davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-12
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. (NV)

the comapnys transunion XXXX XXXX are not providing the right information of my creidt my credit to me and there are items in these agencies on my credit report that are not mine and they continue to place negative items on my credit reports that are not mine and making my credit report worse and worse each time and they are decieving me and making my credit worse and worse by placeing incorrect and fraudulant items on my credit report and not removing the fraudulant and invalid incorrect items from my credit report and making my credit report and credit score go higher elevate my credit score and becuae of these neglagences my credit score has gone down and i am not able to use my credit to purchase home items and all necessary items from my living cars grocery food electronics etc.
Consumer complaint received 2018-07-26
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: Medical Data Systems, Inc. (AL)

I have checked my credit report and noticed inaccurate information from your company. I have not received a dunning letter from your company and you have taken away my rights to validate the debt. I am not responsible for this debt with your company. I have never done business with your company and I do not owe your company. Please be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA : therefore if you can not validate the debt, you must represent that all credit reporting agencies delete the entry. As per FTC opinion letter from Attorney XXXX. XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Please do not send me a copy of a bill because that is not debt validation. I am asking for debt validation from your company. Send me a copy of the contract I signed with your company. I have attached my ucc11 from the secretary of state which shows i have no lien placed against my name.
Consumer complaint received 2022-04-27
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. (TX)

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

15 U.S.C 1681 Section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MD)

I refinanced my home loan and closed on XX/XX/21. My escrow refund was to be issued within 20 business days. As of XX/XX/21, the escrow refund of {$3500.00} has not been received. I sent numerous online messages XXXX to end of XXXX. I reached out XXXX and received a response from Loan Care, LLC, as a result. I spoke to a representative on XX/XX/21 and was informed a check was issued on XX/XX/21. I requested the issued check be cancelled and another check issued via Priority Mail. I was told this would take additional time and a customer representative would reach out to me. As of XX/XX/21, I am once again unable to reach a live representative to direct my follow-up inquiry to.
Consumer complaint received 2021-05-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I am a XXXX account holder with critpocurrencies ( bitcoin, and ethereum ). I live in XXXX. My XXXX account has been blocked since XXXX. XXXX says it's under review and dont let me access my money. XXXX also don't tell me what is wrong. If I can't find out what the problem is, I can't fix it. 

In my opinion there is no problem at all. My account its been fine since the first day I sent XXXX XXXX. Nothing has changed. 

I have sent XXXX many complaints and they always tell me to wait a few days. The result is always the same. XXXX do not solve the problema and dont let me access my funds. Also, my money is exposed to what happens in the market, I feel hurt. XXXX allways says is going to do something but its been almost five months since I cant get my money. Cant understadn this could happen in the USA, and cant understand this happen with XXXX, a XXXX listed company.
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX XXXX XXXX I reviewed my credit report and I see that my name is misspelled XXXX XXXX XXXX is the correct spelling in my name ( XXXX XXXX is not my name, please delete ) I have to start a reinvestigation on my file I see addresses and phone numbers that are not mine. I do not live at the following addresses please delete : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX The following phone numbers are not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. 
I do not know how this works, but I need it done or somehow corrected. 
I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRAsection 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX # XXXX account is reporting 30,60 DAYS LATE sinceXXXX requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Consumer complaint received 2020-09-06
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau XXXX CFPB XXXX as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX, XXXX and XXXX  XXXX  within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the XXXX. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-05-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (TX)

I withdrew cash from my debit card which overdrew my account. Then, my monthly XXXX auto draft processed after that. It would be understandable to be charged 2 overdraft fees due to this, but I was charged 5 separate fees before my check was deposited! I called to attempt to have the excessive fees waived, they only agreed to credit one. The agent I spoke with was kind, but stated that's all she can do. She was unable to confirm how many fees I've been charged in the past 12 months. I believe that BB & T charges fees excessively, charging fees for transactions before the checking account is overdrawn. I never had this issue with XXXX XXXX, the bank that sold my account to BB & T, nor with any other bank I had accounts with. Please investigate this.
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

By clicking " Get Free Credit Report '' on the Transunion website, you are automatically signed up for a {$24.00} monthly subscription to their credit monitoring services. You are prompted to enter a credit card to verify your identity, and nowhere does it say that you are about to be charged an amount monthly.
Consumer complaint received 2018-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NE)

Equifax said I have nothing on my file. Even asked me if I have credit. XXXX years old have never had a problem getting credit pulled up. They told me to send identification documents which I did they said would take 48 hours still have no file. They seem to not be able to tell me why I have nothing in my file. Told me to resend documents. They have no answers for me why I dont have any record of credit and what will happen when I give them the identity documents.
Consumer complaint received 2022-10-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stevens Business Service, Inc. (NY)

A new collection was put on my credit report by the Stevens Business Service which does not belong to me. The company originally put a collection on my XXXX  account and now they put one in XXXX. Both have been already disputed by me. I never received any details or information prior to them putting the collections in my credit reports. I also already sent a written mail to the company last XX/XX/2022 indicating that this debt in the amount of XXXX for an account number ending in XXXX is not mine and that this is because of identity theft and that they should remove all claims from all my credit reports- which they never did. I never lived in XXXX XXXX nor have I ever had an account in XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-02-01
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: Experian Information Solutions Inc. (NY)

XXXX, XXXX, Experian, Credit companies are not complying with their own policies within a timely manner, on XX/XX/2022 I contacted the above companies regarding multiple account inaccuracies including a XXXX consumer account showing {$XXXX} balance and inquiries including XXXX XXXX, first XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, I have yet to receive in response.
Consumer complaint received 2023-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

This letter is to make PHH aware that it has committed multiple errors that have caused me damages and injuries. PHH refuses to acknowledge me as a successor in interest. There is no dispute that my late husband passed away on XX/XX/XXXX. I have sent multiple communications making PHH aware of this. XXXX XXXX sent a letter as well. I have been injured for no less than {$150.00} as of right now. XXXX XXXX sent the letter on XX/XX/XXXX making you aware that I am the successor in interest. I have attached the death certificate, my drivers license, the deed showing I own the property.
Consumer complaint received 2021-02-05
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the XXXX and my local police department. I send all documents to the C.R.A and Department of Education/XXXX, XXXX XXXX/XXXX, and Capital One Bank USA. The Account Opened is Department of Education/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}. The Account Opened is XXXX XXXX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$400.00}. The Account Opened is Capital One Bank USA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$400.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2024-03-17
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: REGIONS FINANCIAL CORPORATION (NJ)

I was forced to chosse only one option as salary payment for working hours. 
Even request the salary payment sucjh as payment stub checcking, my oral request was denied unless receive the debit card by the XXXX XXXX company. 
Since then and now too many issues which costumer service ( XXXX XXXX ) that do not provide accurate information such as : - Limit mount to withdraw cash it is variable depending at every ATM location. 
- Some XXXX XXXX XXXX XXXX XXXX XXXX XXXX  location do not exist even costumer services insist for many times, - According to the costumer service the limit withdraw is XXXX XXXX XXXX XXXX  ) however it is different at every ATM machine - Some ATM machine allow proceed just one transaction per time so next time it is llow to withdraw again - Some of them the costumer ( who use the service ) must to have transportation because it far. 
- It is no possible to request the option of pay-stub check pick at the office of the temp employment office. 
- At emergency case the service carry a fee when the card does not work such as it is not recognize the card.
Consumer complaint received 2020-09-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America set a notice to our home in Florida on XXXX XX/XX/XXXX that we were required to provide proof of insurance. Due to COVID-19, we were not at our home and a second notice was sent on XXXX XX/XX/XXXX. Bank of America made no attempt to reach out to the insurance agent on file or reach out to us via email ( on file ) or by posting a message to our online banking account. Both XXXX XXXX  and XXXX XXXX letters referenced that the coverage period in question was XXXX to XXXX XX/XX/XXXX ( the previous year 's insurance which was already on file - policy covers XXXX XX/XX/XXXX to XXXX XX/XX/XXXX. New policy in effect covers XXXX XX/XX/XXXX to XXXX XX/XX/XXXX ). 
On XXXX XX/XX/XXXX, Bank of America issued another letter that we had 60 days to provide proof of insurance and the new dates of concern were XXXX XX/XX/XXXX through XXXX XX/XX/XXXX. Our insurance agent was contacted and a request for the declaration page was addressed. On XXXX XXXX, I uploaded to Ihaveinsurance.com/BankofAmerica per the notices we received. I confirmed on XXXX XXXX that the new policy was available to view. The previous year 's policy was already there which covered the XXXX XX/XX/XXXX to XXXX XX/XX/XXXX period. We provided the XXXX XX/XX/XXXX to XXXX XX/XX/XXXX insurance declaration page. Our policy will be renewed next XXXX so there is no reason to require insurance from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX as those dates will be included in the following year 's policy. I was able to confirm that the current policy was available to view on the online XXXX XXXX XXXX portal. I then received a copy of the lender placed insurance dated XXXX XXXX through XXXX XX/XX/XXXX and the cost was added to an escrow account on my mortgage for {$8000.00}. I have attempted to resolved this with numerous phone calls to Bank of America who then must go to the underwriter. I spoke to XXXX on XXXX XXXX and he sent it back to the underwriter for a response within 10 days. On or about XXXX XXXX I spoke to a very helpful customer service rep who spoke to the underwriter and assured me this would be corrected within 10 business days. On or about XXXX XXXX I spoke to a customer service rep who could see the previous details but was not able to provide assistance as it was now in the hands of the underwriter. The have repeatedly said for over 2 months that they are reviewing the policies. Our monthly mortgage has been increased to cover for lender placed insurance. This property now has two effective insurance policies in place for the same property covering the same time periods. We can not figure out how the dates of XXXX XXXX have come into place as none of our current policies have an expiration date of XXXX XXXX. Bank of America has made no attempt to correct their error. We have been account holders for over 20 years.
Consumer complaint received 2022-07-20
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo claims that they report my payment, remaining loans to all the major credit reporting agencies but I never see it in XXXX, XXXX or XXXX. 
I have reached out to XXXX and Wells Fargo. XXXX and XXXX are unreachable. When I use my information to create an account it does not work.
Consumer complaint received 2018-07-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (WA)

They claim they say due is {$1900.00} when in fact it was $ XXXX.I have  sent them a copy of court ruling signed by a judge here in XXXX county Washington stating so.The {$670.00} was paid to the owner of the property in Question.
Consumer complaint received 2018-07-26
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. (FL)

I checked my credit report today, XX/XX/2018 and noticed that the XXXX XXXX  account is incorrectly reporting and now the balance owed is different from what I was told via phone. I spoke with XXXX XXXX credit card department on XX/XX/2018 to discuss pay for delete for the delinquent account XXXX. The Credit and Collections representative stated the account will be deleted from all credit reports because the balance was paid in full. I have attached the email receipt from XXXX XXXX for payment.
Consumer complaint received 2020-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I used Capital One 's VentureOne to transfer XXXX miles to XXXX XXXX XXXX on XX/XX/2020. The transfer should be instant but the website does say it might take up to 24 hours. 3 days later and the miles have not shown up in my Aeroplan account. I've called the customer service line multiple times but they do not understand and either can not or will not remedy the situation. As it stand, I am out XXXX miles currently.
Consumer complaint received 2022-04-27
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. (FL)

INQUIRY AND DATES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-27
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)

INQUIRY AND DATES XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX