davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-12
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. (CA)

On XX/XX/XXXX, I mailed Equifax an identity theft affidavit, police report and other documents to 1 ) verify my identity and 2 ) address fraud that was found on my report. 

Disputes were opened. 2 accounts were not removed even though they were listed on my report. 

I contacted Equifax and informed them the police department had done and that the FCRA required them to remove and block the account within 4 business days. I spoke to a supervisor. The conversation was moving along fine until I questioned why those accounts were not removed. She explained a 30 day dispute process, to which I explained that I had already waited 30 days. I am currently in the process of buying a home and that account was not mine. She said she would submit ANOTHER dispute that would take AN ADDITIONAL 30 days. I explained that was not correct and I did not have an additional 30 days. When she seemed bothered by my questioning, I explained maam this isnt personal. I just have a home I have literally saved 5 years for thats depending on this. Its nothing against you. 

Her EXACT response : Im not upset, Im Chillen! 

Then proceeded to put me on hold for 5-10 more minutes and transfer me into a dead end line. 

This is completely unacceptable and I know my rights under the FCRA. I expect those laws to be adhered to.
Consumer complaint received 2020-06-04
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)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In Accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX Account # 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 2 : It also states a consumer Reporting agency can not furnish account without my written instruction.
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

After pulling a copy of my credit report i notice that the credit bureau is reporting inaccurate outdated information on my credit report and i had requested that this information be updated and fixed but my request has remained ignored.
Consumer complaint received 2024-02-26
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. (PA)

In accordance to the Fair Credit Report act XXXX Account # 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 states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-09-17
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)

id theft victim. i have been fighting for years to keep these bad accounts off my reports. these are the accounts as follows. i have also attached a id theft report XXXX XXXX  / XXXX XXXX XXXX XXXX not my account XXXX XXXX XXXX XXXX not my account Public record bankruptcy is not my account
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Credit Karma (FL)

Re : Letter to Remove Inaccurate Credit. Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : XXXXXXXX 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 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I got divorced and a bank kept me on the loan for my ex-wifes house, even though the divorce attorney said I am not responsible for this loan any more. She was in a transaction of selling her house and in the process was late on payment, while she waited for the transaction to close. So all 3 credit reports of mine showed up as I paid a mortgage late. My divorce papers show Im not responsible, and the home is paid off and sold now, yet my credit score has dropped considerably, by one late payment while the selling of this home was happening. I need help.
Consumer complaint received 2022-01-10
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have previously written letters to notify you ( Capital One ) ( XXXX ) ( XXXX ) ( XXXX XXXX ) of the innaccurate and unvalidated information. 
I recently received a copy of my ( XXXX, XXXX, XXXX XXXX ) consumer reports, and I noticed accounts reporting that are a violation of my rights. 

AS A FEDERALLY PROTECTED CONSUMER ; AS MY CONSUMER REMEDY FOR THESE WILLFUL AND NON-COMPLIANT VIOLATIONS. I DEMAND THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY. 

Capital One Credit Card Acct # XXXX Consumer Reports Reporting as Closed Account Pursuant to 15 USC 1681 a ( 2 ) ( B ) Any 15 authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be Excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which states, The term Credit Card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice, Congress said ANY card. 

The credit card is my Social Security Card. This is the credit card used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ). I am demanding that you delete these transactions from my consumer report immediately as they are a violation of my rights as a federally protected consumer under Title 15 Chapter 41.
Consumer complaint received 2021-08-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

COINBASE. 

I have been using this app to trade with virtual currency and after using it for several months this message appeared suddenly : " YOUR ACCOUNT IS CURRENTLY BEING REVIEWED AND WE NEED SOME TIME TO VERIFY YOUR INFO. DURING THIS REVIEW, YOU WON'T BE ABLE TO USE COINBASE. REVIEWS GENERALLY TAKE A FEW DAYS, SO SIGN IN EVERY DAY OR TWO TO CHECK YOUR STATUS '' It has been over three months ( not just a few days ) that i havent been able to use my account therefore I can not get my money back because my account is always being reviewed.

This company, COINBASE, is reviwing my account after it had already been verified and properly working, so now I do not have access to my money.

Do please help me to get my money back because they are my savings. If I can not use the app I should be able to get back my money so please I would very much appreciate your help.
Consumer complaint received 2022-04-08
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX # 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 : It also states that a consumer reporting agency can not furnish a account without my written Instruction.
Consumer complaint received 2019-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems (PA)

I had 2 accounts with XXXX XXXX that were over drawn and sent to collection. It took me some time, but eventually I settled on both debts. I and family members continue to receive phone calls about the debts from numerous agencies. The most recent agency is calling from XXXX-XXXX-XXXX. It took me approximately 2 weeks of 20 or so calls to actually reach someone on the other end of the line. Most times they would pick up and hang up almost immediately, or leave me on hold. The voicemail they have set up has been full each time I have called and not gotten through on hold. Today when speaking with them, the woman continually asked for me to provide the XXXX XXXX  account information. I declined and requested they provide an email address or fax for me to send the documentation I have to show the debts are paid. She disconnected the call. After I called back, she advised that she would not entertain it and she was filing the paperwork to the court and again hung up on me. As you can see from my documents, I have settled both debts.
Consumer complaint received 2019-03-12
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: Experian Information Solutions Inc. (NY)

I filed complaints about the misuse of my personal information to local authorities. I also contacted the FTC and complained. I was issued an FTC Report # XXXX The following accounts must be removed from my credit report because it is fraud. 
XXXX XXXX ( 2 Accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-10
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: EQUIFAX, INC. (OH)

While looking at my consumer report, I see that Equifax placed two accounts on my report without my acknowledgement. Can you help me resolve this? 

XXXX CARD # XXXX XXXX XXXX  # XXXX Attached is my ID and Passport
Consumer complaint received 2020-07-23
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Texas Guaranteed (FL)

I would like to report a student loan collection agency is not reporting on my credit report correctly. The agency name is TG Trellis. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. Per the cares act they aren't suppose to report deliquency on non payment student loans. From XXXX XX/XX/XXXX. How ever they still are reporting. Even Though I contacted them by e-mail. They still refuse to correct this on credit report. 

The second mistake they are reporting is they delete my balance and then re-add it every month so it appears to look like a new account which does more damage to the score. Do the decrease balance of {$3200.00} and then add balance right back on. Likes like new deliquency.I ask then to correct and also reported to credit bureaus and corrections are not made. I would like an investigation in this matter please. My name is. XXXX XXXX
Consumer complaint received 2019-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (WA)

The information regarding my employment with the United States XXXX ( XXXX ) is incorrect. I've been employed with the XXXX since XX/XX/XXXX. This information can be seen and verified on my Leave and Earnings Statement ( LES ) the Military equivalent of a pay stub. On my credit report recieved by Equifax it is listed that I have no Employment information and on my report received by XXXX it is reported that I have been employed by the XXXX since XX/XX/XXXX.
Consumer complaint received 2019-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MI)

I have a debt collection for an account on my credit that is not mines. I have no knowledge of this debt nor where it originated from. I do not recognize the details stated about the account. I have reason to believe that someone may have obtained my info and used it without my permission.
Consumer complaint received 2021-08-11
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Acknowledge Debt Resolutions (SC)

This company ADR ( XXXX-XXXX-XXXX  ), continues to call my home phone and our cell phone at least 15 to 20 times a day. They states that they are trying to get in touch with someone that doesn't reside here. I told them that they have the wrong number by they continues to harrass us everyday all day.
Consumer complaint received 2019-03-12
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: Experian Information Solutions Inc. (LA)

I am a XXXX employee ( XXXX ) that was affected by the XXXX XXXX from XXXX. On XX/XX/XXXX I contacted my mortgage company, XXXX servicing loans to inquire about any forbearance options that they may be offering XXXX XXXX because I didn't have the resources at that time to pay XXXX mortgage. I figured that I was still within 30 days before any negative reporting to the credit bureau so let me call to see what options I may have. The representative informed me that they are offering a 3 month payment plan for XXXX  XXXX. She went on to inform me that due to it being a Friday, my forbearance would be processed on XX/XX/XXXX. So on XX/XX/XXXX the mortgage company called me seeking payment. I explained to him that I should be in forbearance. He looked through the system and confirmed that he saw that I was in forbearance. On XX/XX/XXXX XXXXXXXX XXXX delinquency hit my credit report. At this point I am livid because I spoke with two reps who assured me that I was in forbearance until the end of XXXX. So I called XXXX on XX/XX/XXXX and the case worker stated " Oh yea you need to write us a letter indicating the amount that you agree to pay and sign and date it ''. This was the first time I ever heard of that. Had the representative on XX/XX/XXXX and XX/XX/XXXX informed me of this, I would have taken care of that. To summarize my issue, there were several occasions that the company failed to provide accurate information. The information provided was misleading and misinforming, but I am the only one that is being affected by their errors. I contacted XXXX escalation dept. on XX/XX/XXXX and explained the issue. He stated that he will pull the call and if the rep did provide inaccurate information he will have the negative credit reporting reversed. He informed me that he would contact me within 48 business hours. It is now about 55 business hours and I still haven't received a call. If you are able to review my credit reports you can see that this is the only company I have had issues with. I have a car loan, unsecured loan, student loans, and several credit cards and none of these accounts have ever reported me as being late/delinquent. Prior to this issue, my credit score was around XXXX. Since then it has dropped to XXXX. I am requesting that the XXXX delinquency be reversed and any months following until the forbearance/90 day payment plan is over.
Consumer complaint received 2019-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I continually get offers from Capital One. I have, twice, called XXXX to opt-out of receiving these solicitations to NO avail. I have called Capital One and was told I would NOT be getting any more offers. I was even asked why. Why? 25 % interest is exorbitant. I have XXXX at 17 %. I am so tired of getting these offers at my home address and at my post office box. THEY WILL NOT STOP THESE UNSOLICITED MAILINGS.
Consumer complaint received 2020-01-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

To whom it may concern, The file was originally submitted to Shellpoint mortgage back on XX/XX/XXXX and deemed complete and with underwriting pending a decision as of XX/XX/XXXX. The 10 day delay was due to waiting on the appraisal of the home ordered by the servicer. On XX/XX/XXXX the file was denied due to debt to income ratio but per my conversation with the assigned SPOC on the file XXXX XXXX the denial was so vague we submitted an escalation of the file to someone higher to get more information from the investor. We did not receive a response from the investor until XX/XX/XXXX in which they stated the following. The servicer used limited expenses not all of them were used in the review and the payment would have increased to XXXX a month if it was approved but it was denied due to NPV not income or DTI and stated they declined it after they looked at the fact there was a small amount of equity and also the amount of delinquency and the length of the delinquency. We requested at this time a payoff on XX/XX/XXXX and one was ordered because there was also a huge discrepancy in the amount owed by the client and per the SPOC they were charging the client future interest at the time of default. We did not receive the payoff until XX/XX/XXXX and once we were in possession of this document we requested a copy of the mortgage note XX/XX/XXXX as well to confirm the investor was allowed per that agreement to charge interest on the loan the way they were and not the way it was agreed upon. We did not receive the note until XX/XX/XXXX and after reading the note it is evident that they are not adhering to the terms of the loan according and secondly per CFPB guidelines everyone is entitled to one modification for the life of the loan. WE have more than one mortgage statement which reflects different balances as the default amounts are significantly different and also brought this to the attention of the servicer the balances needed to be fixed immediately as this would drastically effect the outcome of any modifications that could be offered at this time. There has been nothing but constant delays and handling of this file from the very beginning
Consumer complaint received 2019-03-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

Consumer Financial Protection Agency E-mail XX/XX/XXXX Dear Sir, Madam, I have fallen behind in my credit and payments. USAA refuses to cooperate. Most of the firms with whom I owe, have awarded me hardship status and accept half-payments until I can sell my residence, my last asset. It is listed with a realtor and on the Internet under my street address. 
I will be XXXX next month. My wife is XXXX. We have reached our medical limit for working. I am lame  from XXXX XXXX in XX/XX/XXXX when I contracted XXXX. My XXXX  started XXXX  in the XX/XX/XXXX with XXXX XXXX. I had the first of 12 intrusive XXXX XXXX in XX/XX/XXXX. In that year, I started menial jobs at XXXX and security guard cites. In XX/XX/XXXX, I left the XXXX XXXX as they require staying outdoors for 12 hour shifts. In XXXX, that's often at 114 degrees. I self-educated to obtain an insurance license in XX/XX/2017. 
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. I could no longer work from my computer and retired from selling insurance. 
My total income is from our joint Social Security. I have gained hardship status from my other lenders, primarily XXXX and XXXX. USAA verbally agreed to accept {$30.00} a month. Nevertheless, they treat my payment as a partial payment and charge me a {$30.00} late fee. 
I respectfully ask that you review the matter and assist me in gaining a hardship status. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX