davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-30
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. (TX)

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX Unit A XXXX TX XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX I was alerted via credit monitoring ( ExperianXXXX XXXX that a XXXXXXXX XXXX Credit card account was reported to my credit report with the name XXXX XXXX XXXX XXXX They are reporting an inaccurate address that I've never been associated with that is connected to the fraud claim : XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX. 

I HAVE A 7 YEAR FRAUD ALERT AND CREDIT FREEZE ON ALL 3 CREDIT REPORTS. THE INACCURATE NAME AND MULTIPLE ACCOUNTS BELONGING TO THAT NAME CONTINUE TO POPULATE ON MY CREDIT REPORTS. 

I have never been associated with that name. My credit file has been merged due to identity theft dating back to XXXX. My credit file has been in the Special Handling Department of Experian as well as XXXX and XXXX due to accounts being reported to my credit report with account owners that have a similar name. 
The account is reporting a late payment also that has prevented me from moving and I am facing homelessness. I'VE NEVER HAD A XXXXXXXX XXXX CREDIT CARD ACCOUNT. 

XXXXXXXX XXXX  customer service and supervisors have not aided in resolving this issue. I asked for a corporate contact to file a complaint and I was told that one does not exist.
Consumer complaint received 2023-01-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (AZ)

I was a customer with Wells Fargo from XXXX. I was subject to thousands of overdraft fees, account minimum fees etc. 

I made numerous attempts to rectify these charges and even change my account type with Wells Fargo to avoid these fees but was never given the opportunity to change the account. 

Early this year, I closed my XXXX account for good for their excessive fees and unwillingness to offer or provide a service that was fit for consumers. 

I believe I am owed damages for the amount I paid to Wells Fargo over all those years.
Consumer complaint received 2020-10-12
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)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt.

Per

Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. Thank you for your prompt attention in this matter. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2023-01-30
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (SC)

Hello, My issue is with Nationwide Credit INC. Nationwide has said they initially received the Finns hardship application but the decision to deny was with XXXX XXXX XXXX  XXXX attorney has said that they have never received any hardship application from NCI. 
My previous complaints to CFPB about this case # XXXX and XXXX NCI has said we received the hardship application but XXXX we're the ones to deny. 
XXXX attorney has said he never get any hardship application. 

Thanks,
Consumer complaint received 2019-11-05
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. (LA)

HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2018-09-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

Carrington is in violation of CA HBOR and dual tracking. Carrington is acting with gross negligence and incompetence. 

At issue is a modificaiton request that was submitted on XX/XX/18. After the modification request was submitted Carrington violated RESPA guidelines and RESPA guidelines by filing a notice of sale. Additionally Carrington continues to ask for documents that were already submitted to them. They already received contributor information they already received most recent pay stubs but they continue to pretend that they haven't so that they can illegally foreclose on property.
Consumer complaint received 2023-01-30
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: Experian Information Solutions Inc. (IA)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  # XXXX, has violated my rights. 





15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-10-12
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: COMMUNITY CHOICE FINANCIAL, INC. (OH)

I got a text from this number XXXX. It gave me a number to call which was XXXX. When I called that number I asked them questions as to how they got my information they said that they couldnt tell me then they started saying that I owed a Loan from Check smart. I never did I get a loan from Checksmart or any other company Ive always had good credit my payday loans have been paid off they will not tell me how they got the information and Im not seeing any inquiry from Checksmart on my credit report. I will send any money or give out information UNLESS I KNOW ABOUT IT.
Consumer complaint received 2021-07-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

As per inclosed documentation from XXXX  and the actual XXXX  XXXX late payment on my report was placed incorrectly. 
However XXXX  and Equifax continue to report information that was admitted by XXXX and XXXX as incorrect. 
Inclosed is a all related documentation including reply from the Attorney General of NYS, screenshot of the current reporting status by all 3 credit Bureaus. 
As per attached document the maturity date of the account is XX/XX/2020 but yet XXXX is reporting late payments on the account is closed and paid off. 
Terms of lease according to furnisher is 6 month and yet expiring is listing it account status still open and terms of the lease is 36 month .Equifax is not reporting terms of the leas and reporting account Paid .No investigation was ever made by XXXX  or Equifax and I have never received any investigative report .FCRA violation and violation of NYS implemented rugulations that the furnisher must submit verification/modification of the account on a carbon copy and that CRA must retain this copy and supply the consumer if such carbon copy is requested .I have never received any pice of paper from this 2 Bureaus.
Consumer complaint received 2018-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BBVA FINANCIAL CORPORATION (IN)

My name is XXXX XXXX and I am going through the process dealing with Simple Banking. It is a online way of banking. I completed a online mobile check deposit and I was told that I had a 5 day hold after I made deposit. After several days I contacted the payee who informed me that the check had cleared on their account and money had been removed from their account. I then called Simple back to see why I didn't have access to my cash, only to be told that it was still being held. For what reason, I still don't understand or not was a explanation given. When I asked for a manager, I was told that there were none. I have no clue how this is allowed.
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Payfare International Inc. (AZ)

I have the XXXX XXXX card. Last week, there was a transaction for {$78.00}. I was notified right away about the transaction. I called XXXX support and they told me to call the gas station in Florida where this was made ( I live in Arizona ). I called the gas station, they said they can not cancel it because it was online, blah blah blah and told me to call XXXXXXXX XXXX. I called XXXX back. Got transferred a couple times, and then was told the transaction was cancelled and I would be getting my money back within 24 hours. Of course, I called back today, and now they are saying it was made with XXXX XXXX, and it is my fault and they will not give me my money back. But here is the biggest issue. I JUST got that card like a week before this. I NEVER EVER used this card, I never put the number ANYWHERE. I was saving the money on that card for my trip coming up, I was leaving it there and not touching it. The ONLY way someone could have gotten this card number was from XXXX employees. I can not be the only one that has had this issue. I need my money back this is an AWFUL business practice and something needs to be done!! I called them right away, so they had plenty of time to cancel this order before the thief even had time to get the items they ordered. XXXX XXXX and XXXX XXXX XXXX  should be fined for doing this to people!
Consumer complaint received 2017-08-12
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Continental Services Group, Inc. d/b/a ConServe (NJ)

An Order for wage garnishment was issued against me without being endorsed or filed from Con Serve in XXXX, NY. I have been actively paying on a debt for several years. Con Serve issued a fictitious amount of debt in a wage garnishment through my employer that was never filed in federal and/or state jurisdictions. My employer started garnishing my wages without verifying the validity of the garnishment and I have been forced out of my job due to harassing calls from Con Serve to myself and my employer. Various representatives from Con Serve repeatedly called me at work threatening to have me arrested and take my income. One representative of Con Serve stated his name was XXXX XXXX and that he was an Attorney, but he sounded more like a high school student hired by his parents, who are likely the investors. I lost my job and I lost my home. I am responsible for taking care of an elderly family member and I can no longer afford the medical care needed due to Con Serve issuing a false garnishment against my income and my employer. Between the years of XXXX-XXXX, I had been actively seeking stable employment throughout the US prior to starting my job last year. I want a criminal complaint against the organization at Con Serve, XXXX XXXX XXXX XXXX XXXX, XXXX, NYXXXX.
Consumer complaint received 2023-04-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

On XX/XX/XXXX I received a call at around XXXX XXXX from someone who said he was XXXX XXXX Bank of America in credit card services. I was with family so did not answer. A recording was left. He stated that if he could not get me on the phone he would put a " security hold '' on a BOA credit card they had issued in my name and to call them right away. So on Monday XX/XX/XXXX I called BOA and talked to XXXX in their Fraud Dept. He asked me some questions and stated the person who applied for the BOA credit card said she was a XXXX. I have never been nor am I now a XXXX. This person used my credentials except for the addres which they used at XXXX XXXX XXXX XXXX, PA... I told him this was a bogus address and I have never even visited Pennsylvania nor do I know anyone or have not ever lived at that address. He said he would take care of it and make sure and let the CRA '' XXXX ( XXXX, XXXX, XXXX ) know and make sure it comes off my reports. He did not. It is still showing as an address along with a BOA Credit card for {$11000.00} on my credit report. This is wrong. I have informed XXXX and sent a police report as I had the Officer listen to the recording. I have also filed a complaint with the FTC stating Identity Theft and will attach it to this info. Bank of America still has not removed this " bogus '' information from my credit reports even though I have requested a letter promising they would. I have not received one. I have spent hours and hours on the phone trying to resolve this.
Consumer complaint received 2020-10-23
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. (OK)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2020-07-27
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. (AZ)

wrong address and accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-06
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. (NY)

Experian is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 6 complaints informing Experian that I was a victim of identity theft. Experian is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Experian has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : 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 BANK XXXX XXXX, XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2017-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX reported a charge off account when payment was made before the normal 120 days of charge off. I submitted details of payments and a bank statement for payment that was not credited and resulted in the charge off XXXX XXXX refuse to recognize their mistake.
Consumer complaint received 2024-03-22
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Mar Joe Enterprises (TN)

I received a Collection call directed for a co-worker on XX/XX/2024 aXXXX XXXX XXXX  from CBC LLC, phone number XXXX. The agent calling then proceeded to discuss my co-workers debt owed and demanded payment without even verifying who they were speaking to. This is blatant violation of the law.
Consumer complaint received 2023-01-30
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. (VA)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account : XXXX XXXX, account number : XXXX Account : XXXX XXXXXXXX XXXX, account number : XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 a. States I have the right to privacy.

15 U.S.C. 1681 section 604 a. section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

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

15 U.S.C. 1681 section 2 ( a ) ( 1 ) states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (OK)

OnXX/XX/XXXX 2021 I sent my dispute to this company about a account that was opened under my name without my knowledge or consent. And to date I still have not received any kind of response to my complaint or to know if they did any kind of active investigation into this matter. I have attached a copy of letter sent to company along with police report that I have been a victim of identify theft in this matter.
Consumer complaint received 2022-04-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (NY)

I am a partner in a XXXX XXXX XXXX and in XX/XX/XXXX we applied for a XXXX account with Coinbase. We signed an agreement and provided all documentation required. We have followed up with Coinbase Client Onboarding and the agent XXXX XXXX of Coinbase over XXXX times by email, sometimes multiple times in a day to open the account. The Coinbase Website advertises Private Accounts for companies such as our XXXX and XXXX, but there is no way to reach anyone in customer service at Coinbase that is familiar with the accounts such as these that are advertised and their Website complaint system is a loop that never leads you to a person who can resolve the issue. I filed a complaint with Coinbase on XX/XX/XXXX, and after three weeks they contacted me by email to ask for additional documents which were all sent to them on XX/XX/XXXX. On XX/XX/XXXX, a request was made to sign the application agreement again, although they did not provide a link for signature. We advised them that the agreement was signed for a second time in XXXX XXXX  XXXX, and then they followed up in an email saying they had everything they needed. We still have no account after 7 months.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXXXXXX accepted into a debt management program. XXXX XXXX XXXX payments are made through XXXX  XXXX XXXXXXXX XXXX XXXX shows account current every month through app as XXXX XXXX XXXX is paying the {$15.00} fixed paid agreement account shows current minimum payment met yet XXXX XXXX  continuously reports late on credit see screenshot attached.
Consumer complaint received 2019-11-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MA)

I was notified by letter that my checking and credit cards would be closed. I called to find out why and I was told I did not respond to a federal regulation asking for demographic questions such as marital status, etc. However, I told the USAA agent that I did complete this and every member on my account completed this. I was flabbergasted that after 15 years my accounts would be closed. The Agent checked and she said that two of the three completed the requested but my brother did not. However, I personally completed the questionnaire with my brother in person. I know he completed this 100 %. I am not sure if there was an electronic glitch or an issue with USAA 's app. I was also told I could not open any future accounts with USAA. I asked to speak to a supervisor and the she could not do anything at all. Worse, I asked to speak to a higher level person and I have yet to have received a call in the last two weeks. I am a service member in the XXXX XXXX and I don't understand why I am being treated this way. This seems to be an honest mistake somewhere and I just want to be able to open a USAA account again. This only seems fair.