davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report and it is now over 40+ days later and I have not received a response yet. I feel as though I am being taken advantage of and my disputes are being ignored. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been long over 40 days so they should be deleted prompted. I demand these accounts be deleted immediately or I will file for litigation due to the stress I have been caused. My information was also impacted by the XXXX data breach and may have gone into the wrong hands.
Consumer complaint received 2020-12-01
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: Securus J Holdings, LLC (GA)

Someone at Jpay/Chargeback cashed my money order for {$250.00} in XX/XX/2020 and did not post it to my intended person, XXXX XXXX XXXX, inmate XXXX. I have called several times from XXXX to XXXX and written to them. I sent them a copy of the cashed money order in XXXX and XXXX and no one has called me or written to me about my money. It has not been posted to XXXX XXXX account for commissary and it has not been returned to me. I have sent several payment to his account since this money order and there has been no problem. The money order was sent to chargeback by mistake and they took advantage.
Consumer complaint received 2017-12-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

I opened an account with Coinbase in XXXX of 2017. In late XXXX into early XXXX of 2017 the company 's system effectively locked me out of my account by an error that was happening on their dual verification system. After I emailed their customer service multiple times and received no response after days and days, I finally began to call them. I contacted them five times and waited on hold for one to two hours before I finally got through. Two of those times the customer service rep put me on hold and then the phone hung up. They did not call me back or email me, even thought they had my information. When I finally reached someone that said they could help, they instructed me that I would need to re-verify my credential, which is a process that takes up to 72 hours. I made the attempt to do so and tried to upload my license and photo a total of 17 times over a three day period. Each time I received an error message stating that their systems were overloaded and to try back. After all the attempts over a stretch of time, I called again and told it would be escalated to a senior adivsor. I was tole they can not tell me when I would hear back. In the meantime I have no access to my funds and have lost on significant profits as I would have sold off my currency at high points during the time I was shut out.
Consumer complaint received 2017-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Ive called TransUnion on several occasions last time was this past Tuesday XXXX and I have sent multiple letters asking them to remove inquiries on my report that I did not authorize but they are not doing absolutely anything with regards to my request.
Consumer complaint received 2020-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (NY)

Approximately 2 years ago, I was no longer under contract with XXXX. I had period of over 30 days that I had no internet service, XXXX claiming they had " local equipment issues ''. They promised me a credit, then did not issue it. Based upon the fact that they had not delivered the service I had paid for, and were not sure they could continue to offer the service, I switched providers. 

XXXX falsely claimed I was under contract. I produced documents that proved I was no longer under contract and could cancel. I also produced notes about the credit that was promised and never issued. 

XXXX placed me with a collection agency. I disputed it and provided the same information. That collection agency removed me due to the fact XXXX could not substantiate and I had evidence XXXX placed the debt a second time with a second agency, MRS . This is now a second placement of an approximately 2 year old false claim. It is unreasonable to expect me to hold onto documents indefinitely and have to provide them over and over again to random collection agencies MRS has also added a mysterious additional charge of {$200.00} for no reason. I have already disputed this and told them I require verification if they intend to pursue this. MRS has NOT answered me. 

XXXX can not charge me for a service they failed to provide me, especially a service I had already paid for. They may think submitting the debt numerous times to various different collection agencies will result in some money, but I am not going to fall for this unethical and probably illegal tactic. 

This alleged debt is absurd, I owe NOTHING and I want it removed once and for all
Consumer complaint received 2020-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (NV)

I had cable TV through XXXX XXXX. That entailed putting a deposit ( about {$500.00} ) for their cable boxes. I returned the boxes. I called XXXX XXXX directly and confirmed I don't owe them any money. 

However, a first collection agency ( I don't remember the name ) got the job of collecting the debt for the cable boxes and sent several collection letters. To every letter I replied, in writing, that I dispute the bill ; I don't owe XXXX XXXX any money ; and to stop sending me letters. At least one letter came with supporting documentation of at least a year old bill. I sent back the same thing, and told them to get a CURRENT bill. I stopped hearing from them. 

Today I got another letter from a different collection agency ( EOS CCA ; Collection Inc. ) offering to take about half of the debt I don't owe. I replied the same way and told them to get a CURRENT bill. 

I'm sick of this and want to file a complaint.
Consumer complaint received 2021-11-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (AZ)

My home loan was sold to Mr. Cooper Mortgage company. I had no say in them taking over my home loan!!! I started a recast with them in XXXX. I sent an additional {$270000.00} in order to lower my monthly payment from {$2400.00} per month to {$600.00} per month. I filled out the necessary paperwork in XXXX and sent it overnight to their office in Texas. I called in XXXX to find out why the new monthly payment wasn't showing in my online portal... only to find out they didn't show they had those documents. I talked to XXXX XXXX on XX/XX/XXXXth, sent her the signed required docs, and she sent me an email acknowledging that she received them ... and there was nothing else needed. XX/XX/XXXX, I received another email letting me know they did not have the proper documents needed and we would have to start over again, for the 3rd time. In the interim, I am paying the {$2400.00} as apposed to {$600.00} which I was expecting. If you can help, you would be a miracle worker. XXXX Loan number.
Consumer complaint received 2024-03-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (OK)

I received a notification on my FICO account that I had a collection debt with a third party assignee : Jefferson Capital System for original lender XXXX XXXX XXXX XXXX for original balance of {$15000.00} which is not my account nor have I purchased any items from this creditor.
Consumer complaint received 2021-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently obtained a copy of XXXX XXXX credit report from and found the following item to be in error : To wit on XXXX XX/XX/XXXX, I went to XXXX XXXX XXXX located XXXX XXXX XXXX XXXX, XXXX, Illinois and purchased a brand new XXXX  XXXX XXXX. On that said date, I gave written authorization to the on-premise XXXX XXXX XXXX  to process a hard inquiry to secure an auto loan which I was approved for in the amount {$34000.00}. 

After recently reviewing my credit report I have discovered a 2nd credit inquiry request by XXXX XXXX XXXX which may have been done in error. I only authorized XXXX XXXX XXXX which was located on the XXXX XXXX XXXX premises to procure the hard credit inquiry for the purpose of securing an auto loan. Please remove the 2nd hard inquiry attributed to XXXX XXXX XXXX on that same day ( XXXX XX/XX/XXXX ) from my permanent credit files, as it was done in error and/or without my written authorization.
Consumer complaint received 2017-12-14
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. (TX)

There is a XXXX XXXX credit card, account number XXXX, that is showing delinquent in XXXX and XXXX of XXXX. The account was closed at the time and should not have been showing delinquent. I have discussed the matter with XXXX XXXX and they said they rectified the issue on their end and would report the corrected information to the credit bureaus. The correction never happened and although I have disputed the information with the credit bureaus, the information is still showing incorrectly.
Consumer complaint received 2021-05-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (PA)

AFNI and one of many collection agencies who try to collect a XXXX Account for XXXX during the last year. When filing a complaint the companies that were reported ceased collection 's Many complaints about XXXX  have been filed with this bureau. I have asked several companies trying to collect this debt and when I tried to get them to verify this debt in writing, they just sent a copy of the XXXX bill ... I my opinion, this was not a validation of debt. See complaint XXXX
Consumer complaint received 2017-12-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (AK)

I have gotten 1-2 calls per day from Quicken Loans for the past week and a half this month telling me I was somehow interested in refinancing my existing mortgage. If I did, it was a mistake and I told them numerous times each time they called I was not interest and to take my name off the call list. I am continuing to get calls to this day. They have left two voice mails which means they are still calling me.
Consumer complaint received 2017-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE (VA)

XX/XX/XXXX - Applied online ONCE for Barclay Card/XXXX XXXX XXXX card ; immediate approval shown online for {$20000.00} Limit ; there was no time out or multiple submission XX/XX/XXXX - SIX separate mailings arrived with SIX separate card numbers and welcome packets XX/XX/XXXX - Two calls to Barclay ; both associates stated they had never seen this situation, authorization to speak with my wife ; left vmail with reference number XX/XX/XXXX - Called Barclay back ; numerous associates could not assist initially with issue ; explained primary concern is that this will impact Credit Bureau Reporting and requesting in writing the resolution - one unhelpful associate even said they do n't report to Credit Bureau and I had to say that could not be accurate. Finally another associate stated all other cards were closed except the one card ending in XXXX ; made one purchase online to satisfy promotional requirement of one purchase to obtain the XXXX XXXX XXXX miles promotion XX/XX/XXXX - Received SIX welcome emails between XXXX and XXXX ; the FIVE other cards could not have been closed. 

Attached : picture of all SIX welcome packets and cards as well as screen shots of the SIX welcome emails ( two days after told other FIVE cards were closed )
Consumer complaint received 2020-12-02
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. (NJ)

I reported identity theft due to a collection on my reports previously and it was removed from XXXX  and XXXX, Experian refuses to remove it from my report. I was somewhat relieved that I could move past this issue of identity theft. Another three collections appeared on my report, which has caused more turmoil and distress in my life. I would like these removed within 14 days of receipt.
Consumer complaint received 2023-02-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: SANTANDER HOLDINGS USA, INC. (FL)

On XXXX 2023 I went to Dealer XXXX XXXX XXXX at XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX, to obtain extension of my own credit on a XXXX  XXXX XXXX with Last XXXX vin # XXXX with MSRP of {$42000.00}. The dealer run my credit with XXXX credit Report , where company Santander Consumer Usa , INC. got a copy of my credit and I was denied for credit. No one from dealership give a paper or answer why I got denied, at this moment of my complaint, on XXXX XXXX 2023, neither someone from dealer or Santander Consumer Usa , INC had contact me. I had attached evidence that my credit was pulled by Santander Consumer Usa , INC. XXXX credit report.
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: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX/XXXX XXXX {$520.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX {$420.00} XXXXXXXX XXXX XXXX {$630.00} XXXX XXXX   XXXX {$880.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX {$17000.00} XXXX/XXXX  XXXX {$650.00} XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX {$140.00} XXXX XXXX {$1200.00} XXXX XXXX XXXX {$490.00} XXXX/XXXX   XXXX {$21000.00} XXXX XXXX XXXX XXXX XXXX {$2500.00} USDOE/XXXX XXXX {$7900.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$620.00}
Consumer complaint received 2020-12-02
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. (NC)

On XX/XX/2020, I sent a letter to Experian about inaccurate and unverifiable items on my credit report. It has been over 2 months and I have not received a response from anyone. I feel like my dispute letters are being ignored. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a funding to start my own business but my credit is making the process a lot harder.
Consumer complaint received 2020-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

On XX/XX/2020 I had money deposited into my account from my gig jobs, the money was direct deposited into the account. On XX/XX/XXXX, I get a bank notification stating my account dropped below {$25.00}, I immediately login to check my account. Upon logging in, I noticed unauthorized charges on my account in the amount of {$200.00}. The person or persons cash app the money out of my account. They used my name and also there was a name of XXXX on theXX/XX/XXXX. I called Bank of America to let them know that these charges are unauthorized and was fraudulent. A temporary credit was given, pending the outcome of the investigation. On XX/XX/XXXX the bank did a credit reversal that cause my account to be overdrawn. I called the claims department with Bank of America, I was told they could not prove the it was fraud because my husband had received money into the account from cash app. I was told that its was nothing that could be done. I just lost {$200.00} of my money that was earned do to something that happened, ( which I don't know or understand how ). I never give my bank information or card information out. Bank of America even sent a new debit card out. We are in a pandemic I don't have {$200.00} to lose I have to feed and care for my family. Please help!! I cant get nowhere with Bank of America.
Consumer complaint received 2020-12-02
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7800.00}. 
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 ACCOUNT 1. XXXX XXXXXX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account.
Consumer complaint received 2017-12-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (NV)

Acc. XXXX , commonwealth financial. This is the second time a dept collector came after me for this. This is not me. They asked me for my SS number I said you tell me what you have on file. Last time it dropped my credit score by 17. I got it taking off . Now a few months later this different collector started calling. And my score drop 45, from excellent to good . this is unacceptably.
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (KY)

i have sent in more complaints then i can count the only way I have seen in the past that works is putting it all out on social media you say you can help and yet here I am again you are allowing them to put XXXX on a veteran credit report and you know it is not mine and now I have got XXXX I don't have the time anymore to play XXXX games I starting to thank you people get off on this XXXX
Consumer complaint received 2020-12-02
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 {$3300.00}, {$0.00}, {$13000.00}, {$5700.00}, {$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.XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

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

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

4. XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- OTHER ACCOUNT 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2017-12-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (FL)

A hold on membership with Navy Federal Credit after opening both a membership saving and checking account on XX/XX/2017. Until today, I was not aware that my identity theft crisis for the last three years involved my name and identity on reports from CFPB and XXXX XXXX XXXX
Consumer complaint received 2021-08-20
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. (FL)

Hard inquiries that is hurting my credit score. I didnt authorize these companies to run my credit on this date of XXXX XXXX. 

XXXX XXXXXXXX XXXX XXXX inquiry from XXXX XXXX inquiry from XXXX XXXX XXXX  XXXX  inquiry from XXXX XXXX XXXX XXXX inquiry from XXXX XXXX