davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I recently submitted a complaint regarding my XXXX XXXX - partial account number XXXXXXXX wherein I am listed as an authorized user. ( Please see pages 9 and 10 of the attached credit report. ) This complaint was filed in error. I am wanting to continue to be an authorized user on this account. Please disregard the earlier complaint filed on XX/XX/2019.
Consumer complaint received 2019-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CO)

I recently submitted a complaint regarding my XXXX XXXX  - partial account number ****XXXX wherein I am listed as an authorized user. ( Please see pages 9 and 10 of the attached credit report. ) This complaint was filed in error. I am wanting to continue to be an authorized user on this account. Please disregard the earlier complaint filed on XX/XX/2019.
Consumer complaint received 2019-08-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (IL)

This is the third Dept collector coming after me for the same account they sent me documentation about a motion in which they never file the motion and once they file the motion they didnt include the proper information no court date was included only the court room and time I say for supporting documents a contract a phone number or address or any information obtained into this account they could not provide me with anything I called over to XXXX XXXX XXXX which is XXXX and XXXX and they ran my credit and social and birthdate and my address all the way to 1990 and theres no information stating that I old XXXX a bill
Consumer complaint received 2019-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TRANSUNION CREDIT BUREAU ' HAS REFUSE TO EXCEPT DOCUMENTATION FROM LOCAL LAW ENFORCEMENT AND FEDERAL TRADE COMMISSION TO HELP A IDENTITY THEFT VICTIM THAT HAS SUMMITED ALL ACCOUNTS THE PERSON HAS BEEN A VICTIM TRANSUNION HAS NO COMPASSION FOR THE CONSUMERS THAT HAS BEEN VICTIMIZED BY CRIMINALS.
Consumer complaint received 2019-08-26
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ad Astra Recovery Services Inc (VA)

During XX/XX/XXXX, I went online for a payday loan. I received a noticed I am approved for {$400.00}. I asked this company do they have licensed to lend in Virginia, they advised me they are license in Virginia. I never did received the loan in my bank. The next month, I noticed they took money from my account. I called the bank advising them of unauthorized action on my account, to close our account. I also check with the State Corporation Commission of Virginia to see if XXXX XXXX was granted license in Virginia. I was told XXXX not licensed in Virginia to do payday loans. On XX/XX/XXXX, we filed a Chapter XXXX Bankruptcy, inserting all out debts to include XXXX on our Petition. On XX/XX/XXXX, we were grant a discharge from all our debts. About two months ago, it appears XXXX, sold the fraudulent loan to AD ASTRA RECOVERY SERVIC. Now this debts is showing on all credit reporting agencies.
Consumer complaint received 2019-08-26
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (MI)

I have a loan with NELNET XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and NELNET XXXX XXXX with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 120-149 Days Late in XXXX, XXXX, XXXX, and XX/XX/2019 2019
Consumer complaint received 2019-09-19
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)

I had a high balance with Citibank. I secured a payoff check for XXXX through a real estate closing for the statement closing XX/XX/2019. The check was mailed on XXXX, XX/XX/2019 to the PO Box address provided to me through their app 's chat service ( XXXX XXXX XXXX XXXX, PA XXXX ). 

The check was received in their PO box by at least XXXX, XX/XX/2019. The check was then held and not posted until after they charged another month 's interest of XXXX. Although the attorney 's office confirmed that the check was cashed, the payoff is not showing on my account and my balance is now showing as XXXX. 

Citibank held the payment in order to charge additional interest.
Consumer complaint received 2019-08-26
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. (OH)

I got a letter in the mail from XXXX XXXX they claim that they never received my credit identity theft packet that I sent in XX/XX/2019. It was sent via certified mail from the XXXX, va usps and it was notarized by XXXX XXXX in XXXX, VA. The address is XXXX XXXX XXXX XXXX, XXXX, VA XXXX and you may reach them at ( XXXX ) XXXX. I am very confused on how they didn't receive it. It cost money and time to send certifed mail and this have been going on for too long.
Consumer complaint received 2019-08-26
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Onity Group Inc. (NY)

PHH Mortgage Services sent me a notice in or about XX/XX/2019 that they are now the attorney of record in a case, Index # XXXX, Supreme Court, XXXX County, New York. 

NY CPLR 2106 requires a law firm to file an Affirmation stating that they have examined all the documents pertinent to the case and found them to be correct and true. Failure to file this Affirmation has led to dismissal of the case in many instances. PHH failed to file an Affirmation with the Court. 

My case must be dismissed.
Consumer complaint received 2019-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

All three CRA 's have yet to fic the issue of a BK on my credit report that to this day affects my family getting the chance they deseve. Going back 5 years now XXXX, Experian and XXXX  continue to report a discharged XXXX  balance BK that was never proven with court records. I have never been to court, paid a dime or discharged or have any debt forgiven in such a manner. I never attended a settlement conference, never appeared in federal court on the matter and yet here we are. The CRA 's simply check with XXXX XXXX electronically and on we go with the nightmere.
Consumer complaint received 2019-08-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (NJ)

I was told that I was pre-approved for a loan of up to {$1000.00} and when I applied I was approved for {$500.00}. I signed at the prompts and received the money, however I havent been able to speak to anyone about how the money is being taken from my account. The amount I received and the amount that they expect me to pay back is ridiculous and I had no idea until I XXXX  them and found the website with the link to log in to the website. I was able to pull up the documents of the agreement and the amount they said they gave me was more than what they gave me and the amount and period they want me to be obligated to them for is crazy. Can someone please help me ... I am a single mom that works hard and try my best to make ends meet, I dont need to be scammed out of the few pennies that I have left over after paying the bills to sustain my family.
Consumer complaint received 2019-08-26
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. (MO)

The following account does not belong to me and I'm asking that it be removed immediately. I have kids with the same name but its not their either. The only thing I could think of is when my wallet was stolen., so maybe this is the doing of some perty thief. I'm demanding that this account be removed from my credit files. 

1 ) XXXX XXXX XXXX {$440.00}
Consumer complaint received 2019-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (OK)

I am requesting information regarding a process, for those who have been homeless, to obtain their credit report. I provide free classes on how to get a credit report and answer question on correcting errors on the report. I have a class scheduled at a center that provides housing and recover programs for the homeless and those suffering from additions.

Many of these dear people have lived on the streets for years. One problem I have found is that they are often stuck in a cycle that prevents them from getting a job or housing.

The cycle is they attempt to rent an apartment or get a job but fail because their credit is bad. They then remain homeless and jobless until they can try to repair their credit report.

There needs to be a process that allows the homeless person a way to get their credit report prior to seeking employment or housing. I have checked your site and you require a Social Security number, address and Birth date to get a credit report. The individual has the social security card and birth date but no address.

What can a person use that is a legal document to submit in place of the address to prevent Identity Theft? There needs to be a solution to this problem. This issue affects thousands of US Citizens trying to get their lives back on track.

I have searched your website but there isnt any information to address this issue. I tried your contact numbers but they do not provide access to a customer service representative to allow this question to be asked.

I searched the CFPB website and there isnt a reference for this issue. I think this question should be added on the website. This problem affects thousands of people and their families. We need a process to assist these families.
Consumer complaint received 2019-07-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

I have an account with coinbase LLC to trade crypto currency, I deposited {$300.00} into my wallet on XX/XX/XXXX and waited until it showed a balance before trading. I made a trade then noticed on on XX/XX/XXXX that not only was the {$300.00} with drawn from bank account but an additional {$350.00} had been withdrawn. I then contacted bank and had a stop placed on my account and contacted coinbase who took a day to get back to me and they said I had not had a balance of {$300.00} and thats why they took money from my account, so in total {$650.00} were withdrawn. My bank put back the {$350.00} into my account and I thought all was well but coinbase then put the situation into an investigation and locked me out of my account and I am still locked out as of today, I have nearly a dozen emailssent with no resposne other then we'll get back to you. 
Also the investigation was closed on XX/XX/XXXX. Their phone systems now hangs up on me when I call, no operators or representatives are available to speak to, so I am stuck and real angry and frustrated with them, I just want to close account and withdraw my {$300.00}.
Consumer complaint received 2019-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

A record of bankruptcy appears on my credit report. I have never filed for bankruptcy and have a credit score of over 800. However, my father has the same name as me, and filed for and completed bankruptcy in 2018. I contacted Equifax who completed the investigation within the required 30 days. They have determined that the bankruptcy is mine and not my fathers and refused to remove it. They told me to contact the bankruptcy court and write a letter to them providing copies of my father and mine license, social security cards, and the letter of official bankruptcy discharge which shows my fathers last 4 digits of his social. They also told me to call the court to see if they can email them. I will be completing all of that today as well as contacting my attorney as I feel this is unacceptable because all thats needed is to check the bankruptcy against our respective social security numbers.
Consumer complaint received 2019-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (GA)

My mortgage was sold on XX/XX/XXXX. I had just finished a modification and it was converted to a permanent modification however I had not received paperwork in the mail because my 3rd trial payment was XX/XX/XXXX. No one ever notified me and informed me my loan was transferred. Most of XXXX I was very ill. I am mentally and physically XXXX after a car accident in XXXX. I never expected to have to wonder where my next meal was coming from. I had attended and have to college degrees. one is XXXX XXXX and an XXXX  XXXX. 
XXXX my prior servicer didn't ach my payment so I called and they informed me they no longer serviced my loan. I called SN servicing and yes they said they were my new servicer but I had a problem sending money to someone based on a phone call. I felt I should have been informed and turns out they had 15 days they just did not do it. I had to do a modification because we got behind when my nephew was murdered, like I said XXXX and XXXX were times we didn't live we were surviving. According to XXXX my first payment was XXXX XXXX so they had time to get everyones paperwork. Come the XXXX I called to pay and they would not accept payment. 
We had already been having problems because they told me I was denied my modification even though I mailed them the trial and proof of all payments. They said either way because I didn't pay XXXX and XXXX I breached my contract. I filed ch XXXX to protect my home and I was unprepared for any of this. My husband had to leave his job from XXXX to XXXX to be with me XXXX hours a day because my XXXX were out of control and happening daily. In my accident I broke my XXXX and suffered a XXXX XXXX   XXXX  which left me with little XXXX XXXX  XXXX and XXXX but I am so blessed I can walk talk and live a normal life. I can't handle stress and I was aready losing my mind. I raised my nephew. Long story shorter they cut me off from webpage and denied my payments to put me in default. I transferred to them current but they claim I am around XXXX behind on my mortgage and refuse to show me the numbers. I was denied because of a ch XXXX discharge. I filed ch XXXX. need help
Consumer complaint received 2019-08-26
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. (MI)

I am filing a subsequent complaint to Complaint No. XXXX. I received by XXXX information from my mortgage company ( XXXX ). They sent to me what I have marked as ( Exhibit A ) which consisted of some of the documentation I sent to them when requesting assistance along with a contract I did not receive which is noted without my signature. In the letter that was sent with this packet XXXX  ' representative stated that they offered me assistance in which I did not cooperate in supplying needed documentation. I have enclosed Exhibits B thru K of what was sent to them with dates in the form of emails and letters. My Exhibit L is the receipts of mortgage payments with dates made to XXXX. I had this same issue with XXXX in 2016 however, I did not know that I have any recourses available to me so I agreed to paying a month and a half mortgage payment for six months in order to become current because they did the same stall tactics that they are doing now. In their letter it states that I was offered two months without a mortgage payment after which they would report me late. That does not make sense I continued to make the payments timely and the only reason I reached out to them was to be assured that I would not receive another late report. I would appreciate any and everything you could do in this investigation to have them remove this black mark on my credit. Thank You
Consumer complaint received 2019-09-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (CA)

I applied for a loan with Citibank. Based in my salary and credit. I received a pre -approval. The underwriters later ordered an appraisal of my home, and I have at least XXXX in equity. I was told that I may need to pay off a few accounts but that they would move forward. We have emailed 4 or 5 times, and I spoke with the bank direcly. I called my loan officer and asked to speak with the underwriter to question the amount of income they have listed for my rental property. Citibank reported around XXXX per year. I told them that the amounts that they have listed are incorrect ( Citibank gather that I was receiving XXXX per month for a XXXX square foot apartment in a historic preservation area of XXXX XXXX. I mentioned that I received XXXX for the current month and forwarded receipts. I mentioned that I received XXXX in prior years lease, and XXXX per month in the last year. I also provided leases for the past 5 years of rent. Once underwriters spoke to me, the communication slowed. They deciphered that I was an XXXX American woman. I actually provided information which showed me having 600 % more in monthly rental income, nonetheless, the loan did not move forward. After communicating 2 to 3 times per week for a month. Communication stopped. They branch manager not loan officer could provide the silence.
Consumer complaint received 2022-08-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (MO)

On XX/XX/XXXX, XXXX XXXX, owner of XXXX XXXX requested that I pay by check while he was at my home. he stated he wanted the money to clear before he left town. That evening I received an email from him stating I needed to send payment via wire, ( in the same email thread as the final invoice ), because all check payments were placed on hold, and the bank voided the check. I wired the money from XXXX to BBVA. XXXX did everything they could on their side. BBVA was not compliant and would not help despite having all the information. The check was not voided and it was cashed by the lawn company. The amount was for {$12000.00}. I tried a wire recall and it didnt work. I filed a police report and a report with the FBI and with my bank. I also let the lawn company know I was not able to get the money refunded through my bank or the bank that it was transferred to. The company says he was hacked and is not responsible. 
The email stated to send the money to this account. 
Account name - XXXX XXXX Bank name - BBVA bank Account number - XXXX Routine number - XXXX This money was from my personal savings that my spouse and I have saved for when I left XXXX XXXX ( XXXX ) so I would not have to work or put our children in XXXX while I was in XXXX XXXX This transaction completely depleted our checking and savings account. We had to use our credit cards.
Consumer complaint received 2023-06-06
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. (PA)

TO WHOM IT MAY CONCERN : I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OK)

I am requesting information regarding a process, for those who have been homeless, to obtain their credit report. I provide free classes on how to get a credit report and answer question on correcting errors on the report. I have a class scheduled at a center that provides housing and recover programs for the homeless and those suffering from additions.

Many of these dear people have lived on the streets for years. One problem I have found is that they are often stuck in a cycle that prevents them from getting a job or housing.

The cycle is they attempt to rent an apartment or get a job but fail because their credit is bad. They then remain homeless and jobless until they can try to repair their credit report. 

There needs to be a process that allows the homeless person a way to get their credit report prior to seeking employment or housing. I have checked your site and you require a Social Security number, address and Birth date to get a credit report. The individual has the social security card and birth date but no address. 

What can a person use that is a legal document to submit in place of the address to prevent Identity Theft? There needs to be a solution to this problem. This issue affects thousands of US Citizens trying to get their lives back on track. 

I have searched your website but there isnt any information to address this issue. I tried your contact numbers but they do not provide access to a customer service representative to allow this question to be asked. 

I searched the CFPB website and there isnt a reference for this issue. I think this question should be added on the website. This problem affects thousands of people and their families. We need a process to assist these families.