davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-19
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: Prosper Marketplace, Inc. (NJ)

On XX/XX/XXXX I sent a second dispute letter to Prosper Market Place and XXXX  credit bureau regarding a collection/charge-off that was opened in XXXX. XXXX is still the only credit bureau listed on my credit report while XXXX  and XXXX has since deleted this collection/charge-off from my report the first time around. The account has a balance of {$0.00}. It is well over 30 days and the account still hasn't been updated or removed.
Consumer complaint received 2020-11-19
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. (NJ)

XXXXXXXX XXXX erroneously reported late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Over the course of two months, I have been contacting XXXXXXXX XXXX to update my credit report to reflect accurately regarding those payments. I received written letters stating that all three bureaus were updated with correct payment information in XX/XX/XXXX. I continue to file multiple disputes because those incorrectly reported late payments are still there ; every dispute winds up being closed with the determination that " data furnished by provided is correct '' when the data is not correct. Additionally, my family suffered financial hardship and were impacted by Covid-19. We were late on payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We had contacted our lender and were assured we would not be reported late nor would we be charged late fees. Well, they did not charge us late fees but they continued to report us late to the credit bureaus despite the fact that we suffered a delay in income because of Covid ( I had just had our XXXX child and my XXXX pay was delayed because of the overwhelming influx of new applicants to the unemployment/XXXX system ). Please assist to the best of your ability as these remarks are causing significant damage to our credit score.
Consumer complaint received 2022-10-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Louisiana Recovery Services Inc. (LA)

I am a consumer as defined in federal law 15 U.S. Code 1692a ( 3 ). On XX/XX/2022, I discovered that a debt collector, LOUISIANA RECOVERY SERVICE INC, whose business address is, XXXX XXXX XXXX XXXX XXXX, XXXX, LA, reported to XXXX, XXXX, and XXXX, that I owe {$1600.00}, and {$2200.00}. This has damaged my credit significantly. LOUISIANA RECOVERY SERVICE INC purchased these accounts from XXXX XXXX a company that kidnapped me ( handcuffed to a stretcher ) and hauled me in an ambulance ride 1.5 hours away to another city, violated my God-given and unalienable rights, committed identity theft, insurance fraud, and theft when they took my U.S. Passport XXXX without my consent. At no point, did I ever relinquish my rights or provide consent to XXXX XXXX.
Consumer complaint received 2020-11-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (AR)

Due to Covid 19, we got behind on payments and my car was repossessed. My husband was able to find a new job so I started trying to make small payment to catch up. Less than 24 hours after my car was taken, I called and was told I would have to call back late, because they didn't have any information. The 3rd call I finally was told I had to pay {$2300.00} to bring my account current and the repossession fees. I was willing and able to pay the full balance right then, but was told because my account wasn't old enough with them they would not reinstate my loan. The only way to get my car back was to pay the loan balance in full. This year has been a very new and trying time for everyone, I was owing up to situation. I wanted to catch up my account and continue making my payments on time going forward, but that was not a choice I was given. I am a XX/XX/XXXX and have a daughter with a chronic medical condition so transportation is very important.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian continues to report inaccurate information on my credit report. I have stated numerous of times via phone and mail that all phone numbers and addresses listed are removed. They continue to furnish this incorrect information without notifying me. 

I know under FCRA it is their duty to report accurate information and Experian continuously refuses to do so.
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

For whom this concern, I have been really pissed the XXXX off to learn about my rights as a consumer has been violated. I have learned if there are things missing from my periodic statement such as my finance charge etc, and not delivered to me 21 days before the payment due date pursuant to Fair Credit Reporting Act 15 USC 1637 ( b ) on open-ended consumer plans aka my credit cards, there should be no late payment reported on my account however I have several of these accounts which falsely put negative late payment information on my account. I am pretty sure this is a violation of 15 USC 1666b ( a ). I mean it's right there in the law on the Cornell site. It's public information. Also, I have never opted into this reporting pursuant to Gramm Leach Bliley Act 15 USC 6802 ( b ) ( 1 ) ( A ) and this is an invasion of my privacy according to FCRA 15 USC 1681 ( a ) ( 4 ). This has stopped a lot of funding for me as I am a real estate investor and the fact I learned I have been ripped the hell off has been unbelievable. Can someone PLEASE correct this! I included my scanned dispute letters which I notarized as well in case I have to take legal action. I sent to the bureaus already. I still haven't received a response. Thank you for your help.
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

XXXXXXXX XXXX erroneously reported late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Over the course of two months, I have been contacting XXXXXXXX XXXX to update my credit report to reflect accurately regarding those payments. I received written letters stating that all three bureaus were updated with correct payment information in XX/XX/XXXX. I continue to file multiple disputes because those incorrectly reported late payments are still there ; every dispute winds up being closed with the determination that " data furnished by provided is correct '' when the data is not correct. Additionally, my family suffered financial hardship and were impacted by Covid-19. We were late on payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We had contacted our lender and were assured we would not be reported late nor would we be charged late fees. Well, they did not charge us late fees but they continued to report us late to the credit bureaus despite the fact that we suffered a delay in income because of Covid ( I had just had our XXXX child and my XXXX  pay was delayed because of the overwhelming influx of new applicants to the unemployment/XXXX system ). Please assist to the best of your ability as these remarks are causing significant damage to our credit score.
Consumer complaint received 2020-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MA)

I have a " Care Credit '' account through Synchrony Bank. I ONLY have access via their website since I do not receive paper statements and I do not maintain phone service. The only way I have to access my statements, transactions and to make payments is via their website. The problem is that they are now blocking my access to my account. They refuse to let me access it unless I give them updated personal information they have no right to know. Let me make this clear, this is not information to verify my identity, there is no question of that. This is them wanting personal information so they can sell it to other companies. They are literally holding my account hostage unless I provide them with a multitude of sensitive personal data. Just a few examples are my income, my marital status, my sexual orientation, and my number of dependents. They're also demanding access to my bank account to they can examine my spending habits. They are not entitled to ANY of this information, I would be a fool to give it. If I continue to refuse I will be late in making my payments and they will begin assessing fees even though they are blocking me from making said payments.
Consumer complaint received 2020-11-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (TX)

XX/XX/20 want to refinance my home for a cheaper interest rate since I've been Flagstar Bank mortgages-XX/XX/20 still haven't closed I've done All of my part submitting paperwork/checkstubs 2 twice now ... Paid for an appraisal in XXXX XXXX20. 

Now advise No longer want to refinance as I'm going with another lender at a cheaper interest rate to boot! better than my own mortgage company. 
I don't want to pay for another appraisal since can use this one but must be within 120 days ... 
XX/XX/20 asked for my appraisal to be transferred over to my new lender-5 times I sent written requests, asked to speak to my lender 's supervisor whom I have now left 6 messages to call me all no No avail,,, Asked for his supervisor/district or regional manger-spoke to one supervisor who advise that supervisor would call me back once off his current call ... I got No call yet!!!!!!! 

Help transfer my appraisal & loan over!! GUH!!!!!!! Months of frustrating ...
Consumer complaint received 2020-11-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (CA)

I keep getting calls from debt collectors for a XXXX XXXX. This has been going on for at least a year. Each time I tell them I do not know this person and to please take my phone number off their list and the the list of the person that hired them. Each time they tell me that they can only take me off of their list. Today I got a call from Comenity Bank. I asked them to take me off the list and also to have me taken off the entities list that hired them. It appears that Comenity is the lender that the debt is owed to but they could still not guarantee that I will not get calls from any one else even when I asked to have my number taken off any one they have hired to collect this debt. All I want is for the calls to stop but they could not commit to doing that or give me any information on how to get it stopped. 
Latest call was today XX/XX/XXXX at XXXX. The supervisor I spoke to was XXXX. He would not give me a last name or a direct number to call him back on. He wouldn't answer any of my questions about whether or not they were the source lender or the nature of the call. Said it was against the law. Every one kept repeating that. I asked XXXX to cite the law and he could not.
Consumer complaint received 2022-08-06
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. (WA)

These accounts have all been removed from my XXXX credit reporting account I would like Experian, and XXXX to do the same for the following accounts XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumer 's file to other such consumer reporting agencies. In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engage any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2022-10-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (VA)

I have reached many companies and many departments in the past couple years trying to resort this issue. This debt was supposed to be cleared during the beginning of covid. XXXX wasn't expected and demanded a lot of people that didn't have much to offer. I submitted the proper paperwork and got all my medical bills cleared except the one that capio has been harassing me for
Consumer complaint received 2022-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NJ)

I have recently realized XXXX different transactions fees charged to my credit card by chase without any explanation. I called customer service and I am told I used cash advance which I have never used. Then I was told that because I used XXXX they consider that as cash advance and charge a 5 % or {$10.00} whichever is more. They said they sent out the change in terms in 2021 by email which I have not received and neither by mail. I have asked them to consider to accommodate a long time client but they refuse to. I ask that if they can prove that this was ever sent out, they are not responding to that. Basically my daughter used XXXX different times to pay dues each charge {$1.00} and Chase is charging {$10.00} for each transaction as minimum charge so for a total of {$4.00} I am paying {$40.00} in fees. I believe outrageous by Chase and refusing to help. I have never received any such notification and I have used in XXXX and XXXX same transactions without being subject to a fee. Also since cash advance payments as Chase considers these to be is imposed a very high finance charge without any grace period which in order for me to get rid of the finance charges I will have to stop using the card and pay 100 % in full. I believe for Chace to take this action without properly informing the clients in a manner that is simple and precise is disgraceful and unacceptable. Credit card companies should have the responsibility to inform their customers on a timely with a clear language and for someone who has visual problems to be able to read of such important changes
Consumer complaint received 2022-09-20
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: Experian Information Solutions Inc. (FL)

XX/XX/XXXX Notice to opt-out of credit reporting provided to the company this date. 
I have not provided written consent to report nonpublic information to third parties. 

Experian consumer report reflects disclosure of nonpublic information as early as XX/XX/XXXX.
Consumer complaint received 2022-05-26
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)

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 consumer reporting agency can not furnish an account without my written consent and instructions 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
Consumer complaint received 2022-04-13
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-02-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (GA)

21 mortgage is our loan company my daughter my husband and myself are on the loan. My husband passed in XXXX and I requested a loan modification and I was told they do not do loan modification we were given a loss mitigation for one payment XXXX $ and then loan went back up to XXXX a month I spoke with other lenders to refinance and they told me about the law that requires loan companies to do a loan modification when there is a loss of one party on the loan. I just need help.
Consumer complaint received 2020-11-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

These are the dates that the unauthorized transactions were reported. These are 2 different claims for different amounts. 

Initiation date : XX/XX/2020 Initiation date : XX/XX/2020 Since covid has started, I have had multiple issues with fraud. These fraud charges have been on all of my accounts. My checking, savings, and my credit accounts. The past two fraud claims I have done were denied for two reasons ; the time it took to place the claims ( which was done as soon as noticed ) and the fact that the chip and or pin were used. 
I have had to have multiple temporary cards while I have waited for new debit cards to arrive, as well as debit cards. The same goes for my credit cards. There were transactions that took place even when I did not have a card active on my account and only the digital card, however old temporary cards were used that were supposed to be deactivated once a new debit card was received. Those temporary cards have been shredded as soon as they were not in use. So this begs the questions ; how is a non physical card with no chip being used, and why were they not deactivated from my account as soon as I activated a new card. The same goes for the debit cards. 
I have changed the pin on my debit cards from my old one, however when i recieved my new debit card and went to use it, it still used my old pin. Even though it shows on the account side with the bank that the pin was changed. So transactions that i have reported should not have been denied in fraud. I lock and unlock my card for every purchase I make now, and some of the transactions happened when my account was supposed to be locked. 
In all of this why is it the fraud department has not noticed anything with my accounts. From the fact that i next to never touch my savings account and had not used my credit cards for so long. Why is it that the credit card fraud department has been so helpful and understanding with the fact that since covid has started fraud has gone up, and many people are being targeted, but not the bank. 
With the credit card fraud department i have had no issues with any of the claims i have filed, but i do with regular banking. Why is that? Why is it that the bank is making it seem that it is my fault for their lack of drive to fix these issues? Why is the fraud department lacking so far in their job that they can not help me catch these transactions that are happening? 
I report anything unusual as soon as i see it. it is not my fault that this keeps happening to me. With covid I hardly ever leave my house but yet I am being made into a criminal instead of what I really am. A victim. 
I want the denied fraud claims to be reopened and re-evaluated because the reasons given for their denial are null in void with the above information stated in this letter. I want justice for being treated like a criminal with things I had no power over and had no help in monitoring.
Consumer complaint received 2022-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

since XXXX I have an account in coibase and coinbase wallet I changed my phone number in XXXX and when I want to change to the new one it asks me to identify myself with a passport but I have expired and I can't enter. and the coinbase wallet asks me for 12 phrases that I don't have and I can't entern please help