davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LD Holdings Group, LLC (CA)

MORTGAGE COMPANY : LoanDepot UNFOUNDED 30-DAY LATE REPORT FOR XXXX, XXXX, XXXX : This company reported erroneous 30-day late payment often this year ; running our FICO scores. 

POOR COMMUNICATION ( XXXX & XXXX, 2018 ) : Improper communication process on the problem in the clearing of the automated payment resulting in 30days late. Didn't inform the customer on the returned check in XXXX. When realized, the payment was already late. In XXXX, presented payment twice. Messed up the account. Resolution resulted in 30days late. 

DENIED OF PAYMENT WHEN THE COMPANY WAS ACTUALLY PAID LEADING TO 30DAYS LATE : This company was paid by XXXX on the XX/XX/18 but called on the XX/XX/18 that they were NOT paid. Customer made 2nd payment to prevent 30-days late. 

COMPANY STAFF INSENSITIVE TO CUSTOMERS ' CONCERN MAKING LIFE UNBEARABLE FOR CUSTOMERS.
Consumer complaint received 2018-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2018, Bank of America reversed {$740.00} of credits and any bank fees reversed given to me, XXXX XXXX for unauthorized transactions which occurred on XX/XX/2018 and went through on XX/XX/2018. On XX/XX/2018, I assume that on XX/XX/2018, I lost my bank of america debit card at XXXX XXXX  # XXXX. Someone stole my card and used it at the XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX 's. The transactions are listed in an attached copy of my bank statement with Bank of America and are listed 1 to 10. I clearly informed the bank representative that I did make a purchase at XXXX XXXX when I lost my card ; I was not sure how I made the purchase. The purchases put my account in the negative. I contacted Bank of America when I was notified my account was below XXXX. I placed a stop on my account, I requested non of the purchases to go thru. The bank refused and offered to provide fraud credits. The bank cancelled the card and sent me a new one. The person with the card continued to use the card and some of my electronic regular payment went through. The bank issued credits. On XX/XX/2018 the bank reversed the credits. The reduction of my account is not allowing me to pay my rent. The bank states that I did business with XXXX  and does they are not honoring the credits. I read that with stolen cards that the bank can only charge me {$50.00} for unauthorized transactions. Bank of America could have cancelled the transactions until they were provided with proof from the merchant. The transactions were pending when I contacted the bank. They allowed the fraudulent transaction to be processed as purchases by me.
Consumer complaint received 2018-12-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

Had a loan several years ago with this company & was unable to pay off due to financial hardship. I havent received any correspondence from them & then started getting several harassing calls for the past week from different numbers.I figured they were fraudulent since there were so many & no voicemail, until today. Before I could call them back they had contacted my family members to devulge personal information about me & claimed they were from the XXXX County Sheriffs office & were coming to my family members house to look for me. This cant be legal. This is going overboard. I called them back earlier & it was the same information my family member gave me so I know they are the ones. They said their company is XXXX or XXXX & they are representing XXXX XXXX. They also said it is their locator officer that was impersonating the Sheriffs officer that called my uncle! 
They used several numbers ... XXXX XXXX, XXXX. They claimed my case number is # XXXX XXXX XXXX but couldnt provide me with substantive information. I told them that I would not do any transactions over the phone & they further threatened me with legal action. I provided them with my address so as to send any other correspondence by mail & also asked them to stop threatening my family members. Please look into this case.
Consumer complaint received 2018-12-04
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. (ID)

there is no sufficient information to support Equifax 's claim. I have no financial obligation to these companies. I disputed this information last month but not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX, XXXX XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX , XXXX XXXX XXXX, XXXX/XXXX  ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX  ) XXXX, XXXX/XXXX ( Original Creditor : XXXX ) XXXX, XXXX/XXXX ( Original Creditor : XXXX ) XXXX, XXXX/XXXX ( Original Creditor : XXXX ) XXXX, XXXX/XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX , XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX,
Consumer complaint received 2018-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (OH)

I would like to file a complaint about an account listed on my credit report that was never updated after paying the balance in full to the collection agency assigned to it. I have already tried resolving this directly with the original creditor, the collection agency and XXXX with no resolution because each organization states it is not their responsibility to report my payment for their own specific reasons stated below : XXXX states that the amount was charged off and the account was closed/sold to XXXX so they no longer report any updates. 
XXXX states that although I paid them for this debt, they can not report the payment under XXXX as they are a separate company. 
XXXX states that their function is only to gather information from the original creditor ( XXXX ) and they have to go by what they say, which is no updates available. 
I understand that I fell behind on past obligations and I am ashamed of myself for those issues. There was a period of time where I had unfortunate circumstances that led me to credit issues but I worked very hard to recover from them and I eventually paid the debt I was responsible for and Ive rebuilt my credit. I did not realize that this account was still showing as unpaid until I was just denied employment because of this outstanding issue. At this point I am begging someone to please report this account as paid. 
The account listed on my credit report is XXXX, the collection agency I paid in full is XXXX XXXX. I have the letter showing that I satisfied this debt and it is attached to this complaint.
Consumer complaint received 2018-06-11
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)

Due to recent media attention I pulled my credit report and noticed several accounts and inquires that are not mine and that do not belong to me. I would Like these accounts below taken off my credit report immediately I've also filed a police report and FTC report.

Account Type : Collection Account Name : XXXX XXXX XXXX XXXX Account Balance : {$570.00} Account Type : collection Account Name : XXXX XXXX XXXX Account Balance : {$1300.00} Account Type : Student LOAN Account Name : XXXX XXXX XXXX XXXX Account Balance : {$16000.00} Account Type : Collection Account Name : XXXX XXXX  Account Balance : {$59.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX .

Account Balance : {$2100.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX .

Account Balance : {$510.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX  Account Balance : {$300.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX  Account Balance : {$250.00} Account Type : Collection Account Name : XXXX XXXX XXXX   Account Balance : {$100.00} These companies have put inquires on my account that I did not authorize.

XXXX XXXX on or aroundXX/XX/2017 Below these addresses are not associated with me and I have never lived at. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. (MA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2018-12-04
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. (SC)

I have filed all of the necessary paperwork to have accounts removed from my credit report that do not belong to me. Equifax has failed to respond to my request and investigate these accounts. This is killing my ability to buy anything at this point.
Consumer complaint received 2018-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have received my finicial aid disbursement for the XXXX XXXX XXXX in the amount of {$5100.00} on XXXX XXXX the hold was placed on my funds until XXXX XXXX even after the funds were paid the bank continued to hold my funds.
Consumer complaint received 2018-01-17
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: Resurgent Capital Services L.P. (PA)

I filed a dispute with XXXX XXXX. The dispute is over a credit card debt that was bought by another firm, named XXXX XXXX XXXX c/o resurgent capital services XXXX XXXX XXXX XXXX SC XXXX The original account ( XXXX XXXX XXXX ) was closed. The amount is in excess of {$1000.00}.

In 2017, XXXX filed suit in a Magistrate Court in XXXX XXXX, PA/ The case was dismissed.

I disputed this fact to XXXX XXXX online. They sent a letter saying they needed proof of my address. I mailed in proof, which was my bank statement and utility bill.

I received my results via mail. Information updated. Dispute not specific, verified and updated.

I would think if they did a manual check as they said they had to, the evidence of a court of law would prevail. The case was dismissed and should not be on my credit report for a buyer of bad debt, that is over two years old in PA
Consumer complaint received 2018-01-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (TX)

I was not aware, until I looked at my credit report, about this debt. I sent the debt collector documents to prove their claim and fill out the disclosure statement. I have not heard back from then and they still have me listed on my credit report and will not remove it.
Consumer complaint received 2018-01-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (VA)

I keep getting loophold about loan foregiveness. I have been paying my loan for over 16 years, worked at the correct XXXX, etc. my balance is still too high and I am about done. Navient is shady at best and unethical is collection.
Consumer complaint received 2018-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello- I have had an auto loan with XXXX XXXX XXXX for years now. I have finally paid off the account in full ; with {$180.00} late fee balance remaining. 

However, XXXX has inaccurately reported the account negatively to the credit agencies when there is {$0.00} principal balance. I request they update the credit reporting to show paid as agreed and paid in full. I also request they waive the late fee balance due to the inaccurate credit reporting. Thank you.
Consumer complaint received 2018-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

Hello- I have had an auto loan with Santander Consumer USA for years now. I have finally paid off the account in full ; with {$180.00} late fee balance remaining. 

However, Santander has inaccurately reported the account negatively to the credit agencies when there is {$0.00} principal balance. I request they update the credit reporting to show paid as agreed and paid in full. I also request they waive the late fee balance due to the inaccurate credit reporting. Thank you.
Consumer complaint received 2018-01-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (CA)

XX/XX/XXXX Coinbase arbitrarily locks me out of my account on all devices, I fill in correct email, password, and 2FA code and they say that I was selected to have to click an email verification link. 

They do not send the email. 

Tried 10 times, no email, tried on my computer, same problem XX/XX/XXXX Same problem, no response from Coinbase support, ethereum prices tanking, I am unable to buy more I strongly suspect they locked me out because I buy every time it dips and suspect they have done this systematically to accounts like mine to assist them in manipulating markets and further tanking prices to scare newer investors out of their holdings
Consumer complaint received 2018-01-17
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. (NY)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) 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
Consumer complaint received 2018-01-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (AZ)

I got laid off end of XX/XX/XXXX, I applied for assistance with XXXX XXXX they put me on a forbearance plan. When I got a contract job, I submitted my paystubs, so they put me on a trial plan starting XX/XX/XXXXthe monthly payment with HOA was over 35 %. I called to ask them but they did not provide a reasonable response and did n't reduce the amount. InXX/XX/XXXX they sold my loan to Freedom Mortgage. Freedom Mortgage sent me a loan modification that increased my interest rate, so monthly payment with HOA is still more than 31 % of my gross income, and they added a 2nd lien of over {$66000.00}. The XXXX package was left at my door Saturday afternoonXX/XX/XXXX but it was dated XX/XX/XXXX too late to do anything with it Saturday, then Sunday and Monday ( holiday ) banks were closed, and they only gave me a few days to respond. I called them a couple times, and my spoc was supposed to call me back, I 'm waiting to hear. I only make {$19.00} per hour working an average of 40 hours per week, but often I work less than 40 hours due to not enough work. I am worried they are not rushing to help me and I will not lose my house to fraudulent practices. Please help, I 'm a single woman with one income, I can barely pay my bills and I do not live outside of my means, believe me.
Consumer complaint received 2018-01-17
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: AES/PHEAA (CT)

I have multiple accounts that are reporting inaccurate information on my credit report i have sent documents in such as police reports etc proving identity theft & the account still wont be removed. I even sent the docs to the original creditor no one will remove the account from my credit report. The account is XXXX XXXX XXXX is the account. The are reporting inaccurate information on my report as the account does not belong to me.!!

The other account reporting inaccurate is XXXX XXXX XXXX XXXX- This account was removed and then inaccurately placed back on to my report with out proper notice & still reporting the same inaccurate information that it was before. The account needs to be properly investigated!!!

The other is XXXX XXXX XXXX XXXX accounts i have provided documents showing that the accounts were removed from the other bureau for reporting inaccurate information. These accounts need to be removed from my credit report
Consumer complaint received 2018-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (WV)

My credit report is showing that I was late on my Chase Mortgage payment in XXXX and XXXX, however, I was late in XXXX and XXXX not XXXX and XXXX, Chase Mortgage told it was the just the way my they report to the credit Bureau ( 30 days behind ) however, that is inaccurate reporting, regardless of how they are reporting this payment to the credit bureau, it should correctly identify on my credit report the dates I was actually late, regardless of how they report it to the credit bureau. Overall, they confirm the XXXX and XXXX late payments via several letters ( attached ), therefore I need my credit report updated to show the correct months, that I was actually late.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

FTC Identity Theft affidavit was provided with the letter of Notice of Breach that was sent by XXXX a subsidiary of TransUnion. XXXX was hired to mitigate damages caused by the cybersecurity incident investigated in 2023. Local police reports, XXXX XXXX was noticed of the breach in this consumer credit transaction. Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681c-2 ( Section 605B ), which requires that credit reporting agencies block disputed identity theft information within four business days upon receiving proper documentation. TransUnion has received 3 letters that have addressed the Identity Theft and have refused to remove the improperly reported data from XXXX on my credit report. Each correspondence sent had record of an Affidavit to include a criminal complaint, Notice of Data Breach. This is my last effort to compel TransUnion to remove this data that is improperly reported in addition to being part of a criminal complaint for Identity Theft. Please consider this public and constructive notice that I intend on filing a lawsuit in small claims court to find remedy.
Consumer complaint received 2018-01-17
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. (NY)

ON XXXX XXXX 2017 I CHECKED MY CREDIT REPORTS AND FOUND ACCOUNTS THAT ARE FRAUD I CONTACTED THE CREDITORS AND CREDIT BUREAUS NOTIFYING THESE ACCOUNTS I ASKED THEM TO VERIFY THESE UNVERIFIED ACCOUNTS AND I 'VE GOT NOTHING.
Consumer complaint received 2018-01-17
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. (NY)

ON XXXX XXXX 2017 I CHECKED MY CREDIT REPORTS AND FOUND ACCOUNTS THAT ARE FRAUD I CONTACTED THE CREDITORS AND CREDIT BUREAUS NOTIFYING THESE ACCOUNTS I ASKED THEM TO VERIFY THESE UNVERIFIED ACCOUNTS AND I 'VE GOT NOTHING.
Consumer complaint received 2017-04-19
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: CMRE Financial Services, Inc. (CA)

The hospital failed to send my medical bills to the correct address. I never received any bills nor did the input all my information as I have healthcare coverage that would 've covered the entire bill. They asked me for all my information and STILL failed to get it right. Now it has gone to collections and it is on my credit report because they failed to do their job. I have had so much trouble trying to get a copy of the bill.  One  gentleman I spoke with earlier his year asked me for the number on the back of my   XXXX   card and all my member information and assured me he would take care of it. Now it 's on my credit report and every time I follow up they tell me something different!