davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Hello I am having a few issues with Equifax, XXXX, and XXXX. These 3 agencies have been reporting incorrect information on my credit report. I have submitted multiple request to have incorrect information removed from my credit report and the agencies have not responded nor have they corrected this incorrect information. The credit bureaus are being negligent to my requests. There are multiple errors including CO payment history being reported on a payment timeline. Incorrect high balances across all bureaus, incorrect dates of last activity. Per the FCRA each credit bureau must report identical information in which none of them are doing so. There is also a credit card being reported on my credit report and it is not mine Ive requested this credit card be removed from my report multiple times to no avail. Also the credit bureaus are reporting some of my accounts as charge off a charge off is considered income not debt under consumer law.
Consumer complaint received 2021-02-11
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: Experian Information Solutions Inc. (NJ)

your agency gives teh telephone number XXXX to call to get a free credit report. when i called tonight wednesday night about XXXX to XXXX XXXX  i got a robot that said i could get a free credit report if i replied to their questions. so i spelled out my name, address, telephone number, and all those questions. then we got to my birth date.i am a senior citizens. they said put it in 2 digits for month, 2 digits for day and 4 digits for year. i put all those in and it would not accept my birth year XXXX. this is discrimination against senior citizens. i am asking this federal agency to immediuately get after this company for discriminating against senior citizens. i would like all 3 report from all 3 companies but look at the XXXX they put you through. i lost getting this report tonight because they have not programmed their robot correctly. will you help me please. i am so distraught over this. i want my free credit reports from all 3 companies, but this one i started with is discriminating against me becasuse of my age.
Consumer complaint received 2021-02-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION (AL)

On XX/XX/XXXX I contact Region Bank about a fraudulent bank wire, between my account at Region Bank and XXXX XXXX for the purchase of XXXX truck in the amount of {$3900.00}. Region Bank replied they will ask XXXX XXXX to conduct reverse wire transfer and XXXX XXXX replied it will take 90 days to conduct a fraudulent investigation. On XX/XX/XXXX my bank Region called and notfied me that XXXX XXXX have completed their investigation and fought the transaction was fraudulent but could not return my money do to there were no funds in Global Auto Auction account. I ask Region Bank and XXXX XXXX can they help me out with this situation and they both refuse to
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

False bankruptcy information showing on my report. I have already disputed with the credit bureaus via certified mail and have gotten no response. I have contacted the County Clerk at the court and they have also stated that they do not furnish any information to the bureaus so the bankrupcty on my credit report is illegal and damaging to my credit score.
Consumer complaint received 2022-04-28
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)

I received a copy of my credit report and it is showing incorrect information. I opened up a new account with XXXX in XX/XX/2021 and the credit reporting agency is stating that the account is deliquent for months the account was not even opened. I have never been deliquent with this account. I want this corrected and my credit score recalculated. Also this is the second time the same credit reporting agencies have done this to my credit report and should be held accountable for this trending error which effects me as a consumer.
Consumer complaint received 2021-12-09
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (MA)

Good Morning, We filed a forbearance last XXXX when XXXX hit because I had lost my job then my husband and I needed the forbearance in XXXX and had partial claim from XXXX to XXXX which was paid. We signed documents with a notary and everything was approved. I was told loss mitigation would have my account updated no later then XX/XX/XXXX. Well thats not the case and I have called in over a 100 times and they are now telling me all different stories and that my partial claim was never approved due to my notary not having a seal, then it was because my husband scratched out the date, and so on. They are now saying that I will never have my account updated even if we resign the necessary documents until we pay another 10,000 because we now we arent in a partial claim because they dropped ball but are blaming us. 

We have been in the middle of refinance with XXXX since XXXX to have a conventional loan and can not move forward all because freedoms payoff quote they are sending is reflecting the payment for the next month is due XX/XX/2021. 

I really need some help with this case ASAP. I have filed numerous complaints with Freedom mortgage and the CEO and have heard nothing back. 

I have also been in contact with XXXX explaining the whole situation and also do not understand if the payoff is the exact amount and is correct even though the date doesnt reflect this month why they can not just move forward. 

Im hoping someone can please help us ASAP
Consumer complaint received 2018-03-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (VA)

On about XX/XX/2018, my account on Coinbase and XXXX was locked for no apparent reason - specifically, Coinbase prevented me to do any additional Buys - which automatically locked me out of logging into XXXX where all of my funds are currently stored. After numerous calls and emails, I have not heard back nor got any further explanation except that there must be an error and my case number : # XXXX or # XXXX was being escalated. As of XX/XX/2018 - I have not heard back from them on what progress is being made to release my account back to me so that I may get my funds back into my hands.
Consumer complaint received 2021-09-15
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. (FL)

This is the third attempt to receive a relevant response to my complaint On two previous CFPB complaints, we have submitted an Equifax letter that states seven ( 7 ) hard inquiries would be deleted. 

These inquiries appear on the report 7 months after receipt of attached letter Equifax refuses to address the complaint instead referring us to a dispute process that was already completed and ruled in our favor. 

See attached letter from Equifax showing that hard inquiries would be deleted. Those inquiries still appear on our bureau.
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 — Personal information incorrect
Company: Bread Financial Holdings, Inc. (TX)

XXXX XXXX  The profile has my entire info but it shows many small errors that Make it seems like it's me And its creating a big Problem that's affecting me.

There's Loans and Credit Cards Under my name I didn't Get, the address matches mine, even my last address but my date of birth is different for 1 year but in the SSN the last 4 matches my last 4 ITIN number.

A credit line I had just closed my account without giving me any explanations.
Consumer complaint received 2019-03-11
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: TOYOTA MOTOR CREDIT CORPORATION (NJ)

Once again, on XX/XX/19, XXXX  misreported my Toyot Motor Credit account aa a chragevoff/bad debt, despite their [ rior cknowedgeent tht theccount Was properly paid off through Toyotas own gap insurance. Idontundertnd this brazenly bad conduct, This improper information has badly affected my credit.
Consumer complaint received 2022-04-28
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. (MI)

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THE FOLLOWING INCORRECT INFORMATION COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX Balance Owed : {$440.00}
Consumer complaint received 2021-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2021, we see a transaction on our Bank of America online banking for {$2300.00} using our debit card details. The vendor is XXXX. 

We reported the issue to Bank of America on XX/XX/XXXX. However, on XX/XX/XXXX, the bank replied back saying they couldn't pay us because they don't see any fraud. 

We know for sure that we have never done a transaction with XXXX
Consumer complaint received 2021-06-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was using my XXXX  credit card for renting a car. I didnt have a working car I took XXXX from my home to the rental car company. The amount of the rental was XXXX and all the people in front of me their deposit was XXXX plus rental fees I only had XXXX available in my account at XXXX so I transferred XXXX dollars from my checking to my credit card to give me enough to cover the rental. I wanted to use my XXXX  Visa card because it covers my insurance on the rental. When I went to pay the counter person said I needed to cover XXXX with a XXXX dollar security deposit. I questioned why everyone else was only paying XXXX dollars. He told me because the car was being provided by the insurance company. Mine was XXXX. I was XXXX dollars short on the amount available on my credit card I tried to transfer another XXXX to the card from my XXXX  checking account. It would not accept a second traction from the same account the same day. I called the bank and spoke to a manager about helping me. They said they couldnt do anything I couldnt even pay cash at the bank to enlarge my usable money avail for the rental. It was only XXXX dollars. The bank representative said he could try to increase my credit line on the credit card I told him I only wanted enough to cover my rental he put it in for XXXX dollar increase. He came back and said they wont increase my credit line at this time. I used a different credit card and was able to get my rental. A few days later I got notified my credit score changed. I looked on my scores on transunion and XXXX my credit score had dropped 35 points for the hard pull on my XXXX credit card account. This is nut it took me a year to get my score over 620 and now when I needed a score over 620 to rent a apartment my score dropped 35 points.
Consumer complaint received 2021-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SD)

In XXXX of this year, I saw 3 different " marks '' on my credit report from PORTFOLIO RECOVERY SERVICES and I did not recognize the debt. 2 of the 3 not only were not recognized, they were fraudulently put in a status of " Dispute resolved ; customer disagrees. I sent them notarized letters via certified mail ( attached ) in late XXXX requesting VALIDATION of the debt pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } asking for PROOF on what the money is for, proof of signature ( and showing I agreed to pay - the contract itself ), proof they are liensed to collect, license numbers and registered agent, and other proofs. I recently went through a divorce in 2019 so I had reasons to believe it was not mine, but my ex-husbands. Not only did I not receive any contractual proof or signature, I received the WORST, more POOR communication back, saying that because they bought the debt as a 3rd party creditor that it is " VALID '', which is not only not what i asked for, but proof they are giving me the runaround. At this point we are planning a lawsuit - I am asking the credit bureaus, due to the lack of proof to remove this immediately from my credit report completely and to ensure it never shows up again. This debt is not only not mine, but no validation can occur on a debt that is not mine. This company is violating law and should be looked into for unfair and fraudulent business practices. 

The accounts are as follows : NAME : XXXX XXXX XXXX PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ACCOUNTS : ( CREDIT REPORT ATTACHED ) ACCOUNT NUMBER # XXXX ACCOUNT NUMBER # XXXX ACCOUNT NUMBER # XXXX POOR RESPONSE BACK ( SHOWING NO CONTRACTUAL PROOF ) ATTACHED TO COMPLAINT. cerified mail copies that were sent to them are also attached! Credit report attached.
Consumer complaint received 2019-03-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I sent a dispute request to the company XXXX XXXX. They are reporting as a charged off debt. However, the company responded to my request to verify the ownership of this account by sending me a print out of how they are reporting the account to XXXX. The account is also reporting on my Transunion and XXXX  reports. This is not permissable under the FCRA as an accurate way to verify an account to a consumer. They must provide a signature or contract of service with this company and they have failed to do both on numerous occasions of requests to credit bureaus not properly verifying information as well. Please delete this account from all three credit bureaus for inaccuracy and estoppel of silence by not rendering contract of services.
Consumer complaint received 2019-03-11
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

I was approved on XX/XX/18 with my mortgage lender, XXXX XXXX, for an Affordable loan modification to lower my mortgage payment from {$1200.00} to {$1100.00}. I was told that I would have to make 3 trial payments and my payments would become permanent at or around the same amount of the trial payments. I was notified in XXXX that Mr. Cooper/Nationstar would be servicing my loan starting in XXXX, after my final trial payment was made. I was told that they would honor the terms of my modification. I successfully completed my trial payments and anticipated receiving my final approval from Mr. Cooper but what I received was an approval for a modification that would actually raise my mortgage payment to {$1300.00}! This amount was not at or around the amount of my trial payment, nor was it affordable which is what I was approve for by XXXX XXXX. I have spoken to several people with Mr. Cooper who refuse to honor the terms of the modification that I agreed to when I was only 2 months behind and could have reasonably caught up on, now I am in default and in danger of foreclosure unless I accept these unfair terms.
Consumer complaint received 2022-11-07
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00} ; DEPT OF EDUCATIONXXXX XXXX XXXX opened XX/XX/XXXX Balance {$8300.00} ; DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$13000.00} ; DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$8100.00}.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2023-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

On XX/XX/XXXX I received a text from a person I thought was My friend XXXX, I told him that he needed {$400.00} XXXX send him via XXXX the amount XXXX had changed his phone number the reason was that some company had the same number attached it an official document with that old phone number BUT... 

but I still kept THAT old number list on my phone. 
What I didn't realize that that the text I received came from his old discarded # and that I had sent the money to that # I contacted my friend at a new number, and he claimed he never asked for anything. 
This was XXXX hours after the transaction and the money wasn't taken out of my account by then ... I called XXXX right away and they told me that there was nothing they could do, that the transaction had been done and that I should call my bank... and I did. 

the bank told me that there was nothing for them to do because the transaction didn't happen yet the money wasn't taken out of my account. 

the next day XX/XX/XXXX I contacted my XXXX they claimed that they will start an investigation and I have the investigation number, ATTACHED is an email from XXXX with that number. 
I also when to my local bank branch and spoke with a fraud person there, and they started an investigation too.
Consumer complaint received 2022-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TOWNEBANK (VA)

My bank accounts were hacked by a scammer for XXXX dollars on XX/XX/2021. The scammer instructed me to purchase gift cards and give him the information on the back in orde to have my accounts refunded. He also wrote 3 checks for XXXX dollars to people I didn't know. He got into my phone to set up an online banking account and moved money from my savings account and transferred it into my checking account to have the money available for me to use my debit card to purchase the gift cards.
Consumer complaint received 2019-03-10
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. (AZ)

I have student loan accounts on my credit reporting that I did not authorize. I have never applied for student loans due to the fact that I never attended college. This information is incorrect and does not belong to me. I have reason to believe that my personal information may have been compromised.