davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TransUnion is violating my consumer rights. TransUnion continues to report inaccurate, incomplete and unverified information of bankruptcy docket # XXXX on my file # XXXX. The court confirmed that they did not provide any information to credit reporting agencies, nor do they ever validate and/or verify public records. Transunion buying this inaccurate, incomplete, and unverified information from a third party does not absolve them from accountability. TransUnion 's noncompliance of 15 USC 1681i ( 5 ) ( A ) ( i ) states, " If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. '' TransUnion continues to violate this law as they have not deleted the information which constitutes willful noncompliance and is subject to civil liability for damages.
Consumer complaint received 2021-06-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. ()

I recently withdraw Bitcoins ( BTCs ) to be sent to my account on Coinbase on BTC address " whitelisted '' according my banks 's ( XXXX  ) procedure. 
- XXXX  requires crypto addresses to be whitelisted before allowing any transaction in/out of the bank - The whitelisting process requires a transfer of a small amount of cryptos from the source address ( Coinbase ) to a XXXX  predetermined address - I executed this transaction on Coinbase transferring the required little amount of BTC - After successful transfer of the above-mentioned small amount of BTC, XXXX properly whitelisted the Coinbase 's address used for the transaction - On XXXX, XXXX I submitted an order to XXXX, so to transfer my XXXXBTCs ( XXXX $ ) to Coinbase into the address generated by Coinbase and whitelisted by XXXX  My BTC never arrived at Coinbase ; asked for support, but still no answer received after several attempts to get one. 
Talking about XXXX $!
Consumer complaint received 2022-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (MO)

I had my account opened. I had gotten a settlement and several different deposits there was two or three main big with. Withdrawals I had my mom called and I was locked up in jail and when I got out they claim that my account has been closed and all the money has been used. Theres no way because I was in jail. Obviously Ive been fighting this for a year and a half now Im sick of it. I had another deposit that says that it went through. Theyre telling me it didnt and find out the bank is closed or went underneath some other name. they claim no records but I got my emails proof and my account had been transferred an now that account is not open
Consumer complaint received 2022-05-13
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. (GA)

In accordance with the Fair Credit Reporting Act - Equifax has violated my rights in regards to the following items they are reporting on my credit report.

1. XXXX XXXX XXXX XXXX  Account # : XXXX These are the laws passed by the US Congress that Equifax is in violation of : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
" MY PRIVACY HAS CLEARLY BEEN VIOLATED BY REPORTING REPORTING AND FURNISHING MY PRIVATE INFORMATION. THIS IS A CLEAR VIOLATION OF 15 U.S.C 1681 section 602 A.

15 U.S.C 1681 section 604 A Section 2. It states a consumer reporting agency can not furnish an account without written instructions from a consumer. 
" I DID NOT GIVE XXXX WRITTEN INSTRUCTIONS TO FURNISH ANY INFORMATION ABOUT ME '' THIS IS A CLEAR VIOLATION OF THE LAW 15 U.S.C 1681 Section 604a Section 2.

15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing
any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

NO ADVERSE INFORMATION OTHER THAN A CRIME CAN BE REPORTED BY XXXX. THIS IS A VIOLATION OF THE LAW 15 U.S.C 1681c. ( A )
Consumer complaint received 2022-10-24
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: Nav Technologies, Inc. (PA)

After submitting a dispute against XXXX XXXX XXXX XXXX stopped me from opening bank accounts in the US and refused to provide complaint numbers to address my consumer rights being compromised. End result, credit card companies have close Accounts and refused credit limit increases And lower APR as a result of defamation of my character.
Consumer complaint received 2022-10-24
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: Experian Information Solutions Inc. (PA)

After submitting a dispute against XXXX XXXX XXXX XXXX stopped me from opening bank accounts in the US and refused to provide complaint numbers to address my consumer rights being compromised. End result, credit card companies have close Accounts and refused credit limit increases And lower APR as a result of defamation of my character.
Consumer complaint received 2022-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (CO)

On XX/XX/2022 we were notified by U S Bank that they had closed our credit card with a high credit limit because we had not used the card in 12 months. We were very concerned about the impact on our credit rating. I called customer service and talked with XXXX ( sp? ). She told me that I had to send a letter to cardmember services to get the card reopened and the request had to reach them within 30 days of the account being closed. They closed the account on XX/XX/XXXX, I found out later. They would also pull a credit report ... a double hit to our credit rating. Next we went into the bank and talked to XXXX. He tried to help us but eventually he was told that we had to apply to reopen the card. Next we called customer service again and I talked with XXXX ( male ) and he read the account notes and said I needed a supervisor. After 5-10 minutes XXXX, a supervisor answered. She was intent on making sure that I didn't get a chance to talk much. She talked without taking a breath and would interrupt me when I finally tried to talk. I finally told her that I was going to report this experience to the CFPB and her name would be attached to my report. She said derisively that the report would be going to a different division and that she would never be found. This conversation happened at XXXX p.m. mountain time. One thing I was able to get out of her was that they really didn't have any interest in reopening the account. So I know that requesting the account be reopened would only harm our credit rating further. I made sure that everyone knew that we had been loyal customers for a long time and the account was closed by them and not because we had missed a payment or any other negative reason.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX I have previously contacted your company about this account XXXX XXXX  XXXX  with account # XXXX and this account was deleted from my file and did not show any more. I am writing because upon checking my account again, this account has been relisted and reasserted to my credit file and I was never notified of this being relisted with credit agencies. 

The Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. Under 15 USC 1681i ( B ) ( ii ) this is a violation of my rights and under TILA LAW this is a major violation. They are also violating my rights under Pursuant to 15 USC 1681b ( a ) ( 2 ) this company is reporting an account without my consent.

This collection being added to my file has hurt my report and I demand this account be removed and blocked from being reported. and under TILA VIOLATIONS I DEMAND VIOLATIONS PAYMENT OF {$5000.00} AND ACCOUNT REMOVAL ASAP.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

THIS IS THE 4TH TIME I HAVE REQUESTED EXPERIAN TO DELETE INCORRECT ADDRESS. EXPERIAN IS REFUSING TO DELETE THIS ADDRESS AND ALLOWING INCORRECT AND INACCURATE ADDRESS ON MY CREDIT FILE.
Consumer complaint received 2022-12-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation (KY)

I have contacted Bridgecrest several times about the status of my account with them. On 3 different reporting agencies, my account is reporting different information, 2 of which are reporting closed/charge-off accounts, and XXXX is reporting a higher balance of XXXX. I called Bridgecrest in XXXXXXXX XXXX XXXXXXXX, and inquired about the inaccuracies on my account the representative reported to me that that was inaccurate and that the actual balance was XXXX. If the account is reported as a charge off then the creditor has filed a XXXX / XXXX Cancelation of Debt with the IRS and has also sold the car back in XXXX and didn't send me written notice of the remaining balance of the loan. According to 15 U.S.C 1605 the Finance Charge is the Sum of all charges and I have paid that Finance charge and more to this account, and they have also charged off this account and are still trying to collect on the debt that has been canceled with the XXXXXXXX XXXX thus this debt is paid in full to Bridgecrest! Bridgecrest is unlawfully reporting to All three credit bureaus as a negative account and the Open account is negatively affecting my credit and causing me harm. As a result of their unfair practices, I am unable to obtain the car and Credit that I'm in need of.
Consumer complaint received 2022-05-13
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: Advantage Credit, Inc. (WA)

I have several pulls that I did not sign or allow to imitate. There should only be one, from the company we chose at the end and when I spoke to the others, I did not authorize them to do hard pulls ( and sometimes multiple hard pulls ). I did not realize they did this until applying for a credit card months later. 

Check your credit report when getting a mortgage, there are surprise hard pulls that I did not authorize. The three credit reporting companies won't go engage the companies with the pulls for me and I have to do the work for something they did and I did not authorize at all. This may be common practice, but then its greed and laziness. These companies already leech and get loans at prime rates just to skim off the top and repackage for mac and may to help devaluate the dollar.
Consumer complaint received 2022-08-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (LA)

I cancelled my services with XXXX and they said i owed XXXX. I was driving when I was talking to them and could not retrieve my form of payment -- the phone rep. said he would call me back but never did so, I called them and they stated that my account was suspended but not cancelled so they continued the charges with no service. I had switched to XXXX XXXX XXXX. XXXX told me that i owed XXXX which was not correct. I have no problem paying the XXXX but i don't owe for services that were not rendered. I have no access to pay online on the account because when i log in it sends a code to the phone with the services. Since i have no service i can not retrieve the code. XXXX said that they can only accept the XXXX before they can discuss the account with me. They said they suspended the service in case i wanted to reactivate instead of cancelling service.
Consumer complaint received 2018-08-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CO)

I contacted Navient in XX/XX/2018 requesting to continue my hardship program informing them that I am still having financial hardship and to please consider allowing me to keep or lower my current scheduled payments. I was hung up on three times until I finally reached someone, then placed on hold for about 25-minutes not realizing my credit report was being pulled. When the person came back, she then advised me that I had acquired new debt and didn't qualify since new debt had been acquired. I was a bit confused because I wasn't sure what she was talking about since I was unaware my credit had been pulled without my authorization and new debt had not been acquired. Regardless -- a loan had been refinanced to lower payments because I was unable to pay the amount. I then received a over draft because Navient took larger amount that I was aware out of my checking account and now they've increased payment to double the amount and refuse to work with me unless I will provide my bank and pay check stubs. They don't take into account two car payments, living expenses, nor the fact I can't even pay my private loan ... they are forcing me into bankruptcy and rude. I need help.
Consumer complaint received 2022-08-23
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-05-13
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: CORELOGIC INC (WA)

I have several pulls that I did not sign or allow to imitate. There should only be one, from the company we chose at the end and when I spoke to the others, I did not authorize them to do hard pulls ( and sometimes multiple hard pulls ). I did not realize they did this until applying for a credit card months later. 

Check your credit report when getting a mortgage, there are surprise hard pulls that I did not authorize. The XXXX credit reporting companies won't go engage the companies with the pulls for me and I have to do the work for something they did and I did not authorize at all. This may be common practice, but then its greed and laziness. These companies already leech and get loans at prime rates just to skim off the top and repackage for XXXX and may to help devaluate the dollar.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (FL)

We had parent loans and went through periods where we were unable to make payments - job loss, XXXX due to 2 mortgages with the housing Crisis, unemployment in XXXX we were put in forbearance with accumulating interest. I have also worked 7 total years in not for profit hospitals. When I was laid off in 2014, at the age of XXXX, I was unable to get a FT job in a nonprofit. So those years get me no credit. At XXXX now, I cant get a new job.
Consumer complaint received 2022-10-24
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: JPMORGAN CHASE & CO. (PA)

After submitting a dispute against XXXX XXXX JP Morgan stopped me from opening bank accounts in the US and refused to provide complaint numbers to address my consumer rights being compromised. End result, credit card companies have close Accounts and refused credit limit increases And lower APR as a result of defamation of my character.
Consumer complaint received 2022-07-31
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2022 Federal Trade Commission Number : XXXX Re : Unauthorized Credit Inquiries To Whom It May Concern, I recently received a copy of my credit report. The credit report showed multiply credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that youve had the unauthorized inquiry removed. If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary. 

Equifax XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 Thank you, XXXX XXXX XXXX
Consumer complaint received 2022-05-13
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: DISCOVER BANK (TN)

I notified Discover Financial Services that I was a victim of a declared natural disaster being COVID-19. As a result Discover is reporting late payments for the months of XXXX and XXXX of 2021. I have had exceptional payment history for 9 consecutive months since. Please investigate and review.
Consumer complaint received 2018-08-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (ME)

The title to my home is impugned because of an attempt by a neighbor to change the boundary lines of my lot. I have filed a claim with my title insurance company XXXX XXXX XXXX XXXX, and a lawyer for Wells Fargo is interfering in the processing of my claim by XXXX. 

The claim should pay off the mortgage balance to $ XXXX and stop the foreclosure. 

Wells Fargo attorney is playing politics with my title insurance and valid claim against my policy ( filed in 2014 ).
Consumer complaint received 2021-06-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (GA)

I asked for copy of bill, because I don't owe that amount. My XXXX account was switch by XXXX XXXX XXXX. Enhanced Recovery ( collection company for XXXX XXXX said they could not give me a copy of the bill, because it's in collection.they also put on my credit report once I applied for a pre approved mortgage loan. Please assist.
Consumer complaint received 2022-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

On the XXXX XXXX XXXXXXXX, I contacted the Wells Fargo Claims Department to ask for help disputing a XXXX dollar set of transactions. The banker filed the dispute told me my funds would be available within 24 hours. 9 daya have passed and I have not received the XXXX ddollars.I spoke to claims specialist XXXX this past Friday, and she asked me to stop calling, her supervisor said that Wells Fargo will contact me when they need to. I needed this money for my car insurance, but the bankers said they could not loan me the {$500.00}. On the XXXX XXXX XXXXXXXX my vehicle was stolen at XXXX Police made an arrest and found my vehicle but it was totaled. I have no insurance because wells Fargo has my money. I might have to file for bankruptcy because I have no way of paying for all the damage to my vehicle. Today I received a letter from Wells Fargo notifying me my dispute was completed and money was deposited but that is a lie.