davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In 2018, my bank account with Bank of America was listed as fraud. Someone hacked my account and got access to my passcode. They withdrew money and then claimed it was fraud but Bank of America stated it was me and I told them it was fraud. I have not been able to open any bank account with any bank at all.
Consumer complaint received 2020-11-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/XXXX I sent a dispute letter to Victoria Secret, Comenity Bank, and all 3 credit bureaus regarding an account that was opened in XXXX. XXXX  is still the only credit bureau listed on my credit report while XXXX and XXXX  has since deleted this inaccurate information from my report the first time around. It is well over 30 days and there is still 15 inaccuracies on my report which hasn't been updated or removed.
Consumer complaint received 2019-11-13
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. (FL)

The hard inquiries that were authorized by me with my consent are XXXX XXXX XXXX XX/XX/2019 and XXXX  XXXX XX/XX/XXXX and XX/XX/2019. All other hard inquiries were observed on my credit report recently and was not authorized by me and without my consent. These inquiries are listed below. 1 ) XXXX- XX/XX/2019, XXXX  XXXXXX/XX/2019, XXXX- XXXX XXXX, 2019, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 2019. Also see a previous consumer dispute sent on XX/XX/2019 in reference to XXXX XXXX technical issue that was pulled my credit report back to back many times after one credit application. Which they admitted to the issue and tried to resolve it. The hard inquiries still havent be removed associated with it. All 7 hard inquiries were done without my consent and was reported to thier security department and fraud team. The only hard inquiry that was authorized by me from XXXX XXXX was done on XXXX XXXX, 2019. All other inquiries were not authorized and their was a glitch and security issue that created multiple credit pulls which resulted in back to back credit pulls from this company. Several tickets were sent for the error to be fixed and the account was notated by several managers.
Consumer complaint received 2022-07-20
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. (GA)

The list of information in my report was inaccurate. I sent it to all the credit reports, asking them to investigate and verify my files. That information, however, is still being shared and affects my credit. The credit bureau did nothing to remove the incorrect information listed below as a result. 
EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date Updated : XX/XX/XXXX
Consumer complaint received 2021-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

Webster Bank lost my tax escrow money and has not paid the XXXX  XXXX  for the Town of XXXX, CT. I am now delinquent on my XXXX XXXX  and am at risk of XXXX legal action. 

I have paid my taxes through an escrow account with Webster Bank. On XX/XX/2021, Webster Bank deducted {$11000.00} from my escrow account to pay my XXXX XXXX  due XX/XX/XXXX and delinquent XX/XX/XXXX. As of today, XX/XX/XXXX, the XXXX has not received payment from Webster and I am accruing interest and potential tax liens by the town. 

I have been calling Webster for weeks to try and get answers about where my missing money is. I am getting delinquency notices from the XXXX. Webster has no answers when I call, promising to call me back, and then never calls me back. Weeks have gone by and this issue is unresolved. Webster is giving me the run around.
Consumer complaint received 2021-05-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (AZ)

On XX/XX/2021 Rash Curtis & Associates made an inquiry against my credit report without my knowledge. They are a collections agency for a medical company who they represent. We have been in contact with the medical company for over a year now asking for some form of details billing instead of just a line item with a number on it and no amount. RASH CURTIS was never given written or verbal authorization to check my credit ever!
Consumer complaint received 2019-11-13
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. (NY)

I STARTED OFF ATTACK THESE INCONSISTENT ACCOUNTS IN XX/XX/XXXX A FEW CAME OFF BUT MANY REMAINED AND I FIND THAT INCONSISTENT WITH THE REPUTATION OF THE 3 MAIN  CREDIT BUREAUS ( TRANSUNION, XXXX, XXXX ) TO REPORT INFORMATION ON MY CREDIT REPORT THAT IS ACCURATE CONSISTENT AND VERIFIABLE HOWEVER MY CREDIT SCORE IS SUFFERING BECAUSE THEIR ARE MULTIPLE ACCOUNTS THAT IS PASSED MY STATES STATUE OF LIMITATIONS ON WRITTEN CONTRACTS.

WHICH MEANS NOT ONLY ARE THESE NEGATIVE ACCOUNTS INACCURATE BECAUSE THE WAY THEY ARE REPORTING BUT THEY ARE INACCURATE FOR EVEN BEING REPORTED AT ALL.

NEW YORK LAWS GOVERN THAT THE STATUE OF LIMITATIONS ON WRITTEN CONTRACTS IS SIX YEARS YET I HAVE PROOF THAT THE CREDIT BUREAUS ALLOWS THESE CREDITORS AND COLLECTION AGENCIES TO CONTINUE TO REPORT INACCURATE AND UNLAWFUL INFO ON MY CREDIT REPORT WHICH IS INDEED A VIOLATION OF THE FAIR CREDIT REPORTING ACT. 



Credit bureaus, if they refuse to correct information after being provided proof of inaccuracy FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv- 01743 ).
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I could not obtain my free annual -- nor weekly -- credit report online because TransUnion was unable to sufficiently match the identifying information I provided with the information it has on file. Therefore, on XX/XX/XXXX I mailed my written request along with identity documentation to TransUnion Consumer Solutions, XXXX XXXX XXXX, XXXX, PA XXXX. On XX/XX/XXXX I received a response from TransUnion requesting additional documentation. On XX/XX/XXXX I mailed the documentation requested by TransUnion and included the file number from their letter. However, I have yet to receive my credit report or any other response from TransUnion in violation of my rights as secured by section 612 ( a ) ( 2 ) of the Fair Credit Reporting Act.
Consumer complaint received 2023-03-25
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. (FL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. i feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-07-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

We submitted the forbearance application on XX/XX/2020 because I became unemployed for a period of time due to COVID 19. We received a package back from XXXX  XXXX with documents to sign and return. We did not return the documents because we were under the impression that if we signed the documents, our loan would be placed in forbearance and we had decided that it would not be necessary for us to place our loan in forbearance. 
We attempted to call the loss mitigation department of XXXX XXXX  several times between XX/XX/2020 XX/XX/2020. We were sent a letter that had the name and contact information for our home preservation specialist within XXXX. I was placed on hold for up to 8 hours a day, several days in a row and when I finally got through to the client representatives voicemail, it was full and my call was disconnected. 
We emailed XXXX XXXX on XX/XX/2020, stating that we had attempted to contact him via telephone numerous times but had not been able to get through. We stated in this email that we did not want to be in the forbearance program. We also stated that we had mailed in our payment for XXXX but it still not yet been processed. Our online access to pay our mortgage was no longer available and we were directed to call the loss mitigation department. 
We spoke with a lady in XXXX that stated our online access would be restored in 2 days and that every single loan that XXXX had was placed in forbearance. We were assured that no late charges or penalties would apply to our loan during this time. 
We spoke with another customer service representative on XX/XX/XXXX and were once again reassured there were no late fees or penalties and that we were still in forbearance. We made the XXXX and XXXX loan payments via phone at this time. We again stated we would like to be out of forbearance and were told it could take weeks and someone would contact us. 
We then started the refinance process and were informed that XXXX had reported a delinquent payment to the credit bureau and my credit score decreased 100+ points. I am currently not eligible to refinance and take advantage of the current rates because of the misinformation and lack of communication on behalf of XXXX. We were told by XXXX XXXX with XXXX  XXXX on XX/XX/XXXX that they had to pull in people from other departments to handle the volume of calls they were receiving and that their employees could have given us wrong information. 
We contacted XXXX XXXX credit department and they have told us it will be 30 days to investigate the issue. We are requesting the delinquent report be absolved and the credit score to be restored so that we may move forward with the refinancing of our home.
Consumer complaint received 2021-02-11
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 — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P. (TN)

On XX/XX/2020 LVNV Funding LLC added a derogatory mark on my credit report per XXXX XXXX. Upon, Further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also there was NO written form of communication, contract, or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA LVNV Funding LLC has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2020-06-03
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2400.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXXXXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
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: EQUIFAX, INC. (NY)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should have been deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you 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 2021-11-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

PayPal has inexplicably " restricted '' my account and can no longer " do business '' with them without any reason provided to me other than " Some of your products or services are in violation of the PayPal Acceptable Use Policy. As a result, you can no longer do business with PayPal. '' To start off, I do not sell products nor services. I have sent emails to PayPal asking for explanation as to why my account has been banned and they have not responded. The only thing I can think of is that they are punishing me for initiating a chargeback through my credit card company earlier this year when PayPal sided with a seller who scammed me out of approximately {$100.00}.
Consumer complaint received 2020-07-24
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. (GA)

I have advised TransUnion on several occasions that I was never late on any of my open accounts in XX/XX/2020, XX/XX/2020, XX/XX/2020, or XX/XX/2020. I have provided proof that these accounts where not paid late, and TransUnion has failed to plea their case to who is providing them with this false information. Please help me to get this matter resolved.
Consumer complaint received 2021-10-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Figure Technologies, Inc (CA)

I applied for a home equity line of credit with Figure.com and this ONLY an online system and you have no contact with their representatives. 

Upon approval they send out documents for you to sign but never go into detail on how much origination is or the terms of the loan. 

They do send out a notary and notarizes the paperwork but never explains what you are signing. 

Upon funding the fee i paid for a heloq was XXXX for only XXXX, Im disappointed at the fact that i could've refinanced my home and still pay less in fees than getting this heloq. 

I urge this company to do better in explaining the terms and conditions to their clients before getting into any type of transaction with them.
Consumer complaint received 2023-04-01
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: Experian Information Solutions Inc. (CA)

It's been over 30 days since I filed my first complaint and this is causing hardship on me these negative items that's on my credit report under usc 15 1681 I never gave consent for any one to furnish my credit report and the inaccuracy is a violation of the fcra usc 1692g and I ask for verification of the debt with my wet signature on the original contract none have been provide or I would like all negative items deleted off my credit report.
Consumer complaint received 2022-04-29
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)

After reviewing my credit report on XXXX I noticed that discrepancy with account listed under Fair collection & Out on my Experian & the same account is listed under numbers XXXX on my XXXX & validation was requested as this was an account that I did not recognize. I reviewed my account again on XXXX & account continues to report. I have not received any correspondences from the creditor to validate this account as correctly belonging to me. After reviewing my account again for the last time for XXXX there has been no updates & the account is to reflecting on my report. I do not believe this account belongs to me I do not believe this creditors has authorization to access the account nor authorization to attempt to collect on this account & the account continues to negatively affect me. Please remove this account from both XXXX & Experian. 

I would like all addresses removed except XXXX XXXX XXXX XXXX XXXX pa XXXX on all three credit bureaus Reviewing my credit report XXXX XXXX  is reporting on my XXXX I been disputing since 2021 XXXX but, they will not validate the debt. I never heard of this company & I never authorize them to report on my credit report. As Im checking over my XXXX again its still badly Reporting my credit report. Please delete this account please
Consumer complaint received 2019-11-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (TX)

It shows on my credit report tht on XX/XX/2019 a amount of {$1200.00} and another amount of {$1700.00} is owed to XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX OF TX ), .. I  have reach out to the creditor multiple times asking them to remove the account out of my name because it doesn't belong to me ... the name that's on the account isn't even my full name.. I disputed it and even went and got a police report due to fraud.. and the creditor is still stating there is nothing that they can do because the account is sold to someone else.. The debt was once removed and now its appearing back on my credit.
Consumer complaint received 2021-11-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (NJ)

This company is abusing since I have more than two months fighting with this problem with this account opened for fraud. I contacted them. They asked me for a police report. They ask for a police report and they do not have the evidence or documents that allege that it is mine, it is an account opened for fraud and they do not want to help me solve this problem I will have to be legally current here I notify CFPB and yes.
Consumer complaint received 2018-02-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NY)

On XX/XX/2018 I notified Coinbase that I thought my PC was hacked. The next day I called them and also filled out an application which described how my PC was NOT hacked and that the Coinbase account was NEVER hacked. 
I requested that my account be reopened. 
Depending on who you speak to they ask you the same bloody questions ... did you fill out the four questions ... XXXX they are trained to mouth sympathy but do absolutely nothing! 
For the past month, the Coinbase representatives and supervisors tell me my account has been prioritized but can never give me a time frame when it will be reopened or even investigated. They also " agree '' that there is NOTHING to investigate!. They constantly send out robo emails thanking me for my patience! They all agree that I submitted the correct information AND my account was never hacked. 
They are completely unaccountable. They will not give you a id/last name. During this time period I've watched my investment decrease from {$9000.00} to maybe {$3000.00} Because I'm locked out of the account!. I encourage you to call these criminals and attempt to make them accountable. I would like the value of my account returned as of XX/XX/2018