davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX BANK XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, US DEP ED Company Inquiries : 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
Consumer complaint received 2020-11-03
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

The unverified items remain on my credit report in violation of Federal Law. I am prepared to take legal action. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct, NOT JUST BY A COLLECTION AGENCY OR COMPANIES STANDARD, YOU MUST PROPERLY VALIDATE THESE THINGS AS THE FURNISHER OF MY CREDIT REPORT. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2020-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

There is an inaccurate entry on my mortgage statement. I have tried to call but they won't answer any questions about it. They put me on hold, or disconnect the line. Now they simply don't call back. I can not speak to anyone. There is no communication, no follow-up, no accountability. I need to be able to ask a question about my mortgage and they won ; t speak to me.
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

i have been making regular payments since XXXX and even automated payments through their system and they are still reporting my payments late when they are not. I am part of a debt management plan. I requested XXXX XXXX to process my payments promptly or change my due date and they refuse to update it.
Consumer complaint received 2021-07-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NC)

I C Systems ( Debt Collector XXXX filed a XXXX $ bill from XXXX XXXX XXXX XXXX posted XX/XX/XXXX, for services rendered XX/XX/XXXX. Contacted the original creditors to find out that the debt had been paid by XXXX on XX/XX/XXXX, XXXX this Debt has been contested with them several times and they continue to report the debt. 

After several attempts to have them fix this issue, they still claim that it's a valid debt and meets FCRA requirements.
Consumer complaint received 2021-03-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (TN)

So, I opened an XXXX Credit card through Comenity Bank. They make it to where you can't pay in person, only via their website or phone. There have been multiple occasions where I made the payment on time, but there was an issue with their servers or for some reason it wasn't processed. I don't have good cell service where I live, so I could only pay it via online. They charge all these " late fees '' because there were " technical issues '' on their side. My limit was {$200.00} and despite everything I paid including all the late fees, I owe {$600.00}. This was also settled but then the bank opened it back up and sold the collection. XXXX will not send me the entire transaction history for this account. They send me a couple random dates? This has ruined my credit and made my life as a single mom very hard.
Consumer complaint received 2022-09-14
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: EQUIFAX, INC. (AL)

This is not a DUPLICATE complaint and this not being filed by a Credit Repair company or a 3rd Party. 

In Accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights according to 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 1. Account Name : XXXX Account # XXXX 2. Account Name : XXXX Account # XXXX 3. Account Name : XXXX Account # XXXX 4. Account Name : XXXX XXXXXXXX Account # XXXX 5. Account Name : XXXX XXXX Account # XXXX 6. Account Name : XXXX XXXX Account # XXXX
Consumer complaint received 2020-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Atlanticus Services Corporation (NY)

I received a mailed pre-approved for an Aspire credit card with a {$1000.00} credit limit subject to verification of eligibility .The pre-approved card offer reportedly provides cards immediately after the consumer calls ( XXXX ) or accepts the offer online with the acceptance code that has been provided in the mailed offer. However, when I called to accept the offer along with acceptance code I was declined for no apparent reason. I was not approved immediately despite my eligibility.I was informed that I would receive a letter or email informing of the results of my application ( which was done con- ducting a hard credit check ) .I thought this was somewhat strange. I called back the next day and was advised by a customer service rep. that my application was declined, Further investigation of Aspire revealed numerous negative reviews fro other comsumers.Most that seem highly questionable and reported as a scam For your investigation of the matter, Aspire can be contacted by calling XXXX XXXX. This number is to their customer service department .This card company should be closed. 

Thank You. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-24
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. (CA)

I WILL SUE ... 

I have file a dispute and TWO Complaints against experian. I'm sick of the XXXX excuses i'm getting from them.. I should not have to keep redoing this all because they cant get off theirs XXXX and do their job. THIS WILL BE THE FINAL TIME I DO THIS. I WILL TAKE YOU TO SMALL CLAIMS COURT SO YOU CAN NOT HIRE A LAWYER. I have enclose both complaints and the dispute letter. 
In both responses i received from experian was the exact same wording so i know they are not looking at my complaints. 

AGAIN I WILL SUE IF THIS IS NOT TAKING CARE OF ASAP ... ..
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (IN)

We have been trying to refinance our mortgage since XX/XX/2020, unfortunately we could not close until XX/XX/2020. The title company sent a wire transfer on XX/XX/2020, but did not get the dead line in time. I called Freedom Mortgage Customer Care on XX/XX/2020 spoke with XXXX, she assured me that if the wire transfer was dated XX/XX/2020, that they would not report us to the credit bureaus, ad they dont post payments on the weekends. I called numerous times since XX/XX/2020 and they spoke to different people, all told me the same thing, " it will be taken care of ''. I even sent 3 disputes to customer care and without a good outcome, then I noticed they state I was 30 days late in XXXX, that is fraud, The loan was in fact paid off on XXXX, 2020. They are refusing to work with me on this. Even showing a letter from the title company showing this is not our error, XXXX got very smart with me, and told me sorry there is nothing she could do for me.
Consumer complaint received 2022-04-04
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. (TX)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX  my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.
Consumer complaint received 2021-03-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

I had about {$1200.00} in a coinbase account. {$1100.00} invested and about {$150.00} in profit as of this morning. I checked the account this afternoon to see my portfolio at XXXX  and no records of any transactions in regards to the missing money. They don't have anyone that you can speak to. i did file a complaint and locked my account. then to unlock my account it was a long process and will take up to 72 hours. there is no response in regards to my missing money and i want an answer now. this is wrong and that is a lot of money to me.
Consumer complaint received 2018-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TX)

AFNI IS TRYING TO COLLECT A DEBT THAT ISNT MINE FOR XXXX DOLLARS ON BEHAVE OF XXXX XXXX XXXX. I HAVE NEVER HAD ACCOUNT WITH XXXX XXXX.
Consumer complaint received 2021-03-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NV)

Hello, back in XX/XX/2020 and then XX/XX/2020 I requested a validation of debt for the accounts ending in XXXX and XXXX for XXXX and XXXX. I still have not received a response. Because you have failed to validate this debt, please remove it from the credit reporting agencies as it has been several months. Please see the attached email from XX/XX/2020.
Consumer complaint received 2021-04-30
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. (FL)

A company named XXXX reported that I applied for and was approved for credit with them. This information showed up on my credit report. I did not apply for this credit. I contacted Experian credit agency. They investigated and replied that XXXX maintains my request for credit with them therefore it has not been removed from my report. I did not apply for this account.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (FL)

This account has a 1st delinquency date of XX/XX/XXXX. XXXX has already completed an investigation in XXXX stating this item would be removed in XX/XX/XXXX - 7 years past date of first delinquency. Navient continues to provide inaccurate information to keep this charge-off on my credit report. This removal that was scheduled for XX/XX/XXXX was now moved to XX/XX/XXXX based on new information Navient provided. This account should be removed according to FCRA regulations. I am requesting the account be removed.
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (FL)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding Citibank 's recent closure of my credit account without notice. I discovered this when I received an alert from XXXX that my account had been closed. 

I have been a Citibank customer for several years and have always paid my bills on time. I have never been notified of any issues with my account or any reason why my account would be closed. I am extremely disappointed that Citibank would take such action without notifying me in advance. 

I have attempted to contact Citibank customer service to inquire about the reason for the account closure, but have not received any clear explanation or resolution. This has caused me significant inconvenience and potential harm to my credit score.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and work with Citibank to resolve this issue as soon as possible. I believe that Citibank 's actions are unfair and unjustified, and I deserve to be provided with a clear explanation and a fair resolution. 

Thank you for your assistance in this matter. 

Sincerely, XXXX
Consumer complaint received 2024-02-21
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. (CT)

I want to emphasize that I have no connection with these creditors, and I did not initiate this inquiry on my credit report. I urgently urge you to promptly remove it without any further delay. I also request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report.
Consumer complaint received 2022-09-14
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: EQUIFAX, INC. (OH)

I am natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Transunion on XX/XX/19 you sent me a letter in mail stating that XXXX account XXXX was deleted from my credit file after reviewing my credit report online the account is still reporting this is a violation of the FCRA YOU DIDN'T SEND ME ANY UPDATES WITH IN 5 DAYS LETTING ME KNOW IF THE ACCOUNT WAS READDED PLEASE DELETE THIS ACCOUNT ASAP
Consumer complaint received 2024-02-21
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. (PA)

It appears that I have received a credit report recently and to my dismay, I discovered that I have become a victim of identity theft. This unfortunate incident has had a significant impact on my family 's ability to purchase a home. Please remove the fraudulent accounts from my credit report immediately.
Consumer complaint received 2021-04-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Goal Structured Solutions, LLC (PA)

I have just received my updated credit report and Launch Servicing LLC continues to the report to the 3 bureaus the debt that they claim to be mines, without any written letter or verification with my signature approving that this is my debt. I have written numerous letters asking them to verify this debt including any documents with my signature on it and they have not proven it. I have not received any response back in last 3 months concerning this matter and because this debt is not proven/mine I TOLD THEM TO REMOVE IT IMMEDIATELY OFF ALL 3 BUREAUS XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX submitted the results of investigation # XXXX and continues to double report XXXX XXXX Account # XXXX. There is only one XXXX XXXX Account for an auto loan. Further, the last payment was made on/before XX/XX/XXXX but XXXX reports the last payment as XX/XX/XXXX. Additionally, XXXX continues to confirm the same report on the XXXX XXXX XXXX XXXX Account in dispute. XXXX reports a charge of of {$22000.00} and I have repeatedly disputed this amount. XXXX appears to be overstating the amount charged off on/around XX/XX/XXXX significantly. Further, on information and/or belief, XXXX sold this debt to a factoring/collections agency and is no longer the rightful owner of the debt but XXXX has continued to report a monthly past due amount which is patently false. XXXX no longer has standing but continues to report erroneously and XXXX  perpetuates the misreporting by verifying my name and social security number but NOT the facts of the complaint.
Consumer complaint received 2017-08-02
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

My purse was stolen on XXXX XXXX, 2017, and someone on XXXX XXXX, 2017 went to a WELLS FARGO Bank branch with a Withdrawal form filled with my information and even with my signature falsified and the teller authorized the withdrawal from my saving account in the amount of {$800.00}, I have a copy of that transaction in my hand with all that information.
Consumer complaint received 2018-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (NJ)

On XX/XX/XXXX I filed a dispute for two transactions I'd previously authorized to be taken. The funds authorized were to pay for my minor son 's registration fee to play in an out of state Football game. He was to travel from NJ to FL for 5 days to practice with his team, have a game and travel back home. 
I only spoke with his coach ( who coached him XX/XX/XXXX ) regarding this event, the fees, the entire set up. I emailed with two other people associated with XXXX XXXX  regarding jersey numbers only. 
The day they were supposed to leave ( XX/XX/XXXX ) the coach advised he was not able to provide the transportation that we'd agreed upon and that my minor child would need to travel the 20 hours with unknown adults in order to attend the event. 
I declined and requested a refund of the registration fees, to which he verbally agreed shouldn't be a problem. I immediately requested a refund of the funds as I had not been advised otherwise and felt this was a breach in contract because transportation was no longer being provided. 
PNC bank did some type of research and declined my dispute and drafted {$150.00} out of my account today leaving it negative. 
I was never told that I could not have my money back, I was advised verbally that I would be fine to request a refund. The contract I entered online to make the payment was for a flag football team I have no knowledge of so even that contract was null and void as the event was not flag but instead full contact football. My son was one of two children left behind and I have text messages providing proof XXXX XXXX acting as an agent for XXXX XXXX  in my eyes.