davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-13
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. (IL)

In accordance with Fair Credit Reporting Act everything has to be XXXX percent accurate on my consumer report the credit agecnys and its furnisher stated that the account was properly reinvestagated and verified, XXXX XXXX XXXX XXXX XXXX XXXX, still reporting inaccurate court name, address, and docket number. Clearly has violated my rights -15 U.S.C 1681c ( A ) ( 1 ) Information excluded from consumer report except authorized under subsection ( b ) of this section no consumer reporting agency may make any consumer report containing of the following item of information, case under title 11 ( United States Code ) or Under the Bankruptcy Act, that from the date of entry of the order for relief or the date of adjudication- 15 U.S.C. 1681section 604 ( A ) ( ( 2 ) it states a consumer reporting agency can not furnish a account without my written consent- 15 U.S.C. 1681 States i have the right to privacy-15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable cause to believe that the informaion is inaccurate
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Avant Holding Company, Inc. (NY)

I applied for a credit card to improve my credit score. The card was referred to me through XXXX XXXX. The credit card I applied for and was approved to get is Avant ( product of XXXX ). I was approved in XXXX of 2022, I haven't received the physical card as of yet. I communicated with there customer service a total of 7 times in reference to not receiving the card to no avail. I had two of three cards cancelled due to not receiving them. The third card was issued over 7 days ago and I haven't received it. I have been charged the {$39.00} annual fee without having the physical card. I XXXX   Avant credit for reviews and this seems to be a common issue of clients not receiving their Avant credit card. I just want my Avant credit card.
Consumer complaint received 2022-07-16
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: WELLS FARGO & COMPANY (PA)

My name is XXXX XXXX XXXX, and I am writing on my own behalf to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not authorize any of the following charges/inquiries. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's identity theft affidavit. I request for the items listed in this report to be removed as soon as possible.
Consumer complaint received 2022-07-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (LA)

On XX/XX/2022 I notified CFPB of a forebearance I was given by Mr cooper mortgage company. CFPB OPENED AN investigation and mr cooper responded with an approval of my forebearance with correspondence letters being sent to CFPB dated XXXX XXXX showing I was approved for forebearance through XXXX XXXX, and removed negative items from credit report after sending me a letter stating they didnt put it there. which can be found on the CFPB website. Also the letter stated no delinquency will be reported to credit reporting agencies. However, Mr cooper has not honored the agreement they have sent you or I. The first XXXX months I was in forebearance I continued to make payments even though I didnt have to. ( XXXX XXXX XXXX  ) I never missed a payment. This is the second forebearance they have granted me and my second complaint with CFPB. ( XXXX ). The reason for my complaint is the same as the first time. They have reported to credit reporting agencies and my score has dropped over XXXX points leaving me unable to refi my first and second mortgage which was one of the reasons I needed the forebearance in addition to the hardship. My score has gone from a strong XXXX from me working so hard to get it there to XXXX. Ive called them repeatedly to rectify this and each time Ive gotten different people stating Im in a forebearance and others stating Im not. Some telling me they are sorry Im not in a forebearance because the loan matured. Well, for XXXX months Ive been told and have been thinking I was in forebearance until XX/XX/2022 because this was what I was told. CFPB was sent correspondence stating Im in forebearance and so was I. Never was I sent a letter stating I wasnt. This is unacceptable. All the company can tell me is I owe XXXX. My most recent call was Thursday and the young lady told me there was a glitch in the system but her and her supervisor was working to fix it so that the correct information would be sent to credit reporting agency. And it should be taken care of in XXXX days. Then Friday I spoke with another lady who stated very unconcerned shes sorry but there is no forebearance and none could be done. Saturday spoke with XXXX who took the time to read all notes listen to my grievances and stated he would send to escalation who I know cant help me with this. Now my credit is ruined. I cant get a loan. Time is running out! I cant get a parent loan for my XXXX  who is in college that Ive gotten for the last XXXX years because that was denied because of this too. And all they can tell me is they are sorry. My first mortgage is XXXX. It is current and I pay on time! I will not allow mr cooper to steal my home over XXXX. Because I feel this is their agenda.
Consumer complaint received 2022-07-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (OK)

Carrington Morgage Services bought our loan in XXXX for {$200000.00} while we where in forbearance. We laid out our plans to exit forbearance on XX/XX/XXXX & move the missed payments to the back of the loan in XXXX. In XXXX we Contacted Carrington about coming out of forbearance. Carrington tried to push us into paying the missed forbearance payments up front or over a 3 month time frame. Plus they told us the amount due on the loan was {$200.00} XXXX. When we bought the home for {$200.00} XXXX & made 5 or 6 months of payments, with a 2.86 % interest rate before entering forbearance. Based on that we filed a complaint. Now Carrington is refusing to take a monthly mortgage payment until the missed forbearance payments are made and they raised out monthly Morgage payment. They did this because we have not paid them the missed forbearance payments or signed the paperwork agreeing to terms they are trying to impose. I have audio recordings of Carrington refusing payment and trying to blackmail us. I am willing to forward all audio recording in this matter. We don't want to lose our home so Carrington can exploit us for profit and this is a V.A. home loan.
Consumer complaint received 2022-07-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (FL)

Received a debt card from Chime that listed my account number asking me to finish up signing onto my account. I have never had any contact with Chime and never requested an account of any kind with them. I have emailed them on XX/XX/2022 explaining that and requested the account be closed. This comes on the heels of having a credit card stolen on XX/XX/2022. The card from Chime arrived on XX/XX/XXXX. XXXX. There has been no money lost as of yet. Trying to prevent that from happening.
Consumer complaint received 2019-08-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (PA)

I believe Bayview Loan Servicing, LLC., is trying to take my home form me. I currently owe less than XXXX XXXX dollars. So, in less than 4 years my home will be paid for. Approximately 2 weeks before being switched to this company, XXXX XXXX   notified me that my mortgage was sold to Bayview Loan Servicing LLC in XXXX XXXX, Florida. The sale occurred in the middle of XXXX, XXXX. Because of my impending divorce and my husbands refusal to abide by the judges ruling, ( mandated XX/XX/2019 XXXX, that he continue to pay the mortgage, I fell 3 months behind in paying my mortgage. The house is only deeded in my name. After being charged with contempt, out of fear, my husband began making partial payments in XXXX, but to date he still owes for mortgage payments in arrears. Albeit, the last two payments he has made have been full payments. 

The representative from Bayview who I was assigned to me is, XXXX XXXX. She is an unprofessional mean-spirited liar. She has failed to communicate with me even when I have made appointments to speak with her via telephone. I have made five appointments that she has not adhered to. Then she lied and said she called, but there was something wrong with my phone. She refuses to answer her business phone when I call. She rejects my email messages. she has lied, stating that I made repayment agreements I never consented to. She has sent me documents with erroneous information in it and tried to get me to sign those fabricated documents. She has refused to offer me more than one repayment option on the back-mortgage amount I still owe. I have asked Customer Service for a different loan officer, but my request has been ignored. I am beginning to believe that she is the only women working at that company. 

Yesterday, XX/XX/1019, my husband made two full back payments. But although Bayview listed both payments on my statement for XXXX, they only credited my account for one of those payments. At this point, I owe less than XXXX dollars in back mortgage payments. If the payment that I wasnt credited for was added to my account, I would owe less than {$3000.00} dollars. So, today, XX/XX/2019, I tried to make a partial payment of {$1500.00} dollars via Bayviews website. That way I would be completely caught up before the end of XXXX. I was informed that I could not make a payment. Furthermore, I was informed that before I make any future payments, I must consult with XXXX XXXX XXXX. There is something very sinister about that company, and there are plenty of negative reviews online and requests by disenchanted consumers to start a class action suit against the company.
Consumer complaint received 2022-07-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days
Consumer complaint received 2022-07-16
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account no XXXX XXXX XXXXXXXX XXXX Account No : XXXX XXXX XXXX XXXX XXXX Account no : XXXX have 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 2022-09-03
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. (MD)

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurately reported. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do an immediate action regarding this matter. 
XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2022-07-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MI)

I've had covid XXXX times. I've lost my income. I've been struggling to make my cc payments. I have my cc set on Auto-Pay for the minimum balances in an effort to maintain the credit agreement I entered into with the creditor. 
I checked on my account and saw that my credit limit was decreased. No problem, I continued to pay and even made a {$100.00} payment to bring my balance down a little bit. 

When I checked my account today, I see that I've still been on auto-pay with the amount determined by the cc company BUT my balance never goes down! It's still increasing! they are charging me more interest and never adjusted the monthly payment to impact it! 

I called them today and asked them about it and the agent explained to me " how interest works. '' I told her that I understood how interest works and that wasn't my question. My question was why didn't the minimum payment adjust so that my account would be 'correct ' and my balance go down and not up? She hung up on me. 

I called back and spoke with an agent named " XXXX '' and he also wanted to explain interest to me. I let him and then asked my question again. He told me " you just need to pay the balance off or make a big payment if you don't want more interest ''. Again, I understand how interest works. but I lost my income and am unable to just make a large payment. AND the cc lender is not doing their part correctly. They are making the minimum required payment so low that it never impacts the balance to go lower. This HAS to be illegal!
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (FL)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-05-18
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: EQUIFAX, INC. (AR)

My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report.
Consumer complaint received 2020-01-23
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. (MD)

EXPERIAN, XXXX, AND XXXX ARE KNOWLY AND FALSELY REPORTING INFORMATION FROM XXXX XXXX AND XXXX XXXX ON MY CREDIT FILE THE OPENED DATE AND THE DOFD DATE OF FIRST DELIQUENCY.
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

All 3 credit reporting agencies show inaccurate information on my reports. My XXXXt loans are consolidated into two accounts. I requested that the individual accounts that are transferred and closed be removed. I have accounts that have inaccuracies in dates open and last active reporting. I am making the effort to clean up my credit report to prepare to buy a home in the next 6 to 12 months. I would like to take definitive steps to improve my credit report and need the cooperation of the credit bureaus. I sent correspondence on XX/XX/2020 and some items were deleted. I filed a personal address dispute with XXXX this month and they will not remove addresses that are not mine.
Consumer complaint received 2022-07-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

It started off in XX/XX/XXXX I deposited {$1000.00} ( one of 5 deposits ) from my XXXX XXXX XXXX to Coinbase & I bought {$1000.00} XXXX XXXX. Even after my bank cleared funds. Rather than XXXX hold and clear funds for 7- 10 days, they held my coins hostage for 21days in some cases. 
I got notification from Coinbase that Attached is the Email Verification. 
Subject line : Your available balance has increased by {$1000.00} USD. Logged in and Money was not there. 
I called their customer support XXXX said the funds would be available XX/XX/XXXX... 
another rep XXXX said the funds were released, Logged into my account XXXX acct. 
and I don't see the money available in my account.The deposit showed up into my account But I NEVER had Access to it ... it Disappeared ..I have called and emailed in almost a dozen times with different case numbers each time. 
Coinbase is always experiencing major outage as crypto prices plummet..and they hold your funds hosttage. 
They holding customers funds without access, causes loss and financial hardship. If your funds are held to clear, and you have no access, how could it loose value? 

XX/XX/XXXX they tried telling me to go and download the PDF history, I did, it shows my deposits BUT cant show the $ $ value of account at or after any transfer transaction in US dollars out of Coinbase..I have asked for them to locate and explainwhat happened in my account and all I get is look at the PDF It reflects $ amts when Bought but does not disclose the $ value when sent.So customers are at a loss.

By the way I only had access to {$4000.00} of the {$5000.00} I deposited Within XX/XX/XXXX to XXXX a $ XXXX XXXX acct lost $ XXXX? 
Also Coinbase holds our Coins eg. XXXX for unreasonable amount of time even when the banks shows funds are cleared. Customers are not able to access coins to trade to avoid market drops, causing hugh loss.They need to restore my Funds and other customers as well. 
All I want is them to stop cheating, holding our funds Hostage and refund mine and the many customers that has lost $ $ with them.