davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-26
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

An initial fraudulent credit inquiry was discovered from " CAPITAL ONE '' in XXXX XXXX XXXX. Most recently an additional fraudulent credit inquiry was highlighted on my credit report from " CAPITAL ONE '' on XX/XX/2022. I did not request nor authorize these inquiries. Upon creating an account with the credit bureau ( XXXX ), I noticed there were additional fraudulent inquiries that remained unreported on my credit file along with unrecognized phone numbers attached to my account.
Consumer complaint received 2020-12-09
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: Experian Information Solutions Inc. (FL)

Today it's over 30 days since Ive sent disputes dated XX/XX/2020 but there's still no reply. But I haven't received any reply. I was a victim of XXXX  Data Breach. I demand to delete those inaccurate and unknown accounts or I will file litigation.
Consumer complaint received 2020-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Today it's over 30 days since Ive sent disputes dated XX/XX/2020 but there's still no reply. But I haven't received any reply. I was a victim of XXXX  Data Breach. I demand to delete those inaccurate and unknown accounts or I will file litigation.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Checked my credit report and XXXX XXXX XXXX has put XXXX tradelines on my credit report. Each entry states balance of {$1000.00} and the other of {$990.00}. These accounts were opened on the same date of XX/XX/2022 and closed on XX/XX/2022. I have never had a XXXX account. The accounts need to be deleted immediately. I have also reported to the FTC as fraudulent accounts.
Consumer complaint received 2022-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-10-10
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd. (PA)

I have receive numerous daily calls for the past 12 mos or so from this debt collector, Harris & Harris. After figuring out how to block their number, they still call and are able to leave a messages. There is zero contact from them through the mail. 

I called them on XX/XX/XXXX I called them back, verified all my information and asked them to stop calling me, twice, and to only contact me via U.S. mail. 

They have since called on Sunday XX/XX/XXXX @ XXXX
Consumer complaint received 2021-04-09
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-06-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (SC)

Hello, I am a retired XXXX professional living on Social Security with a budget that handles us from payday to payday. My issue is with the cancellation of PMI on my mortgage. The mortgage was with XXXX beginning in XX/XX/XXXX. In XX/XX/XXXX an auto accident led to my getting a couple of months in arrears on the mortgage to pay for the next auto acquisition and related fees. In XX/XX/XXXX XXXX notified me that my mortgage had reached a point that my PMI would cancel once my payments were current. In XX/XX/XXXX XXXX transferred the servicing of my mortgage to Bayview Loan Servicing and they began foreclosure on the property. I managed to acquire a loan that I used to get my mortgage caught up in XX/XX/XXXX. Since then I have been in contact with Bayview several times regarding this issue. Each time the response states that I do not have a twelve month history of on time payments. 
Attached are several supporting documents. Thanks for being there to help us folks out. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN NEIGHBORHOOD MORTGAGE (NJ)

XXXX XXXX refused to speak to me during the mortgage closing process.

I called the main Annie Mac customer service number to complain  against XXXX XXXX, and I said I needed to speak to the owner. I was given to XXXX. 

When I called back to customer service, I told the female I needed the owner to complain, and I was told that was not an option.

I was then hung up on. The loan officer called me, and told me I could not speak with the owner, and he would relay the message. I told him this seemed weird and unprofessional. He said he would loop me in on a call. I told him that was unacceptable.

I still have not heard from the owner. 

new address is XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX, Processor, AnnieMac Home Mortgage XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NJ XXXX Email XXXX XXXX XXXX Ext. XXXX Fax XXXX
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I recently pulled a copy of my credit report and noticed accounts and inquiries that I have not authorized or any affiliation with. I have contacted all XXXX credit bureaus and requested verification of these accounts with no formal response. 

I have the right to privacy and have not given any written consent for this information to be reported to my profile which is in violation of 15 USC 1681 Furnishing accounts to my credit report that are a result of identity theft is in violation of 15 USC 1681 C-2 I requested that all fraudulent addresses be removed from profile to prevent fraud accounts being added to my profile under my identity. The information is impacting my credit negatively.
Consumer complaint received 2022-04-26
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. (TN)

In accordance with the Fair Credit Reporting Act, the following list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : ( XXXX ) XXXX XXXX  # XXXX, has violated my rights. 
( XXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX # XXXX, has violated my rights. 
( XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
( XXXX ) XXXXXXXX XXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
( XXXX ) XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX XXXX  # XXXX, has violated my rights. 
And ( XXXX ) XXXX XXXX # XXXX, has violated my rights. 

Please note : In the Fair Credit Reporting Act ; 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 States : A consumer reporting agency can not furnish a 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 ; and 15 U.S.C. 1681s-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. Therefore, this issue needs to be resolved immediately. Thank you for your assistance in this matter.
Consumer complaint received 2021-10-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

Hello I am experiencing problems using Coinbase Wallet. I have been in contact with their customer support but over several weeks now but so far they have not been able to help me. 

On XX/XX/2021, I created a Coinbase Wallet, linked it to my Coinbase profile, and wrote down my unique word combination ( password ). 

A few weeks later, on XX/XX/XXXX, I sent XXXX  coins from my Coinbase account to my Coinbase wallet ( I got below message as an email from coinbase at the time ). 

Congratulations! You have successfully sent XXXX XXXX to XXXX. You can view transaction details in your Coinbaseaccount. To facilitate this transaction, you paid XXXX XXXX ( {$1.00} USD ) in network fees. 

Now, a few weeks ago I tried to log into my coinbase wallet using the same unique word combination that I wrote down in XXXX when I opened the wallet. However when tried to log in, it seemed like this created a completely new coinbase wallet account. I checked on XXXX, all my XXXX are still in the wallet ( XXXX ), but when I now go to active wallet in my Coinbase Wallet App, none of the " active '' wallets are the one that received my XXXX back in XXXX. 

Cleary my word combination is correct, but I wonder where the wallet is that received my coins? What happened to the wallet that I linked to my Coinbase account on XX/XX/XXXX? 

They should be able to see that the coinbase wallet XXXX is linked to my Coinbase account, correct. 

As mentioned, I have reached out to their customer support multiple times already, but so far the replies weren't very helpful. I am using the XXXX app ( XXXX ), but don't think this is a software bug but something more serious. 

Thanks XXXX
Consumer complaint received 2024-02-24
Product: Credit reporting 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)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT : XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX XXXXXXXX # XXXX and 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 2020-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX XX/XX/2020 I have several accounts that are unknown or Fraudulent activity on it! I have requested that all of them froward me a copy of the contract and Itemized statement. There is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. This is my official Police report on file. This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are following OHIO LAW. The following account are still unverified : XXXX Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts If you do not remove this items in a timely matter I will file a law suit under section 617 under the color of the law. 
Please delete the following accounts : 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 OHIO DEPT OF HUMAN SERVICES, OHIO DEPT OF HUMAN SERVICES OTHER XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX OH XXXX Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX  XXXX XXXX XXXX WV XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX My employer is SELF EMPLOYED This is my only number XXXX All other telephone numbers are not accurate
Consumer complaint received 2024-02-24
Product: Credit reporting 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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX XXXXXXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account XXXX XXXX XXXX  XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/2022 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 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. 1681s-2 ( A ) ( 1 ) 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 2020-12-10
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. (MO)

My identity has been compromised and someone obviously used my name because there's information on my credit file that does not belong to me. Please remove the following accounts and block them from my credit file. 

XXXX. XXXX XXXX 2. XXXX XXXX
Consumer complaint received 2021-04-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CA)

My loan refinance started XX/XX/21 and the company still has not closed XXXX. I have made several calls, emails, and even stepped in to try to expedite the process due to lack of consistent commitments, not correctly notating information I have provided multiple times. I have been handed off to multiple individuals during this process. No my rate is going to expire and they want to charge me additional fee due to their lack of correcting errors that are not done on my part. I believe they just trying to extort more money from me by stalling on the closing process. I have asked how much these fees will be multiple times and never given an actual answer. I have asked to have my reps supervisor call me and never given a person and a fellow associate calls me after I was told she was a supervisor by the rep for the company prior. She could not help me just reverted back to the standard I am sorry for your inconvenience card and stated she called me to verify information I had provided in an email prior. I have attempted to call and been put on hold for 47 minutes plus. I have emails and screen shots to back up my statements. 

Respectfully,
Consumer complaint received 2021-01-26
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. (MO)

On XX/XX/2020 I sent a letter that showed my response to their so called " investigation '' into disputed inaccurate items on my credit report. Today is XX/XX/XXXX, over 40 days later, and I have not received a response. Im not sure if my letters were thrown away, or if they simply ignored my disputes, but I have not received any reply to my challenge of their method of verification that clearly shows various inaccuracies on my report. According to the FCRA Section 611 ( a ) failure to investigate these items within 30 days gives a reason to immediately remove these accounts from my credit report. It has been well over 30 days, so they should be deleted immediately. I need these accounts to be deleted promptly, or I will be seeking litigation due to the strain this has placed on my health due to the loss of jobs, housing, and funding opportunities. Im fearful that these creditors have been using illegal tactics, or that my information was compromised as a result of the Equifax data Breach or some type of Identity theft. Please delete.
Consumer complaint received 2017-09-19
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. (LA)

I have SEVERAL unauthorized inquiries on my credit report from Equifax. I have contacted them many, many times seeking a resolution.I have also reached out to all of the creditors. They have no evidence that I have applied for credit with them. I have placed fraud alerts on my report and still receive UNAUTHORIZED inquiries. XXXX of those inquiries are from XXXX on XX/XX/XXXX and XX/XX/XXXX. I did n't authorize those inquiries and XXXX has sent me paperwork stating that they were unauthorized and should be removed. They also sent it to Equifax and They still wont delete them. This was months ago.I have XXXX unauthorized inquiries from XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ). I also have  UNAUTHORIZED/FRAUDULENT inquires from XXXX  XXXX ( XX/XX/XXXX ), XXXX XXXX/XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and XXXX/XXXX ( XX/XX/XXXX ). I have XXXX children and these inquiries are definitely stopping me from getting a mortgage/home for my family. None of these inquiries were made by me. I have no knowledge of them. I have fraud alerts with all three bureaus and it is wrong to still have these fraudulent inquiries on MY files.
Consumer complaint received 2022-04-26
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. (FL)

In accordance with the Fair credit report act XXXX XXXX XXXX Account number 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 2020-12-10
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: LEXISNEXIS (WA)

XXXX Previous complaint ID that got closed. 

Lexis Nexis assigned XXXX as the representative to handle this complaint. However, she never proactively reached out in dealing with the matters. 

Attaching in the complain is the series of inquiries of my report. All of the responses by LexisNexis ( or XXXX specifically ) were merely a reply to my proactive inquiries after silence and silence over the months. 

The last point of contact, XXXX asked for the last known US addresses on the file, which I replied within 5 hours. The same day XXXX wrote up a form stating no response was received on my end. She blantly lied to me, to the government and in written form of communication and paper traits, ( email ) she never did any investigation, or addressing any concerns.
Consumer complaint received 2018-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

TransUnion has allowed XXXX XXXX to access my credit app and they were not authorized. They tell the people I apply with Im deceased but put inquiries on my report from people who wouldnt be touching it.
Consumer complaint received 2022-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

An initial fraudulent credit inquiry was discovered from " XXXX  XXXX '' in XXXXXXXX XXXX XXXX Most recently an additional fraudulent credit inquiry was highlighted on my credit report from " XXXX  XXXX '' on XX/XX/2022. I did not request nor authorize these inquiries. Upon creating an account with the credit bureau ( TransUnion ), I noticed there were additional fraudulent inquiries that remained unreported on my credit file along with unrecognized phone numbers attached to my account.