davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MS)

I have 7 credit cards that has advised me that they report to Equifax, yet Equifax has not placed these on my report. I have been instructed by their employees to give it 3-6 months to report. Although I found this information to be erroneous, I have allowed them ample amount of time and still nothing.

I also have an old vehicle that was current when I filed ChapterXXXX and has since been paid off. It originally reflected this information. For some reason, today, XX/XX/25, I was notified that this information was updated to reflect a paid charge off. Which is absolutely false. This has dropped my score 16 points alone, per their site. 

They are intentionally updating incorrect information and purposely failing to report positive information. The credit card accounts I currently have that are not being reported are below : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-07
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. (NY)

Re : Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 
XXXX  Account # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, It is my understanding that under the law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within the 30-day period constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ). 

Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 

Sincerely,
Consumer complaint received 2022-06-20
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. (GA)

XXXX. XXXX. XXXX XXXX. XXXX XXXX. 
XXXX XXXX. XXXX XXXX. XXXX, XXXX XXXX XXXX. 
XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. These accounts need to be deleted from the credit profile.
Consumer complaint received 2021-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (WI)

In XXXX of XXXX I reported this debt as fraudulent. The debt was verified as fraudulent by XXXX XXXX XXXX using the account number provided by the previous collection agency. The account number provided wasn't even in their database. The debt was subsequently removed from my credit reports by XXXX because it was determined that the debt was fraudulent. In the previous complaint I requested the contact information of the seller of this debt so that I could ensure permanent closure of this matter. XXXX XXXX XXXX refused to provide that information which left me open to more fraudulent reporting of this fraudulent debt. Since CFBP doesn't require transparency on where they obtained the fraudulent debt we can't actually file a complaint against the company that initiates the fraud, instead, I am forced to file a complaint against the collection agency. The fraudulent debt was reported as late as of XX/XX/XXXX, the current date given is XX/XX/XXXX. It can't be both and be true. During the initial investigation XXXX couldn't provide any details other than my name. The new collection agency has far more information which means that by filing these complaints they have been able to piece together more of my information which only strengthens their case, leaving me fighting to prove they are wrong, meanwhile, they aren't required to share ANY information on where they supposedly obtained the debt. Please see the attached documents showing the grave inconsistencies in this debt.
Consumer complaint received 2020-10-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

I noticed that a transaction was made in my XXXX wallet of {$2000.00} USD of BTC. So I decided to move the bitcoins to my bank. That same day XX/XX/2020 I filed a support ticket on the website since their phone number is only gives on option to lock the account. The next day, I recied a message that the I was sent a message saying my account had been locked. The website locked my account when i called to ask about the unauthorized transaction. I then had to take a picture of the front and back of my id and take a picture of my face for recovery. They said it would take 48-72 hours to respond. Today XX/XX/2020 I received an email saying my account was unlocked. I was able to get into the account ater several tried the app let me in and there is XXXX $ in it and all the transactions are all gone. I logged into my bank and they had in face charged my credit card a XXXX $ transaction fee. It says its for an ACH Withdrawal from coinbase.com XXXX. The fee was made on XX/XX/2020. I will be calling my bank to dispute the charge. Since my money and transactions have been removed I believe this to be a scam. Support keeps sending me into a loop on the website to change the password. 
I recievd an email that read : You sold for {$2000.00} USD of BTC We expect your sale to be completed by XX/XX/2020. 
Reference code XXXX Payment method USD Wallet Date XX/XX/2020 Amount XXXX BTC Exchange rate @ {$12000.00} / BTC Subtotal {$2000.00} Coinbase Fee {$30.00} Total {$2000.00} My account balance is now XXXX $
Consumer complaint received 2020-05-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BMW Financial Services NA, LLC (FL)

This letter I am writing is to request that your company stop reporting an account that says it belongs to me, this account was opened without my permission and without my authorization. I request your company to block it from its collection systems and stop reporting this account to credit agencies. That is hurting me a lot. 
The account is : BMW FINANCIAL SERVICES ACCOUNT NUMBER # XXXX The information contained in this account is reported negatively in my credit report, With this complain I want make it clear that this account is not related to any participation made by me. Such transactions are the result of identity theft. 
Block this information from your files and send the required notice to all credit bureaus to stop reporting this account that does not belong to me. In addition to the fact that you are reporting an account opened for fraud, as you should know that it is illegal and wrong for you to report an account that can not be verified and incorrect information reporting under my name and my social security number, I have every right to request and require that these fraudulent accounts be blocked immediately. Pursuant to Federal Laws that protect me as I am a victim of identity theft and I provide a police report and all documents required by law to support this fraud, sections 605B and 611 of the Fair Reporting Act, which state that Your company must block fraudulent information from my credit report that is the result of identity theft within 4 business days and that you must immediately notify those who have my information.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Close : XXXX XXXX {$0.00} Charge Off : XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX XXXX {$18000.00} XXXX  XXXX XXXX {$0.00} XXXX  XXXX {$0.00} Collection : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$1000.00}
Consumer complaint received 2021-01-05
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. (PA)

On XX/XX/2020, I submitted request as permitted under FCRA Sect 609 for the source of information used to report the following account : XXXX  partial acct # XXXX. 

Requested that Transunion, the CRA, to provide me with information within 30 days or permanently delete account from my file, as permitted under FCRA. Transunion did not properly investigate. They did not provide me with information that I am entitled to, thereby denying me my right under FCRA Sect 609. 

Transunion, sent updated credit report with the same information, without the information requested.
Consumer complaint received 2021-10-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (GA)

As a ( natural person ) federally protected consumer, I XXXX XXXX never enter any consumer credit transaction with AMERICOLLECT INC for them to have my personal information or medical records. In fact AMERICOLLECT INC is violation of 15 usc 1692 for infringement upon my consumer 's right to privacy. While also in fact in violation of 42 usc 1320d-9 ( b ) ( 3 ) HIPAA Privacy. By AMERICOLLECT INC obtaining my personal information and medical records with out my consent AMERICOLLECT INC have committed fraud and identity thief. Now I can't do business with anybody else due to this allege debt AMERICOLLECT INC has furnished to my consumer 's reports.
Consumer complaint received 2020-05-04
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. (TX)

On XX/XX/2020, I reported this account, XXXX, CFPB claim # XXXX, as one of two accounts that I have now paid both accounts a twice to XXXX XXXX . This time I made certain the documentation showed the agreement to deposit my check for the removal of the account from the credit bureaus. After receiving the second payments on both accounts, two separate XXXX agents ( on two separate days ) told me they could see where the accounts were paid the first time, down to the date, time and penny. All bureaus have finally stopped reporting the accounts, except TransUnion. I have sent in multiple letters to TransUnion showing the confirmation letters from XXXX, yet somehow TransUnion just keeps " verifying '' the remaining account? I even sent a letter asking them just to actually call XXXX, pick up the phone and make an old fashioned phone call. Not only were all attempts to correct the error " verified '', the account was updated to a " charge-off '' and still reports as an " open '' account? This seems absolutely absurd that these bureaus have so much control over our financial conditions, yet they have no regard at the injuries they cause to the consumer, to be so reckless in their reporting that it can ( and did, significantly ) cause financial destruction for me, which directly impacts my provisions for my son. Now I am trying to repair all the damage done by TransUnion 's careless reporting and they are just bumping along, still reporting this account that has now been paid twice, reporting it in complete error to hurt my credit score more, completely ignoring all communication by me to resolve the issue, and is completely unreachable by phone? This hardly seems okay, again it seems a lot like fraud.
Consumer complaint received 2022-07-12
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: CITIBANK, N.A. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Late Dates XXXX
Consumer complaint received 2022-06-13
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: EDvantage LLC (CA)

I had applied for the student loan with a financial advisor through the school. However I took the loan out because I was told that the program I was signing up for was a certification program. I specifically said I need an XXXX certification I was told Id get certified. I also was very clear that I wanted to become a XXXX XXXX So I did the process for the loan and started school. Close to 2 months before externship I started asking questions about our final exam and if that was how we would receive our certification I was told no you get a diploma of completion. I raised on concerned with the staff but was told sorry you were misinformed and it was misleading information. Then it came close to externship and I expressed again I wanted to go to a site that offers medical coding. I was told they dont offer sites for that and cant send me to one. I said how coming the program is medical billing and coding and I cant go experience for coding they said I have to be certified I said how can I be certified if you dont certify anyone they said they only offer medical billing sites. 
I wouldnt have taken this big loan out had I known that I couldnt get a certification in medical coding I wouldnt have taken this loan out had I known they dont off sites for medical coding. The whole process was rushed and I feel as I was mislead and given false information just so they can show numbers or meet a quota to get me into the program quickly.
Consumer complaint received 2021-09-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (FL)

Hello I refinanced my mortgage in XX/XX/2021 and my new service provider became Home Point Financial Corporation ( a/c XXXX ). In a welcome letter Home Point encourage me to register my account online at hpfc.com where I can among other services schedule my mortgage payments. 
I did so on XXXX XXXX as my mortgage payment is due on XXXX XX/XX/2021. 
While I have no problem registering my account online, my payment capabilities were suspended, not sure why. 
Contacted Home Point on Monday XX/XX/2021, but still was denied without any particular reasons. 
Was offering to pay over the phone, but I was not comfortable to provide my financial information over unsecured phone line. 
The only option is to pay via bill pay through my bank, since I don't have any available checks to send, and since I was intended to added an additional principle payment this will cause a financial harm, not to mention I feel that Home Pint discriminate against me.
Consumer complaint received 2024-12-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: OLD NATIONAL BANCORP (IN)

On XX/XX/year>, I attempted to send money from my Old National Bank checking account via XXXX to my XXXX XXXX XXXX XXXX savings account. I initiated an {$800.00} transfer. On the evening of Tuesday XX/XX/year>, I logged into my XXXX XXXX XXXX XXXX account and realized the money did not transfer. The next day, I called Old National Bank during business hours and explained that the transaction did not process, which I believed was because there was a typo in the account number. The Old National representative initiated a review to determine if the payment could be retracted. Meanwhile, I contacted XXXX XXXX to determine if they could determine what happened to the funds. They stated that they were unable to locate the transaction, even using the account number I believed to be the accidentally input number. Additionally, I called XXXX support which was totally automated but explained that if the account was incorrect or did not have XXXX set up, the payment would be returned to the original sender after 14 days. I received a letter from Old National explaining that the transaction was not completed in error and they were unable to dispute the transaction. I called back and requested that they review this again and they stated there was nothing more they could do because XXXX money transfers using the routing number and account number could not be disputed. This is unacceptable because it was a simple mistake of a typo causing me a loss of {$800.00}. If Old National is unable to dispute these transactions, they should not allow them.
Consumer complaint received 2020-05-04
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)

On XX/XX/XXXX, I sent out a certified letter and supporting documentation to dispute the chapter XXXX bankruptcy dismissed public record that is reporting on my credit report. This is information wrong and is harming my credit report and my ability to receive financial help for my family and I. I am not in bankruptcy. I have submitted documentation of a court order for this bankruptcy information to be removed from my credit file. 


Covid-19 has stopped my ability to work and provide for my family. I only have my good name and credit to depend on and with this inaccuracy public record information reporting on my Experien credit report only is hindering me from receiving Financial help.
Consumer complaint received 2022-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (CO)

On Sunday, XX/XX/2022, I was made aware of eight fraudulent charges placed with my debit card to my checking account with Ally Bank. The total of these charges came to {$970.00}. 

My Ally debit card has been " locked '' from use via their app for several months, but somehow these charges all went through and drained my checking account for almost {$1000.00}. 

I contacted Ally Bank on XX/XX/XXXX and opened a dispute on two of the charges that had already posted to my checking account. 

As of today, XX/XX/XXXX, all eight charges have posted to my account and I've disputed all of them. Only three of these fraudulent charges have been credited back to my account. I'm still out {$570.00} and waiting to be credited. 

This has been a frustrating experience compounded by Ally 's increased phone support wait times consistently being above 60 minutes. A quick search on online forums show I'm not the only customer that's recently experienced multiple fraudulent charges, and yet Ally has remained silent and not acknowledged that a good number of their customers have been impacted. 

I've been with Ally for over 5 years, but in this case Ally has been no ally. It's definitely time to look at other banking options.
Consumer complaint received 2021-01-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (CA)

My stimulus check has not been deposited, the banks number line is disconnecting after a promised 8 min hold. Very unprofessional and the bank has no answers for its clients if funds are pending or not. There was no problem what so ever last year.
Consumer complaint received 2022-06-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

This is in reference to your letter to me dated XXXX XX/XX/2022 about a my complaint # XXXX. 
My name is XXXX XXXX and my email address is XXXX. My address is XXXX XXXX XXXX, XXXX, Texas XXXX. My phone number is XXXX. 
I want to assist you in anyway to process this complaint for me
Consumer complaint received 2022-06-13
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)

In accordance with the Fair Credit Reporting act XXXX 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
Consumer complaint received 2021-09-14
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Metro Collection Service Inc. (NM)

They are wanting me to pay something that should have been paided by the second insurance i took out from them through there company and why would they wait so long to say i owe them now i did what the lady said to do she said let the insurance pay it off refering to the in house insurance i took out with them if that was the case why didnt they fix it and i would still have the XXXX.
Consumer complaint received 2022-08-21
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. (LA)

My rights as a consumer and original creditor has been violated due to the improper use of my consumer report. Im unable to obtain any type of financial assistance due to this.

According to the FCRA 15 USC 1681a ( 2 ) exclusions stating the consumer report does not report containing information solely as to transactions or experiences between the consumer and the person making the report ; All the collection accounts have late payments that continuously keep reporting, along with a balance. Ive recently filed a complaint, it was completed but no items have been removed.