davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-20
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. (GA)

I REQUESTED FROM ALL " CRA '' ON ABOUT XX/XX/2021 FOR UPDATE ANNUAL CREDIT REPORT AND ITS BEEN OVER 45 DAYS HAVE NOT RECEIVED ... NOTE : SENT DISPUTE LETTER OF ID FRAUD ACCOUNTS AND UNDERAGE DURING TIME ACCOUNT OPENING ... '' NOT MY ACCOUNTS '' : " XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Kohls/Capital One is reporting late notations on my credit file that need to be removed. I recently looked at my credit and noticed some late notations on my credit file. Due to Covid and the unforseen events in my life because of it, I was severely financially impacted. I had a very hard time and was very scraping by on bare necessities. I was surprised to see Kohls report any lates at this time since under the CARES act creditors were supposed to take leniency on credit reporting because of hardships surround the pandemic. The bureaus specifically stated they expect consumer reporting agencies to make good faith efforts and have leniency. I ask that Kohls please take leniency on my hardship and remove any XXXX and XXXX lates as a onetime goodwill adjustment.
Consumer complaint received 2021-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

[ Mr Cooper cancelled my next to final automatic payment without adequate notice to me, then billed me for a late fee on my final payoff quote. They also reported me as late to the credit bureaus lowering my FICO score by 99 points. I suspect that this may be a deliberate and systematic pattern of abusing all customers enrolled in automatic payments who are nearing final payoff. Below is a copy of the letter I sent to Mr Cooper. They rejected my argument. ] XXXX Dear Mr Cooper : I disagree with your determination, and would like you to follow through on the agreement that I reached with your agent on the telephone. 

My loan is now paid off. I was enrolled in automatic payment. Mr Cooper cancelled my automatic payment for the month prior to my final payment. Mr Cooper did not tell me that my payment was cancelled. Mr Cooper did not have a valid reason to cancel the automatic debiting of my checking account for the payment due in the month prior to my final payment. 

Your agent told me on the telephone that My Cooper agreed with me, and would waive the late fee ( I was NEVER late, except for this mistake made my Mr Cooper ). The agent told me that Mr Cooper would send me a check for the late fee refund. The agent told me that Mr Cooper would report that the late payment was Mr Cooper 's error to the 3 credit bureaus, and that I was not at fault.

1. I never received the late fee refund I was promised 2. Your determination that it was my fault for missing the payment is not correct. 

Please send me my late fee refund check immediately and please report that the missed pament was Mr Cooper 's error to the 3 credit bureaus immediately.

If necessary, please escalate this to your manager and review all phone and written correspondence. I hope to hear from you very soon. 

Thanks, <my name>
Consumer complaint received 2021-10-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

On XX/XX/XXXX to XX/XX/XXXX, I made some small deposits and a withdrawal. I did some trading and had a profit of approx {$1500.00}. On XX/XX/XXXX an additional depo of $ XXXX was added to the other $ XXXX deposit on XX/XX/XXXX. That deposit just became clear. {$12000.00} was bal on XX/XX/XXXX. 
We put money in XXXX  XXXX  and on XX/XX/XXXX it was worth XXXX. On XXXX the other $ XXXX was cleared and bal was {$29000.00} which went to XXXX. On XXXX we added $ XXXX more. All this was in XXXX on XXXX, the account was at {$82000.00}. On XXXX added another XXXX. This brought the account to {$220000.00}. 
On XX/XX/XXXX, added $ XXXX. Now {$230000.00}. 
XX/XX/XXXX got XXXX of XXXX  XXXX  XXXX XX/XX/XXXX put the XXXX into XXXX  XX/XX/XXXX XXXX at XXXX XX/XX/XXXX added XXXX. Break down {$190000.00}. XXXX {$97000.00} XXXX ( $ XXXX + interest ) {$210000.00} XXXX {$500000.00} Total {$260000.00} Basis {$240000.00} XXXX XX/XX/XXXX XXXX  came due. Went to XXXX Bal {$320000.00} XXXX is {$200000.00} {$520000.00} {$260000.00} Basis {$260000.00} XXXX XX/XX/XXXX Put $ XXXX in XXXX. Also made appointment for XXXX  XXXX  XXXX  XXXX. Will put $ XXXX in and will get 15 % -20 % XX/XX/XXXX. Sold XXXX and put $ XXXX in for subscription on XXXX  XXXX  XXXX XXXX coming on Friday XXXX wired $ XXXX for taxes. SCAM XXXX  wanted XXXX to withdraw account
Consumer complaint received 2021-04-20
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: Experian Information Solutions Inc. (PA)

i have submitted challeges of account on my credit report to XXXX, experian and XXXX ... .all 3 say that this account is verified as reporting 100 % accurately ... .how is this possible? i have tried to challenge this account with the " original creditor '' ( XXXX XXXX ) each time they are being returned by the XXXX stating that the address for XXXX is unknow ... .I am mailing this to the address that is provided to me on my credit report for this creditor from the 3 credit bureaus..attached is proof ... how are they conducting proper investigations and coming back as verified if the 3 bureaus are providing an inaccurate address for this " creditor '' ... this is a violation delete this account now
Consumer complaint received 2021-04-20
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. (PA)

i have submitted challeges of account on my credit report to XXXX, XXXX  and equifax ... .all 3 say that this account is verified as reporting 100 % accurately ... .how is this possible? i have tried to challenge this account with the " original creditor '' ( XXXX XXXX ) each time they are being returned by the XXXX stating that the address for XXXX is unknow ... .I am mailing this to the address that is provided to me on my credit report for this creditor from the 3 credit bureaus..attached is proof ... how are they conducting proper investigations and coming back as verified if the 3 bureaus are providing an inaccurate address for this " creditor '' ... this is a violation delete this account now
Consumer complaint received 2022-08-27
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. (AR)

I have sent a formal complaint to the reporting agency because inaccurate information, incomplete information and unverifiable information is being reported on my credit report. This has caused great stress in my life because of this problem with the agency reporting this inaccurate, incomplete and unverifiable information. 

The first time I received a letter from the agency stating that they want to make sure that I am the person who is disputing and filing a complaint. I sent in verifiable identification documents and then I received a letter stating that the information was verified but they showed no proof, nor did they disclose any procedures that were done to prove that this information was verified and accurate as they have been reporting. As a consumer I requested the steps that the agency took to insure that these items were 100 % accurate under 15u.s.c.1681 ( i ( 7 ) Method of verification. Description of reinvestigation procedures.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have not supplied proof under the doctrine of estoppel by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presumed that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exist.. ( please remove this account before I seek litigation for defamation of character ) 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
Consumer complaint received 2021-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (NJ)

I've had problems reconciling the escrow balance on a document CMG Mortgage sent me. I've spent over 20 hours on the phone trying to rectify the situation. I've been calling for 2 months, over 15 calls to the presidential complaint line XXXX and they have not ONCE called me back despite the fact that they claim a 48 hour response. The will NOT talk to me on the phone or allow me to send an attachment to them, that THEY mailed me to discuss.
Consumer complaint received 2021-04-20
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: EQUIFAX, INC. (SC)

I have sent multiple investigation request to Equifax in regards to the reporting of 3 accounts ; XXXX XXXX XXXX and two accounts that don't have a creditor reporting. I requested the investigation because all 3 accounts are reporting inaccurately. I haven't received any correspondences or notifications from Equifax on either of these accounts since I requested the initial investigation in XXXX of 2020.
Consumer complaint received 2021-05-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Maury Cobb, Attorney at Law, LLC (FL)

I don't owe this company any money. It's a law firm called Maury Cobb and they just keep robocalling me nonstop. I don't have any debt to be collected with them and all the robocalls are ridiculous.
Consumer complaint received 2020-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

THIS IS THE SECOND REQUEST TO REMOVE inquires on my report that I did not authorize. Please REMOVE/DELETE these inquiries IMMEDIATELY : 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
Consumer complaint received 2021-05-26
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. (CA)

XXXX XXXX- XXXX XXXX XXXX IS ERRONEOUSLY REPORTING LATE PAYMENTS AND PAST DUE BALANCE ON MY CREDIT REPORT FOR THE LOAN THAT WAS PAID OFF AND TRANSFERRED TO ANOTHER SERVICER BY THEM BACK IN XX/XX/2020 ... .I always made my payments on time, see attached proof of payments made in XX/XX/XXXX checks even and XXXX when they stated they transferred my mortgage to the new servicer whom I also paid in XXXX. HOWEVER, XX/XX/XXXX FAILED to post my payments correctly on my credit report even though they deducted them from my account, and they failed to post the balance to {$0.00} even though they received full payment from the new servicer of the mortgage note .... this has been damaging to my credit for 8 months now ... My numerous attempts to resolve this issue with the XXXX company went ignored only causing them " confirm the accuracy of this account '' to the credit bureaus that went on to lower my credit rating further with each bureau .... 
this is unacceptable and my consumer rights have been violated greatly ... 
https : //www.consumerfinance.gov/rules-policy/regulations/1024/33/ # a
Consumer complaint received 2021-05-26
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. (CA)

XXXX XXXX- XXXX XXXX XXXX IS ERRONEOUSLY REPORTING LATE PAYMENTS AND PAST DUE BALANCE ON MY CREDIT REPORT FOR THE LOAN THAT WAS PAID OFF AND TRANSFERRED TO ANOTHER SERVICER BY THEM BACK IN XXXX OF 2020 ... .I always made my payments on time, see attached proof of payments made in XX/XX/XXXX checks even and XXXX when they stated they transferred my mortgage to the new servicer whom I also paid in XXXX. HOWEVER, XXXX XXXX  FAILED to post my payments correctly on my credit report even though they deducted them from my account, and they failed to post the balance to {$0.00} even though they received full payment from the new servicer of the mortgage note .... this has been damaging to my credit for 8 months now ... My numerous attempts to resolve this issue with the Morgage company went ignored only causing them " confirm the accuracy of this account '' to the credit bureaus that went on to lower my credit rating further with each bureau .... 
this is unacceptable and my consumer rights have been violated greatly ... 
https : //www.consumerfinance.gov/rules-policy/regulations/1024/33/ # a
Consumer complaint received 2024-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Progrexion Holdings, Inc. (TX)

Regarding the website credit.com : I received an email on XX/XX/year> at XXXX from XXXX regarding an account being opened in my name. That XXXX, at XXXX, I emailed the company to notify them that the account is fraudulent and to request deletion of the account. After going back and forth with a representative of the company, whose name appears as XXXX in the footer of the replies I received, they informed me they could take action only if I provided my DOB and the last four of my SSN ( they originally asked for much more information, like my home address and phone number ). I was, and still am, willing to provide those, but only over the phone, as email is a highly insecure method of communication and I have seen firsthand that and other information leak from emails in the past. Their representative replied that " we do not have phone support at this time so we're unable to provide you with a phone number, '' and they refuse to close the fraudulent account. I could give in and provide the information over email, but I have been negatively impacted by that in the past, and I don't believe that I should be forced to use only one method of communication, again an insecure one at that, to request closure of a fraudulent credit account.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I contacted Capital One Auto and informed the agency that my late payment was directly due to COVID-19 and a XXXX XXXX  in my immediate family. They stated that only during COVID they would make an allowance for such circumstances. Despite this they reported the account late and despite numerous calls they failed to honor the arrangement and allowances under COVID.
Consumer complaint received 2021-05-26
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. (FL)

XXXX - XXXX XXXX  reported me for being late on my mortgage payment for XX/XX/2021 in the amount of XXXX. During the pandemic I am struggling to keep afloat and pay them within every month. My mortgage payment is XXXX. If I am current in XXXX & XXXX How can I be delinquent XXXX in XXXX? This is incorrect reporting. I might not pay on the first but I never pay after 30 days. This not fair to people that work hard to make ends meet. You have people that are on forbearances because of COVID19 that can afford to pay. I have been affected by COVID19, and I am making ends meet but this is how they treat me. Report inaccurate information on my credit report and call me daily. I requested a Life of Loan payment history, and Escrow Analysis. I still have not received that. They are sending me letters requesting foreclosure fees paid, when the loan was modified and foreclose fees are included in the MOD balance as capitalized interest. This company is doing illegal things. I would like a copy of the lifetime of the loan payment history and escrow. So, I can look at the capitalized interest. this is a new servicer, and they are like a debit collector. You cant collect on fees that are included in the balance when the loan were modified.
Consumer complaint received 2021-05-26
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. (LA)

I was taken advantage of by XXXX XXXX. The used car XXXX XXXX XXXX XXXX miles, purchase price was {$15000.00}. I was charged 22.99 % interest. The interest rate was way too high and over the allowable 21 % in Louisiana. The total is {$30000.00}. Payments are {$550.00} at 51 months. This loan was made XX/XX/XXXX. So far, Ive paid over {$10000.00} on this fraudulent loan. 
The company is also reporting 2 late payments on my credit report. I am attaching proof that payments were made before 30 days each month. Please investigate XXXX XXXX.
Consumer complaint received 2021-08-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Mediation Recovery Center (TX)

I received a letter from Mediation Recovery Center for a debt I owe to XXXX Bank. The letter states, " If we do not receive your first payment by XX/XX/2021 we will review your account and proceed with appropriate collection efforts in accordance with state and federal law. '' In the state where this original account was opened, which is Texas, debt collection agencies can not threaten us with legal action. I'm not opposed to paying the one time payment but that statement offended me.
Consumer complaint received 2021-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on and I noticed a bunch of unauthorized credit inquiries had been made. 

I contacted the companies, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into the following inquiries on my credit report to determine who authorized the inquiry. XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX, and XXXX XXXX Inquiry : XXXX XXXX, XXXX. Once your investigation is complete, you find my allegation to be true, please remove the inquiries and send me an updated copy of my credit report. If you find the inquiries referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,
Consumer complaint received 2021-05-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Crossroads Systems Inc. (PA)

Capital Plus Financial has kept hundreds of people 's PPP loans that were already approved by the SBA. Most applied for PPP through XXXX XXXX or XXXX. The XXXX  is currently investigating and has suspended them over the deluge of complaints. 

Same story all over the web : borrowers get SBA approved ( with loan numbers ) and then they are ghosted by assigned lender Capital Plus Financial. Some have been approved for two months already and haven't even received a promissory note. Others have signed their PNs but never received their disbursements.

Capital Plus is just holding onto the money. That's a LOT of taxpayer money. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2021-05-26
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. (CA)

I contacted XXXX XXXX XXXX and informed the agency that my late payment was directly due to COVID-19 and a XXXX XXXX in my immediate family. They stated that only during COVID they would make an allowance for such circumstances. Despite this they reported the account late and despite numerous calls they failed to honor the arrangement and allowances under COVID.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I filed for bankruptcy in XXXX. Unfortunately since I had a home equity loan that I was and still am paying on it had to go on the bankruptcy filing. I noticed that my payments do not get recognized on my credit report because of the bankruptcy. I have talked to the bankruptcy dept. at Citizens bank and both ladies said not to worry they can see I am making my payments regularly. My lawyer had no choice but to include the home equity loan in the bankruptcy but I would just like the credit bureau to know that I am paying regularly and would love for the payments to show up on my credit report from XX/XX/XXXX going forward. 
From what my lawyer said the only way to correct it now would be to get another loan to pay it off. Unfortunately bankruptcy isn't something that looks good to people when you try to get a loan. As of XX/XX/XXXX to present my payments do not show up on my credit report. I received a print out from the bank that I will include.