davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-20
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: Consumer Portfolio Services, Inc. (GA)

I looked at my consumer report and noticed these unauthorized inquiries. I gave no one permission to view my report. There was no permissible purpose written to these companies. Companies are as follows : XXXX XXXX XXXXI Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX 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 : XXXX. XXXX, XXXX + Automobile Dealers, XXXX XXXXXXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX Credit Card XXXX. 
( XXXX ) XXXX
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-04-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (NY)

I received a debt collection letter from CREDIT COLLECTION SERVICES dated XX/XX/2021. It states that I owed a debt in the amount of {$640.00} and that they were attempting to collect on it. I have no contract with CREDIT COLLECTION SERVICES and only know of them based on the correspondence that they sent to my address. I sent a letter to them on XX/XX/2021 in order to have them verify the debt that they are attempting to collect on. They have failed to respond to the correspondence I sent to them. The debt that they are attempting to collect on is secondary to a doctor visit that I had. According to the XXXX XXXX XXXX and Accountability Act ( HIPAA ) it is illegal for any form of health information to be shared with a third party without consent. CREDIT COLLECTION SERVICES has not provided the authority that allows them to contact me in reference to a debt in secondary to my medical services. I have provided copies of the correspondence sent by CREDIT COLLECTION SERVICES and the letter I sent them with this complaint.
Consumer complaint received 2021-02-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. ()

I have been a Coinbase.com customer since XXXX. On XX/XX/XXXX, I was asked to update my account personal information and verify my ID. I successfully completed these steps but my account has been under review since then. Coinbase displays the following message every time I log to my account : " Account under review - 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. ". Using Coinbase is not possible until the account review is completed. I am unable to withdraw my funds from my Coinbase account, deposit funds, or proceed with any kind of transactions. I tried to contact Coinbase several time and have not got my account reviewed and unblocked till today XX/XX/XXXX. That is now lasting for almost 2 months, while Coinbase claims it should have taken a few days. I did open a first ticket on XX/XX/XXXX which they closed on XX/XX/XXXX stating that " Coinbase Support resolved and closed your case. '' but my account was still under review and showing the same message when I did log in. I opened another ticket on XX/XX/XXXX but did not hear anything back so far, despite several follow up emails sent to them. I tried to contact them another time today, opening another ticket. Coinbase is not responding and is blocking my funds on their system.
Consumer complaint received 2022-11-19
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. (NC)

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 for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-04-08
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: AMERISAVE MORTGAGE CORPORATION (GA)

LETTER IS ATTACHED XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX Ameri Save XXXX GA CFPB Complaint Id : XXXX THIS IS A FURTHER FOLLOW UP FOR MUST REMOVE / XXXX  OF EXCESSIVE INQURIES RAN ON MY ACCOUNT EXCESSIVE, UNAUTHORIZED, UNAPPROVED, HARD INQIRIES ON MY CREDIT ACCOUNT IMMEDIATE REMOVAL / XXXX  REQUIRED EXCESSIVE, UNAUTHORIZED, UNAPPROVED HARD INQIRIES ON MY CREDIT REPEATED EXCESSIVE HARD INQURIES RAN ON : SPOKE WITH XXXX XXXX AND XXXX ALSO AGREED THAT INQUIRIES ARE EXCESSIVE RAN AND I NEED TO HAVE AMERI SAVE COOPERATE TO REMOVE/XXXX XX/XX/XXXX XX/XX/XXXX COMPLAINT AND FOLLOW UP : XXXX. 
XX/XX/XXXX through XXXX CFPB Complaint ID : XXXX XXXX. 
XX/XX/XXXX XXXX TO Ameri Save 3. 
XX/XX/XXXX XXXX TO Ameri Save 4. 
XX/XX/XXXX VIA CFPB SUBMITTED FEED BACK YOUR COOPERATION TO REMOVE / XXXX XXXXS REQUIRED NOW
Consumer complaint received 2021-04-30
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

THIS IS A NEW COMPLAINT THAT INVOLVES NEW ISSUE AND NEW DATA THIS IS NOT A DULICATE COMPLAINT On XX/XX/2021 @ XXXX XXXX I spoke with XXXX from SPS who works for the Ombudsman department. He stated that SPS does not care if XXXX XXXX XXXX. XXXX XXXX my home loan that they were going to foreclose on my home anyway. He basically said since SPS ( a servicer ) was the only one attempting to collect from the companies prospective, they were going to foreclose even if they are not representing the CREDITOR. I showed him all the paperwork that proves that this is an illegal foreclosure and he stated that it did not matter what I said or what he saw they were going to sale my home. 
HE BASICALLY ADMITTED TO ME AND MY WIFE THAT EVEN IF THEY DID NOT REPRESENT THE TRUE CREDITOR THEY WOULD STILL FORECLOSE. ADMITTING THAT THEY DID NOT CARE IF THEY BROKE THE LAW TO FORECLOSE.
Consumer complaint received 2024-12-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (FL)

As a veteran, I used my VA entitlement to assume an existing VA loan from Freedom Mortgage. During the loan application process I had full online access to their portal. After closing on XX/XX/2024, I discovered I couldn't log into my account anymore. I contacted Freedom Mortgage and was told they'd have to submit a trouble ticket to their IT dept. As a result, I had to make my first payment ( due XX/XX/XXXX ) via the telephone. I again asked about getting my online access restored and was told the trouble ticket was submitted and I would have to wait until they resolved the issue. Yesterday ( XX/XX/XXXX ) I contacted XXXX again and got the same run around. I insisted to speak with a supervisor and ultimately was told that their policy is to restrict online access for all assumable loans. The supervisor explained it was for security reasons since the loan data contained personal information about the previous owner ( loan originator ). I asked why they can't redact that information or create a different view so that person 's info is protected. The supervisor then said it was a policy handed down from XXXX XXXX and that Freedom only services the loan. I asked if there was anyway to build a work-around and was told " No ''. I would have to continue mailing a check each month or paying by phone. This is ridiculous to me. We live in the digital age. We manage our finances on computers and our phones- not thru the XXXX Postal Service. I reminded the XXXX that tax season is approaching and asked how I would get my tax documents. He said I would have to call and request those docs to be mailed to me. Again- completely ridiculous. I also told the supervisor that I travel extensively for work and I'm often at remote job sites for 4-5 weeks at a time with no access to my " paper '' mail delivered to my home. He offered zero solution. I have to believe that financial institutions and mortgage companies are required to provide online access to customers. There's no reasonable explanation why they can't remove/redact the previous loan holder 's info and allow me access to my account. I am the homeowner and I'm using my VA entitlement. I also spoke with another mortgage company today ( XXXX ) and explained my issue and they said that's not their policy and they've never heard of being refused online access. Please tell me your organization can assist in resolving this.
Consumer complaint received 2022-11-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (TX)

I have a XXXX credit card balance for the month of XXXX on the XXXX. I scheduled that payment for the XXXX and they pulled it on the XXXX and charged a late fee ( {$37.00} ). To not have to deal with calling them about it, I scheduled the payment of that fee for the XXXX of XXXX. They didn't charge that until the XXXX of XXXX and charged a second fee ( bringing the balance to {$76.00} ). When I contacted the customer service department about this, they said it was an error on my end ( I am certain it wasn't ) and that I had to pay XXXX sets of late fees on a card that has not been used since XXXX and has no balance other than late fees. The representative was not helpful and when we said we would file a claim with the CFPB he offered to waive the most recent fee and that he would make a note in my file that the fee would be credited. He would not give me that in writing but just wanted me to pay the first fee. Eventually he escalated it to a second representative who made the same offer but was confused because the first representative didn't leave any notes as he told us. After she found the notes, she said they could offer to waive a {$37.00} late fee but I would still need to pay {$39.00} ( which is a late fee and finances charges ). The representative couldn't explain why that was the case, but that there wasn't anything more she could do. She offered to escalate it to her supervisor, put me on hold for close to XXXX minutes, and then hung up on me. Note : the account is under my maiden name.
Consumer complaint received 2023-03-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

An account was opened in my name at Bank of America. A Bank of America employee informed me that is was fraud based on the email address associated with the account. I have tried 3 separate times to have the account closed. Each time the fraud specialist I spoke with at Bank of America gave me a different answer as to how to go about doing this. The last time the fraud specialist I spoke with said they closed the account. Yet I still receive statements showing maintenance fees accumulating and that the account is active. Bank of America refuses to close the account and continually lies to me about the status of the account and will mot give me accurate direction on how to go about getting the account closed permanently.
Consumer complaint received 2021-10-18
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)

Hi XXXX  has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX  paints me as a XXXX. XXXX XXXX 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 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 five negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. 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 accounts 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 Transunion more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2022-11-19
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: Experian Information Solutions Inc. (TX)

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 for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I Received a letter from XXXX XXXX company stating my information had been leaked in a data breach on XX/XX/XXXX. I since have started looking at my credit and noticed several hard inquires for loan, home loans, and auto that I never performed or asked these companies to run my credit. I have called all credit burros to report the issue and have these inquires removed with no solution and are still reporting on my credit. I have also called each company and they have stated my information was entered online. 

Inquires are from : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX There is also a double account for {$87.00} the original creditor was XXXX which is still reporting to my credit file as passed due then there is also a XXXX XXXX which bought this debt from XXXX. I have settled with them and the debt is paid i would like both removed from my report.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX Inquired on XXXX XXXX, XXXX  XXXX  Inquired on XXXX XXXX, XXXX  XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 XXXX
Consumer complaint received 2021-10-29
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. (TX)

**Equifax keep reporting XXXX  XXXX XXXX {$240.00} acct # XXXX, XXXX XXXX XXXX acct XXXX {$1600.00}, XXXX XXXX acct XXXX XXXX {$1900.00}, XXXX XXXX acctXXXX {$190.00}, XXXX XXXX acct # XXXX {$710.00}. 

**XXXX keep reporting XXXX {$240.00} acct # XXXX, XXXX XXXX acct # XXXX {$1900.00}, XXXX XXXX acct # XXXX {$710.00}, XXXX XXXX acct XXXX {$190.00}, XXXX XXXX acct XXXX XXXX {$4100.00}. 

**XXXX keep reporting XXXX XXXX XXXX acct # XXXX {$710.00}, XXXX XXXX XXXX acct XXXX {$1600.00}, XXXX XXXX acct # XXXX {$1300.00}, XXXX XXXX acct XXXX {$190.00}, XXXX  XXXX acct # XXXX XXXX {$4100.00}. 

All these 3 bureaus has lied to me for over 5 months. They will tell you they have gotten contracts// back from these collection agency with my signature and never provided me with any documents, I request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that their offices give me this but they always lied and tell me " The information you disputed has been verified as accurate. '', I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX, Equifax and XXXX are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have never heard none of these collection agency they're reporting. I told them since XXXX and all 3 of them lied to me and said they have proof but can't never show me. Please help me get all these collection agency deleted from bureau because its hurting me bad. I know they're getting paid but this a bad business to ruined consumers life knowingly you're not sending them sign contracts with their names on it.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

I have had problems with all three credit bureaus. One of my credit accounts is not properly accounting my charges and the overcharges. They do not seem to have an accountant ( XXXX ) and their statements cant be verified or understood. XXXX XXXX claims that XXXX has verified my credit account and I have asked them about the verification. It appears that they do not have any verification but they claim that they do. Experian has gone on XXXX XXXX and tried to charge on one of my credit cards and I have been contacted. My bank card will not take any digital charges and so last week I was informed that Experian had charged {$25.00} on my bank card and it was declined. XXXX is less aggressive but these bureaus are not worthwhile and I do not want to use them. Experian just tried to scam me on XXXX XXXX. I am going to get a professional to remove them from my sites. I do not see that any credit bureau is keeping proper records. I need federal assistance with these bureaus with improper information.
Consumer complaint received 2023-03-28
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. (MO)

I'm writing to request your prompt attention to the inaccurate information on my credit file because it is seriously harming my creditworthiness. It is unacceptable that, despite my prior efforts to have the issue resolved with the creditors as well as the credit bureaus, the false information is still being reported on my credit file. 
XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX Balance Owed : {$29000.00} XXXX XXXX  XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$27.00}. I've listed the precise accounts that need to be corrected, and I demand that you look into them carefully and take all required steps to have them fixed as soon as possible. As a credit reporting organization, it is your duty to make sure that my credit file is updated and accurate, and I won't stand for any further inaction or carelessness on your part.