davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Since XX/XX/XXXX And More reported update With the XXXX XXXX XXXX XXXX I have phoned each incident To FTC and IRS and the 3 credit reporting bureaus All police reports copies of Wrong placed bills in my name All my properties were stolen XX/XX/XXXX And still in court trying to get corrected It is affecting my right to purchase a home Effecting my work employability And effecting my name- incorrectly Fraudulent use of my name Bank Accts etc ....

Fraud and crime noted thru Police depts and state officials ( I also have a Bankruptcy which should have been cleared and removedXX/XX/XXXX And should no longer be visible thru my credit report Sta. U.
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2019-03-07
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. (FL)

XXXX XXXX XXXX XXXX reports an open tradeline with payments iao {$1300.00} and balance {$170000.00}. I am joint on the promissory note for this loan and quit claimed my interest to the co-applicant. I also included the promissory note in a chapter XXXX filing that has discharged since XX/XX/2015 ( case XXXX ). I understand that divorce decrees do not supercede the actual debt, however the debt was fully discharged in the Chapter XXXX and therefore this should be credit suppressed and all delinquencies reported since the discharge should be deleted and the balance should reflect {$0.00} discharged in the chapter XXXX.
Consumer complaint received 2019-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX reports an open tradeline with payments iao {$1300.00} and balance {$170000.00}. I am joint on the promissory note for this loan and quit claimed my interest to the co-applicant. I also included the promissory note in a chapter 7 filing that has discharged since  XX/XX/2015 ( case XXXX ). I understand that divorce decrees do not supercede the actual debt, however the debt was fully discharged in the Chapter 7 and therefore this should be credit suppressed and all delinquencies reported since the discharge should be deleted and the balance should reflect {$0.00} discharged in the chapter 7.
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2020-11-25
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. (TX)

Good afternoon, My name is XXXX XXXX XXXX and I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Consumer complaint received 2018-06-06
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: Experian Information Solutions Inc. (OR)

I have been dealing with this company that is in violation of Hippa laws, constitutional rights, and contract laws. I have asked them to remove old information, inaccurate and non-valid accounts from my report. The most recent letter i sent to them was on XX/XX/18. I asked them about hard inquiries from companies i never done business with. I have collections for companies i have never done business with. I have accounts that have been closed or consolidated that still show open or payment history. I have phone numbers and addresses that i have never been associated with.
Consumer complaint received 2022-02-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (OR)

We paid {$850.00} for an appraisal at the requirement of PHH Mortgage. We have received no copy of the appraisal. Our loan was denied on the basis of the appraisal but I don't even know exactly why because I do not have a copy of said appraisal an PHH will not give us any details. The appraiser left no card or information, so I can't contact the appraiser. I can not get anyone at PHH Mortgage to return my messages. I can no longer get into the loan application portal. I have had foundation engineers out to look at our house and they find it structurally sound and said it does not need further work. I can only guess at the reason for the rejection because I have not seen any documents or had anyone return my calls or messages or e-mails.
Consumer complaint received 2019-03-07
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)

XXXX XXXX XXXX XXXX reports an open tradeline with payments iao {$1300.00} and balance {$170000.00}. I am joint on the promissory note for this loan and quit claimed my interest to the co-applicant. I also included the promissory note in a chapter XXXX filing that has discharged since XX/XX/2015 ( case XXXX ). I understand that divorce decrees do not supercede the actual debt, however the debt was fully discharged in the Chapter XXXX and therefore this should be credit suppressed and all delinquencies reported since the discharge should be deleted and the balance should reflect {$0.00} discharged in the chapter XXXX.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

On XXXX, XXXX I sent XXXX a letter of dispute making the company aware that there are addresses on my consumer report that do not belong to me and I would like them removed. Because XXXX sells data my identity is compromised every time they provide these false addresses to anyone trying to contact me. This violates the BREACH OF PRIVACY LAW as well as THE PRIVACY ACT OF XXXX LAW. Instead of XXXX removing the errors they updated the address which further violates my federal consumer rights. My legal and only address is XXXX XXXX XXXX XXXXXXXX XXXX, XXXX NC XXXX. The addresses that follow do not belong to me XXXX XXXX CT, XXXX, NC XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 
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Consumer complaint received 2019-03-07
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Fair Financial Corp. (CA)

Hello, I contracted with a company named " Fair '' to acquire a short term lease to acquire a car to use for work.

I should have realized not to do business with this company after they ran separate hard credit checks inquiries simply because the car I wanted ( and they promised was ready ) was unavailable and I needed to get a different car.

I picked up the car, which was misrepresented by the company in the ad, with pertinent damage the exterior and interior with major stains on the cloth interior. The payments were automatically billed against a credit card, however after a few weeks, FAIR began billing each of my two cards {$220.00} per week even after I unsaved my credit card information. 

Attempting to contact them, in the month of XX/XX/2018, I was required to wait 45 minutes for a human representative who would put me on hold again for a supervisor, who were always conveniently " Not available ''.

When I attempted to return the car, the company did not show up & on the agreed upon date and did not call. Fair continued to bill me after my pickup date because the car " did not get returned ''. I have a copy of a signed document showing the car was picked up on the XX/XX/XXXXhowever, a bill on the XXXX. Yet the Fair representative picking up the car insisted I was not allowed to have a copy of the pickup receipt, which I found incredibly inappropriate. However I was so desperate to end their overbilling, I was afraid of giving them any more reasons to say " The car wasnt pick up yet '' and continue to overbill instead of acknowledge their failure to use vendors who do not give out receipts. 

I was overbilled to the sum of {$1100.00} over the 3 months I was using the car for work, and I received threatening form letters however I can not for the life of me get a supervisor on the phone to actually fix their mistake. 

I have sent multiple emails and attempted to call their office but I have gone ignored once the person insists its going to a supervisor, but the issue is clear : there isn't anyone with the necessary authority who is available to their customers, after they sign on the dotted line.
Consumer complaint received 2019-03-07
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)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you  are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX 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, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX, Please remove the following Phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2018-01-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc. (MI)

On XX/XX/XXXX I got an e-mail from Coinbase stating my withdrawal limit for my XXXX account was denied. As I tried to log into my XXXX account it showed my account had been temporarily disabled and that I should contact Coinbase. I called Coinbase and told them my XXXX is temporarily disabled and I can not access the XXXX worth of cryptocurrency I own on that site. They gave me a reference number and told me it may take up to 4-5 business days to fix the problem. 

On XX/XX/XXXX, I logged onto my Coinbase account and was prompted by a page stating I owe XXXX USD in order to gain access to buy/sell/send my cryptocurrency I had on my Coinbase. I never purchased anything with a credit card on my account for that much to begin with. However, I paid the amount and called Coinbase to remove the hold from my account. They then said they would escalate my previous ticket and add I paid the amount owed. Then on XX/XX/XXXX I logged onto my Coinbase account and noticed XXXX Bitcoin ( valued XXXX USD ) was sent to Coinbase without my knowledge. I called Coinbase to discuss the transaction and they told me I owed an additional XXXX USD and they only take cryptocurrency as payments after the fact I already paid them XXXX dollars on XX/XX/XXXX. They told me they do not return cryptocurrency once its taken from the account. So Coinbase ended up taking a total of XXXX USD from me for no reason. I have only spent XXXX USD on Coinbase using my own bank account. There are no reversal charges made on my bank account. I currently can not access my XXXX worth of cryptocurrency on XXXX because of all these claims stating I owe Coinbase money which I never purchased on Coinbase. Everytime I call Coinbase they state they will grant me access back to my XXXX account and full access to my Coinbase account within 2 business days but nothing ever gets done and they keep charging more money than I have ever spent on Coinbase.
Consumer complaint received 2018-01-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (OK)

i called about my mortgage settlement today and was told there was no settlement information available and to check on-line for news updates. After reviewing 22 pages of CFPB press releases/ reports, I found no information about the Flagstar settlement. 

I received a check in XX/XX/ 2017 as part of a settlement. I received a check previously as part of a settlement with Flagstar. I have received any further correspondence as a final or conclusion of the settlement. 

I have received about XXXX, so far. 

The phone number for the Payment Administrator is no longer in service. 

The assistant at CFPB was not helpful. 

Can I have an address, phone number or email address to get information of this matter?
Consumer complaint received 2019-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX 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, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX, Please remove the following Phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2017-11-17
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX, I mailed a certified handwritten letter to Equifax ( tracking # XXXX ), XXXX ( tracking # - XXXX ), and XXXX ( tracking # XXXX ) requesting verifiable proof of the following accounts on my credit reports. 
Acct # XXXX, reported by XXXX XXXX XXXX, unverified late payments Acct # XXXX, reported by XXXX, unverified late payments Acct # XXXX, reported by XXXX XXXX, unverified late payments On XX/XX/XXXX, XXXX replied to my dispute however they did not provide me with the verifiable proof I was requesting ( copy is attached ). On XX/XX/XXXX, Equifax  and XXXX replied to my dispute however they did not provide me with the verifiable proof I was requesting ( copies are attached ). According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Im requesting Equifax, XXXX, and XXXX to remove the accounts listed above since they are unable to provide me a copy of verifiable proof.
Consumer complaint received 2021-02-20
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. (NJ)

I would like all of the information removed/updated from my credit report that I requested in my dispute letter dated XX/XX/2021. I followed up with a demand and comply letter on XX/XX/2021. Due to me not hearing anything back from XXXX, Equifax, and XXXX in the 30 days that is required for me to get a response. I am not asking that all three credit bureau 's update my credit report as per my original request.
Consumer complaint received 2016-07-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (AL)

Hello. I have XXXX accounts with Nelnet, each reporting XXXX lates to the credit bureaus. I also have several accounts with XXXX. XXXX is reporting my past deferments correctly, with no lates. I have spoken to Nelnet, but they will not not remove the lates, though I thought my loans had been in deferment, and XXXX is again, reporting the past years correctly. Additionally, my father served 4 years in the XXXX, but I have been charged interest on my Nelnet loans. I would like the interest accrued adjusted and the lates removed. I am not happy with the service I have received with Nelnet, but have had no problems with XXXX. Thank you.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2020-04-26
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: Experian Information Solutions Inc. (MD)

Someone obtained my social security information along with my date of birth and opened up the following credit cards and financial accounts : XXXX XXXX XXXX - {$4100.00} XXXX XXXX XXXX - {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$370.00} XXXX XXXX  ( Both accounts )
Consumer complaint received 2021-09-10
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. (GA)

XXXX XXXX XXXX XX/XX/XXXX Credit Bureau XXXX XX/XX/XXXX XXXX and XXXX XX/XX/XXXX XXXX and XXXX XX/XX/XXXX XXXX and XXXX XX/XX/XXXX XXXX and XXXX  XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX
Consumer complaint received 2018-01-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (GA)

Listed an account with XXXX on credit report with open date of XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   and XXXX with balance of XXXX. This is in accurate information the company Convergent purchased the debt after it was discharged off report AND CHANGED the dates to put back on report as if just opened. I have contacted debt agency regarding this to no success. This is illegal to change the dates and amounts.
Consumer complaint received 2019-03-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bushwood Capital Group, Inc. (KS)

I received several calls from Bushwood Capital Group at my place of employment. They first called the office that I worked at 8 years ago and as I still work for the same company, they were provided my most recent work phone number. They have called multiple times with the most recent being XX/XX/19 at XXXX CST. They are claiming that I owe {$100.00} to the Colorado Department of Transportation. They told me if I give them my card number, they will stop calling. They told me that they will continue to call every 48 hours until it is taken care of. I ran a credit report today and show no record of what they claim I owe nor does it show the creditor that they claim that I owe. When I have tried to call the number back, it goes to a voicemail that says a name of XXXX XXXX? which is different than the person that is identifying himself as supposedly XXXX XXXX. 

As my credit report is clean, I find it hard to believe that 8 years later, this is the first I am hearing about a so called debt. This is why I believe this to be a scam.