davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2019-05-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NC)

Near the end of 2017, my consumer credit monitoring app reported delinquent payments to Fedloan Servicing. I contacted them immediately because my account was set up on automatic bank draft and I had emails confirming each of my payments. The representative advised the transactions were not successful. Apparently, the banking information I submitted was incorrect. I was never notified the payments had not gone through. I immediately began doubling my payments each month to bring the account current, and asked that my consumer credit file be updated, as the company never contacted me to advise the transactions weren't successful. The company has refused, though they acknowledged they confirmed each of my payments and never notified me of the incomplete transactions.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I contacted XXXX to file a dispute. The reported information to TransUnion and XXXX was not correct and has NOT been corrected through these XXXX Credit Bureaus. XXXX is the only one that has updated the correct information. I do not have a past due balance. I have paid everything as I should, even the incorrect fees that were applied to my account since the loan was opened. I need my payment history corrected to reflect " paid on time '' and " never late ''. I also need the remaining load balance corrected. They still show the original balance of the loan.
Consumer complaint received 2022-07-19
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. (CO)

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, XX/XX/2022 Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below because I believe it was reporting in erroneous. 
XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$8900.00} XXXX XXXX XXXX Balance : {$2900.00}
Consumer complaint received 2022-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, XX/XX/2022 XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below because I believe it was reporting in erroneous. 
XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$8900.00} XXXX XXXXXXXX XXXX Balance : {$2900.00}
Consumer complaint received 2021-04-28
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. (UT)

XXXXXXXX XXXX  XXXX is reporting 2 erroneous late notations on my credit file. I recently sold my house and this loan was paid in full. I ended up selling the home in XXXX. However, my title company said that wiring the money over would take 30 days. I told them that they needed to hurry the transaction as it was XXXX and it only has 28 days. My title company ended up transferring the money over XX/XX/XXXX, which in any other month would have been the XXXX. XXXX XXXX also charges a late fee if you pay anything past the 16th which is ridiculous so they added a late fee. This account had been completely settled and paid by XX/XX/XXXX but they reported me late for XXXX? This was not my fault, I was never late on this account prior. I need the late notations removed from my credit file because I was never late, my title company just XXXX me over.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am filing this report due to a critical concern regarding my FICO score. This is the fourth time I am submitting a complaint in regard to the same situation that has happened multiple times over the past year ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). On XX/XX/XXXX, my credit score through Experian was XXXX. The score factors indicated that I have no missed payments, I have limited the use of my available revolving credit, I have an established credit history, and I have shown recent use of credit cards and/or bank issued open-ended accounts ( see attachment ). On XX/XX/XXXX, my credit score indicated a decrease to XXXX. No factors were given for the drop. The only activity indicated for the period was " The total balance on all you XXXX account ( s ) has decreased by {$41.00}. '' My credit report has no negative accounts or information. How can my score decrease when there was no negative activity ( reported or otherwise ) whatsoever within 18 days? I have no inactive accounts reported to any of the credit bureaus. I also have only two credit cards reported and a mortgage, none of which are in delinquency or late. I have contacted the credit bureaus multiple times in the past to inquire why my credit score has gone down without any reason. Not a single customer service representative at any of the credit bureaus I contacted have provided an explanation. Over a 25-year span of building my immaculate credit, this significant drop is catastrophic and is a detriment to my personal and business financial burden ( i.e., line of credit, merchant account, property rentals, mortgage, insurance, credit cards, auto loans, equipment rental, terms of leases, business investments, and bank loans ). Credit standing is my blueprint and having a lower score can affect my standing with any reputable financial institution.
Consumer complaint received 2023-02-03
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. (NV)

I submitted a dispute to Equifax back in XXXX of XXXX about XXXX fraudulent accounts on my consumer report, XXXX XXXX XXXX XXXXXXXX XXXX in the amount of {$5800.00} and the other amount for {$2500.00}. I submitted over my identity theft affidavit, my police report, and a statement stating the account was fraud and to block this information from my consumer report. Equifax sent a letter statement they were not going to block the account but they were going to investigate the account. On XX/XX/XXXX Equifax completed the investigation and update my consumer report saying the account balance decreased by {$420.00} and the other by {$77.00}. The account was also reporting charge off but now the account is reporting as unknown payment history from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I am trying to see how did Equifax investigate a fraudulent account and furthermore how did a account go from charge off to unknown payment history and the account is back open. That is not accurate information that Equifax is reporting on my consumer report. Remove and block this account immediately from my consumer report. If the block is rejected, please send in writing why this block was rejected and what claims does Equifax have to support the rejection of this block. I will attach screenshots below of the status and history of this account. 

Accounts : XXXX XXXX XXXX ; Amount : {$2400.00} Accounts : XXXX XXXX XXXX : Amount : {$5400.00}
Consumer complaint received 2022-01-17
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: EQUIFAX, INC. (GA)

I have been contacting Equifax for over three years. I have sent these ppl.Follow suits letters in which the other two bureaus have removed and cleared old debt. I was told by a Equifax rep that my file has been merged. I pay for a credit monitoring and it shows I have no account with Equifax. For the past 4 months my Equifax score on XXXX XXXX is the same the reps at Equifax is always lying this has impacted me in so many ways at this point I am stuck with finding a job and my future housing. I have sent over several police reports, have ask for letters for debt validation and still no response it seems it is a scam in which they want you to buy there products in which it is useful.
Consumer complaint received 2022-07-18
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX Acct # 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 2020-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Trans Union is reporting a fraudulent account that was a result of identity theft. This fraudulent account is continuously being reported after providing all supporting documentation. I have filed and provided an identity theft complaint with the FTC, provided an identity theft affidavit with a copy of a police report filed with the XXXX Police Department, Ive disputed these accounts with credit bureaus, and also requested a block of the fraudulent items in accordance with section 605B of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ).
Consumer complaint received 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have filed numerous complaints with numerous government entities including the cfpb and the problems are still not fixed. I have filed complaints directly with the credit reporting agencies I have filed complaints with XXXX directly I have filed complaints with the Department of Education and the problem is ignored and not corrected. This is my final attempt before I contact a lawyer and I become part of a class action lawsuit to sue XXXX. 

I have repeatedly asked for the past 12 to 18 months worth of statements an information showing payments that I have made how they were applied and previous interest rate information how it was calculated in all kinds of information that I have not received and it is not in my account. I am sick to death of asking for XXXX that I am required to have by law! There are no statements there are no details there is no information. On top of that I continue to make payments that it or not reported to my credit bureaus. My loan has has decreased because I have been paying down the loan and there is no interest accumulated yet none of this information transferring over to my credit reports. They are only reporting that I am on time they are not reporting that I'm making payments which I am. They sent me some ridiculous response and I'm going to attach to this complaint about my address and other things that was not even part of my complaints and they completely ignored the second part of my complaint which dealt with the credit reporting problems. They also keep flat-out lying and stating that they are uploading statements and all of us other lies that they are not in my account. I want this XXXX fixed now I have had enough and I'm going to go to the media as well. They are playing games even in the response that I have attached to this complaint they tell me to detail my complaint again and send them more information which I have multiple times. I am not playing games they are to report what they have to the Credit Agencies immediately and accurately. They are also reporting an address that I have never lived at and they keep reporting it to the Credit Agencies an address in XXXX Michigan.
Consumer complaint received 2023-02-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (TX)

I applied for the TXHAF program in XXXX of 2022 and the agency began correspondence with Midland Mortgage to ascertain information pertaining to my loan. They have requested the I-record every week since then and according to multiple agents from Midland Mortgage they haven't received anything asking for documentation. I have repeatedly called to get this resolved and have been met with rudeness and dismissive attitudes. Midland Mortgage is notorious for foreclosing on homes and I have assistance available but they aren't doing anything to assist me. I reached out today again to Midland Mortgage and asked to speak with XXXX XXXX and was again stonewalled and given a po box to correspond with the corporate office. Midland Mortgage reps stated they have sent a ticket to get information for the TXHAF program. They consistently lie or deny preventing assistance for mortgage relief. One rep stated they receive thousands of applications and I will just have to wait my turn. I spoke with 5 reps from the TXHAF program and they stated Midland Mortgage isn't responding to any other their requests and if they don't receive something soon they will deny my application and close it. This is so wrong. Agents for Midland Mortgage XXXX and XXXX
Consumer complaint received 2022-01-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2020-07-08
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX {$2000.00} XXXX XXXX {$2700.00} XXXX XXXX {$2100.00} XXXX XXXX {$5900.00} XXXX  XXXX {$2600.00} XXXX XXXX {$180.00} XXXX  XXXX {$2600.00}
Consumer complaint received 2024-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: OLD NATIONAL BANCORP (WI)

This is a follow up to a previously filed action : Complaint ID # XXXX. Old National Bank purposely provided false information in their response knowing that they are 100 % liable under the XXXX Article XXXX for proper endorsements and payee information. 

ONB cleared at least 3 checks that clearly had either an improper endorsement or altered payee.

Consumers have up to 60 days ( and more in some instances ) to report fraudulent activity on their account. We absolutely did that in this case. ONB 's response of the " twenty-four hour reclamation time '' is an absolute and willful attempt at misleading a consumer. the 24-hour reclamation time frame is for COMMERCIAL BUSINESS ACCOUNTS not CONSUMER ACCOUNTS. ONB surely knows this. Yet they chose to perpetrate a lie against an elderly individual. 

Furthermore, they are very aware of their liability ( which has no statute of limitations ) as they just closed the account in question. 

XXXX Article XXXX clearly puts the liability on the clearing bank, in this case Old National Bank, to ensure that the check is properly endorsed by the account holder. Additionally, they are liable to ensure that the payee information on the check has not been altered in any way. 

I am in the process of filing a XXXX request to force the CFPB to turn over all complaints against ONB for clearing improperly endorsed checks and improper payee information, amongst other actions. 

I consider the CFPB to be complicit in this action for allowing a financial institution to knowingly submit false information. 

In conclusion, one of the account holders is an elderly individual who does not use email, thus the need for this additional complaint as the CFPB would not talk to me ( the joint account holder ).
Consumer complaint received 2021-04-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (CA)

I have an account with Coinbase XXXX  and have significant XXXX figure holdings for digital currency. I have been accessing my account from either my phone or laptop. In XX/XX/2021, suddenly I couldnt login into my account using my face id and stored password was also deleted. I tried to retrieve my password using retrieve password option but in my email, i recieved the response that said, that password couldnt be reset as I am trying to reset it from an unrecognized device. This device I used was my phone and my laptop which I have been using to succesfully login for last few years. 
On XX/XX/XXXX i submitted online customer service request highlighting this issue. 
Case # XXXX. I received a brief response asking for - Device you are using, including model number - Version of the mobile app - Version of your mobile device software - A screenshot of the error message/bug ( if possible ) - Steps taken to reproduce the error message/bug - Any additional information All the information was provided but after that i didnt receive any response for a few weeks. 
On XX/XX/2021, I again filed the issue with customer service : Case # XXXX and referred to the previous case. No response has been received to date. 
I then filed a complaint on XX/XX/2021 Case # XXXX - Complaint # XXXX describing unresponsiveness and my stuck assets. 
I have not been able to access my assets because of the unresponsiveness of Coinbase. I am not able to do any transactions. I am in need of money but can not access my account. This is a significant amount of money. Please help/ There is no way to contact Coinbase because they have no phone customer service or any live person to talk to.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX : ACCT # XXXX 1. Inaccurate Payment History and Overall Amount Reporting 2. Status should reflect as PAID IN FULL!

3. Remove more than 180 Days
Consumer complaint received 2022-01-17
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. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-01-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (NJ)

I've asked for this account to be validated several times this year by providing the original signed contract. In my most recent complaint filed with the BBB on XXXX, the company responded with a copy of an electric bill that has a name & address that doesn't match mine, which is not proper validation that this is my account. The original creditor ( XXXX XXXX XXXX # XXXX ) accuses me of owing {$960.00} but Transworld System INC sent me a bill saying I owe {$1400.00}
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (VA)

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  XXXX acct number XXXX, XXXX Acct number XXXX, and Citibank acct number 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 an account without my written instructions. 

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. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.