davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-30
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. (IN)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2022-08-11
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. (FL)

Account Name : XXXX XXXX XXXX XXXX Account Total : {$40.00} Account Name : XXXX XXXX XXXX XXXX Account Total : {$40.00} **DUPLICATED INCORRECT** 15 USC 1681 Section 602 A States i have the right to privacy 15 USC 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 account without my instruction This is wrong i have been trying and do not get a response or proof for the last 4 months, this is hurting me wrong.
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX/XXXX XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Consumer complaint received 2020-04-30
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. (IN)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2015-07-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

XXXX XXXX XXXX XXXX XXXX transfered our mortgage to CARRINGTON MORTGAGE SERVICES LLC at XXXX XXXX, XXXX CA XXXXXXXXand since then XX/XX/XXXX/XX/XX/XXXX, our numbers do not coincide with what the new CARRINGTON XXXX claims. which is leading to larger monthly payment. We do not receive monthly notices nor any other updates and seem to have to pay approx {$300.00} more monthly on a house we have been paying on since XX/XX/XXXX. 
Do we need to contact any State or Federal Fraud investigators. Loan was always current. XXXX sold us out.
Consumer complaint received 2020-07-16
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2020-07-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2020-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (NY)

CONTACTED TD BANK NUMEROUS TIMES SINCE XX/XX/2019, CALLS EMAILS, ONLINE CUSTOMER SERVICE CONTACT SUBMISSION, WRITTEN LETTERS VIA STANDARD MAIL AND EMAIL. 
TD BANK REFUSES TO ACKNOWLEDGE THE PROBLEM OR ACTUALLY LISTEN TO THE COMPLAINT REPORTED, INSTEAD THE SAME ANSWER IS GIVEN REPEATEDLY. MY CREDIT HAS BEEN SIGNIFICANTLY IMPACTED AND SCORE LOWERED SOLELY DUE TO THIS OCCURRENCE. IT IS THE ONLY NEGATIVE IMPACT ON MY REPORT AND IS INACCURATE. 
TRIED TO PROCESS PAYMENT ON MY TC CARD IMMEDIATELY ONLINE. HOWEVER ONLINE PROCESSING WAS UNABLE DUE TO TD TECHNICAL ISSUES AND A BILLING CYCLE NOT BEING ASSIGNED, THUS NO DUE DATE WAS INFORMED TO THE CONSUMER ( ME ). I TRIED TO PAY IMMEDIATELY BUT COULDN'T. PHYSICAL LOCATIONS WERE NOT ABLE TO HELP EITHER. FOLLOWING THIS, I WAS CHARGES LATE FEES AND INTEREST ON THE BALANCE WHICH WAS PAID IN FULL. THESE FEES WERE WAIVED BUT THE REPORTING TO THE CREDIT BUREAUS WERE NOT ADJUSTED OR UPDATED ACCORDINGLY.
Consumer complaint received 2017-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Midwest Recovery Systems (CA)

3 months ago Midwest reported my credit score without my consent and I demand for it to be remove since second party XXXX XXXX XXXX was already aware of the issue I was having and still refused to refund my complete money that was already given to them in the account number # XXXX. My credit was reported unfairly and without my consent and ask for it to be removed.
Consumer complaint received 2021-11-16
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (PA)

I, The Consumer and natural person entered in this consumer credit transaction with XXXX XXXX JPMCB XX/XX/XXXX. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash but JPMCB took cash. The finance charge is supposed to include insurance but i was forced to purchase insurance separately. JPMCB sends me billing statements and making negative marks on my credit file as if i owe an alleged obligation. However the billing statements come with a positive balance, and you can not pay on a positive balance. I am being violated by JPMCB furnishing certain deceptive forms pursuant to 15 USC 1692j, as well as false and misleading representations pursuant to 15 USC 1692e ( 2 ) ( a ). By doing so JPMCB has ruined any chance of me extending credit because of this and i can not buy a house or even get a credit card.
Consumer complaint received 2018-06-20
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. (IL)

The following account below was closed on XX/XX/2011 has a {$0.00} balance and has past the seven year SOL and should be removed from my credit report.

XXXX XXXX # XXXX  XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JTM Capital Management, LLC (IL)

On or about XX/XX/2018, I requested copies of my free credit reports and subsequently discovered several accounts opened in my name fraudulently. On or about XX/XX/2018, I filed a police report with the XXXX Police department via XXXX. XXXX for deceptive practice - financial identity. On or about XX/XX/2018, I filed an identity theft report withe Federal Trade Commission XXXX FTC report number XXXX ). I notified the respective companies about the theft but have been unsuccessful getting the items removed from my credit report.
Consumer complaint received 2018-02-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

On XX/XX/2017 I failed a 2 factor authentication for my Coinbase.com account. I had changed my phone number, and had not changed it on Coinbase, and proceding a hard reset of my phone I was no longer able to access my account. 

Since this date, I have filed numerous tickets, and called at the customer support number at least 7x. 

The entirety of the interaction is " we have assigned a specialist to this case ''. It is XX/XX/XXXX and I have not been given any indication that I may access my digital securities. 

I have completed all security checks, identification verifications, and have even created a new account at their behest to " transfer funds '' over to. 

I do not know what to do, as this is a considerable amount of my wealth and savings- and not having access to it is beginning to affect my standard of living.
Consumer complaint received 2018-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NY)

On or about XX/XX/18 I received an email from my XXXX XXXX credit card company alerting me of possible fraud on the card that I allow my daughter to use. I called the credit card company to find out what charges they were questioning. I then contacted my daughter to ask if she had that credit card in her possession and she said that she did. Based on my discussion with my daughter and a review of my online credit card statement I found that my daughter made three purchases with the credit card on XX/XX/18 at XXXX XXXX  for {$29.00}, XXXX for {$31.00} and XXXX for {$10.00}. All other charges that appeared on the statement were not made by her. These charges included two purchases on XX/XX/18 -- XXXX XXXX XXXX XXXX for {$150.00} and XXXX XXXX   for {$40.00}. Nine other fraudulent purchases occurred on XX/XX/18 at : XXXX XXXX XXXX for {$130.00}, at XXXX XXXX for {$160.00}, at XXXX for {$36.00}, at XXXX for {$120.00} and {$130.00}, at XXXX  for {$260.00} and {$20.00}, and at XXXX XXXX XXXX for {$100.00} and {$230.00}. 

The Bank ( Barclay Bank ) that issued the card required us to fill out a Statement of Fraud indicating the charges were not made by my daughter, which we promptly submitted. I told representatives at the bank that my daughter was still in possession of the card. Thus, according to bank officials since the credit card is still in my daughter 's possession and the purchases were chip transactions I will have to cover the cost of these unauthorized transactions. 

After speaking with my daughter she informed me that she was performing XXXX XXXX ( for her XXXX XXXX curriculum ) at XXXX XXXX XXXX on XX/XX/XXXX -- the first date of the unauthorized transactions. She said that she left her pocketbook, which contained her wallet with the credit card in the conference room, as required by the XXXX. The only possible explanation I could think of is that another student took her credit card from her bag, made the unauthorized purchased and placed the card back in her pocketbook the following day. 

Of course I can't prove this theory but I do know that my daughter did not make any of these purchases. Of course if the purchases were in line with our usual spending habits the bank never would have questioned them in the first place. I am very upset that I know am being required to pay for over {$1400.00} in charges for items we didn't purchase. 

Please let me know what can be done about this. Can I file a police report and get video footage from the vendors of the transactions to prove that my daughter did not make these charges. I thought that there were rules that govern credit card companies that protect consumers in these situations. Any assistance you can provide would be greatly appreciated.
Consumer complaint received 2020-10-06
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. (FL)

THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT ANS HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.
Consumer complaint received 2020-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (MI)

Hello, and thank you for your consideration in this matter. My name is XXXX XXXX and I have been a satisfied customer with American Express until now. I applied for a credit line increase on my XXXX XXXX credit card, and was denied. The letter that I received contained a few reasons why I was denied, but I was surprised by the first listed reason : " Your consumer credit report indicates your payment history has been unsatisfactory. '' Knowing this to be false, I reached out to the Chairman 's Office at American Express via email on XX/XX/2020, inquiring why this reason was listed on my denial letter. 

I was contacted by XXXX at the Executive Office at American Express at XXXX XXXX on XX/XX/XXXX, and she mentioned two things. Firstly, that based on what she could see using in-house information, my payment history has been fine with American Express. Secondly, she insisted this information was there because of information American Express received from my XX/XX/XXXX credit report. I checked my XX/XX/XXXX credit report, and there is no mention whatsoever of an unsatisfactory payment history anywhere in this report. This could very well be a simple mistake, but at this point, American Express seems quite certain my credit report is giving this information. This leads me to believe that this reason is appearing on my report fraudulently. 

I will send the XX/XX/XXXX letter and my XX/XX/XXXX credit report dated XX/XX/2020. I hope to hear from your office soon.
Consumer complaint received 2018-06-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (MD)

We ( My Sister & I : XXXX XXXX-On Deed/Not Loan ) are doing a follow-up as an CFPB associate suggested, and are rendering an amended addendum, based on the neglect and oversight on the previous complaint and comprehensive package, that was sent to your organization, that was either intentionally omitted or ignored via Selene Finance 's response. 
Included in this package is the most recent modification offer that was sent to us ( Pages 1-3 ). 
We accepted the offer and replied within 7 business days ( Pages 4,5 ). 
NOTE : Because of the fact that Selene Finance did not acknowledge that they damaged my sisters credit, nor did they make any mention of repairing the damage until we filed a complaint to your organization ( CFPB ) . I rendered a counter offer for them to consider, due to my being perturbed, and having a feeling of hopelessness, because of the affect it had on my sister 's health ; and the length of time the Derogatory Reporting being in existence, at least 9 months before they ( Selene Finance ) corrected the problem ( See Pages 6,7 ) Derogatory Report ( Pages 8,9 ).
Consumer complaint received 2021-11-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc. (NY)

My name is XXXX XXXX I've been using coinbase for quite some time never had a problem until Sunday XX/XX/XXXX I made an attempt to purchase a XXXX XXXX XXXX in order to use this XXXX to purchase another XXXX on my coinbase wallet after several attempts the money never tranfered to my portfolio on coinbase under etherium at first I thought there system was down and if I gave them a while things would set it self straight I waited until the next day still no etherium posted to my portfolio I called the bank and several transactions were sent to coinbase that never show up so the bank reimbursed me and I had to go to the local XXXX  branch to to do a security transformation were they gave me a new routing number and account number ok now that was done I'm still not able to buy any XXXX on coinbase or tranfer money from my coinbase wallet which I have thousands of dollars connected with both coinbase and coinbase wallet tried many different ways to connect with coinbase only to be told things are in review I'm getting the run around need help
Consumer complaint received 2018-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (UT)

Regarding recently closed complaint XXXX : 1. ) Despite asking to close this account since XX/XX/2018 in the presence of a Wells Fargo Representative at the Wells Fargo location inside of the XXXXXXXX XXXX XXXX XXXX in XXXX Utah, while on the phone with a representative from the Wells Fargo Card Service, Wells Fargo continues to send me notices that I am delinquent on this credit card that was closed months ago. 

2. ) Wells Fargo purposefully took longer than necessary to apply my collateral of {$300.00} to the account to incur more fees and to attempt to put a negative mark on my credit as a penalty for closing my credit card. The collateral was not applied until yesterday, XX/XX/2018, despite requesting this account to be closed on XX/XX/2018. 

3. ) The notice that I was sent this week directly conflicts with what my account says when I log in ( see both attached ). My account currently states that i owe {$16.00} ( which is not true as well ). The letter states that I am in default {$58.00}. Wells Fargo is purposefully being confusing as yet another penalty for closing my credit card. 

4. ) This entire situation was unnecessary and arose from Wells Fargo charging myself a late fee on or before the actual due date of payment on this account. 

5. ) This ongoing issue that I have with Wells Fargo charging my credit card fees that no one would explain and then denying closure of my account repeatedly for several weeks since XX/XX/2018 has caused myself much unnecessary waste of personal time and added stress. Total time lost due to this unnecessary situation is approximately 4 hours to date. 

6. ) It is my belief that Wells Fargo routinely targets low income and credit score disadvantaged individuals with these types of " miscommunications '' and illegal fees as a means to strong-arm credit disadvantaged individuals who are in fear of receiving a bad credit report from Wells Fargo. Wells Fargo also uses this as a means to dissuade these same disadvantaged individuals from closing their accounts. This activity described is both illegal and immoral.
Consumer complaint received 2021-11-05
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)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2020-04-30
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. (NC)

Currently, XXXX  and TransUnion a public record ( Bankruptcy ) that is not accurate and incorrect. I have sent letters multiple time over the pass five years to get this corrected and most recently called Transunion directly about the issue. I have contacted the courts and they can not find the case number, I spoke with the chief clerk of the court and she stated that they did not report this information to the credit bureaus, in fact she stated that they don't report any cases to the credit bureaus. I have asked both companies to tell me who provided them this information and refused to do so, however, they continued to lie and say they got this information from the courts. They also have accounts list with inaccurate information that are listed multiple times with different statuses. They have collections listed that I have continued to dispute that have missing data which I have never done business with. I have sent disputes to XXXX  about reporting inaccurate information just to be told they verified the information as accurate and I no it's not. I understand you ask for dates, however, I'm XXXX veteran who suffers from XXXX XXXX XXXX and my memory is affected, so I just ask you to work with me.