davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-11
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: Credit Central Holdings, LLC (TX)

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Consumer complaint received 2021-06-01
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. (GA)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2020-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

I booked some flight tickets in XXXX using my HSBC credit card for travelling in XXXX. I paid the credit card bill before the due date. Due to COVID, flight got cancelled and airline declined to refund the amount I paid. I raised a dispute with HSBC and they refunded the money in my credit card account in XXXX which resulted into a big surplus balance ( more than USD XXXX ) in my credit card account. I started using that balance by using that card for all my shoppings and other expenses. Till XXXX XXXX, I could use more than USD XXXX. I still had around XXXX XXXX surplus balance left in the account. After few days, when I checked the balance, I found that balance was nil. I called HSBC customer service and found that they issued a check for the balance amount without asking me and they dispatched it through mail. When I called them after few days to inform that I hadn't received that cheque and I wanted the tracking details, they said they can provide tracking details only after 14 working days from the date of dispatch. I waited for 14 working days and then they said they don't have any tracking details since it was sent through ordinary mail. 
I waited till XXXX XXXX and then called them again and asked them to issue a new cheque, dispatch it through XXXX or XXXX and share the tracking details. They said they will act on it and will share the tracking details by XXXX XXXX. I called them on XXXX XXXX, they didn't have any update. I called them on XXXX XXXX, and they still don't have any update. So after wasting a lot of my time and efforts I don't have any cheque or any money in my hand without any responsibility being accepted by HSBC for the mess they created.
Consumer complaint received 2022-04-28
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)

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2020-09-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC (NV)

On Friday XX/XX/2020 I called Asset Care to dispute a debt because it appears as though there was a mistake made by the original creditor and it is currently being collected on by two different collection companies. The second collection company advised that I dispute both accounts so that both of the companies and I are able to get all of the information regarding the services so that I can get everything straightened out. On Tuesday XX/XX/2020 at XXXX XXXX Pacific Time, XXXX from Asset Care called me, early in the call I advised her that my account should be in dispute due to the situation. She advised me that the account had been disputed but she wanted to check on it. She then advised me that the account is due to start showing on my credit so it is her goal to get it taken care of. This is unfair to me for two reasons, 1. I don't know which company has the correct account and 2. I should not be receiving phone calls to collect on a debt that is dispute status.
Consumer complaint received 2020-11-23
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: EQUIFAX, INC. (CA)

I have been going back and forth with Equifax for over 2 months now. I have mailed them my Police Report, my FTC Identity Theft Report and my identifying documents as they requested. I have called and submitted disputes on. XX/XX/20, XX/XX/20 and today XX/XX/20. I was finally able to get some results on XX/XX/20 they deleted 3 of the fraudulent inquiries from my credit report but there are still 8 fraudulent inquiries currently being reported. This is a violation of the Fair Credit Reporting Act Sections 605B, 615 ( F ), 623 ( A ) ( 6 ). I want these inquiries removed immediately this has been completely frustrating dealing with this credit bureau and this has stopped me from getting approved for a mortgage and stopping me and my family from purchasing our home which is unacceptable.
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are 15 accounts on my credit report that do not belong to me I have tried disputing this with the bureaus to no avail they will not help me I have tried reaching out to the furnishers with the contact information on my credit report and they are not getting back to me I need help to remove these from my credit report since they do not belong to me in any way!!! 

Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX CARD Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

The following accounts are not mines, they have been fraudulently placed upon me every since my identity has been compromised. Now these same unauthorized accounts are in ligation. I'm demanding that these accounts be removed immediately. 

1. XXXX XXXX XXXX {$240.00} 2. XXXX XXXX XXXX {$750.00} XXXX. XXXX XXXX XXXX {$250.00} 4. XXXX XXXX 5. XXXX XXXX XXXX XXXX {$6400.00}
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

There are 15 accounts on my credit report that do not belong to me I have tried disputing this with the bureaus to no avail they will not help me I have tried reaching out to the furnishers with the contact information on my credit report and they are not getting back to me I need help to remove these from my credit report since they do not belong to me in any way!!! 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX CARD Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I called to inform the credit reporting agency that there were inquiries appearing on my credit report as a result of the TransUnion inquiry issue that was incorrect and should be removed. The agent said he couldnt assist me with this despite it being an error on their part.
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I don't know how to go about getting this corrected so I was told to file a complaint if things on my credit were incorrect. My name is XXXX XXXX XXXX XXXX live at XXXX XXXX XXXX XXXX OHIO XXXX. My DOB XXXX My SS # XXXX. I found an incorrect spelling of my name ( XXXX XXXX ) not name please delete it. I was looking further into my file I found addresses that I never lived at. Please delete the following unknown addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX PL XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2018-03-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

Regarding Paypal , Inc . 

On XX/XX/2017, two colleagues transferred funds to me to pay for a gift for our boss. One person had an XXXX name, the other an XXXX ( XXXX ) name and the funds were for a XXXX gift. The company processed and disbursed the funds from the XXXX co-worker but confiscated the funds from the Christian-named coworker. 

The company website states that " pending '' funds will be available in 21 days. I waited this time but nothing happened. I began calling, but none of the representatives were able to help and/or were instructed not to help. I continued calling, but nothing. 

The company has clearly violated my rights by choosing ethnicities from which to confiscate funds. In addition, they have borrowed from me without authorization. 

I would like a full explanation of what happened and why they refused to resolve this transaction in a timely manner. Also, they should make me whole for the confiscation and unauthrized borrowing of my funds and the banking problems this resulted in. 

The company should be more transparent they at times they borrow funds from your account for lengthy periods of time without your authorization. 

Lastly, the company should be more clear on their website and materials as to which races and ethnicities they apply different standards to. Please make public how the treatment is different for people based on their name and perceived religion and background.
Consumer complaint received 2021-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

Reference : XXXX XXXX XXXX Experian Report No. : XXXX Dated XXXX To : Experian, XXXX XXXX XXXX, XXXX, Texas XXXX Your report states This address may be perceived as high risk since it is a non-residential address:XXXX XXXX XXXX XXXX XXXX , FL XXXX Per attached Official XXXX County Office of the Property Appraiser Detailed Report the property is RESIDENTIAL SINGLE FAMILY : 1 UNIT As anyone who lives or visits XXXX Florida knows well XXXX XXXX XXXX and immediate area in XXXX XXXX is not just residential but one of the most exclusive and expensive residential areas in Florida. 
PLEASE CORRECT THE RECORD AND DELETE THE FALSEAND SPURIOUS DEROGATORY INFORMATION FROM YOUR REPORT
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I was a victim of identity fraud. I filed a police report and was told all bureaus would remove the trade-line. As of today only XXXX XXXX has removed the account. I am in the middle of buying a home and this will effect my loan amount and the rate! 
CREDITOR - ALERT! XXXX XXXX XXXX OF XXXX DATE OPENED XXXX LAST XXXX REPORTED XXXX ACCOUNT TYPE Installment XXXX XXXX. 
HIGH CREDIT XXXX BALANCE XXXX PAST DUE AMOUNT XXXX CURRENT RATING XXXX DATE LAST ACTIVE XXXX PAY PATTERN XXXX XXXX PAY PATTERN START DATE XXXX ADVERSE DATES XXXX XXXX XXXX XXXX XXXX SOURCE XPN EFX MONTHLY PAYMENT TERMS 72 MONTHLY MONTHS REVIEWED XXXX XXXX LOAN TYPE : Automobile HIT LEVEL : XXXX XXXX COMMENTS : ACCOUNT DELINQUENT 180 DAYS PAST DUE DATE ; LAST REPORTED DELINQUENCIES : XXXX ; DATE FIRST MAJOR DELINQUENCY REPORTED : XX/XX/2018 ; FIXED RATE ; CHARGED OFF ACCOUNT ; UNPAID BALANCE REPORTED AS A LOSS BY CREDIT GRANTOR ; TRANSFERRED TO RECOVERY ; ADVERSE DATES LEGEND : R=MOST RECENT H=HIGHEST P=PRIOR
Consumer complaint received 2018-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

This is a two part complaint ... one the credit reporting agencies such as XXXX XXXX, XXXX XXXX are reporting short credit history which is not showing the positive paid off credit history that should be on record at least 7 years. Improper reporting of employment and reporting higher scores than a mortgage lender. On XX/XX/XXXX scores reporting XXXX XXXX, XXXX XXXX XXXX, equifax XXXX. Just after a 20 pt drop from ( XX/XX/XXXX part 2 complaint ) The mortgage company showed scores based on their scoring model as XXXX, XXXX, XXXX XXXX, equifax XXXX. I was stunned and shocked how completely different this was which you know what happens to people who are trying to buy a home. Not a very good outcome. I worked very hard with little positive information reported to my credit score ... now onto part two. Last year XX/XX/XXXX ' created a hospital debt over medical..the remaining balance was {$1400.00}. This was sent into collections XX/XX/XXXX and reported to equifax. I started making payment beginning XXXX to XX/XX/XXXX ( now paid off ) since I made a payment it was reported again and dropped score over 20 pts transunion reported on XX/XX/XXXX score XXXX a few days before my wife and I were to meet a mortgage lender needless to say this was the most stressful time to watch everything fall apart.
Consumer complaint received 2022-04-28
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: MARINER FINANCE, LLC (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

XXXX
Consumer complaint received 2020-11-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (CA)

on friday XX/XX/XXXX i called my mortgage servicer Selene Finance regarding the documents i emailed to them. They were not able to see the documents and asked me to send again. i sent XX/XX/XXXX and XX/XX/XXXX, I have my emails where i can see what i can send. I am unable to get a hold of anyone and when i do request a callback i do not get one, I had requested a loan modification back in XX/XX/XXXX and didn't get an answer from the company till Mid XXXX. The company says they have received the documents but unable to see the last email. They have since closed my file with no notification, even though i have been in constant contact with my company. Today i have once again sent them all the documents again. The representative i spoke to on XX/XX/XXXXXX/XX/XXXX read a statement that someone had put on my file saying i did not need any further assistance and that covid had not been affecting my household anymore. I asked her where did she get that information. She advised me someone that calls customers posted it. She and I agreed that this information should of not been put in my file. She asked her supervisor and he said file could not be reoppened and i had to resubmit my application once again. They had started on Foreclosure even though we have a Moratorium in place.
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have been request couple of times to remove unverified accounts from closed my account of my credit report with EXPERIAN. Please consider these matters and the account information that needs to be deleted immediately upon your investigation as soon as possible. 
The List of Urgent Disputing Item is as follow ( in the order of listed on my credit file with Experian, XXXX XXXX, XXXX ) Please remove the following item as soon as possible entirely. 
XXXX XXXX -Account # XXXX Opened XX/XX/2018 With Credit Limit of {$40000.00} - This is not my closed account on my credit file.Please remove this information from my credit report that you maintain under my social security number and according to section 605B of the Fair Credit Report act, send the required notifications to all parties involved for this matter
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

I filed chapter XXXX Bankruptcy on XXXX, XXXX 2021 my bankruptcy was discharged with a XXXX balance. In my Bankruptcy these creditors were added. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, I've notified all three credit bureaus. All accounts where discharged with XXXX balance owed. However, Experian is still showing all the accounts as, negative with past due payment history. According to the FCRA DEBT that is discharged in Bankruptcy should show XXXX balance, discharged in Bankruptcy. If anything else appears on the tradeline especially if it is derogatory information, then that violates FCRA. FCRA mandates that that I disputes this with the credit reporting agency as, they are not accurately reporting. I have disputed this directly with Experian, and they have not corrected the issue they have made the issue worse by putting a statement in each severally account stating those accounts were terminated, when they were not. The accounts above are all reporting negatively on my credit report such as, late payments balances. Its hard enough having to fil bankruptcy due to covid-19, that has caused a XXXX XXXX XXXX XXXX. But to not report correctly has caused me not not be able to get some treatment because lenders are looking at past due payments, and balances which should have been gone through bankruptcy.
Consumer complaint received 2020-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICA FIRST FEDERAL CREDIT UNION (NV)

America First Credit Union stated I opened two accounts with them. A loan and credit card. I had not. I asked them to send me original documents with my wet ink signature proving that I opened these accounts and gave authorization to pull my credit and I have not received them. I have requested six times for this information. They have not responded.
Consumer complaint received 2018-03-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TX)

A market order I submitted on XXXX to buy bitcoin cash in XX/XX/ 2017 executed at a {$6000.00} exchange rate. XXXX closed the order books two minutes after opening them due to lack of liquidity ( in that case they shouldn't have been opened in the first place ). XXXX/Coinbase retroactively modified their charts to remove evidence that bitcoin cash was ever valued at {$6000.00}. 

This trade cost me an estimated {$1500.00} loss.