davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

XXXX credit reporting agency has been violating my privacy on my consumer report by violating Fair Credit Reporting Act 15 US Code1681c-Exclusions of Credit. XXXX XXXX XXXX XXXX XXXX XXXX  notified me that they don't report information to credit bureaus. Why is right to privacy being violated? This reporting on my consumer report is in violation of15 US Code1681a ( 4 ). this Bankruptcy XXXX XXXX should not be on my consumer report. I demand you remove this from my consumer report as this has damaged my reputation and character for 9 years. In addition to removal i am seeking damages for all the years ( 9 ) that I have been damaged. I am seeking a sum of {$22000.00}, XXXX for each year my reputation, character and violation of my right to privacy. also 15 US code 1681b-Permiisible Purposes of consumer reports has been violated. Please rectify damages
Consumer complaint received 2023-01-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (SC)

Around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding me through a predetermined cycle of client losses in the equivalent of XXXX USD which were transferred from my Coinbase wallet utilizing Coinbases services. 

I tried repeatedly to recover my monies from Coinbase to no avail. I have two separate filed requests to COinbase for assistance and recovery with a refusal to assist me in recovering my funds.
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

I previously requested to dispute a bankruptcy that was reporting on my XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXCredit reports! I contacted each of them individually to dispute the errors and requested that the entire public record be deleted from my profile. None of the company 's contacted me directed with the results within 30 days. I later learned requested a copy of my LexisNexis consumer profile only to learn that they were the one 's who misreported the public record. LexisNexis was the furnisher of this item and has since deleted it from my profile. The letter that LexisNexis submitted to the CFPB showed and confirmed that they deleted the bankruptcy item in XX/XX/2020. LexisNexis failed to advise and notify the credit bureaus of their deletion so the creditors continues to report the bankruptcy in error. The credit bureaus also never verified the public record as being a valid item. I am requesting that everyone DELETES THE INCORRECTLY REPORTING PUBLIC RECORD EFFECTIVE IMMEDITATELY! I have attached a letter from LexisNexis confirming deletion! I have also contacted emailed Pacer to find out what information they have in their systems and they too confirmed that they are not reporting any type of information for me to any credit agencies or 3rd party consumer agencies. DELETE THE PUBLIC EFFECTIVE IMMEDIATELY! You have already exceeded the original 45 calendar and business days allotted via the FCRA guidelines for verification and investigation of this matter!
Consumer complaint received 2019-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

This is my second time reporting Experian. Experian removed the false information, then at the request of XXXX XXXX XXXX put it back on my credit profile. I am unable to file another dispute with Experian so I am submitting a complaint here.
Consumer complaint received 2023-01-23
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. (WA)

Experian has not sent full file application of things verified accurate and it against the law what their doing they have police report and choosing not to block info .how is it the irs approved and irs form shows credit concept was a borrower and I was lender so how is they get to violate my right and laws so I'm filing a complaint right now and have an on going suit against credit concepts so I will summons experian for the XXXX negative company they refusing to comply with laws .repeating told me rhey are the law have no right to challenge there verification.so I need every rep who handle this investigation to show and tesstify.and for damages I'm pressing charges.this in not right law states accurate you guys gave them a year I'm done with everybody .no help no protection no nothing.i did my part. I am secured creditor so I'm going straight to federal court and let them explain why they violated vthe law and choose to ignore it.just letting you know these credit agency thinks you guys are not a matter.
Consumer complaint received 2021-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NC)

An unauthorized amount of money {$600.00} was withdrawn from my bank account. This resulted in an overdrawn account and fees for return of all my bills set up on automatic deduction. I contacted the company, was ensured I would have my money right away and never received it. The fees continue to be charged to my overdrawn account and has created a nightmare on top of leaving me no gas money to even go to work, no money for groceries and no money for food for my pets. I am extremely irate.
Consumer complaint received 2021-10-06
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the last complaint, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX  Date of inquiry XX/XX/2021
Consumer complaint received 2021-01-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (GA)

Applied : XX/XX/20 Rate Lock : XX/XX/20 Sent to Underwriting : XX/XX/20 Approved : XX/XX/20 Rescinded : XX/XX/20 I was completely upfront about the details of our situation. We paid cash for 2 homes and were looking for a cash-out refi. We were told that this would not be a problem by several employees. They told us they could close faster and were willing to match a competitors rate, so we chose them. 

After 60+ days and countless hours of work of going through the approval process, including a lock extension due to their delays, they decided to rescind the offer for the loan. I was originally told the offer was being rescinded because the loan would not qualify for XXXX or XXXX, however, when I presented evidence that the loan would still qualify as a conventional loan, they said they did not want to honor the contract because a delayed financing loan would be harder for them to sell. 

We had already been officially approved and were only days from closing. This had nothing to do with our credit, home appraisals, or financial situation. When I spoke with them, they said they were very sorry for the miscommunications, but were not willing to honor their offer. Unfortunately while waiting on them to change their mind, rates have gone up almost half a percent and I can not go back to the other lenders who were seeking to finance our homes. This has cost me tens of thousands of dollars.
Consumer complaint received 2023-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (FL)

I received my escrow analysis with my XX/XX/XXXX statement. Upon review of the escrow analysis I noticed a couple of errors. At the end of XXXX there was ample money to pay the property taxes and insurance. I should have been getting a refund for the overage. Instead, the company assessed a charge for taxes that is not mine and have increased my loan payment by over XXXX  per month to cover the alleged shortage. I have contacted the company in excess of XXXX XXXX XXXX XXXX  times since XX/XX/XXXX only to be bounced around from voice mail to voicemail. Allegedly, return calls are made between XXXX hours. The last call I made was on XX/XX/XXXX. As of XX/XX/XXXX, I have not received a call back from someone to assist me with my inquiry. 

I have, however, received XXXX ( XXXX ) emails with surveys on the service I have received. In BOTH surveys I gave the company a less than stellar review and restated everything that is contained here.
Consumer complaint received 2019-04-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (DE)

I have a personal loan account with OneMain Financial Co. I had an automatic draft on my bank account for {$220.00}. due on XX/XX/XXXX. On XX/XX/XXXX, I called the branch manager to move the date to XX/XX/XXXX, since I receive XXXX on the XX/XX/XXXX Wednesday of month. The branch manager billed me that day XX/XX/XXXX, which over drafted my account and caused a domino effect of over draft charges. On XX/XX/XXXX, I made an office visit to address my issues on my account. The company gave me a {$36.00}. refund check for the over draft fee and meanwhile offered me additional money. I accepted an additional {$1500.00}. loan to address additional over draft charges that I might occur. I was told that they would refund my {$220.00}, and I wouldn't have to make a payment until XX/XX/XXXX, the new amount would be {$240.00}. mo.. I asked for my pay dates to occur on the XX/XX/XXXX Wednesday of the month ; I was charged {$34.00}. extra for the first payment {$270.00}. due on XX/XX/XXXX, which I paid {$270.00}, on XX/XX/XXXX. Over a week later, I received a {$220.00} refund check. On XXXX XXXX, I received a statement for {$500.00}, due on XX/XX/XXXX. stating that I was in the arrears and they wanted the {$220.00}. returned. Also, with them giving a check for {$36.00}. over draft because of their mistake ; they charged me {$34.00}. for an additional 10 days ; so they only refunded to {$2.00} for over draft. I received several phone calls demanding return of the {$220.00} ; and there was no 10 day grace period allowed for the initial payment. I am current on my {$240.00}. payments and do not feel that I should return the {$220.00}. when it was not even due until XX/XX/XXXX. The company made a mistake in their transactions and they want to hold me liable for it.
Consumer complaint received 2021-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MI)

1. I am not being responded to, by Navient XXXX. Attached. 
2. In XXXX I had an account that was reported 90 days late 3. I reported this to Navient in XXXX and thought it was removed, over the phone 4. In XXXX I thought this was removed due to misleading information at the time being sent to me and being told to me by Navient representatives. 
5. It wasn't until XXXX, I saw the 90 day late items reappeared on my account and effected my credit report, I assumed reinsertion. 
6. I have been contacting Navient from XXXX to XXXX to have the 90 day late removed, due to negative handling of my account and I have constantly been giving the run around 7. Navient has NOT investigated any of my claims, because I continue to request proof but none has been sent to me form Navient. Even after I have sent my proof to them.
Consumer complaint received 2019-04-09
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. (MO)

Since my identity has been compromised, it has strongly effected my true credit report and reflects unauthorized and unknown accounts to me, I'm demanding that these accounts be removed immediately from my credit report. The following accounts are, XXXX XXXX   XXXX {$440.00}, XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX {$1500.00}, XXXX XXXX {$640.00}, XXXX XXXX {$210.00}, XXXX   XXXX XXXX {$150.00}, In accordance to the laws of the FCRA if you can not show true and physical documentation of the original document of these accounts then these accounts shall be removed immediately.
Consumer complaint received 2019-04-09
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: International Debt Buying Consultants, LLC (CA)

XX/XX/XXXX i recieved a voicemail on my landline phone and it said that it was attempt to collect a debt owned by portfolio management group and that it was a debt owed from an payday advance loan done from XX/XX/XXXX. I was trying to ask for more information regarding this loan. And i had to wait 30-60 day for the sheriff to knock on my door to give me a notice to appear in court. And that it was the 2 time he goes knocking at my front door.. 

I was like yeah right the sheriff would leave a notice or something or even talk to me while i was in XXXX but no communication from anyone regarding this debt. No statements sent to my home address " NOP '' any phone call before this first time " NOP '' any wage garnishment or levy from court or FTB " NOP '' SO IS THIS  A FAKE DEBT OR NOT : '' '' '' '' '' First -- i have never taken out a payday loan or a loan ever. Ive would always be denied because of insuffient income and no revolving bank account, and no direct deposit account That would be the main reason for never being granted a payday loan or a loan. 

I have proof that i make {$150.00} per month from employer and i get paid per month and its a paycheck. 

No bank account to be able to have direct deposit to show reccuring deposit into bank account Knowing that i cant pass loan process that is why i dont apply for them anymore. So I was XXXX when i heard i owe from a payday loan and even worst that it was from XXXX to XXXX i was like XXXX. 

SO THEN i was told to call a number ( XXXX ) to then a lady said that they only do payday loans max amount is XXXX. 

Like XXXX from XXXX to XXXX to XXXX And i told her that it wasnt me who took out a payday loan but she could only do is note the account and transfer me to this number ( XXXX ) that just had me on hold for 2 hours and 49 mins. To just hear that i will be getting a call in 24-48 hours.
Consumer complaint received 2021-01-20
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: EQUIFAX, INC. (IL)

In XX/XX/XXXX, Equifax announced it experienced a data breach and my personal information was stolen. As a victim of Identity Theft, my social security number, home address, phone number, and email was stolen and then used to obtain credit cards, car loans, and other additional loans in my name. My life has been ruined and I need help. I've reached out to the credit bureaus but received little assistance. I submitted a letter XX/XX/XXXX to equifax, transunion, and experian but not haven't got a response. I moved to my new home XXXX XXXX XXXX XXXX XXXX, IL XXXX and I am still being bothered by collection agencies and still have discrepancies on my credit profile. According to Section 6 ( a ) failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more than 60 days with no response. I demand all horrific inquires, collection item, closed accounts, and previous addresses to be removed or I will file for litigation due to the stress you have caused. That is not me. Please see the attached document of the letter I sent to the credit bureaus and the Equifax Data Breach Settlement given to me by Equifax credit bureaus. Please take off inquires, collection item, closed accounts, and previous addresses. Thank you.
Consumer complaint received 2021-01-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: PNC Bank N.A. (GA)

I co-signed an auto loan in XX/XX/2020 with my son through PNC bank for an auto that we both own jointly but that he drives. He had an account with the bank and it set up auto pay for the loan from his account. Of course, soon after that he lost his job due to XXXX. PNC closed the account that he had set up the auto payment on because he overdrew it by {$70.00} ( his fault ) and didn't pay it back quickly. I have continued to make all the monthly payments on time from my account. ( My son is working again and gives me the money to make the payment. ) The problem is that PNC kept trying to collect a payment from the closed account that was set up for the auto pay, along with insufficient fund charges and late fees. I went to the local branch and an officer said that he should have cancelled the auto pay but admitted that he couldn't because he can't access his closed account. The officer canceled the auto pay but said he did not have the authority to cancel the fees. The branch manager told me the same thing. ( Mostly she does not return my calls! ) We keep receiving threatening letters from PNC and collection agencies threatening to repossess the car. We have also called the auto loan department. ( Same response- we have to apply for a fee waiver that we never receive. ) I called to ask for the regional manager 's phone number but was refused. Once again, PNC has received EVERY payment on time and in full! Please help.
Consumer complaint received 2021-01-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

I lost my money to a housing ad on XXXX. I found a housing the supposed landlord XXXX XXXX XXXX has posted on XXXX and he wanted me to send him a picture of my drivers license, first month security deposit of {$1500.00} ( my two separate XXXX $ ) payments on Venmo and also signed a lease and provided an ownership of certification. He told me to send the payment to his wife ( XXXX XXXX ) and PA which is XXXX XXXX ( venmo handle XXXX ) and I believe he is using a fake XXXX account with XXXX to scam students like me. The XXXX link is under somebody elses facial profile and family ( XXXX XXXX XXXX, who Ive notified ). I found XXXX XXXX ex-wife to confirm on XXXX and she said to take it to the police as he stole hundred of thousands from her before the divorce, and that is what he does for a living. If there is anything the system can do for me to stop people like him, I believe it is worth a try.
Consumer complaint received 2021-01-20
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: EQUIFAX, INC. (UT)

I have discovered that I have a couple of accounts that I would like to immediately dispute. I believe that I may be a victim of identity theft. The accounts that are on my credit report do not belong to me. I do not recognize these accounts and have never incurred a debt with these creditors. I do not know where they came from. Also, I requesting to investigate these accounts. I believe that someone uses my identity or it could also be possible someone mixing up these accounts.
Consumer complaint received 2019-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (CA)

I have a credit card with NORDSTROM/TD BANK. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called NORDSTROM/TD BANK and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, and NORDSTROM/TD BANK  with no successful resolution. XXXX only reporting me two 30 day late payments. There was an error on their part. I was never two times 30 days late.
Consumer complaint received 2021-01-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ZuntaFi Corp (NE)

I co-signed a loan and it was changed without my knowledge. Company should have made the decision to have another loan signed before approval of student loan. I disputed the debt collection and ZuntaFi conducted an investigation, still not resolved. I am worried that it will reflect in my credit report.
Consumer complaint received 2019-04-08
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: Experian Information Solutions Inc. (TX)

Experian is reporting an account that is over ( 7 ) years old on my credit report. XXXX XXXX partial account number XXXX. ( Please see page 6 of the attached credit report. ) This incorrect reporting is harming my credit score and is a violation of the Fair Credit Reporting Act ( F.C.R.A. ).
Consumer complaint received 2019-04-09
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. (CA)

My mortgage payment was wrongly sent to another account by my XXXX XXXX, because of This wrong transaction Ive got reported to XXXX, XXXX and Experian credit bureaus. In order to solve issue I certified mailed, my Bank statements, proof of payments where clearly shown, on time payments and dates of transactions I did emailed to XXXX, XXXX & Exprian. Both XXXX & XXXXcredit bureaus were accepted legal docs and cleared reports of my credit history. The only who doesnt want to help its consumer is EXPERIAN. I am having a really though time to explain them. Please help me to solve this issue with Experian credit bureau. Thank You