davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I had a mortgage that was being paid by myself and Spouse. He XXXX in XX/XX/XXXX. I continuing to pay mortgage and after refinancing loan ( XX/XX/XXXX ) to fix immediate problems, it increased my loan by XXXX a month. In XX/XX/XXXX, I lost full time job. I went back to bank to return monies and wanted to do a loan modification, they would not! I predicted then, my credit would be ruined and I could lose my house ... In XX/XX/XXXX, I begged them for another loan modification and did not qualify, despite my XXXX? I had told them that from the beginning and ended up losing a total of three full time jobs because employers would illegally found out about my open Workers Comp claim. Because my injuries are considered a catastrophic condition, a Judge ruled my medicals could never be settled. I have been fighting this case since XX/XX/XXXX and continue to do so today ... In XX/XX/XXXX, I again between my mortgage, private insurance and meds WC would not pay for, my expenses exceeded XXXX a month. So in XX/XX/XXXX, I again begged for the bank to help me, after awhile they indicated the XXXX XXXX. had a HARP program and I filled out paperwork, with many problems. Some of the documents were faxed 2, 3, 4 times, that I had to start a 2nd loan modification in XX/XX/XXXX. The bank continued all along in taking my house and a Sheriff Sale was in effect for XX/XX/XXXX. The bank would not wait up for their other department to process the loan modification, I begged and pleaded. The lawyer I hired was no help, while he was on vacation, I contacted the lawyer in XXXX and took money out of my settlement/medical account. to pay mortgage and showed good will. I told attorney that I had wrote letters and had filed XXXX XXXX Complaints. The 1st complaint was filed XX/XX/XXXX and I still have not received a response from this complaint. On XX/XX/XXXX, I decided to spend extra time at my fiances house for XX/XX/XXXX. I came home XX/XX/XXXX to find my house burglarized and a note on the door that my house was " vacant '' I reported this to the XXXX XXXX # and my police. The XXXX XXXX XXXX told me that a XXXX XXXX was in my house, the police gave me another name, XXXX XXXX XXXX. A women returned my call from the XXXX XXXX XXXX and I told her about the missing items, he was all through my house, etc. When I called her again, with the police report, she never has returned my call, but forwarded it to the Chairman of the Board Office, of CITIZENS BANK, my lender! I talked to XXXX and was glad to talk to her and explained problems from the beginning of the loan, and if customer service department and foreclosure dept exchanged information, I would not be in this situation! I tried myself to negotiate what fear I had, let alone the missing, broken items in my house! They have not backed down ... There is sooo much more that has happened, can you please help me?
Consumer complaint received 2018-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion File Number XXXX Employment Data Reported Dated XX/XX/XXXX was right on the information for Employment Data Reported for some reason the report issued on XX/XX/XXXX only shows XXXX employment not the 2 I current work for in which I have attach my current 2 employment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX These do not show and I have work for them since XX/XX/XXXX I do n't why Transunion has errors as they do.
Consumer complaint received 2018-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I have been disputing wrong information from XXXX XXXX XXXX on my. Credit report with experian that damages my credit out look by wrong information This wrong information was removed from other credit agencies as XXXX XXXX
Consumer complaint received 2018-01-22
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. (CA)

Equifax - XXXX XXXX ( Acc Number:XXXX ) XXXX - XXXX XXXX ( Acc Number : XXXX ) XXXX XXXX XXXX -XX/XX/XXXX XXXX - XXXX XXXX -XX/XX/XXXX I have contacted the credit bureaus to let them know that I am a victim of identity theft and that someone has been using my personal information without my consent. I have placed a fraud alert on my credit report and asked that the fraud items be removed.
Consumer complaint received 2018-01-22
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

This account was including in my chapter XXXX bk. The payments have been made and the bk is discharged. The debt buyer will not release the lien against my property as such I cant sell, refi, or repair my home.
Consumer complaint received 2018-01-22
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. (CA)

I have written down each individual inquiry that has been placed onto my credit report without my knowledge. I have also spoken to XXXX and Transunion customer service agents who have told me that they will be removing the fraud inquiries. I have one day post sent all of the documents that have been asked from the bureaus. 

XXXX XXXX - XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX Transunion XXXX XXXX XXXX- XX/XX/XXXX
Consumer complaint received 2018-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I have written down each individual inquiry that has been placed onto my credit report without my knowledge. I have also spoken to Experian and XXXX customer service agents who have told me that they will be removing the fraud inquiries. I have one day post sent all of the documents that have been asked from the bureaus. 

Experian XXXX - XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX
Consumer complaint received 2018-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (HI)

Chase let a fraudulent company charge my credit card account with a membership fees they did not have the right to charge, because this organization did not provide me service, more importantly, I did not provide this organization with my credit card information and I did not give them permission to use my credit card or charge me for this non existence service. 

After this organization charge me a fraudulent fee which affect my balance, my automatic payment was somehow cancelled on this credit card created a late payment fee, though if there was no fraudulent charge in the first place, this would not have happened. Then when I closed this account with chase because they did not help me resolve this problem to my satisfaction, chase report a negative on my credit card account with a delinquent status on a late payment created because they let a fraudulent charge happened on my account without my approval.
Consumer complaint received 2017-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (MD)

On XXXX XXXX, XXXX I submitted correspondence to Barclays Bank Delaware because of suspected fraudulent activity by the bank. They have refused to address my concerns by remaining silent and have continued to seek payment and report missed payments on my credit reports hurting my scores. Attached you will find the letter I submitted to Barclays Bank Delaware on XXXX XXXX, XXXX.
Consumer complaint received 2018-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2017 I mailed a certified letter to Capital One. In this letter I requested the alleged charged off account be validated. Acc # xxxxxxxxxxxx XXXX The un-validated items listed on my credit report in violation of Federal Law [ 15 U.S.C Section 1681 ]. This company is required under the FCRA to have a copy of the original creditor 's documentation of file to validate that this information is mine and is correct. In the results their first investigation, they stated in writing that they " verified '' that these items are being " reported correctly ''. Who verified these accounts with valid proof? They have NOT provided me a copy of ANY original documentation ( a Consumer contract with my wet live signature on it XXXX, as required under Federal law. Under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " ... .promptly DELETE all information which can not be verified. '' Under the Administrative Enforcement [ 15 U.S.C. Section 1681s ], the law is very clear to remedy the Civil Liability for willful noncompliance [ 15 U.S.C. Section 1681n ], Civil Liability for Negligent Compliance [ 15 U.S.C. Section 1681o ] and Obtaining Information Under False Pretenses [ 15 U.S.C. 1681q ] if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts to be validated or deleted immediately under these false allegations. I have no contracts with these corporations ... .15 U.S.C. Section 1692f. This Capital One is in violation of Federal law. They have not validated the alleged debt nor did they note my personal credit file of the dispute. I have attached a letter that I received from Capital One which says they have is also a request to remove all non-account holding inquiries over 30 days old as I did not initiate these inquiries. They are required by law, according to [ 15 U.S.C. Section 1681b ] Section 604 ( c ) to remove all inquiries that I did not initiate. What valid proof does the creditors/companies have for the inquiries on my credit report to be, according to them, " a factual record of file access '' when I have no account with them? Non-account holding inquiries and unvalidated inquiries that remain on my credit report that they failed to with maximum accuracy to validate and verify shall be remedied by enforcing my rights under the FCRA. The following inquiries need to be removed from my credit report immediately. Thank You,
Consumer complaint received 2018-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ASSOCIATED BANC-CORP (WI)

On XX/XX/XXXX I noted 2 unauthorized withdrawals from my checking account posted on that same day and I immediately notified my bank that same XXXXThe first was a " XXXX XXXX XXXX debit of {$2000.00} '' and the second was a " ATM XXXX XXXX XXXX XXXX XXXX '' debit amounting to {$980.00}. Both items bore " Pending '' as part of the description. 
On XX/XX/XXXX my wife and I called the bank and were told the only available person in authority to meet with was a person at a food store location. Briefly we were informed that we should " freeze '' the account and set up a new account, transfer the account '' s remaining balance and all monies would be returned soon or at least in 10 days. 
My balances were always shown in the original amounts but could not be transfered when I tried. 
Mant exchanges between the bank and us, none truthful or factual until we finally were notified that all monies had been returned to our account and NSF fees were changged in amounts. However, when I tried again to transfer, the notification was that the funds could not be transfered. Such remains the case today! XX/XX/XXXX as we prepare to again personally tomorrow XXXX. 
The bank involved is Associated Bank with main offices in XXXX XXXX, Wisconsin. Their authority advised that my funds would be held pending their ability to recoup fradulently removed funds. 
Amounts currently held in the " frozen '' account include Social Security and Private Pension funds.
Consumer complaint received 2017-10-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Attention Cfpb complaint XXXX I just filed a complaint and I forgot to add to my note that I am waiting for my social security benifit to come through as you Know how government offices work they are late and take too long I also am in contact with office of XXXX XXXX XXXX XXXX and they are on my XXXX case This was addition to the complaint I just filed
Consumer complaint received 2018-01-22
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. (AL)

I disputed some items on all 3 credit bureau XXXX deleted them all but Transunion and XXXX have a few still on there and wont remove them off.
Consumer complaint received 2018-01-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (FL)

Hello, I have been using Coinbase for the past 2 months. I was able to buy, sell and move digital currency without issues. Suddenly they start to ask for additional information and now they are withholding around USD XXXX of my money on the USD wallet. I can not transfer to my bank account, can not buy cryptocurrency, essentialy I have no access to the money. Ive created a case with them # XXXX on XX/XX/XXXX and no response. The customer support is awful.
Consumer complaint received 2018-01-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Senex Services Corp. (NC)

I do not have a signed contract with SENEX SERVICES CORPORATION, I am not liable for collection of this debt from XXXX XXXX XXXX. I am not responsible for this debt. 

Filed a complaint with BETTER BUSINESS BUREAU XX/XX/XXXXof 2017. SENEX SERVICES CORPORATION did not send back a VALIDATION OF DEBT containing a signature. Simply sent a piece of paper disclosing medical services that we recieved that I do not recognize. The debt is in the amount of {$1300.00}. 
Desired outcome to be DELETED FROM CREDIT REPORT. 
Reporting this onto my credit report was not legal.
Consumer complaint received 2018-01-22
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. (FL)

I sold my home XXXX/XXXX/XXXX. XXXX XXXX XXXX XXXX XXXX reported that my account was 90 days past due. Due to hurricane Irma XXXX XXXX XXXX put me into a temporary 3 month forbearance which allowed me not to make payments from XXXX. 
The payments were not to resume until XXXX XXXX however my home was sold by then. I spoke to XXXX XXXX XXXX, XXXX, Equifax and XXXX regarding this matter and none of them have resolved this issue. I am trying to purchase another home and this is making that process impossible.
Consumer complaint received 2017-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (NC)

Date company sent letter X/XX/17 Company name is DIVERSIFED CONSULTANTS MAILING ADDRESS IS XXXX  XXXX XXXX FL XXXX Letter address from. XXXX  XXXX XXXX MI XXXX Stating I owe XXXX Address is wrong I never had an account with said company XXXX or XXXX XXXX XXXX They have a phone number that goes in circles and cant speak to anyone about issue to resolve this is fraud phone is XXXX Not my account and they wont remobe off credit
Consumer complaint received 2018-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I have state tax lien that have been paid and is still on my credit report. Public records show " released ''. I have tried to have these removed, unsuccessfully. The state of GA, does not get involved with the removal of these. I feel they should be removed. Thank you for your help.
Consumer complaint received 2018-01-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: United PanAm Financial Corp. (TX)

I sent multiple letters and emails to united auto credit for my car loan late payments for XXXX, XXXX, and XXXX of XXXX asking for forgiveness and goodwill due to my XXXX from my time in the military I was unable to make various decisions like pay on time bills and make it to work due to lack of ability to sleep. I have since then gotten the proper help and medication to boost me in the right direction as far as financial decision making. I have not yet received a response to my email. these late payments hinder my ability to obtain good credit.
Consumer complaint received 2018-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (WA)

I recently got a copy of my Equifax credit report.. Upon review of my credit report, I found that there is an inaccurate and unverified bankruptcy on my report.This has negatively impacted my ability to receive credit and has resulted in unnecessary embarrassment and inconvenience. 
As stated in Section 609 of the Fair Credit Reporting Act, ( 2 ) ( E ) : A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file unless the information is outdated under Section 609 or can not be verified.

As is my right, I am requesting verification of the bankruptcy reported on my credit report. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2018-01-21
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Public record information inaccurate
Company: Bread Financial Holdings, Inc. (NY)

The problem is that the XXXX credit card company is reporting that my account was derogative on XX/XX/XXXX and it was delinquent on XX/XX/XXXX and XX/XX/XXXX. I am disputing these reportings because every month I have made payments except for the month of XX/XX/XXXX but I made payments on XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2018-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I sold my home XXXX/XXXX/XXXX. Bank of America Home Loans reported that my account was 90 days past due. Due to hurricane Irma Bank of America put me into a temporary 3 month forbearance which allowed me not to make payments from XXXX. 
The payments were not to resume until XXXX XXXX however my home was sold by then. I spoke to Bank of America, XXXX, XXXX and XXXX regarding this matter and none of them have resolved this issue. I am trying to purchase another home and this is making that process impossible.
Consumer complaint received 2018-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

Equifax has made it impossible to log in and dispute inaccuracies on my credit report. The website system is at fault. It ca n't locate me, even with the extensive list of information the made me confirm, the website still has problems and ca n't find me. It tells me the information does n't match. I assure you, the information provided is accurate. If it does n't match, it is due to inaccuracies in THEIR bookkeeping. They are essentially using poorly maintained technical mechanics on their website, to prevent me from disputing inaccuracies. How ever convenient for them. Yes infuriating for me. I need CFPB to get someone from Equifax ( and I mean XXXX XXXX NOT the terrible XXXX based customer service people they employ. These people are useless beyond measure. I need a high level manager at Equifax to CALL ME. Leave a message with a return number in case they end up leaving a message. I want to talk to someone HIGH UP in their organization who can make things happen, so that I can successfully log into my account, pull up my report, and file a dispute. At present, due to website glitches, I ca n't do any of this. I DEMAND a sr manager in credit reporting and inaccuracies to call me.
Consumer complaint received 2018-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have contacted the three credit bureaus regarding the accounts stated below. I have asked the bureaus to place a fraud alert on my credit report to stop any further fraud from occurring and I have asked them to dispute the unauthorized accounts. 


XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX - XXXX I am not able to see what dates the accounts were opened.
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. (NC)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Someone submitted a XXXX Application with my name, social security number and address and was granted a XXXX XXXX and XXXX student loans by federal student aid servicer XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX. The person also applied to the University XXXX XXXX and I believe provided a falsified XXXX XXXX XXXX 

I have filed a police report, an identity theft report with the FTC and have disputed the loans with the Department of Education.