davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I noticed three inquiries on my Experian credit report placed by XXXX XXXX on or about XX/XX/23. Although these were soft inquiries, the simple fact is that I have never -- yes, never -- authorized XXXX XXXX access and have never even applied or inquired about any services XXXX XXXX offers. XXXX XXXX accessed my credit reports illegally with no permissible purpose at all. 

I contacted XXXXXXXX XXXX for an explanation, and they referred me to XXXX. I spoke with a woman from XXXX multiple times, but she was incompetent and dishonest. She stated they would remove the inquiries, but they never did. She stated they would call me to discuss the issue, but they never did.
Consumer complaint received 2020-07-13
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: EQUIFAX, INC. (IL)

To Equifax Escalation Department : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if  requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS U S DEPARTMENT OF ED XXXX over 7 years old 621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission. 
( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 

Identification already on file. Please send a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Consumer complaint received 2024-02-02
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. (MO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Bankruptcy Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (MD)

I paid off the vehicle that I financed through Mazda Capital Services at least 8 years ago. I am now selling the vehicle and needed a copy of the lien release as I no longer had it in my possession. I can not recall if I ever initially received one but may have. I called MCS over two weeks ago and requested a copy. I was told it would be processed within 1-2 business days and mailed out, where I should receive it in 10-14 days. I waited the maximum amount of time and did not receive it, so I called MCS to ask about the status. They informed me that my request had never actually been released because there was a backlog. They did not inform me of this during my original conversation and I had asked for very specific details about the timeline because this was time-sensitive. I have now requested it for the second time and requested it be expedited on their behalf and informed them that I would be filing this complaint. They told me they would do that but refused to send me an email with any type of confirmation it would be sent. This happened only a few minutes ago, so I am unsure if I will receive it this time. Their dishonestly up front has now cost me over a XXXX dollars on the sale of this car as the timeline I was going off of was based on the MCS agent giving me accurate timeline information that I very specifically requested. I would love to be able to upload proof of all of this but MCS clearly makes it so that they do not leave a paper trail as they denied all request of mine to send me e-mails with any type of confirmation.
Consumer complaint received 2024-01-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

To whom it may concern ; I have a problem with coinbase account. I moved back to XXXX from USA for almost three months. Before I moved back here. Ive already contacted about using account in XXXX. They said I can continue using the account in XXXX so I didnt close it out. Then when I'm in XXXX, I tried to login to my account multiple times. They keep asking me to verify my XXXX ID with address and bank statement to prove my country of residence. Ive already sent everything for them ( my case number is # XXXX ) but I still cant login to my account. I need to sell my crypto and withdraw my fund. Its been almost 3 month that i cant login to my account. Ive contacted them via XXXX XXXX and email since XX/XX/2023. I also read online and see that a lot of people have the same problems like me without any reasons. I think the coinbase company locked my account and others so they can withdraw the funds by themselves. Please help me from this scammer. I invested around {$14000.00} but not sure how much left with the market price now. Let me know if you need more information. Appreciate!
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Systemic institutional racism has, and continues to rear it's ulgy head, again!!! 

XXXX has erroneously inaccurately reported my account number XXXX as 90 day late which is incorrect for 2 reason : 1 ). I am/have NOT been 90 days late, or in fact EVER 30 days or more late making my monthly payment. 2 ). Due to the current pandemic I have been under a 90 day forbearance agreement that started in XXXX XXXX, 2020, to XXXX XXXX2020, and has been extended a additional 2 months. 

Also, per the recorded legal verbal consent from the XXXX representative I was clearly informed that there would be NO late payments, nor late fee assessments reported to the credit reporting agencies! 

In addition I have NEVER been contacted, nor notified to arrange any repayment plan, loan modification, or extension of the forbearance plan arrangement.
Consumer complaint received 2020-07-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Loan Servicing Company : NationStar Mortgage-Mr. Cooper are withholding Property Damage Insurance Proceed checks for needed repairs on home. 

Property Damage Insurance Proceed checks that NationStar Mortgage-Mr. Cooper are refusing to endorse over, NEVER made a single insurance premium. 

As a matter of fact our mortgage company is XXXX XXXX   XXXX, where in we did a refinance $ XXXX back in XXXX. 

NationStar Mortgage recorded as Assignee ( Loan Servicing Company ) against our property in the form of a Lien on XX/XX/XXXX, which put NationStar Mortgage in 4th position. 

According to the Secretary of State of California, in year XXXX NationStar Mortgage LLC, was not authorized to conduct business as a Foreign company in California, until XX/XX/XXXX. 

With NationStar Mortgage LLC recording in 4th position as Assignee and unsecured Lien-holder, effective on XX/XX/XXXX and not authorized to conduct Foreign business in California, until XX/XX/XXXX, NationStar Mortgage LLC, is in an unsecured position and has no rights to withhold our Property Damage Insurance Proceed Checks, that need Endorsement by NationStar ... so that we can proceed with property damage needed repairs. 

Honorable CFPB much help on the above issue would be greatly appreciated.
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (MI)

I pulled my credit to find that TransWorld Systems Inc. has a Debt on my credit report that is erroneous. It states I have a balance of {$3500.00} as of XX/XX/2020. However Prior to my moving out the address in question my account balance was less than ( {$100.00} ) see attached. This is nothing more than predatory debt collector attempting to take advantage of people during the COVID-19 pandemic crisis.
Consumer complaint received 2018-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (IL)

I cancelled a contract back in 2012 with XXXX due to a service not being provided. I spoke with XXXX and cleared up the charges owed and wary termination fees were also stated to be removed totaling around {$600.00}. HOWEVER. XXXX XXXX XXXX XXXX has a collections report on my credit history for {$1000.00}. In attempts to repair my credit over the last 7 years this company XXXX XXXX is the only company that will not agree to remove this old and cleared debt. I want this record removed from both XXXX and XXXX. I have disputed this several times without compliance.
Consumer complaint received 2018-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I have requested all legal/loan documents, since loan inception - XX/XX/XXXX to present - from Navient validating the amounts they are collecting on and reporting on and to date have not received anything. I received one letter from Navient stating they could not provide me anything do to my case being part of a current lawsuit they are facing and it is not a lawsuit I have filed or have been granted participation in from any party.If there is activity involving my records, I expect to be informed and allowed to participate.

Navient provided me reporting that shows activity dated XX/XX/XXXX and XX/XX/XXXX. I want all legal documents supporting that transaction along with all legal documents, from loan inception to present XX/XX/XXXX toXX/XX/XXXX 

I also expect this documentation and request to be given to XXXX XXXX directly and not the canned/call center of the Office of the Advocate that blocks resolve and simply sends out canned responses.
Consumer complaint received 2024-02-01
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LDF Holdings, LLC (OK)

I got a loan to help a friend in need quickly for {$300.00} and I'm XXXX, XXXX, on XXXX income only and was surprised I was approved but they have continued to withdraw now another payment and to this date I have paid nearly {$2000.00} on a small {$300.00} loan which I never believed it would be that much and I'm shocked ... I've reached out and phoned, but no return call. I did get a copy finally but I am thinking this is excessive and taking advantage of a mentally and physically XXXX person. I feel they need to halt but they don't return my calls or emails Please help me!
Consumer complaint received 2024-01-31
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: EQUIFAX, INC. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
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
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (FL)

On XXXX/XXXX  I mistakenly made a payment of {$3200.00} to my deceased husband 's account. When I asked the money be transferred to my account the company asked for a copy of the death certificate and our will which I promptly sent by overnight mail. I received a letter telling me the money would be put back in the bank account that paid it - XX/XX/year>. I have made numerous phone calls asking for information about the money and every time receive a different answer - the money was sent- they are tracing it, etc. etc. 
They owe me {$3200.00} which they refuse to refund. What recourse do I have? Please help. 
XXXX XXXX XXXX Credit card company - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - acct closed XXXX XXXX XXXX XXXX XXXX, XXXX - deceased Address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Credit Company - act ending in XXXX
Consumer complaint received 2020-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (MN)

Did I asked you to update the report or delete the item from the tradeline? 
Send me proof in writing what did I want you to do with this account? You been reporting it as false since the account went close that erroneous information because you were to lazy to actual conduct a proper investigation is what this is all about. If you dont remove this account I will take legal actio under the FCRA you claim Wells Fargo must and shall report accurate information XXXX you didnt care about fair reporting when you were reporting inaccurate information leading up til XXXX of this year you didnt seem to give a XXXX then why now you just dont want to remove but you will and I wont be paying you. XXXX thing so help me I still need the requested information online for XX/XX/XXXX and XX/XX/XXXX per your Certification
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

I need to unfreeze my Equifax credit report so that I can apply for a new credit card. For the last XXXX hours, the XXXX website does not work : when I sign in, I get a screen that says " We are temporarily unable to complete this request. '' I got this same response about 10 times over 48 hours. 

When I tried to call Equifax to unfreeze my report, their phone system malfunctions : It asks me to say or enter various data ( phone number, numerical portion of street address, etc. ). The system then fails to properly recognize some digits, whether entered by voice or on the phone 's touchpad. I've tried to use the phone system five times, entering the data both by voice and by touchpad, and I have not succeeded in getting through.
Consumer complaint received 2020-09-17
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: BARCLAYS BANK DELAWARE (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX SS # XXXX XXXX : XXXX To whom it may concern : On XXXX XXXX, I sent a certified letter to Barclay 's about this account.This certified letter was signed for on XXXX XXXX. This letter advised them that the account was discharged in bankruptcy and that they had illegally sold this account to a collection agency. I called Barclays on XX/XX/2020. Barclays responded by telephone that this account had been sold to a company call Unifund. I contacted XXXX, and was advised by them, that they do not own the the stated account. I have also disputed this account through XXXX   and XXXX, and it comes back as verified and correctly reporting. 

Who owns this account?
Consumer complaint received 2021-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (TX)

While on a ferry in XXXX, on XX/XX/2021, my husband purchased a soda at the ferry convenience stand for XXXX Euros. The vendor entered the incorrect amount and charge us XXXX Euros or {$4600.00}. I noticed the error on my card while in XXXX and called CITI bank on XX/XX/XXXX. We started a billing dispute. They determined it was consumer responsibility. I called back and Citi then advised me to submit the issue under the Fraud dept. I was required to shut down the card and he claim was moved to the Fraud dept for investigation on XX/XX/XXXX. On XX/XX/XXXX, they determined it was not fraud and referred me back to the dispute center. After multiple calls, they will do nothing to assist me with this error as I do not have a receipt. Not sure what difference this makes as the receipt would show the same charge, same date and same vendor as the statement displays. Its not a store or typical business where I can contact the merchant. Its a floating convenience store on a ferry. I have asked for help in this matter as its in a foreign country and they have resources to help track down this merchant and resolve the issue. 
Despite what Citi is stating, I believe this to be fraud. I was overcharged for a soda by XXXX Euros.
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (VA)

I am writing regarding my TJMax XXXX credit card. I am in the process of purchasing a home and the lender supporting us asked us to payoff several of our credit cards, this card was one of them. Based on my XXXX statement balance, I paid {$85.00} on XX/XX/2021, which was actually a few dollars more than the outstanding balance on the account. In my mind, I thought that the credit card had been paid off. After XXXX I NEVER RECEIVED the XXXX statement which closed on XX/XX/2021. Apparently there was an {$32.00} balance that was carried forward which I was not aware of as it DID NOT appear on the statement. The credit card appeared as being 30 days late on a credit report that the lender just ran on XX/XX/2021 literally 2 days after the XX/XX/XXXX closing date. When the lender called me about this situation, I called the customer service number and spoke with a representative to attempt to gain clarity on this matter. I told her that I never received the statement and thus did not know that there was a pending balance otherwise, I would have paid the entire amount. If I can pay the {$85.00} to pay off the account, I would have most certainly pay the additional {$32.00} if I knew about it. To this, the representative responded " you are not the first person that has called about this, we have been having issues with this due to COVID however, there is nothing that I can do, you will have to work with the credit bureaus to clear the 30 day late notification as this is done automatically ''. I HAVE NEVER BEEN LATE ON THIS CARD SINCE HAVING OPENED THE CARD. I PAID WHAT I BELIEVED TO BE THE FULL AMOUNT AT THE END OF XXXX. This is really negatively impacting my credit and I would like to get this resolved immediately and as such am requesting your support in addressing this matter. This is an oversight and issue related to the global pandemic, this is not negligence or a continuation of non payment. AGAIN, I HAVE NEVER BEEN LATE ON THIS CREDIT CARD. Please help in getting this off my credit and off the credit bureaus.