and proof regarding how these inquiries were verified to be factual. I have also filed a complaint against the credit bureau with the FTC. FTC report # XXXX.
Consumer complaint received 2021-11-03
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: Resurgent Capital Services L.P. (NV)

According to 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I did not give any consumer reporting agency permissible purpose or written instruction to furnish any reports on my behalf. The fact that LVNVFUNDG is reporting to my consumer report is a violation of 15 USC 1681 ( a ) ( 2 ). And they are reporting this as an open account, but they are a collection agency and I never made any agreement or contract with them. They are in violation in more than one area and need to be stopped.
Consumer complaint received 2021-08-20
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)

ID THEFT VICTIM. People have been opening accounts in my name and defaulting. i need this info removed from my report asap XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  {$260.00} Balance updated XX/XX/2021 XXXX XXXX Original creditor : XXXX XXXX 
{$690.00} Balance updated XX/XX/2021 XXXX
Consumer complaint received 2020-09-01
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. (PA)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am not familiar with. Please remove these items from my report. XXXX XXXX XXXX XXXX   XXXX {$0.00} XXXX XXXX {$140.00} XXXX XXXX XXXX  XXXX XXXX {$80.00} XXXX XXXX XXXX   XXXX {$1000.00} XXXX XXXX {$13000.00} XXXX XXXX XXXX  XXXX {$20000.00} DEPT ED/XXXX   XXXX {$3200.00} DEPT ED/XXXX XXXX {$1800.00}
Consumer complaint received 2021-11-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My international wire transfer didn't go thru on XX/XX/21, so requested revert the transfer on XX/XX/21 but I have not gotten my money back yet. 

Transfer Confirmation # XXXX Order # XXXX I am really need this money ASAP. 
Please help. 

XXXX XXXX XXXX
Consumer complaint received 2021-10-19
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. (CA)

On XX/XX/2021 and XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NC)

I made principal-only payments to Mr Cooper via their online portal with enough funds to payoff my mortgage in advance of the monthly payment date. One of my payments ( transaction 173 ) was mis-processed by Mr Cooper 's system as a monthly payment, split between principal and interest, leading to my loan not being paid off. I have spoken with countless agents at Mr Cooper, requesting transfer of the interest payment of {$140.00} in transaction 173 to principal and have been run in circles with no resolution for several days. Once the {$140.00} is transferred to principal, the loan should be paid off and closed. Agents and management have deflected responsibility, hung up, redirected my call back to the automated system, and generally exhibited no concern for what would seem to be a simple request. My request has supposedly been escalated for management intervention for several days, but nothing appears to be moving forward and no one will take ownership to keep me apprised on status. Not only is there gross negligence in customer support, it appears there is systemic resistance to assisting with loan payoff.
Consumer complaint received 2020-11-17
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (NH)

XX/XX/2020 I received a Visa Debit Card from U.S. Bank ReliaCard in the mail. 

I did not request this card, nor do I receive, nor have I ever applied for, government benefits. 

I attempted several times to call and cancel this account. I did not activate the card or provide any personal information although to get through on the phone menu I was asked to provide personal information, which I did not. 

I am concerned about this being a phishing scam and also that my identify could be compromised. 

There is no mechanism to contact the company and deactivate this account or remove myself from their phishing database. I do not wish to identify myself to them considering to do so, it would mean that I would have to give them more information about myself.
Consumer complaint received 2020-09-01
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (CA)

I called Wells Fargo ( XXXX XXXX  ) on XX/XX/2020 letting them know that I received wrong information about my account. When I called to ask to a manager I couldnt XXXX her because I am XXXX XXXX she tells me to switch it to the other XXXX than she transfers me. I was trying to make a payment and to file a complaint about my customer service experience with the previous rep. I got frustrated because the manager would not take time to listen to me she tells Im being rude but I have XXXX XXXX so my voice projects louder not because I am angry.My XXXX is in XXXX because it is XXXX so I have limitations.
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

My home closed on XX/XX/2020. Mgt on XXXX XXXX XXXX, XXXX, NJ XXXX - XXXX  XXXX  Loan # XXXX. 

My SS. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NJ. XXXX My paid off mortgage on XXXX XXXX XXXX, XXXX, NJ XXXX - XXXX  XXXX  Loan # XXXX is still showing up as outstanding on my credit reports Mgt on XXXX XXXX XXXX, XXXX, NJ XXXX - XXXX  XXXX Loan # XXXX
Consumer complaint received 2018-07-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PMAB,LLC (NC)

Im trying to make this simple .on the date XX/XX/XXXX and XX/XX/XXXX I receive 2 colect bills from you now! In telling yo this debt was result of identity theft Im going to provide you a police report and mi right and legal documents to prove it I want to know how you can collect a bill in my name without the right documents Im filling up a report to this company be cuz I never have any service from you or you originally colect person company.. I will go to the bottom line in this matter yall can follow this with the XXXX county police dept
Consumer complaint received 2021-11-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (AZ)

I received a fraudulent charge on my credit card statement for {$170.00} on XX/XX/2021. I called Macys card services various times to submit a claim over the phone, to which their only solution was to send me a new card with a new number without removing the charge from my account. I then wrote a letter to them disputing the charge and received written correspondence that they received my fraud claim on XX/XX/2021 and would notify me with the results of the review. On XX/XX/2021, I received notification that they had completed the investigation and found that the charge was in fact fraudulent. Two statement periods have now passed since then and I have not received a credit on my statements for the {$170.00} or the interest that they charged me associated with the fraudulent transaction.
Consumer complaint received 2020-01-21
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. (UT)

XXXX # XXXX is reporting lates to my account that I should not have. It has always been on auto draft and the debt was sold to XXXX XXXX at the beginning of 2018, however the new loan is also showing the same late. By law lenders are to give 60-90 days for servicing transfer. I was never late and this should not have lates on it.
Consumer complaint received 2020-09-01
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX  XXXX/XXXX  XXXX potentially negative icon Potentially Negative StatusClosed. {$610.00} written off. 
Account TypeCredit card Balance- Date OpenedXX/XX/XXXX Dispute XXXX XXXX/XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid in settlement. {$1000.00} written off. 
Account TypeCredit card Balance- Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$170.00} written off. {$170.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$170.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$610.00} written off. {$510.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$510.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$210.00} written off. {$210.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$210.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$2600.00} written off. 
Account TypeAuto Loan Balance- Date OpenedXX/XX/XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Open. 
Status Updated XX/XX/XXXX Balance {$7800.00} Balance Updated XX/XX/XXXX Recent Payment $ 435 Monthly Payment {$430.00} Original Balance {$18000.00} Highest Balance {$0.00} Terms 84 Months XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$170.00} written off. {$170.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$170.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$610.00} written off. {$510.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$510.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$210.00} written off. {$210.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$210.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$2600.00} written off. 
Account TypeAuto Loan Balance- Date OpenedXX/XX/XXXX Dispute XXXX XXXX   XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeAuto Loan Balance {$7800.00} Date OpenedXX/XX/XXXX filed ftc not mine
Consumer complaint received 2020-09-04
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. (NJ)

I have attached copies of my file from XX/XX/XXXX and XX/XX/XXXX of this year. XXXX XXXX had reported the account as being 30 days late one time in XX/XX/XXXX ( on the XX/XX/XXXX report ). But as you can see on the XX/XX/XXXX report, the account now shows a series of delinquency from XXXX through present with the existing status of 120 days delinquent. The report date of the item in question is XX/XX/XXXX and XX/XX/XXXX respectively. 

I disputed this with the bureaus who sent it to XXXX XXXX. XXXX XXXX   provided the attached letter indicating that indeed the account was only late in XXXX and that is how they reported it to the bureaus. 

I spoke to a credit bureau representative who provided the standard : " We are not arbitrators. If XXXX XXXX sends us the data, we report it ''. 

I am stuck in a loop on this. The error ( either at XXXX XXXX 's reporting or on the bureau level ) is costing me thousands of dollars in financing fees.
Consumer complaint received 2017-12-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I did a wire transfer to Coinbase.com of XXXX to invest in cryptocurrency.

I received a message on their website regarding the transfer and that it will be delayed and processed

within 24 hours. It 's been 48+ hours now and nothing. I
've been on hold on their phone customer support for 1 hour, TWICE in a day. I 'm not the only one experiencing issues like mine. People have even been locked out and accounts r
emoved with way more money than me, with no reasons given.
Consumer complaint received 2020-12-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LendingPoint Holdings LLC (ID)

This LENDING POINT loan was paid off on XX/XX/2020. That is the date my payoff check cleared my bank. I am due an over payment refund of {$600.00}. I have made more than 5 telephone contacts and multiple email contacts with the promise the payment will be processed with NO RESULTS. On XX/XX/2020 I contacted customer service representative XXXX XXXX and was informed there was no record of payment and she would check with management who in turn was going to work with the accounting department and someone would contact me. A supervisor called me and left a message stating everything was worked out and to please call back at the number he left to let them know if they should mail a check or wire the money back into my account. I called the number repeatedly for 3 days and all I got was a fast busy signal. I then emailed XXXX XXXX and explained I had received a message from a supervisor who left a worthless phone number. I again asked when my money was going to be refunded. Again, I called customer service yesterday and was transferred to a supervisor who stated they were working on it. I was paying over 70 % interest on this loan. Am I being paid interest on my money which they are still holding? During one conversation with a customer service representative last Wednesday I was asked to provide my bank account and routing number so they could do an electronic deposit. I provided that information. Today is XX/XX/2020 and still no money in spite of my conversation yesterday with yet another supervisor who told me it would be taken care of. MORE LIES FROM LENDING POINT. THESE PEOPLE ARE LYING THIEVES. Where is my money. By God, when the mail was one day late when making payments I would get bombed with emails, text messages, and phone calls asking where the payment was. Now the shoe is on the other foot, and they couldn't care less about paying me my money.
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XXXX XXXX disputes were mailed to to TransUnion for investigation of those accounts. TransUnion failed to respond. As a matter of fact TransUnion has committed several violations as it pertains to my credit profile. According to 15 U.S. Code 1681i ( A ) ( 1.A ) which is federal law the accounts that were disputed were supposed to be removed from my credit while a full and complete investigation took place. TransUnion did not remove or notate these accounts were even in dispute, much less remove them while an investigation took place. As per my understanding, the law is the law and these are my federally protected rights as a consumer. In my eyes and understanding TransUnion was willfully neglectful with the handling of my credit file. Also since were cognizant of the laws lets go a step further and note that under 15 U.S. Code 1681b-permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates I, XXXX XXXX XXXX never gave TransUnion any written consent to report anything on my consumer report, No consent is identity theft. A copy of law is attached along with the dispute letter sent. 

Concerning the accounts listed below as a consumer Im demanding a deletion of these accounts. 

Acceptance Now Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX/XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX. Account # XXXX XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX  XXXX Account # XXXX As a consumer Im enforcing my rights and demanding immediate deletion of the above listed accounts from my credit report.