davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF THE WEST (NV)

Bank of the West did not repley back to My, E-mail. As, they thought money was returnded. " No '' money was returnded, and sign up advertisement was not honored. 

XXXX 2022 account open date spans with drawl.
Consumer complaint received 2019-07-12
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. (NC)

I applied for an extended fraud alert with Experian on XX/XX/2019. I included the police report and my FTC Identity Theft report. I received a letter from Experian on XX/XX/2019 that said : " The identity theft report does not meet guidelines because it was not filed with  a law enforcement agency which subjects the person filing the report to criminal penalties relating to the filing of false information. '' ( This verbiage appears on page 2 of the uploaded letter ). 

I called the XXXX, NC police department where I filed my report and the officer who took my report assured me that filing false information in the state of North Carolina is a crime and this language is also part of the XXXX town ordinances.
Consumer complaint received 2021-06-02
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: Resurgent Capital Services L.P. (NJ)

the following accounts was never authorized to report on my credit, and is hurting me, please see below the list accounts on my report : Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft Account XXXX : XXXX This is not mine. 

6. Identity Theft Account XXXX : XXXX This is not mine. 
Identity Theft 12 XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2021-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXXXXXX XXXX, XXXX, XXXX  TransUnion Consumer Solutions Consumer Reporting Agency are in violation of 15 USC 1681 ( a ) Accuracy And Fairness In Credit Reporting 15 USC 1681 ( 1 ) - Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
15 USC 1681 ( 4 ) - There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 USC 1681 ( b ) - It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
15 USC 1681b ( a ) ( 2 ) - ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
15 USC 1692g Validation of debts.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am submitting this complaint personally regarding late payments appearing on my credit record. Upon examining my files, I discovered these late payment entries. I sent correspondence about this issue more than 30 days ago, but have yet to receive any response or adequate validation. I'm seeking your help to address and resolve this situation quickly and efficiently.
Consumer complaint received 2022-09-30
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. (GA)

I submitted a dispute on XX/XX/XXXX with XXXX through the cfpb about the furnished accounts on my consumer report. 

XXXX came back and said all the accounts that were disputed were verified as accurate and updated. 

the accounts are not verified and they are not accurate. 

I pulled all 3 credit reports again after my dispute results came back and accounts are still showing improper information amongst all bureaus. 

Please See the errors they are constantly reporting! I've attached proof of these errors as well Account Name XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX shows a balance of {$950.00} Experian shows a balance of {$850.00} XXXX shows the account being late beginning in XX/XX/XXXX Experian shows the account being late beginning in XX/XX/XXXX It's obvious that the account has not been verified as XXXX stated and they are reporting info that's damaging me. I'm trying to buy a home and my well-being is at jeopardy There is apparent neglect going on because I've already asked them to verify and they did not Delete this Closed account immediately According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate.

And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate.
Consumer complaint received 2021-03-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

On XX/XX/XXXX approximately we filed for homestead exempt on our property and have not gotten a response from our morgage company again this past year on XX/XX/XXXX i filled for a tax and property evaluation with XXXX XXXX XXXX district and was given a new home value and tax adjustments and have not gotten a response from the morgage company as well i have submitted a complain and said that they can only adjust and take action from the month of XX/XX/XXXX foward not all the back months of XXXX wich i think is unfair due to their lack of responsability and seriousness in the matter of the ir business
Consumer complaint received 2021-06-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (FL)

I have a Coinbase Wallet but the altcoin ( Dogecoin ) that I have owned since 2018 has went missing. There is no phone number to contact the company only an Email address. I have contacted the company on several occasions only to get a reply that the case is being reviewed. I first contacted the company via email XX/XX/XXXX. I have contact the company at least 9 times and I have attached their last email response. The remedy that I am looking for is for my coins to be returned which is XXXX coins at time my coins went missing the value for them was over {$7000.00} us dollars which I would like to receive the value of these coins at the time of disappearance.
Consumer complaint received 2022-07-02
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. (AZ)

I am reaching out to the CFPB to complain about Experian who is in violation of the Fair and Accurate Credit Transactions Act ( FACTA ). I have contacted them many times in regards to my identity being stolen. Even though I have provided them with an identity theft police report and supporting documents. They keep saying that relevant information was illegible and blocked out. This is a complete lie. I will attach my identity theft police report, so the CFPB can see that my identity theft police report is legible and clear to see. If they need more information then they can reach out to the detective who is investigating my case. I can only provide to Experian what has been provided to me. Different law enforcement agencies have different police report. This is out of my control. They are suppose to remove fraudulent information with a police report. Again, they continue to be in violation of the Fair and Accurate Credit Transactions Act. If they need any further information they can contact Detective XXXX # XXXX Incident report XXXX Phone # XXXX Email : XXXX XXXX
Consumer complaint received 2022-04-27
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. (SC)

Through non compliance, I have evidence that i have a self executing irrevocable power of attorney authorizing Respondent/Alleged Debtor named herein to direct the permanent removal, on behalf of the alleged Creditor, of any and all references to said account in any and all credit reporting agency files of any type. this account reporting is also a violation of hippa laws.
Consumer complaint received 2021-03-24
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. (NY)

I am writing to dispute a fraudulent charges on my credit report. I am a victim of identity theft. I would like to request that the following accounts be deleted from my credit report. The following charges were not authorized : XXXX Account # : XXXX and XX/XX/XXXX Account # : XXXX. Please block and remove these accounts from my report, that any finance and other charges related to the fraudulent amounts be blocked and removed. I am also requesting that I receive an accurate statement. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2023-04-02
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: EQUIFAX, INC. (NY)

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 Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-01-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK (CO)

I lived in Illinois for 40 years and had a tcf account for about 4-7 years. I was so overcharged by TCF bank- Over {$500.00} plus prior I have constantly overcharged hundreds and hundreds of dollars. I finally dumped them and they gave me a bad credit report. My son had an account only for a year or so and he received a check.I should have received a substantial check as they milked me out of more than {$1500.00}. Plus the hours I spent talking to c.s. and going to the branch to try and work things out - which never prevailed. I should have been on this - was it because I moved? Thanks - XXXX XXXX
Consumer complaint received 2023-06-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (FL)

Macy 's store card has reported a balance of {$1700.00} for more than a year. This balance was paid off at that time. I have called them numerous times. They have blamed it on the credit reporting agencies. However, the credit reporting agency only reports what Macy 's [ or the card company that carries their name ]. We have made numerous calls to Macy 's even escalating to a Supervisor to no avail. In addition, we have reported an incorrect balance a number of times to all 3 credit bureaus. the credit bureaus agree and remove the balance of {$1700.00} being reported. Each month after, Macy 's again reports the balance as {$1700.00}.
Consumer complaint received 2019-10-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (TX)

Comenity Bank has called me at obscene hours throughout the day, and up to 9 times a day. I answered once and told them to stop calling me. They have now called my dad, not once, but twice, and given him details about my debt ( what it is for, what company, the debt I owe ). They are calling to collect a debt regarding a Victorias Secret credit card I have through them. After they called my dad this morning, I called them and told them to stop contacting me and my family ( again ). This is  getting to the point of harassment.
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

The following Accounts : Loan Account Holder : XXXX XXXX XXXX XXXX Monthly Payment : {$670.00} Loan Account number : XXXX Amount on Loan : {$17000.00}
Consumer complaint received 2022-12-14
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. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to Equifax dated XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor If you do not authenticate these accounts, I will take legal action against you. 

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I disputed transactions thet were credited back to my account and the rep did not cancel my card afterward. my account was left open and incurred more fraudulent charges that were credited back to my account recently and now i still cant use my card because Capital One has not taken the hold off of my available credit limit. 
This has been over a week since credit was applied to my account and I am needing to use my credit card. I am not supposed to be held liable for these transactions and that is what is happening. I already have replacement card i just the hold released so that i can use my available credit.
Consumer complaint received 2021-04-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

My mortgage company has been asked since XXXX to refund escrow overpayments and assess my escrow. Currently they are HOLDING {$13000.00} in escrow. My yearly taxes at {$8000.00}, and my insurance is {$2500.00}. At the VERY least, I should have a {$2000.00} plus refund, and they refuse to complete an eval of my account and process my refund. We have contacted them 7 times, we have waited four months, they acknowledge there is an issue but continue to refuse to rectify the issues.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Not only this account continues to report multiple inaccuracies and incomplete information on my credit report, but I've personally called this creditor and they don't have any of my personal information on their end and advised me to call and dispute this to you directly. You are the only one reporting such an account and continue report as such. I've filed and submitted a police report in this regard.
Consumer complaint received 2022-04-27
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. (NY)

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have 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 accounts that are reporting on my Credit Reports :
Consumer complaint received 2019-10-17
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: S&N Debt Solutions, LLC (MI)

In the attempts to become debt free I enrolled all my debt with the company Beyond Finance on XX/XX/XXXX with the total amount of debt of {$26000.00}. I have never missed a payment with them. One of the agreements when signed up with their program was that I would never pay any of the debt collectors any money regardless of them attempting to settle with me and to ignore their attempts at contact because Beyond Finance was the expert and they would handle every account for me. I trusted them with my money yet I was served papers at my home for the largest account that is being managed by XXXX XXXX. The total debt was XXXX. Since I was served papers and felt in that point I wasnt being properly represented because I was served paperwork. They again reassured me everything was handled, and that they would contact XXXX and handle it. 

On XX/XX/XXXX of XXXX I was informed from an associate of Beyond Finance that they contacted XXXX XXXX  XXXX and a settlement had been reached with XXXX XXXX after they had served me papers for {$6800.00}, which I had in my savings account. I asked the beyond associate if they would take any less if i paid them with one lump sum, but was told the amount would still be {$6800.00} and opted for the monthly payments versus draining my emergency funds. I was told that my biweekly payments of {$250.00} would need to be increased to cover the settlement because there would not be enough funds after paying the other settlements. They then increased my biweekly payments to {$540.00} and have been paying them this amount since XX/XX/XXXX. 

On XX/XX/XXXX, with absolutely no notice, XXXX garnished {$6900.00} from my XXXX account and wiped every last dollar I had in my checking and savings account leaving me with negative funds and not a single dollar. 

Today, XX/XX/XXXX my wife and I received a letter that XXXX XXXX attempted to take funds from my wife and Is joint account but there was no funds available. 

I have left several messages for XXXX XXXX  XXXX to see what happened and attempt to prepare for what is happening next and am waiting to hear back from Beyond Finance on how this could have happened and what to expect next. 

This has been devastating for my family and I am at a loss on what I should do next. I work full time, I pay all of my bills on time and I went from trying to become debt free to not knowing if Ill be able to make a mortgage payment because I am not being represented the way I was promised. My wife and I have no idea what to expect when our paychecks are being deposited tomorrow and if we are completely wiped out with no way to pay for food, childcare, our mortgage or our utilities we will be in an ultimate hardship