davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-26
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. (GA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I filed a dispute in regards to the items on my credit report and it's been well over 30 days and I have not received any investigation results.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (NY)

I have settled my goldman sachs account over 3 months ago with a third party company representing goldmen. I cant get account to show settled with no balance I have a letter from the third party which I will enclose
Consumer complaint received 2022-04-26
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 report act XXXX XXXX  Account number XXXX XXXX XXXX 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 2022-04-26
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 report act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

After several months of them receiving my payment on the XXXX, but not posting until the XXXX, if they post at all, I set up auto-pay through their website. Not trusting them, I took a screenshot of the confirmation and the email I received saying they had received my request. Sure enough, the confirmation email disappeared from the sls message center and the auto pay request was gone as well. I emailed them and they responded. In the response email they provided a link to the message, which went to a " page not found ''. I signed into my sls account and for a brief moment a new message appeared that said my auto-pay was set up and ready to go on XXXX. Of course, that message disappeared as well, but I took a screenshot. 

Twice in the past few months, they said they did not receive my payment which is an autopay from my XXXX  XXXX XXXX account. I have spent hours on the phone trying to straighten things out. I tried, in the past, to set up autopay through their website, but that part of their website was out of order. When it was finally operative again, I set up autopay only to encounter what I described above. It is exhausting having to babysit this mortgage payment. I have read reviews from : XXXX XXXX XXXXXXXX and it appears many are experiencing the same problems. How is this legal and how are they able to continue to manage their billing process in this manner?
Consumer complaint received 2022-04-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (NY)

I filed dispute XXXX XXXX via email to XXXX against XXXX XXXX {$510.00} XXXX unauthorized various other. 
Chimes to date refused provisional credit refused to issue charge back kept denying delaying my dispute. 

They have lied misled me made excuses after excuses violated the laws under fair credit act as well. 

I want my card which they in fact replaced to be reimbursed full amounts. 
Faulted to show proof failed to let me arbitrate.
Consumer complaint received 2022-04-26
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  Account # # XXXX - XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX,, # XXXX - XXXX XXXX XXXX, # XXXX - XXXX XXXX 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 permission.
Consumer complaint received 2022-07-04
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: Experian Information Solutions Inc. (NY)

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 XXXX XXXXXXXX and stopping me from getting this job offer n now XXXXXXXX XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-04-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc. ()

BlockChain.com has what they call " XXXX '' accounts ; essentially the platform can then use customer 's XXXX to make money themselves. In turn, customers get interest on their crypto from the platform. 
Their promise is that at all times, you can swap money out of those " XXXX '' accounts. Only that is not true. It's been a small week (!! ) that they effectively hijacked my money. 

Countless Emails were sent - I also reached out to their online chat - all to no avail. 
My bet is they have been gambling way too heavily with their customer 's money without sufficient fractional reserve. Then they can't give me my money back. At least not on the short term. But that is ( I believe ) illegal. 
I got a mail from them stating by when I would have my crypto back in my account but they failed to deliver on that promise.
Consumer complaint received 2022-04-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (CA)

My compnay purchased & financed from Wells Fargo equipemnt. At the end of our purchase agreements, we were told, confirmed in writing, verbally several times about our final payoff for our vehicles. When we tried to actually pay the full amount to purchase our vehicles, and to get our titles, we were told to pay 3 times more the amount than origianly advised and agreed.
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (OH)

Please can you delete this company I applied once and when I look at my report there are several tries. I do not have a card with this company please remove SYNCB/TJX CO DUAL dates listed are incorrect I never applied. 
XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On several different dates my identity was compromised. I recently pulled my Transunion credit report and noticed numerous fraudulent inquiries. None of these Inquiries where authorized or permitted by me. Several credit cards where applied for without my knowledge or written consent. I believe my Identity has been compromised and would like to pursue further action to protect my identity. I want to restore my Credit report and remove any inaccurate information reporting to my credit report. I have listed the fraudulent inquiries from my Transunion credit report belowXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-24
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. (TX)

Equifax and XXXX Bank This account was closed in XX/XX/XXXX Over 10 years old why is it still being reported, I should sue both of you last reported XX/XX/XXXX that XXXX XXXX CFPB I request that you step in on this matter remove it at once
Consumer complaint received 2022-04-08
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX Has violated my right to privacy according to The Fair Credit Reporting Act under 15 USC-1681B Section 602A.XXXX XXXX XXXX has also violated my right under 15 USC-1681A Section 604A Section2 which also States a consumer reporting Agency can not furnish an account without my written instructions. This account is at a {$0.00} balance no further obligation on this account XXXX XXXX XXXX have not given a 1099-C form for filing as I am Required to file on tax forms in which would be counted as income. I have no other obligations to this account and is at a {$0.00} balance. This has been an embarrassment as well as a hinderance for my family and I moving forward in being Qualified for possible Mortgage lenders.
Consumer complaint received 2022-04-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Neon Newco Corporation (OK)

XX/XX/2022 I went to XXXX  and did get released until XX/XX/2022 during my incarnation netspend allowed an unauthorized person to access my account deactivate my debit card and then issue TO THE FRAUDSTER ANOTHER CARD. They then accessed {$2000.00} of my arpa money issued by my tribe. When I got out of jail I called my card to Chek my balance only to learn the XXXX was gone so from there I started a dispute and was denied because netspend said I benefited from the money that was in my account. Like I told netspend there were only XXXX people who put money on my books and I told them who they were. I also stated that if I did benefit from any money then I would only dispute the money I didn't benefit from and still yet they still deny me I have proof of my incarnation as well
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: EQUIFAX, INC. (NC)

In accordance with the fair credit reporting act XXXX  account XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX  # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

! 5 U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-08
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXXXXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX XXXX XXXX Account # XXXX, US Dept of Education Account # XXXX, US Dept of Education Account # XXXX, US Dept of Education Account # XXXX, US Dept of Education 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 2022-04-07
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. (OR)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 2022-04-07
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. (GA)

I have previously sent my ID and bill showing my ONLY verifiable and accurate address. I also sent my social security card showing my ONLY verifiable name. The bureau still has not made this correction and continues to report inaccurate information.
Consumer complaint received 2022-09-24
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)

XXXX has denied me access to freeze my account after I believe my identity has been stolen. Numerous accounts on my credit report are false and reporting without my authorization. I have called XXXX multiple times as well as sent validation letters to validate these allege debts. This inaccurate and misleading information on my credit report is preventing me from getting employment and basic needs that require decent credit. This is identity theft and something needs to be done now.
Consumer complaint received 2022-06-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (MS)

I have tried and tried to figure out how to handle this. XXXX told me that they do not sell any of my information, yet if that was true then how did a debt collection agency get my information? Also I have not received any documentation other than it being on my credit report about this collection. XXXX is an insurance company. I believed that since this is not a contract and it is a month to month payment that it would not go against my credit report and not to be sold off as a debt. This is completely unfair. My family only has my husband as the provider due to lack of child care since the coronavirus. Please help me I understand we are a low income family but I need my credit please.
Consumer complaint received 2022-04-07
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Coinbase, Inc. (WA)

Commencing on or about the XXXX of XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Scammers ) XXXX XXXX XXXX XXXX ( the Scam Website ), all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing Coinbase services.
Consumer complaint received 2021-08-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have written letters to these credit bureaus multiple times, they do not respond nor do they investigate. It has been over 30 days I started disputing back in XXXX on the XXXX to be exact. I have not seen any changes or removal of the incorrect information reported. At this point they have to had broken some law by continuing to report incorrect information and not even investigate it!
Consumer complaint received 2022-06-08
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. (CA)

someone has illegally obtained my personal information and has been attempting to gain credit with my information, as a result of this I have several unauthorized inquiries on all 3 credit reports that are reporting to my file and putting me in a financial hardship
Consumer complaint received 2022-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 2022-04-07
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 to the Fair Credit Reporting Act : XXXXXXXX XXXX acct XXXX XXXX XXXX  manage acct number : XXXX Both have violated my rights. 
15 us code 1681 section 602 A. States I have a right to privacy. 
15 us code 1681 section 604 A section 2 z. Says that a consumer reporting agency can not furnish any account information with out my consent.
Consumer complaint received 2022-06-08
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. (NC)

XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (AZ)

I disputed the account in XXXXXXXX XXXX XXXX year it was removed in XXXX of XXXX only to be placed back on my credit report in XXXX of XXXX. I called the company and was put on hold to be transferred to a representative who did not pick up. I left a message on his answering machine. No return call. I would like to remove this from my credit report.
Consumer complaint received 2022-04-07
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

This company Convergent Outsourcing , Inc, sent me a letter stating that I owe for an account that I have never had. They purchased this debt from another Collection Company that had put it on my credit report and I filed a complaint because it was due to identity theft, and they removed it off of my credit report and out of their system. Apparently they sold it and Convergent purchased it. This account doesn't belong to me and it needs to be removed from my credit report and out of their system. They also need to stop selling it as it is not a legitimate debt.
Consumer complaint received 2022-06-08
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. (NC)

n 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