davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-02
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. (KS)

On XX/XX/2020, Transunion reported to XXXX XXXX XXXX that my credit score was XXXX. At that time, XXXX  XXXX XXXX was considering closing two of my credit card accounts. 

Ultimately, they did decide to close those accounts, and their letter states that they used that Transunion score " in taking the above action. '' However, by all accounts, including their representatives on the phone, my credit score has never been that low, especially on or around that date. 

In fact, from XX/XX/XXXX XXXX, it was at XXXX.
Consumer complaint received 2021-11-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. ()

Hello there, My problem is with the Coinbase.com site, that have blocked my account and don't allow me to manage my crypto currencies. I have all my documents and information verified and the amount of money that I have actually is around XXXX , so nothing " suspicious ''. 

I tried to contact with them via XXXX, XXXX and they support platform, but I only receive automatic messages.
Consumer complaint received 2021-08-20
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: LOBEL FINANCIAL CORPORATION (FL)

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX ( XX/XX/XXXX ) SS ( XXXX ) I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. # XXXX account is reporting 90 DAYS LATE on XX/XX/XXXX, XXXX, XX/XX/XXXX since I requested assistance due to the pandemic. I am shocked that this has happened when I had already been in contact with my company. I was told that my account would be fine and no late payments would be removed due to the Pandemic ( COVID-19 ). My previous payment history and current since has been stellar. I have inaccurate reporting the month of XX/XX/XXXX as well.
Consumer complaint received 2020-06-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (CA)

I have no idea what this debt is about. The spelling of my last name is incorrect and the address listed is not mine. I have never lived at this address and my name should not be associated with it. I can provide proof of name and residency if needed. 
I am disputing this debt and have tried to do so, but the company is unwilling to do anything other than collect money. 
I looked up XXXX XXXX, which seems to be part of XXXX. I have a XXXX  account, at my address that is in current status and the correct spelling of my name.
Consumer complaint received 2020-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (NJ)

I am a PNC Bank user with a student account. I use applications such as XXXX to track my finances and bills, XXXX  to invest some spare change, and XXXX for the weeks where I'm really stretching my paycheck. 

PNC has made a change that prevents me from linking my accounts. I believe this happened around XX/XX/XXXX when I was booted off of my apps. It is very frustrating because many working class citizens rely on these applications to make money just a little easier. It feels very disappointing that I haven't even got the freedom to deal with my money and finances the way I feel comfortable.
Consumer complaint received 2021-04-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXX ( XXXX ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2020-12-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I have a Mortgage Loan with SPS. I have been very very regular for many years. But the COVID Pandemic really played havoc with my XXXX XXXX, finances and rental income. 

I XXXX a XXXX in downtown XXXX XXXX XXXX, which is very badly affected by COVID. I spent about $ XXXX to fully renovate my XXXX from XX/XX/XXXX till XX/XX/XXXX. And the XXXX was closed during this time. From XXXX this year, I had to gain close down XXXX XXXX because of the rampant COVID in XXXX XXXX XXXX So there is ZERO XXXX  income, throughout this year. 

On top of it, my XXXX are not paying XXXX for the last 7 months. And because of the moratorium on evictions, my Attorney tells me that the eviction case will have to wait till XX/XX/XXXX, to be taken up by the Courts. 

So I am squeezed from all sides and it is becoming very very difficult to make both ends meet. 

But yet, with all these hardships, I have been paying my Mortgage regularly until 2 months back. As I exhausted all my savings I was forced to stop paying the Mortgage since 2 months. In fact, many of my friends already got Forbearance for 12 months. 

So I called SPS and requested their help. But they said I am not eligible as it is a private Loan. They sent me lengthy paper work asking me to fill up all that to see if I can qualify for any Loan assistance. 

I understand that under CARES Act., hapless borrowers like me are eligible to get Forbearance by just answering a couple of questions about the COVID Hardsip.
Consumer complaint received 2022-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NC)

For One The Address Is Wrong My Address Is XXXX XXXX XXXX XXXX The Address They Got Reporting Is XXXX XXXX XXXX South Carolina. Thats Not My Address, The Birthday Reporting Is XX/XX/98, My Birthday Is XX/XX/98. I Do Not Own This Debt. I Would Like It Removed From My Credit Report
Consumer complaint received 2021-04-11
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: EQUIFAX, INC. (FL)

When XXXX  had the hack I placed a XXXX lock on all the major credit reporting agencies XXXX XXXX, XXXX, XXXX XXXX XXXX. After the 90 days were up I tried to have a limit on one of my credit cards and found the account still locked. I have recently tried to provide for time payments on a product and the company who was providing the financing told me the account was locked. 
I am thoroughly disgusted with these " credit reporting agencies '' as they continue to keep access to my credit reports so I can obtain credit for future purchases or increases on existing credit. The lock I place should have expired over a year ago but still remains in place. 
These companies need to be investigated and fined for keeping my access to lenders blocked.
Consumer complaint received 2020-12-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

There accounts reporting in my credit report From : XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 
They are all ready paid and is affecting my Credit Records.
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: Experian Information Solutions Inc. (FL)

My name is still not correct! With all 3 credit bureaus! Yes XXXX  and Experian added my name in full but did not add XXXX As a suffix. My first name is XXXX Middle is XXXX Last or sir name is XXXX my suffix is XXXX or XXXX. Therefore my name should read. XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX. Also during this major identity theft. You blocked some information wrongly. XXXX XXXX line of credit is only showing up on XXXX XXXX not on XXXX or Experian. XXXX store credit card is only showing up on Experian. Not on XXXX or XXXX XXXX. Also your companies blocked my auto loan from XXXX XXXX XXXX. XXXX XXXX was reporting this but it went off during the identity theft investigation. This auto loan was not an issue this was correct. The credit card with the same company XXXX XXXX XXXX was. Experian take off discover card inquiries for the last time still on here.
Consumer complaint received 2019-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

Lakeview Loan Servicing LLC ( aka XXXX ) FORCE-PLACED flood insurance on my home on XX/XX/XXXX, backdated the policy period to XX/XX/XXXX to XX/XX/XXXX ( which is probably illegal ) and charged {$2900.00} when market rates for a flood insurance policy range {$500.00} to {$600.00} per year on such a home. There were no floods during this time and unfortunately we were incorrectly advised by our broker the home was not in a FEMA flood zone and did not require flood insurance. We did not receive notice from the lender of the flood insurance lapse until XX/XX/XXXX. We then independently contacted FEMA to verify that the home was in an AE flood zone. We then immediately secured a flood insurance policy on XX/XX/XXXX, but were unable to secure the policy for the lapse period. On XX/XX/XXXX, Lakeview somehow force-placed flood insurance retroactively for the lapse period XX/XX/XXXX to XX/XX/XXXX with XXXX XXXX XXXX XXXX at almost 5 times the market rate for a flood insurance policy. Lakeview charged me XXXX XXXXas an escrow mortgage shortage, basically wiping out hard earned equivalent equity in my home. I now have to make up this charge by paying increased mortgage and interest payments. It appears, Lakeview was subject to class action suits for this same practice in the past and yet they continue to do it. I wouldn't be surprised if Lakeview and their broker pocket hefty fees to force place such overpriced insurance and assume they can just continue to get away with this. This is blatant taking advantage of the consumer by Lakeview and it's insurance broker. If it happened to me, I am sure it is happening to others.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

Recently, I've grown an interest in monitoring my credit. I am XXXX years old and I and my family are ready to purchase a home. As I've gone through the accounts, inquires, and collections displayed on my credit I've noticed unusual activity and an ample amount of accounts that do not belong to me. Please remove as soon as possible. Attached will be my FTC report. 

Please remove these fraudulent inquiries listed below : Inquirer Name XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Recently, I've grown an interest in monitoring my credit. I am XXXX years old and I and my family are ready to purchase a home. As I've gone through the accounts, inquires, and collections displayed on my credit I've noticed unusual activity and an ample amount of accounts that do not belong to me. Please remove as soon as possible. Attached will be my FTC report. 

Please remove these fraudulent inquiries listed below : Inquirer Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-15
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. (GA)

I previously filed a complaint against Equifax in regards to student loans that I have being serviced by XXXX XXXX XXXX. The issue was addressed and the accounts were corrected accordingly. 2 of the loan sequences, which are private loans under the name XXXX XXXX, were corrected and now they are reporting inaccurate information again in regards to late payments. I 'm very upset about these changes and this is seriously affecting my credit score. I have included screenshots of the corrected reporting that was displayed on XX/XX/XXXX and the incorrect reporting that is now displayed on my Equifax consumer report last reported on XX/XX/XXXX. My student loan accounts with XXXX XXXX should be reporting 0 late payments as of today XX/XX/XXXX.
Consumer complaint received 2019-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions. (NY)

After multiple request of complete validation sent by certified mail to multiple companys that claim i own this bogus debt no proof ever has bin provided of any kind after 15 years.Thers nothing out there and i want them to stop harrasing me or a lawsuit will follow.I will fight this till the end of my days.Again thers nothing out there. 
A complaint was filled before with a previous company called XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX. 
CFPB # XXXX on date XX/XX/17 Than it was sold to XXXX XXXX , LP file # XXXX again no proof of any kind. 
Again sold to another BOGUS company FBCS , INC XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX trying to collect on this bogus debt and i file a complaint to this company .I want all this nonsence to complete stop. 
They all trying to collect in behave of XXXX XXXX XXXX. with no proof ever provided requisted by me by certified mail ( have the proof ) isnt that illegal? 
Orignal Creditor XXXX XXXX XXXX XXXX XXXX file # XXXX Amount they claim i owe {$1700.00} My name XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX tel # XXXX XXXX XXXX
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is an attempt to correct my XXXX, EXPERIAN, and XXXX  credit report ( s ). I have identified a fraudulent account and the report violates my consumer protection rights. Please block the account listed below : XXXX XXXX : XXXX - {$10000.00} I request to have this account removed permanently from credit report ( s ). Please block this account. This account is fraudulent and unverifiable.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is an attempt to correct my XXXX, XXXX, and TRANSUNION credit report ( s ). I have identified a fraudulent account and the report violates my consumer protection rights. Please block the account listed below : XXXX XXXX : XXXX - {$10000.00} I request to have this account removed permanently from credit report ( s ). Please block this account. This account is fraudulent and unverifiable.
Consumer complaint received 2021-04-11
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. (FL)

When XXXX  had the hack I placed a XXXX lock on all the major credit reporting agencies XXXX XXXX, XXXX, Trans Union XXXX. After the 90 days were up I tried to have a limit on one of my credit cards and found the account still locked. I have recently tried to provide for time payments on a product and the company who was providing the financing told me the account was locked. 
I am thoroughly disgusted with these " credit reporting agencies '' as they continue to keep access to my credit reports so I can obtain credit for future purchases or increases on existing credit. The lock I place should have expired over a year ago but still remains in place. 
These companies need to be investigated and fined for keeping my access to lenders blocked.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to XXXX, XXXX  and Equifax. The complaint numbers were XXXX ( Equifax ), XXXX ( XXXX  ) and XXXX ( XXXX  ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of XXXX, XXXX  and Equifax, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by ANY of the bureaus to resolve anything ; in fact some have stated my complaints were duplicated ( when in fact 1 was for my husband ) or that they would investigate and send me the results but I have YET to receive anything! I have also ready that there was data released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, XXXX  and Equifax must be held accountable and to the standards clearly outlined in the FCRA.
Consumer complaint received 2018-07-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (MI)

AFNI, INC. reported a debt that was not mine to XXXX despite the fact they could not provide enough detail to prove any debt was owed. I called AFNI on the day I received their notice, and immediately sent a written request for more information, upon their suggestion to do so. 

Regardless of the fact that the this issue is still being investigated, and not my debt, they have reported it to the credit bureaus. 

This is a harassment tactic.
Consumer complaint received 2021-04-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

On XX/XX/2021 I contacted our mortgage servicer to request a loan modification as we are ending our forbearance after XXXX XXXX. I am still working with reduced hours. They are telling me that I can not be considered for a loan modification until we first choose the HUD partial claim. Then once we agree to the partial claim, we can then decide if we want to apply for the loan modification.
Consumer complaint received 2020-12-02
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC. (MA)

I recently closed on a VA Home Loan. I spoke to the Home Loan Guarantee Team today about the home being sold under false pretenses. The sellers defrauded the buyer ( me ) by stating there were no leaks and other blatant lies. One of the main concerns I have a sensitivity to water-borne pathogens and mold that has put me in the hospital numerous times. It was a key issue I told the appraisers, the lender, the seller, the seller and buyer agent, the closing attorney, and the inspector, and they all guaranteed the home never had a moisture issue. Meanwhile, what I thought was paint all over the walls was actually mold. And the roof was installed improperly and there was a hole in the roof letting water in the entire 9 years the house was in existence. You can see outside from the attic. The entire duct system wasn't working and it was extolled to be an amazing XXXX system. There were dead animals in it and it was an improperly installed system. I'm in about XXXX in repairs and I don't think I'll be able to live there. This is a serious matter and the lender/bank won't return any call. 

The repair addendum was never honored but my agent and lawyer bullied me into signing the closing documents. My closing attorney promised he wouldn't file those documents until I gave authorization he just wanted to get them done and ready. And he filed them anyway. He also said he would have the buyer put money in escrow to deal with a potential problem from the lack of completion of the repair addendum. But never did. And he won't respond to any calls or emails as well. 

I'm currently sleeping in my car and winter is coming. Thanks for any help you can provide. I have the cash flow and debt ratio to buy a new home but I have a bankruptcy and have used up Veterans eligibility so I need this home declared properly to reset that eligibility.
Consumer complaint received 2023-01-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

The company forfeited this account after I bought this credit line with a bank account it costed {$750.00} to open this line of credit after I bought the line of credit for XXXX was never subtracted from the full bal
Consumer complaint received 2022-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with Fair Credit Reporting Act XXXX  Account # XXXX XXXX  XXXX Account # XXXX XXXX  Account # XXXX. USDOE/XXXX  Account # XXXX. XXXX Account # XXXX. XXXX XXXX Account # 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 Section604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.