davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I called Experian Credit Report agency on or about XX/XX/2018  to dispute status on a fraudulent collection account with XXXX XXXX XXXX Account # XXXX for the amount of {$360.00}. for a medical bill I did not have service or does this bill belongs to me. I have also filed a police report and provided all the necessary documents and a copy of my Driver 's License which bears my current address. They still refuse to remove the item stated that I must contact the Collection Company on file and update my personal information with them to make my claim valid. This has been on going now for a few months and now results.
Consumer complaint received 2023-12-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: LAKEVIEW LOAN SERVICING, LLC (OH)

Lakeview is only offering a loan modification that changes my interest from XXXX to XXXX and increases my mortgage {$300.00} after covid 2019 forbearance on my FHA loan. They have told me that is my only option other than paying the balance in full. I am being forced into foreclosure. When I applied for my forbearance, I was told one of my options after forbearance ends would be to keep my current monthly payment and add the balance to the end of my loan. They are now refusing to honor that. I even asked them to pull the calls. Per my understanding of HUD XXXX XXXX, they should also offer me a repayment plan without changing my loan terms but they refuse.
Consumer complaint received 2024-11-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ), I am disputing the following collection account that appears on my credit report : Collection Agency Name : XXXX  Account Number : XXXX Amount : {$350.00} Account Date : XX/XX/year> I do not recognize this account and believe it was placed on my credit report without proper authorization
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2018-01-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CO)

Coinbase.com has locked me out of my account and will not respond. I was locked out when I attempted to open an account with XXXX, their sister-company, which shares login credentials. After attempting to enter my Coinbase account credentials, as instructed, I was locked out of both XXXX and Coinbase accounts. 

I 'm unsure how much of my money Coinbase is currently holding as I 've not been able to check my balance. 

I initiated the following trouble tickets, neither of which has gotten any sort of response from their support department. I also spent 2.5 hours on XX/XX/XXXX on their support number ( XXXX ) where I was told that the account was locked in error and that they would escalate the issue and that it would be resolved in approximately 5 days. ( They made the same statement in an email I received from them on XX/XX/XXXX.  See email text below ... ) Existing tickets : XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX After calling in, I got the following email response from Coinbase ( date : XX/XX/XXXX ) : >  Hello, and thanks for reaching out. 
> > Ive taken a look at your account and it appears that you are not currently eligible to create a purchase order. This restriction may have been applied in error. 

> Ive just escalated your case to our subject experts who will be completing a review of your purchasing eligibility shortly. 

> You will receive a notification email if were able to restore your purchasing ability. 
> Please note that while these reviews are typically completed within 4-5 business days, it can sometimes take longer depending on our current case volume. 

> For security reasons, Coinbase can not guarantee eligibility for every account. If your account has experienced chargebacks in the past this, as an example, can impact your eligibility.
Consumer complaint received 2018-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (GA)

I have filed a criminal application in XXXX XXXX magistrate court for next Monday. XXXX has not complied with the subpaeona. they sent me a form for deceased husband to sign authorizing access and a bill for {$230.00} to print out copies. XXXX and XXXX have quashed. Chase mortgage in XXXX did not return receipt. XXXX XXXX was informed of noncompliance with certified mail and return receipt numbers. District Attorney was informed of crimes. XXXX. XXXX. Thanks for your influence. Responses but still unproductive. XXXX transfer letter yesterday.See att evidence. Please help.
Consumer complaint received 2016-08-26
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Resurgent Capital Services L.P. (IL)

I refinanced my home with The XXXX XXXX Bank in XXXX in XXXX 2016. XXXX sent a cashiers check to LVNV Funding / Resurgent Capital Services to payoff a judgement filed against my deceased husband that became a real estate lien due to non-payment. After many telephone calls by myself and my banker, we received a letter dated XXXX XXXX, 2016 stating that the lien had been satisfied and the release of judgment will be filed. No such release has been received by XXXX XXXX as of this date. I feel that this release should have been taken care of many months ago. I am sure that my bank would have taken care of this in a matter of days, not over 6 months.The bank 's attorney sent a letter to LVNV / Resurgent Capital Services on XXXX XXXX, 2016 with no response. Your assistance in this matter will be appreciated. I wish all financial institutions treated customers as XXXX and XXXX XXXX XXXX Bank in Staunton does. They do it right.
Consumer complaint received 2018-01-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NC)

I struggled to make monthly payments on several student loans totaling just over 90,000 since I had left school before graduation I was unable to consolidate my loans. Some of which had interest rates over 10 %. After falling behind on my loans I recieved multiple daily harassing phone calls and letters. Several members of my extended family also received calls where reps claimed they had been listed as contacts on my loans ( they were not ) It was offered to put me on a payment plan. In return for 6 months of payments my account would be brought current. I set up an automatic deduction from my bank account and completed those 6 months of payments. At the end my account was not brought current. When I questioned this I was told the funds were not applied to one of my loans and therefore they were all ineligible to be brought current. This issue was never resolved and I defaulted on my loans after almost 40k of interest was added to them over 10 years.
Consumer complaint received 2018-01-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: SUNTRUST BANKS, INC. (NC)

Purchased a boat trailer ( XXXX # XXXX ), title # XXXX on XX/XX/XXXX with a bill of sale, since title was apparently lost. The lien issuer on the title, once recovered is : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX. This bank was evidently acquired many years ago ( possibly in the XX/XX/XXXX 's ) and is supposedly operating under the name of Sun Trust Bank in XXXX, NC. The FDIC said the lien could be released, but apparently it is technically still in business, under the name of Sun Trust Bank. The DMV, whom I have approached numerous times, says they want the license tag back if I can not get a release of the lien on the title. Have had the trailer inspected by the License and theft bureau of the DMV. Have also, at the request of the DMV purchased an Indemnity Bond on the above trailer. I spoke to a manager of the said Sun Trust Bank in XXXX and while they said they would be happy to release the lien, Sun Trust had no connection to the XXXX XXXX XXXX that was once located in XXXX, NC. 

The original owners on the title are : XXXX XXXX XXXX and XXXX XXXX XXXX Now residing at : XXXX XXXX XXXX, XXXX, NC XXXX
Consumer complaint received 2018-01-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (HI)

Over 50 accounts open closed most UNOTHERISED Signature is forged on multiple loan documents NOTARY not athntic the total of 4 CA Acknowlegment Docs bogus includes traced and photocopied and deed of TRUST stamp not from county clerk 's office thousands of dollars in unexplainable payee unknown deposit transfers from lines of Cridet to checking withdrawal turns into a double withdrawal OVER OVER 400k in lines of credit and rolling mortgage loans Unotherised payments jump higher and higher loan number are replaced not to be confused with a refi, OVER 900k home loans payments lost, checking account numbers changing off by 1 ending diget, unauthorized tele transfer mutilable times, failed to return notary journal to county record. See PDF for details there more but I think that 'll be enough for now. Mutilable accounts hijacked ending in over 3 million in lost of business and savings also property before the scandal. Thank You for your help in this matter.
Consumer complaint received 2018-01-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX. We bought airline thickets for my wife and myself for XX/XX/XXXX. 
For {$420.00} and {$430.00} from XXXX XXXX. 
The flight was at XXXX XXXX 
We arrived at XXXX We had the tickets on my wife 's phone. 
We prepare to get online for boarding like the rest of the people. But then we noticed that our thickets were block. It wo n't open. So coud n't board. 
I call the boarding desk and were told that they wo n't allow us in that flight. That another flight was available the next day for additional {$500.00}. 
To us did n't sound it fair. 
They overbooked! 
Then a week later they open our phone telling us to go boarding in XXXX XXXX Nevada airport! 
Of course we were in XXXX Texas in our home! 
I told our bank Bank Of America not to pay. 
We explain everything that happened. 
But ignoring our wishes. 
On XX/XX/XXXX they pay XXXX XXXX. 
I have called Federal Trade Commission Governor XXXX XXXX of Texas XXXX XXXX XXXX this frivolous charges Thank you.
Consumer complaint received 2018-01-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

BACK IN XXXX/2017 I SENT COMPLAINTS TO CHEX SYSTEMS CONCERNING ACCOUNTS THAT WERE INCLUDED IN MY BANKRUPTCY AND COMPLAINTS TO ALL THE BANKING INSTITUTIONS CONCERNING MATTERS THAT WERE REFLECTING AS AN OPEN COLLECTIONS UNDER MY NAME WITH CHEX SYSTEMS. I RECEIVED A RESPONSE FROM ALL THE FINANCIAL INSTITUTIONS STATING THAT THESE ACCOUNTS WOULD BE REMOVED FROM CHEX SYSYTEMS. 

TO DATE CHEX SYSTEMS HAS NOT REMOVED THESE ITEMS AND THESE COMPLAINTS WENT THROUGH THE CFPB BECAUSE CHEX SYSTEMS REFUSED DELETE THESE COLLECTION ITEMS FROM THEIR FILES. PLEASE FIND THE FOLLOWING COMPLAINTS NUMBERS : XXXX CHEX SYSTEMS XXXX CHEX SYSTEMS XXXX XXXX XXXX XXXX CHEX SYSTEMS , INC . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHEX SYSTEMS , INC . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I RECEIVED RESPONSE FROM A BANK INSTITUTION THAT MY SCORE IS VERY LOW WITH CHEX SYSTEMS DUE TO THE FOLLOWING : Chex Systems Consumer Score : XXXX Scores range from a low of XXXX to a high of XXXX. 

Key factors that adversely affected your credit score :  XXXX PREVIOUS DEBIT INQUIRY HISTORY XXXX CREDIT ACTIVITY : EXCESSIVE RECENT INSTALLMENT TRADES XXXX REPORTED DEBIT CLOSURE XXXX DELINQUENT OR DEROG CREDIT BEHAVIOR XXXX CREDIT AND CHEX INQS MAY HAVE ADVERSELY IMPACTED THE SCORE
Consumer complaint received 2018-01-16
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. (TX)

File # XXXX The Following Inquiries have been placed on my report without my authorization ; written or verbal and I have requested removal. Transunion responds only to tell me what an inquiry is. My concerns have not been given the needed attention to be addressed. 

The following inquires should be removed : XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX- I did not request this. This item should be removed from my file per fcra. I was sent this card in error and immediately had this account closed as I did not authorize this. 

XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - these were supposed to be coded as soft inquiries for account review and should therefor be removed per FCRA XXXX XXXX XX/XX/XXXX, XX/XX/XXXX - I did NOT authorize these two inquiries and requested removal per FCRA XXXX # XXXX - This item is reporting as current or paying and is misleading as if I still have this account. However, this account has been closed for at least 4 years and was absolutely never late. I requested this inaccuracy be deleted from my file
Consumer complaint received 2018-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: American First Finance, Inc. (IL)

Collections agency on behalf of the original company continued to make harassing calls regarding a debt after being informed that the debt was discharged with Chapter XXXX Bankruptcy. Representative threatened to take additional legal action and notated the account as refusal to pay.
Consumer complaint received 2021-10-13
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: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-02
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (OH)

XXXX, XXXX Ace Elite-Netspend, my debit card holder sent text alert of potential fraud activity on my account. I tried to login to check activity but was blocked. Called Ace-Netspend. Someone got into account, was able to change pertinent information such as user ID, password, mailing address, alert messages and got virtual cards from account as well as spent total of XXXX from XXXX stores in XXXX XXXX  XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. XXXX not only permitted the charges to post to my account after I reverified multiple times proving that that is absolutely not me nor did I purchase any of these items. Card was blocked, new one issued. Then I am given access back to login to bank, account continues to be blocked and me reverifying it to unblock. Yesterday evening, XX/XX/XXXX my new card arrives. Today at XXXX I try to login to activate it, it was blocked again. I reverify. Unbeknownst to me I am assuming that all the login blocking was standard procedure until my new card arrives. At XXXX, not even an hour and half later I recieved another text message from Ace-Netspend of fraud activity. I immediately call, agent stated that my account was compromised again and now I am angry and panicking because now I have a new card that I just activated and have not even used this card, and this company allowed someone back in again to switch my information and tried to purchase more virtual cards??? How is this possible now, unless someone inside the department is stealing data! Ace-Netspend called me back, I again reverify, and at the close of the call, instructed me to immediately follow the link to reset password again. When I do so, it automatically opens the account upon reset. I am now in my account and can see the info from the culprit such as email address that was switched, mailing address that was switched, and XXXX virtual cards! As I am freaking out waiting for Ace Netspend to pick up my call, the person that hacked in my account steadily kept switching that information back! And now, no one from the company will pick-up my calls. I am automatically placed on hold. I do my best to keep the login opened to prevent any further harm to my account and race to the police station. By the time the police were able to make the report, I was booted out my account and it was blocked. I hate this company. This is my money! And they are just casually letting whoever with minimal info in my account, switch my info, make purchases, and then text me? It should have been blocked the moment someone else was trying to get in!
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXXXXXX. Account # : XXXXXXXX XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2018-01-16
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: CORELOGIC INC (MD)

I spoke on the phone to XXXX XXXX XXXX on XX/XX/17  whom I have my mortgage with, I was told that they could lower my interest rate, and I told them there were a lot of companies telling me the same thing. I agreed that they could pull my credit, but never saw them on my credit report, but did see XXXX/ Credco on all three of my credit files. I did not authorize XXXX/Credco to pull my credit, when I contacted them they told me that they were a third party and they had a software that other companies used. XXXX did not mention anything about this,. XXXX should have informed me that they were using another company, if this is what they did, but XXXX nor Credco/XXXX have anything in writing from me given them authorization to pull my credit. XXXX /Credco refuse to remove this inquiry.