davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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 2018-06-05
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: CITIBANK, N.A. (NY)

On XX/XX/18 I received an alert on my credit report stating that Home Depot has inquired a hard hit on my credit report. I am very confused because I did not ask for a credit card or gave Home Depot permission to run a hard inquiry on my report. I did go to the store to purchase a car battery and the clerk XXXX stated that she tried to give me a 25 percent  discount off of the battery but she was unable to do so. I asked does she have a promo code and she said it wasn't working but she can give me a military discount of 10 percent but in order to do so she needed my id to verify it was me. When I got home a received an alert, so I believe the clerk XXXX at store number XXXX at XXXX XXXX XXXX, in XXXX, NY ran my credit without my permission and lied about that she needed my information to verify it was me receiving the discount. I am astonished that this has occurred so I wrote an email to the CEO expressing my complaint. I did not receive a response back from the CEO, but I did get an email from the credit company ( Citi Bank ) explained that my concerns were forward to them from CEO of Home Depot and they would look into my concerns, but phrased the email as I had gave permission to run my credit. I reiterated that I did not give permission and this is considered fraud. They again stated they would look into this matter and get back to me. As of now I have not heard anything and the hard inquiring is still reflected on my credit report. I would appreciate it if you can assist me in removing this hard inquiry of my credit report as I did not give permission to Home Depot to run my credit and this is unlawful. Thank You XXXX XXXX
Consumer complaint received 2018-04-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

SPS LN XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX We have an approval from SPS for the previous buyer ( issued on XX/XX/XXXX and good through XX/XX/XXXX ). This buyer backed out at the last minute and we submitted a new offer on XX/XX/XXXX to SPS. SPS had acknowledged receipt and has been telling us for the last TWO WEEKS that the offer is under review. Now, all of the sudden, they are refusing to work on the new offer claiming the auction date is too close. In previous conversations with SPS they stated the full package and offer must be submitted more than 37 days of the auction date ( XX/XX/XXXX ) so that there is time to review for the approval. Instead of reviewing the offer that was submitted more than 37 days prior to the auction date SPS is now making up new numbers and claiming the offer has to be in within 47 days. 



-- -- -- -- Our new offer was submitted WELL before the 37 days prior to this auction date and SPS is STILL REFUSING to review the new offer. Its not as if we were asking SPS to re-view completely new terms - the buyer can close very quickly as it is an all-cash offer AND the terms for the new buyer were exactly the same as the old buyer. 


-- -- -- -- When pressed on the date discrepancy between the 37-day rule and the new 38-day rule, SPS came up with a flimsy excuse, saying they wont review the new buyer because they were working on an extension for a previous buyer and were unaware that that buyer had walked during the extension review. I find this to be disingenuous at best because as soon as we knew about the new offer, we told SPS and provided them with another offer the same day. There was no hiding of any facts or deception by us in regards to the status of the buyer. 


-- -- -- -- ****Additionally it is important to note that the ONLY reason the extension was requested in the first place was due to the other THREE LIENS with the FTB and the IRS , on the property, which we have already started work on getting removed so that we can close as quickly as possible. In fact, the IRS has already issued their release, and the FTB is only days away from issuing their release letter. Both releases are at NO COST to SPS nor the homeowner.

-- -- -- -- Normally, SPS approval letters allow 45 days to close. SPS only  gave 30 days on this one. WHY???? Is it because he's XXXX? 


-- -- -- -- I want the new offer to be reviewed. There should be no issues or further delays, as the terms of the offer are the exact same as the ones SPS already approved. We may need a small extension to the approval letter itself, in order to obtain the THREE Lien Releases from the FTB and IRS there is nothing we can do about this-we cant make them disappear. ************* HOWEVER, we will close prior to the auction date of XX/XX/XXXX we just need an approval for this new buyer.
Consumer complaint received 2018-06-05
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY (MO)

I open a credit card with XXXX XX/XX/XXXX I was late in XX/XX/XXXX due to financial hardship due to job loss I have tried to get them to remove late payments since I have been current with them since XX/XX/XXXX they have refuses to do that stated they can not remove them from credit bureaus
Consumer complaint received 2018-04-19
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. (CA)

TransUnion credit reporting bureau has not removed " XXXX XXXX '' account from my credit report after I provided evidence to TransUnion that " XXXX XXXX '' can not provide proof of contract between I and " XXXX XXXX  '' for the collections account in question.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX INQUIRIES : 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 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 Account Name : XXXX  XXXX  XXXX Account Number : XXXX
Consumer complaint received 2018-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Commonwealth Financial Systems, Inc. (FL)

A company named Common Wealth finance has put the same charge entry as new 12 separate times at the same time with a date of XXXX XXXX, XXXX on all three of my credit report recently. When all of those medical charges are old and should have been charged off 5 years ago with them possibly dropping off within the next two years. Now if they stay on there they won't come off until XXXX which will keep me from buying a home or a car.
Consumer complaint received 2024-10-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (SC)

I opened a Coinbase account several months ago. I signed up as a premium " Coinbase One member ''. The account is in the name of XXXX XXXX XXXX XXXX XXXX XXXX ( our local church ), of which I am the CEO ( XXXX XXXX ). The email address for the account is XXXX. I had a weekly auto buy order setup with no issues for months. All of a sudden my auto buy order is cancelled, my bank account link is gone, and my account is restricted and I can not add any bank accounts or sell any crypto or transfer any. I re-verified my identity successfully however my account is still restricted. I called Coinbase XXXX  priority support and was put on hold for over 30 minutes and had to go before they could get to my call. I opened up a support case ( # XXXX ) ; and filed an official complaint with Coinbase ( # XXXX ) ; however, Coinbase will not allow me to transfer my assets off of their platform or withdraw to my bank account. I have exchanged multiple emails with Coinbase, however, they refuse to allow me to access my own assets that I purchased on their platform. All they say it that the account is " under review '' ; and nothing else. This is ridiculous. I've heard from others that they do this for months and they are holding my assets hostage. I simply want my assets and cash back! They have no legal justification whatsoever to deny my request for my assets. I've jumped through all of their hoops and did ID verification multiple times. They need to be held accountable for not letting me access my assets back.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I'm reaching out for help regarding the inaccurate account listed on my credit report. This issue has caused harm to my reputation, and I rely on your assistance to address it. Due to your mismanagement of my credit information, my credibility has suffered. I urge you to remove these mistakes from my credit report.
Consumer complaint received 2018-06-05
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. (LA)

I have been trying to fix a problem with XXXX since XX/XX/XXXX and they continue to lie. They just lied to this Bureau again about not having submitted info on my credit report. On the last complaint I filed XXXX they stated they did not report info on my credit report and I have proof that they have been. I am trying to buy a car and they have ruined my credit with an account that has been investigated over and over and proven not to be mine!!!
Consumer complaint received 2018-04-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BCA Financial Services, Inc. (NJ)

I received a collection notice from BCA Financial Services , Inc. stating I owe {$85.00} to XXXX XXXX XXXX XXXX  ( act # XXXX  ). I never signed anything that reflected that I owe anything to XXXX. My husband is an employee of XXXX which recently acquired XXXX  and our insurance fully covers us. XXXX used doctors that were not part of our health plan without our consent therefore we do not think we are obligated to pay this debt. This is a shady practice by both XXXX as well as the debt collection agency they hired. Last I checked all the valid medical expenses have already been paid by my insurance company.
Consumer complaint received 2018-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TN)

i applied for a car loan on XX/XX//18 and the company told me there was a fraud alert on my credit report Equifax, The date of birth was incorrect. i have called numerous times, they asked me to fax my birth certificate, SS card and drivers license to a given fax number, i did this over the course of the past 4 days and they said they do not have my information, i have faxed over 20 times. they will not let me scan to any certain individual or talk to the mail room where they say the faxes come in at, they can not tell me if they ever received it or they said it may have been illegible and they shredded it but no one can tell me anything and no one will help me make sure someone is receiving my faxes. they said they are in the XXXX and the fax is in XXXX, GA but there is no one in XXXX i can talk to so i can confirm my fax is getting there. This is very frustrating all i want is someone to confirm getting my fax and that everything is legible to be put into the system. 

thanks XXXX
Consumer complaint received 2018-04-19
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: Experian Information Solutions Inc. (PA)

I have a mortgage showing on my Experian credit file from XXXX XXXX. This mortgage was obtained in XX/XX/2002 by my mother. We both have the same name and I'm certain this is probably why her mortgage is was mistakenly placed on my report. The mortgage is not negatively affecting my report, however I am now trying to obtain a mortgage myself and this is causing a problem for me. When the home was purchased I was only XXXX old at the time which would make it impossible for my to obtain a mortgage, I was only in the XXXX XXXX. I have made attempts to have this removed so that I can start my home buying process but it has been a hassle. My mother and I do have the same name, however our social security numbers, age, and other things will verify that this mortgage DOES NOT belong to me and I am requesting that it is removed from my Experian report and any other report it may be reporting on.
Consumer complaint received 2018-04-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (GA)

Hello, I closed on my home in XX/XX/XXXX. I had an FHA loan. The Value of My property as listed in my mortgage company 's system is {$45000.00}. My initial Total Loan was for {$47000.00}. 

I was reported that PMI on my loan would be removed once my principal balance was less than 80 % of my total loan AND once my loan was 5 Years old. 

The 5 Year Mark was XX/XX/XXXX. 
80 % of my total loan is {$38000.00} 78 % of my total loan is {$37000.00} Here is the history for my principal balance : XX/XX/XXXX Principal Remaining {$37000.00} XX/XX/XXXX Principal Remaining - {$37000.00} XX/XX/XXXX Principal Remaining - {$37000.00} XX/XX/XXXX Principal Remaining {$36000.00} I have reached out multiple times included today to my mortgage company without giving a reason to why it hasn't been removed. Today I was told it was be a system error in one of their departments and to submit another email request to see if it gets taking care of. Instead of submitting another email request, I would prefer to try this route now to ensure the right people are looking into the situation.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2018-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

I've been a student with XXXX for a few years as I was taking classes while serving in the military. On XX/XX/XXXX, I stopped taking classes because I was separating from the military and transferring from XXXX University  to XXXX   XXXX University. In XX/XX/XXXX, XXXX University  placed a hold on my student account. I am unable to access my official transcripts and other documentation. I have made several attempts in contacting my advisers and other branches of XXXX over the course of several months. I finally spoke to a man named XXXX XXXX through email about my account. He stated I ONLY needed to update my financial information about how I will be taking future courses with XXXX. Which made no sense because I did not want to continue my education at XXXX, however, I sent the form in, to update my financial information. After I sent the form, XXXX XXXX XXXX stopped replying to my emails. I then made several calls to my adviser and made sent several emails ; none were replied to. On XX/XX/XXXX, I got hold of the financial office and spoke to a gentleman. He stated the holds on my account are because I owe XXXX University $ 2000+. The balance includes two of my latest student loans through Navient. He states that because I withdrew from XXXX University after my class in XX/XX/XXXX, XXXX had to refund money back to FAFSA for the classes I did not take after my last class. He states that because XXXX had to refund the money back to XXXX, I owed XXXX that balance. I told him it doesn't make sense that I owe money back to XXXX for classes I did not take. He then replied and stated that the money I owe XXXX is because of the loans I took out from Navient. This would mean I now owe student loans to XXXX AND Navient for the same loan. After arguing my case, the gentleman stated he was just going to email me a breakdown of what and why I owe XXXX $ 2000+. however, I have yet to receive this email. It doesn't make sense. The attachment is me speaking to XXXX XXXX through email.
Consumer complaint received 2018-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MN)

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX GA XXXX  RE : Intent to file lawsuit, HIPAA Privacy Violation Validation Letter sent to : { XXXX XXXX XXXX } Accounts # XXXX  # XXXX # XXXX  # XXXX and other accounts from the same company of XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA.

{ XXXX XXXX XXXX   } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, MN XXXX
Consumer complaint received 2018-04-19
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)

Dear CFPB, I'm writing for sincere assistance with correcting some information on my credit report which is hendering me from gaining employment, and getting financed for housing. 

PLEASE VERIFY THEY HAVE MY CORRECT CONTACT INFORMATION. 

Trans Union is reporting negative information from XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX which is incorrect. I'm not liable for these debts. They're illegally attempting to collect money from me. This information is negatively effecting my credit score, and I would like it removed ASAP. Please assist me in getting these items removed from my report so I can no longer be bogged down by the negative information which is impacting my livelyhood. The information they are reporting is not identically shown on my reports from XXXX, and XXXX.
Consumer complaint received 2018-02-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

I submitted letters to remove negative items from my credit report that are fraudulently reporting because no contracts have ever been signed by me for any of these accounts and these accounts do not belong to me nor did i make any agreements as such. I sent these letters to all 3 bureaus requesting they be removed and i have not received anything from them in months telling me what is going on.