davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (TN)

Back in early XX/XX/XXXX, I completed and sent in my XXXX XXXX XXXX XXXX XXXX XXXX. Almost XXXX  months later, it is " still under review '' and they can't give me an estimated date of when it will be certified. I complete this form about once a year and sent it to myfedloans. I work for XXXX XXXX XXXX and have since XXXX. I have stayed in contact with myfedloans. At first when I contacted them to see when my employment would be certified, I received several different reason why it had not been. My form was sent in complete with my employer 's signature, title, and dates. I do not understand why it takes XXXX months to certify employment that I have had since XXXX and send in every year.
Consumer complaint received 2020-06-07
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. (GA)

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, violated my 609 rights by reporting incorrect information to my Transunion credit profile for others to see.They have violated my rights to have fair and accurate information on my credit report. My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation of my consumer rights.
Consumer complaint received 2021-04-01
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: WELLS FARGO & COMPANY (NY)

There are several Accounts on my file that I have no recollection of. I never opened these accounts, I tried reaching out to these lenders but they have not taken any action and are still negatively reporting in my credit report. 

1. Wells Fargo Balance {$120.00} Shows charged off. I never opened this account.

2. XXXX  XXXX Balance {$490.00} Shows closed. I never opened this account. 

3.Barclays bank Balance {$0.00} I never opened this account 4. XXXX XXXX Balance {$0.00} I never opened this account 5. Department of Education This loan was was supposed to be in deferrment and sold to other companies, they are reporting wrong negative late payments. I was never late.

6. XXXX funding Balance {$460.00} They claimed this account was collections for XXXX. Again I never had any open account for XXXX XXXX as they are claiming.

I have several paid off accounts on my credit report. I pay my bills, I will not make mistake of not paying my bills.
Consumer complaint received 2020-10-15
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. (IL)

XXXX XXXX and I agreed to a settlement amount for an account I was listed as a cosigner on. They assured me that the status would be updated with all three credit bureaus to reflect the paid with a XXXX   balance. I spoke with all three credit bureaus who stated that an update was not submitted. I was treated like a tennis ball in a tennis match regarding this matter by them and the credit bureaus. Each one off them begin to blame one another as being at fault for the inaccurate information being reported and reluctance to make the changes accordingly. The amount that is currently reported on my credit reports for this creditor is {$7400.00} with a status of written off as bad debt/collection which is inaccurate.
Consumer complaint received 2022-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (MA)

My name is XXXX XXXX. Me and my husband, XXXX XXXX, are co-borrowers on a mortgage which secures our house located at XXXX XXXX XXXX in XXXX, XXXX 

In XXXX, BSI Financial acquired my home mortgage loan and sent me a bill for {$1100.00} for " forced-place insurance '' which they included in the escrow portion of my monthly mortgage payment even though I was already paying a homeowners insurance company a monthly premium. I sent a copy of my insurance policy to BSI to show them that I was already paying my insurance premiums. Despite having received my homeowners insurance policy, BSI continued to charge me anyway for the next XXXX years, from XXXX, by including the lender-placed insurance into my the escrow portion of my mortgage payment. I was ultimately charged {$3500.00} over the period from XXXX to XXXX. 

In XXXX, by mortgage loan was transferred from BSI to XXXX XXXX. Like BSI, XXXX XXXX also sent me a bill for {$1200.00} for " forced-place insurance '' which they included in the escrow portion of my monthly mortgage payment even though I was already paying a homeowners insurance company a monthly premium. I sent a copy of my insurance policy to XXXX XXXX to show them that I was already paying my insurance premiums. Despite having received my homeowners insurance policy, XXXX XXXX continued to charge me anyway for the next XXXX years, from XXXX, by including the lender-placed insurance into my the escrow portion of my mortgage payment. I was ultimately charged {$2500.00} over the period from XXXX to XXXX. In addition to imposing lender-placed insurance on me, XXXX XXXX XXXX XXXX to pay my property taxes in XXXX, leaving me vulnerable to foreclosure by the City of XXXX. On XX/XX/XXXX, I received a Notice of Non-Payment of Property Taxes from the City even though it is not my responsibility to pay the city. It is XXXX 's responsibility to pay the municipal property taxes because they include this in my mortgage payment.
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Experian Credit Bureau They are pretty much unreachable if the consumer wants to ask about credit inquiries on their credit record or more importantly if the consumer wants to unlock a locked credit report. They have a web site process that is completely dysfunctional - just an endless loop. They have a phone tree that doesn't even allow access to an unfreeze function or to a human being for retail clients. A simple web search verifies that legions of consumers all have been asking how to access Experian - and some give " back door '' suggestions such as posing as a business client rather than as a retail client. This is definitely below industry standard - the other two comparable large credit bureaus provide these services easily via both web access and via direct access to phone agents.
Consumer complaint received 2022-08-16
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. (TX)

I am writing this complaint to inform the CFPB that my rights have been violated by this consumer reporting agency. In a correspondence to Equifax, XXXX of XXXX, I requested proof of my consent regarding the sharing of the following accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  account number XXXXXXXX XXXX XXXXXXXX XXXX account number XXXXXXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX number XXXX Date open on credit file XX/XX/XXXX. XXXX. 
Another XXXX XXXX account XXXX with opened date XX/XX/XXXXXXXX XXXX XXXX Account number XXXX As of today, I have not yet received a any proof of my consent regarding the sharing of the above accounts. According to 15 U.S.C 6802- Obligation with respect to disclosure of personal information ( B ) the consumer is given the opportunity before the time of, that such information to be disclosed. to such third party. and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option, in a correspondence to the consumer reporting agency.
Consumer complaint received 2021-12-07
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. (TX)

I the federally protected consumer by Fair Credit Reporting ACT has my harmed by Transunion a Credit Reporting Agency who's is in violation of Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681 ( a ) ( 4 ) .YOU CANT BE 90 DAYS LATE AFTER A ON TIME PAYMENT THE MONTH BEFORE THAT IS INNACCURATE AND VIOLATES MY CONSUMER RIGHTS.
Consumer complaint received 2020-06-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (NC)

I started the process of trying to refinance my home on XX/XX/XXXX with amerisave mortgage company. From the very first time I spoke with them I told them I have a manufactured home on a brick foundation on my own land. I have been talking to XXXX XXXX the entire time and he told me when he looks up my home on XXXX and other such sites it comes up as a single family home and therefore they should have no problem financing my home. I was told all I would have to pay upfront would be {$500.00} and the rest of the closing cost could be rolled into the loan. Within 3 days from starting this process I authorized them to take {$500.00} from my checking account. After multiple conversations and being told over and over for weeks that an appraiser would contact me within 48hrs to set up a date to come look at my home, finally on XX/XX/XXXX an appraiser came and looked at my house. I was told within 2 business days the appraisal would be done. On Monday XX/XX/XXXX I received an email from XXXX that he did not think they would be able to refinance my home because the appraiser said that my home was a manufactured home on a permanent foundation. As I said from the beginning I told them that. I have not heard anything else from XXXX or anyone else from Amerisave. Because of this I feel like they used me just to get my {$500.00} and they knew they would not be able to finance my home. I have tried to call, email, and text them multiple times since reveling that email and I have gotten no response. Also when I log onto my account at Amerisave it  does not even say they have received the appraisal.
Consumer complaint received 2020-06-07
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. (CA)

XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XXXX XX/XX/XXXX, duplicate XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. 

They also did not update my personal information per the request made in XX/XX/XXXX that was sent via mail XX/XX/XXXX.
Consumer complaint received 2022-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I received an email on XXXX XXXX that capital one was closing my account and will send me my remaining balance from my checking and savings account to my address on file in 7-10 business days. I called and was told that no one can tell me why my accounts was closed or when the bank will release my funds. Its 12 days later and capital one still hasnt released my funds from my accounts.
Consumer complaint received 2021-03-23
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: KEYCORP (CA)

My credit score dropped XXXX points in one day XX/XX/2021 even though I reduced my debt credit usage from 93 % to 77 % and have paid off a loan recently. This happened because my professional association was promoting a private student loan refinance company known as XXXX XXXX, owned by Key Bank, and included a link to calculate an estimate of the interest rate one may obtain with XXXX XXXX should they refinance with them. This was promoted as a finance tool however when I used it, it resulted in a report to the credit bureaus of a hard inquiry as if I had applied for an actual loan.The purpose of the promotional email was to encourage members of my professional association to research if they could first possibly qualify for a better interest rate, BEFORE, submitting a formal loan application.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ID Analytics, Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, OH XXXX SS XXXX DOB XXXX I was recently in the hospital for XXXX XXXX XXXX XXXX XXXX a year ago. I just now have got back to work. I discovered that my credit file has over 2 inquires for transactions that were never authorized by me. I have only XXXX XXXX as my only business dealings. I would never run my credit 2 times that is insane and unnecessary. Please delete the following inquires Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b et seq. ) I never made these inquires : XXXX XXXX and also XXXX aka XXXX XXXX. I am not sure who approve this or even made these inquires. This the 2nd time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611
Consumer complaint received 2020-06-07
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. (AZ)

Experian shows my XXXX/XXXX in the status as " has been 2 or 3 times late '' however, you can clearly see it has only been late 2 times. These sneaky little comments are not factual, and needs to accurately show that I have only been late twice. The only late payments were XXXX and XX/XX/2020. TWO is a big difference from THREE. 

Please CFPB, get action on this, they have done this on also my XXXX account. 

XXXX shows late 2 or 3 times, when clearly it has only been 2 times shown late.
Consumer complaint received 2021-02-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service Company, INC (CO)

I have never been to XXXX XXXX  At XXXX XXXX. They have 2 charges on my Credit report for the same thing. I have disputed this, and was told it would be removed, It has not.
Consumer complaint received 2022-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MS)

I was under XXXX XXXX bankruptcy from XXXX. My XXXX XXXX was discharged on XX/XX/XXXX. The trustee made all of my mortgage payments during this time and cured any past due amounts. I became responsible to begin making my own mortgage payments on XX/XX/XXXX. However I sent that payment to the Trustee on XX/XX/XXXX and they sent the payment to PHH Mortgage in the amount of XXXX. I have been making weekly payments to PHH since XX/XX/XXXX. My last payment of {$160.00} was made on XX/XX/XXXX and they rejected my payment. The reason for rejecting my payment is that my account is due for XX/XX/XXXX payment. I have repeatedly called them since XX/XX/XXXX to have my account updated since my discharge to no avail. The last statement date of XX/XX/XXXX shows a payment due date of XX/XX/XXXX with no past due amounts.The information on their website and the information on my statement differs.
Consumer complaint received 2021-12-07
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, OH XXXX SS XXXX XXXX XXXX I was recently in the hospital for major XXXX on my leg a year ago. I just now have got back to work. I discovered that my credit file has over 2 inquires for transactions that were never authorized by me. I have only XXXX XXXX as my only business dealings. I would never run my credit 2 times that is insane and unnecessary. Please delete the following inquires Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b et seq. ) I never made these inquires : Factual Data and also XXXX aka XXXX XXXX. I am not sure who approve this or even made these inquires. This the 2nd time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines XXXX
Consumer complaint received 2022-07-08
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: GOLDMAN SACHS BANK USA (NJ)

I had received the alert from my XXXX Credit Report. about the over usage on one of my credit cards for APPLE CARD/GS BANK USA XXXX When I checked, it says that, " Your APPLE CARD/GS BANK USA acount 's Credit Usage significantly increased to 102.0 % with the Credti Card Limit of {$1000.00}. Also, the same account also has the Address Changed information. I was under impression that someone opened up the Credit Card on APPLE CARD/GS BANK USA and later on changed the address. Hence, I called the APPLE CARD/GS BANK USA and XXXX to report the same issue since this Account doesn't belong to my name and I also have't changed my address recently.. The Customer Representative from APPLE CARD/GS BANK USA couldn't find this account under my name but he was further going to investigate about this matter and send out information to XXXX. I was also told by XXXX XXXX Representative to file a complain on Consumer Financial Protection Bureau. Hence, I am filing the same to resolve this matter. It has affected my XXXX  Credit Score very badly. Please take the appropriate action in order to resolve this matter and get the resolution as soon as you can. Thank you!!
Consumer complaint received 2021-03-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. ()

Since at least the XXXX of XX/XX/2021, my Coinbase account has been restricted with no explanation on why ( I have funds in my account and I can't sell or buy on coinbase ). I've emailed them in XXXX because I was unable to sell my crypto but was allowed to buy and they never responded to me. 
On the pop-up telling me my account was restricted, it told me to go the support page and file a complain, however on their support page there is no option for " restricted account '' or anything alike and you must file a report through their website to potentially get a response. 
I've direct messaged @ CoinbaseSupport on XXXX 11 times and publicly tweeted at them asking for a response but to no avail. 
I decided to search online for information about what to do if your Coinbase account is restricted, instead of finding answers I found many posts of people saying they were restricted too and Coinbase support were giving no help.
Consumer complaint received 2021-04-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (CA)

My daughter brought a car and Wells Fargo is the bank the finances the vehicle she brought this car from her former job area it was a XXXX dealership car XXXX XXXX 2014 I think this vehicle somehow was put in my name through the company my daughter work for because of her credit. The car was pulled XXXX from a parking area at onXXXX of her friend 's house because she didn't have an up-to-date sticker the tow company kept a car in contact the Wells Fargo Bank the finance company on the vehicle that's the time I found out this vehicle was put in my name as well as my daughter 's name her name is XXXX XXXX she has reached out to Wells Fargo Bank numerous the time to correct this error but for some reason my credit has took a major drop because of this incident this is not my debt this is my daughter 's dept and she's has tried to accept this debt and have XXXX Wells Fargo bank that this is on her, not her dad. But they have not removed this debt from my credit. Can you help me get this removed immediately thank you. XXXX XXXX XXXX.
Consumer complaint received 2023-03-29
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-11
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 am a victim of identity theft. Someone unknown to me is using my name and information and may attempt to access my accounts or open new unauthorized and fraudulent accounts. I filed the report XXXX with the FTC and contacted the creditors and bureaus