davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The Law Offices of Quinn M. Kofford, P.C. (UT)

The issue was originally for my spouse but the company failed to see that we are 2 different individuals and merged it all into one big mess, so now it is my problem as well. Law Offices of Quinn M. Kofford, P.C., also violated multiple laws when it comes to Fair Debt collection act. " Collectors can call third parties such as family, neighbors, friends or co-workers only to locate the debtor. When they do, they cant reveal the debt, and there are limits on repeated calls. '' I was threatened and humiliated while at work! I notified lady calling me that I was at work but she said she didn't care. I also notified her that my accounts are always up to date and she is mistaken, to which she said that unless I have a paper copy, they can collect even if it was paid. I told her that I am concerned about my XXXX  information breach to which she said : nobody cares about your XXXX  XXXX. I notified her that account did not belong to me and she refused to accept it. She proceeded with XXXX  and yelling. I notified her that if she continues to harass and threaten me, I will have to get an attorney to protect myself. She continued to yell at me and threatening me even though I told her repeatedly she needs to contact correct person on this matter. She then disclosed personal medical information to me that she did not have the right to possess as only necessary medical information can be disclosed for debt collection not whole medical history and it can only be shared with person it belongs to not with another person ( my spouse 's information was shared with me without his permission ). Yesterday we got served as company turned it over to court without notifying myself or my spouse that they are going to take that action. There was no time frame given or outline of the action. I got served at work and lawsuit has both names on it. Original company failed to produce the billing, only handwritten note was sent to our address with no explanation for the charges just dollar amounts. I was not notified that debt could be disputed. I repeatedly asked why she was talking to me and not my husband but never received an answer. If conversation was recorded, I was not made aware of it nor gave my permission. I have to deal with trying to restore my XXXX, fix our insurance ( since breach occurred ), work with XXXX offices on HIPPA  violation ( which means we would have to take time from work to resolve all the issues that were created for my husband and I ). Call was received on XX/XX/2020
Consumer complaint received 2021-12-07
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (OH)

XX/XX/07 I received a facebook message from my XXXX XXXX who I have no contact with, that XXXX from Comenity bank his extension is XXXX. He left the message " Calling for my full name to get contact information for your attorney that will represent you for XXXX XXXX '' He disclosed my full debt information on her cell phone voicemail. I called Comenity bank and spoke to XXXX she states she removed all 3rd party numbers. and apologized for the previous rep disclosing my information
Consumer complaint received 2021-04-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: GOLDEN 1 CREDIT UNION, THE (CA)

I am having a very hard time dealing with Golden1 Credit union on a car loan. I recently went bankrupt due to the pandemic, I lost my job and I decided to keep my vehicle in order to continue searching for a job and transport my family. I called the bank to let them know my situation last year, they help me reducing my payment from {$580.00} to {$440.00} for 12 months only. I told them I was going to file for bankruptcy and wanted to keep the vehicle, and they told me to call them back once I was discharged from chapter XXXX to discuss my other options. Few months after I did, with my discharge documents and they ask me to send the discharge documents, plus a hardship letter to see the other options. After receiving all that they send me a letter with my new lower payment of {$330.00} for 12 months. I was very happy until they decided not to honor it, saying they made a mistake on my loan, that they already modify my payment previously. Where I am standing today XX/XX/21 is whit another plan with payment of {$450.00} for 38 months, after being treated very disrespectful over the phone for several months now. I never been late on my payments with them, and I really want this people to do something else for me. My vehicle is worth {$13000.00} and I still owe them {$16000.00}. I ask them to give me 48 months instead to lower my payments, but don't think they want to do it, they are very arrogant when I try to continue to negotiate, after the fact that they are not honoring what they put on paper for me. They should reduce my balance to get to the lower payment they offer me, and never deliver. Please help me!!
Consumer complaint received 2022-04-26
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)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX, XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX  XXXX, XXXX  XXXX, XXXX, 15 U.S.SC 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 2019-03-28
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. (CA)

I have requested Transunion, XXXX, and XXXX to send me proof of the method of verification used to report Bankruptcy on my credit ... These agencies knowingly provided false information and therefore are in violation of the Fair Credit Reporting Act. I will be attaching proof. Also, Originally when asked to verify the credit reporting agencies listed the furnisher as the court house. Then prior to the dispute, I requested in writing my XXXX XXXX profile be frozen. Following the investigation of the CFPB it was changed to XXXX XXXX as the furnishor ... After my account was frozen. XXXX County Court does not verify with 3rd parties. Violations below : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 619. Obtaining information under false pretenses [ 15 U.S.C. 1681q ] Bankruptcy Courts should be the " Furnisher '' not third parties like XXXX XXXX.
Consumer complaint received 2019-03-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (AZ)

Ditech recently sold off our loan, and we have not heard from them or the new company. 

Currently, as of XX/XX/XXXX, Ditech is asking for excessive late charges, has something unique on my bill which is holding " funds in suspense of XXXX. I have tried to contact Ditech and make a payment but the account is closed, yet they are asking for a series of payments with a due date of XX/XX/XXXX. I have yet to hear from the new company servicing the loan. I am concerned that Ditech is racking up late fees, adding funds in suspense and making the balance as high as possible and then sending it off to another company. We had a major injury in the family and went to one income but we have a long history of being current. I would like to make sure that my payoff balance is fair and that I have not been taken advantage of in this transfer process. 

Why hasnt the new company sent me correspondence? 
Why is ditech sending me a bill with a future due date? 
What is " Funds in suspense '' Can you please make sure that Ditech has treated us fairly. We have been in contact with them and have been trying our best. They have 20 minute wait times and it is hard to get through
Consumer complaint received 2022-10-21
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: Bepensa Capital, Inc. (GA)

To whom it may concern : There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : Inquiries : XXXX XXXX XXXX XXXX Credito Real Usa XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look Forward to hearing your response. 


Thank you XXXX XXXX
Consumer complaint received 2023-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

My employer attempted to directly deposit my paycheck into my Checking account. They have successfully deposited into my account since I began my employment. The bank then declined the direct deposit from my employer. There were no alterations or changes to any information with my employer or my bank. The bank has at this time decided to reject my paycheck. After discussing with my employer, they have said that the bank is still holding the rejected paycheck funds and have not returned them. After a second discussion with the bank, they advised that there is no record of my employer sending the funds ( my employer provided me with the evidence that the funds were sent ), they advised there was no record of my call to discover why my direct deposit was never received and that they do not see anything that would indicate that they have the funds that have yet to be returned to my employer.
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX has reported a collection on my credit report that was paid by my insurance company. The orginal collector is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This has been reported by mistake.
Consumer complaint received 2021-03-23
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. (OH)

I am exhausted from Equifax blatant disregard for my cosumer rights. Violation after violation has been committed under the Fair Credit Reporting Act. The Act clearly states credit reporting compnaies has 30 days to complete dispute or item in question is removed due to its unverifiable status. I will not stand for this anymore Equifax needs to remove the following items from my credit report. The items are submitted with this complaint. Failure to comply will result in a civil lawsuit againgst Equifax. Equifax clocks starts now. They have 10 days to remove the items or the whole corporation will be hearing from my lawyer
Consumer complaint received 2019-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (FL)

I was reviewing my credit report and noticed a collections agency by the name of Harris Ltd on my report dated XX/XX/2019. I was very upset at this information, so I looked them up on the internet and gave them a call. To my surprise they kept sending my call to different departments ... ... I finally was sent to a gentlemen by the name of Mr. XXXX. I informed him of my issue and stated I had no business with there company and I would be reporting them to the CFPB. When I stated what I had plan to do he said have a good day and hung up on me. I proceeded to call back and they kept transferring me to XXXX emergency hotline. The XXXX department had no idea why they sent me to them and the young lady I spoke with new who Harris and Harris LTD was. She told they were a debt collections agency that purchased debts and try to collect money not owed to them. I value my credit and I am proud to say I have not one collection account. I will fight this to the end and plan to sue in court after the CFPB finishes the investigation.
Consumer complaint received 2019-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (PA)

Yes I tried to receive a credit report and haven't been able to get any correspondence from Equifax since also becoming part of a hacking class action lawsuit unfortunately this seems to be strange to me that they will not send me a copy of my credit report both of the agencies did when requested is very important because I have no idea what they are listing on my credit report whether it's correct or fraudulent I like to have that done as soon as possible and with respect to your oversight
Consumer complaint received 2021-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I did not authorize nor did I ask any of these companies to pull my credit. it has been well mover 30 days and there has been no conclusion of the investigation I've asked for.
Consumer complaint received 2023-04-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (FL)

Submitted to Selene Finance letter of their unfair practice, errors on their behalf on our income ( I reported this in writing ) misrepresentation, discrimination among bad faith. I requested to Selene to Please bring my loan payment back to the date I asked for assistance unable to pay my mortgage for XX/XX/XXXX, only, make arrangements just for the month due to temporary hardship. I was misguided to apply for loan modification instead of other ways I could have pay them for only one month. Their accounting errors, unfair practice, misrepresentation and discrimination, has led me to be in a situation that I can not handle. I dont know what else to do. Selene has replied to cfpb of my complaints with excuses. XX/XX/XXXX. Thank you
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2020-09-11
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. (GA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted 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 2023-03-18
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: CITIBANK, N.A. (NV)

In accordance with the fair credit reporting act Macys/CBNA has violated my rights. Under 15 U.S.C 1681 602, states I have the right to privacy. 15 U.S.C 1681 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 b, a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose.
Consumer complaint received 2020-10-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MN)

On XX/XX/2020 I opened a new account with Chase Bank online. I received the new debit card and information to begin direct deposit by XX/XX/2020 I would also receive a {$200.00} bonus for doing so and how to download and use the Chase app on my XXXX. As I received SSXXXX I missed the XXXX deadlind for direct deposit so set up for direct deposit to begin in XXXX. I received a small rebate check from XXXX so using the phone app I deposited the check into my new Chase Account. It never rolled over to funds I could use. I then received a letter on XX/XX/2020 dated XX/XX/2020 that Chase would be closing my account as I had not provided them information requested. I immediately called Chase as I have not be asked to provide anything more. After a substantial hold the agent came back and said they were closing my account as the XXXX check is a third party check it isnt mine. I escalated immediately as this check is mine with my name and my address the same as this account. The excalation supervisor looked it all up and agreed there was nothing wrong on my behalf. The Chase banking system had linked it incorrectly to another persons account. I did nothing wrong. However Chase still was closing the account they could do nothing. I asked about them then opening a new account as they were the ones to mess up not me. I was flatly told if I wanted a Chase account it was up to me to go reapply. I recalled and asked additional agents. Emails were sent to the CEO of consumer banking and the Chairmans office. Nothing ever answered. I am owed back my XXXX money. I should have the bonus. Now I have no account for the SSXXXX  check. Chase thinks its fine. They XXXX  up on their systems. They call me the liar despite the proof is in their hands and they do nothing for service.
Consumer complaint received 2021-04-01
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: Coast to Coast Financial Solutions, Inc. (CA)

There is no written communication or any legal proof for the alleged debt to claim ownership anybody can send a bill but that doesn't mean the debt is legitimate. I do not recall being associated with this company. FDCPA section 809 states if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!
Consumer complaint received 2022-07-18
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. (SC)

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. State 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 2020-11-03
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (CA)

Im am having a very difficult time working with Shellpoint for a FHA short sale approval. We have done everything Shellpoint has asked for. We placed the property on the market at the approved value completed by Shellpoint. We have submitted a short sale offer with the requested NET to NEWREZ/Shellpoint of {$360000.00}. We have also removed the requested liens that FHA will not pay. 

Over the past couple of days the assigned rep. XXXX XXXX has been somewhat difficult to work with. He keeps asking for documents we have already sent more that once. Hes asking underwriting and processing questions that make no sense. After a week of confusion he is now stating we have to remove the relocation assistance of {$3000.00} for the Seller XXXX XXXX. Shellpoint has stated in print and verbally over the phone she would be eligible for relocation assistance. In 12 years in doing short sales I have never seen FHA deny relocation assistance to a hardship file. Ever. The XXXX family is losing their home due to a medical hardship and based on the info Shellpoint provide they were expecting that to help them relocate. These are funds that are needed for this family during the time of COVID.
Consumer complaint received 2021-02-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (CA)

On XX/XX/03 I changed my password to my digital wallet on coinbase.com. After entering in my new credentials I was prompted to complete a 2 step authentication to successfully access my account. The 2 step authentication is to receive an 7 digit code via SMS text message to my phone number I have on file with coinbase. After entering the code into the coinbase website/app I would be able to access my account. The issue is I am not receiving the text messages with the code and I don't know why. My phone number and all my other contact information has NOT been changed. In the past I have received these text messages and this is the first time I have encountered this issue. There is no other alternative option to receive this code so I have not been able to access my account for 8 days now. I have opened a case with coinbase on XX/XX/03 ( case # XXXX XXXX but I have not heard anything back. I tried contacting them multiple times but yet still no response. I need to get access to my account ASAP as I am losing potential earnings.