davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX and XX/XX/XXXX I had Request and Send TwiceTo EXPERIAN and XXXX Credit report To Update My Personal Information, Because the Information and Address they have are incorrect. I have only one Address, one Name, one SS #, one Phone #, one Employer But Experian Refused To update My INFO, They have Address in my File that I never Live in and Never Knew About. I Have Sent All MY Documents To Them, all I need for them To Remove Those Addresses include po box and They refused To Because Post Office will never deliver To Inaccurate Address. 

I Had Sent Them Everything CERTIFIED MAIL
Consumer complaint received 2018-10-03
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 — Investigation took more than 30 days
Company: Atlas Credit Company, Inc. (CO)

I sent my dispute letters to this company and havent received any feedback. I sent letters on XXXX XXXX, XXXX XXXX, XX/XX/2018 and XX/XX/2018 XX/XX/2018
Consumer complaint received 2021-07-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY (SC)

I received a letter regarding the poa request for Mrs. XXXX. The letter notes XXXX. The poa request related to a like of credit and NOT XXXX. I am concerned about this and why the company is so incompetent with handling matters. 

Thanks, Cc : consumer financial protection
Consumer complaint received 2018-03-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Coinbase, Inc. (VA)

Company : XXXX  [ Coinbase ] I have been an customer for XXXX XXXX XXXX XXXX for a while and since first week of XX/XX/XXXX my account is disabled and unable to access. My account has around 25,000 USD hard earned funds. I have made more than 20 customer service calls and opened a customer support Case # XXXX on XX/XX/XXXX. It's been one month now and no resolution and giving me mental torture with standard template message saying " '' Thank you for reaching out Coinbase Support! I apologize if this has been taken so much of your time. We have been receiving a high volume of escalation recently and we are trying are best to respond as fast as we can. '' '' Please help and one month is lot of time for any financial company to resolve customer high priority issue.
Consumer complaint received 2023-06-12
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. (LA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WA)

On XX/XX/XXXX I first tried to close my PayPal account. Merchant ID XXXX. received an error message that a transaction was in process. I tried again three days later - same error message. A customer service agent told me it would take three days for the transaction to clear. So I tried again on XX/XX/XXXX and got the same error message. this time I could not reach an agent. Instead I got an endless email voicemail- for 2 1/2 hours. I just ask that PayPal close my account.
Consumer complaint received 2023-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CT)

I bank with Wells Fargo Bank, and they have implemented a new system where I get my paycheck two days earlier. I had my check deposited on Wednesday of this week then I look at my account today and the deposit is missing and my account is in the negative. They couldnt help me or give me a time frame on when this will be resolved.
Consumer complaint received 2021-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Chime Financial Inc (PA)

I received in the mail two separate credit cards on XX/XX/21 in my name that I had not applied for or requested in any way. The first one was a XXXX banking card and the second was a Chime banking card. I was able to contact the XXXX customer service and have that account shut down. There had not been any purchases made from it. I was unable to get in touch with Chime 's customer service and i am currently waiting to hear back from them.
Consumer complaint received 2023-04-07
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rocket Mortgage, LLC (MA)

This is a follow-up to Complaint # XXXX which was closed by way of the CFPB " parroting '' the Data Furnishers ' assertion that they are right and I am wrong. 

This document was sent this morning by certified mail to Rocket Mortgage. 

Rocket Mortgage violated the CARES Act and subsequently and separately, the Fair Credit Reporting Act.
Consumer complaint received 2021-06-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (PA)

On XXXX, I started receiving collection letter from Radius Global Solution LLC under behalf of XXXX XXXX I called that company to find what was about, they explained me that I have a unpaid credit line for almost {$10000.00}, which I explained them that I have never requested or opened a credit line with them. So I called XXXX XXXX and they told me same information and that the account was opened in XXXX. Immediately I made a request report. Days past and no word from them. I went to XXXX XXXX and I saw my score was extremely bad, then I called them again filing a new complaint, but basically they told me they would investigate and the results came back and made me responsible of that debt. today XX/XX/XXXX after several complaint, XXXX XXXX wants to make me pay a debt is not mine, including receiving calls from them telling if I don't pay they will take legal actions against me. This situation is affecting my life because I unable to do any king of business or preform work base on my career.
Consumer complaint received 2021-10-21
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)

Experian has unblocked fraudulent items on my credit report due to discriminating me. The company told me to go to the police department to validate the police report that I provided them from the XXXX Police Department. The police report is accurate and valid. I am a victim of ID theft. This company have been giving me a hard time ongoing for 2 years. I have followed their instructions and they then come back to say the creditor validated the debt as my debt and they must put it back on my credit report no matter what the police is saying it is my debt. The name of the account is XXXX XXXX XXXX. I am attaching my police report as well to the document.
Consumer complaint received 2023-01-09
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. (CA)

Again, It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 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 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am writing to formally file a complaint against TransUnion concerning their failure to address the inaccuracies on my credit report, despite my efforts to rectify the situation. 

On XX/XX/XXXX, I mailed a dispute letter to TransUnion requesting an investigation into inaccurate items on my credit report. These inaccuracies have adversely affected my financial standing and credibility. 

Despite my compliance with the Fair Credit Reporting Act ( FCRA ) guidelines and providing all necessary information, TransUnion has failed to acknowledge or act upon my dispute within the legally mandated timeframe. 

I have taken significant care to ensure the accuracy of my credit report and to protect my financial reputation. However, TransUnion 's failure to respond appropriately has caused unwarranted stress and financial implications for me. 

I made sure to include a copy of my photo ID, social security card, and recent bill with my current address to help TransUnion verify my identity and address. 

I received a response back from TransUnion dated XX/XX/XXXX stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. 

I am including a copy of my dispute letter sent to TransUnion, along with XXXX response as proof. I am now demanding TransUnion immediately and permanently remove the disputed items from my credit report. 


I am seeking prompt intervention from the Consumer Financial Protection Bureau to compel TransUnion to conduct a thorough investigation into the disputed items on my credit report and to take necessary corrective action as per the FCRA guidelines.
Consumer complaint received 2020-07-23
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. (PA)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm desperately appealing for the removal of this mixed up late installment from my record. My predictable history of opportune installments goes against this section, which is causing me pointless. I encourage you to address this blunder by refreshing my record quickly.
Consumer complaint received 2021-10-21
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: CREDIT ACCEPTANCE CORPORATION (PA)

This company called credit acceptance Corp ran my credit 5 times with out my consent and it caused my score to drop i want their inquiries off my file their phone number is XXXX their address is address is XXXX XXXX XXXX XXXX MI XXXX
Consumer complaint received 2021-06-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Recovery Systems, Ltd (IA)

Nationwide Recovery Systems started harassing me via phone XX/XX/XXXX for a medical debt from XXXX that was PAID IN FULL in XXXX. I have documentation from the bank supporting that I paid the original medical company, XXXX XXXX XXXX XXXX, in full in XX/XX/XXXX.
Consumer complaint received 2021-06-01
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. (TX)

On multiple occasions I have sent to Experian ( via mail ) requests for information for a specific account that is listed on my consumer report that does not belong to me and needs to be removed immediately as it is being reported inaccurately in which to date, my inquiries and requests have not been responded too and have been ignored! Due to complete negligence on behalf of Experian, I am authorizing CFPB to dispute this inaccurate account and I demand that it be removed immediately! To continue to allow this account to be reported in illegal and clearly in violation of my consumer rights in which I will take necessary legal action if not removed. The name that appears on the collection is not even accurate. 

Experian - Account Listed XXXX XXXX ( Not my name ) XXXX XXXX XXXX - XXXX XXXX {$220.00} I am requesting that you provide me proof of signed contract for alleged services including a signature and proof of identification that was submitted for the account listed with your bureau. 

Your prompt attention to this time sensitive matter is not only highly recommended but mandatory. 

XXXX, XXXX XXXX
Consumer complaint received 2021-03-01
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. (MO)

The following accounts are not mines, and is effecting my credit files. I have not authorized any of these companies my personal information, so these unauthorized and unknown accounts shall be removed immediately from my report 1. XXXX {$31.00} 2. XXXX {$2100.00} 3. XXXX {$2000.00} 4. XXXX XXXX XXXX {$470.00} 5. XXXX XXXX XXXX {$83.00}
Consumer complaint received 2022-10-12
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)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX have violated my rights. 15 USC 1681 section 602a states ; I have a right to privacy.

15USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction
Consumer complaint received 2022-10-12
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: Experian Information Solutions Inc. (MN)

I was reviewing my Credit Report and noticed some Hard Inquiries that I do not recognize. Can you please remove these from my credit report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MN)

I was reviewing my Credit Report and noticed some Hard Inquiries that I do not recognize. Can you please remove these from my credit report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

XXXX, Equifax and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2023-02-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Our loan recorded and originated on XX/XX/XXXX. We signed a HELOC NOTICE TO BORROWERS stating we would not receive the unfunded portion of our loan until the loan is sold or for ninety days, whichever is longer ( XX/XX/XXXX ). The loan was sold to Specialized Loan Services on XX/XX/XXXX and they became the servicer as of XX/XX/XXXX. Specialized Loan Services is in breach of our contract and after speaking to 8 different representatives, they will not transfer me to an escalation manager.
Consumer complaint received 2023-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Upgrade, Inc. (IL)

On XX/XX/, I noticed my Upgrade card was missing from my wallet and I immediately called XXXX to report it lost. XXXX checked for fraudulent charges and found 5 charges I did not make or authorize. I have provided everything XXXX wanted and they have still denied my case. A police report was filed. I will not pay for charges that I did not make or authorize. I reported the card lost within 60 days and I am protected by the Fair Credit Billing Act. I will also file a complaint with the Federal Trade Commission and XXXX
Consumer complaint received 2023-03-10
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: CAPITAL ONE FINANCIAL CORPORATION (MS)

XXXX. First discovered credit inquiry by Capital One Bank on XXXX XXXX. Initiated a dispute. Called and communicated with Capital One. Capital one representative stated the inquiry will be deleted in 90 days.. The inquiry that I have no knowledge about is still on my XXXX credit report.
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

What happened to me isn't my fault. I am a victim. Currently, I am seeking enrollment for college and have been denied getting a loan, due to the error on my credit file. I have contacted the company. They sent me their proof. Which shows a POBOX from my address and a fake electronic signature. This is not my account. They still have not removed it from my credit file.
Consumer complaint received 2018-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

XX/XX/XXXX, and XX/XX/XXXX I reached out to all three credit bureaus reporting that the information on my credit report had been incorrect and that it should be removed I also sent letters stating that the information should not be on my credit report. The all inquiries, collections and the bankruptcy were removed and added back to my all three credit report. I reached out and nothing else had been done even after multiple certified letters being sent. No one has done anything to help my credit report this has done great damage and is a violation of XXXX I have also asked that my inaccurate information be corrected and has failed to do so Please help me.
Consumer complaint received 2018-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have notified the CRA that XXXX XXXX should be deleted from my credit report. XXXX has provided inaccurate information but the CRA continues to validate the debt without providing where the information comes from. XXXX XXXX says that I owe them for XXXX XXXX XXXX XXXX ; however, that is incorrect and the tradeline should be removed. I've contacted the CRA and they continue to validate incorrect information. The attached file shows that XXXX  is providing conflicting information as they are saying the debt is from XXXX XXXX. Therefore, the tradeline should be removed as the CRA continues to say this info is correct and XXXX shows a different account holder.