davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-22
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (KY)

I am an XXXX XXXX XXXX in the XXXX and stationed at XXXX XXXX, KY. I am writing in regards to my rental property at XXXX XXXX XXXX XXXX , XXXX XXXX, GA. 

I purchased the home with a VA loan and had a mortgage agreement with XXXX XXXX XXXX and XXXX ( " XXXX '' ). I arranged for payments to be made automatically from an account, and since buying the home have always been on time with payments with automatic payment system with XXXX. 

Apparently my mortgage was sole to Freedome Mortgage Corporation ( " Freedom '' ). I was unaware of the sale because I never received any type of notice from XXXX or Freedom of the change of companies. Not an email, phone call, or mailing letter. 

Because I was unaware of the sale of the different mortgage and another company was now managing the account, I continued making payments, form the automatic draft account to XXXX. As a result, Freedom apparently believed I was delinquent in making payments on my mortgage. Any notice from Freedom sent were never received by me and in fact, when notified of the foreclosure form my property managing team, I called Freedom and the representative clearly admitted to me on a recored line that all correspondence was returned to then unopened and marked " Return to Sender ''. Accordingly, I had no notice as to the status of my mortgage of Freedoms intentions. 

I received this information when my property management team, XXXX XXXX XXXX,  forwarded me a notice from XXXX XXXX XXXX ( " XXXX  '' ) apparently posted on the door of the property in XXXX XXXX. The noticed stated the property has been foreclosed and XXXX is now the owner. My property was taken by Freedom and conveyed to XXXX all without my knowledge. I have made multiple attempts to contact Freedom but as this date have not been able to resolve any assistance from Freedom or their Attorney team. 

I clearly failed to received any notice form the sale of the mortgage to Freedom, notice from Freedom of any alleged delinquency any foreclosure and any sale of my property. I am outside of the are due to my XXXX military status, see attached orders. I have suffered significant damages from this. I am also requesting a copy of all transactions made by Freedom since I was never notified and XXXX had my correct address. 

In summary, the opinion that foreclosed my property and selling the property without providing proper notice under these circumstances violated my rights under state and federal law. In attempt to settle this I will accept the following : - return title of met property by deed - reinstatement of the terms of my mortgage agreement - contact any and all credit reporting agencies to which any of your representative may have made a report on this matters and correcting the information provided to those agencies including but not limited tom my property not being foreclosed upon and mortgage account in good standing.
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX Account number # XXXX has violated my rights. 1 15 U.S.C 1681 Section 602 A. states I have the right to privacy 1 15 U.S.C 1681 Section 604 A. Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions 3 15 U.S.C 166B A Creditor may not treat a payment on an account under an open and consumer credit plan as late for any reason
Consumer complaint received 2023-06-13
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. (GA)

XXXX, Transunion, XXXX was sent letters by myself to remove 1 account with inaccurate data across all 3 reports, they have since after receiving the letters updated all 3 reports with more wrong information and all 3 reports are still mismatched one showing charged off one showing open with no balance one showing a balance and open all 3 have wrong opening dates, last payment dates and last reported activity dates another, another account i asked about to be removed due to also has wrong dates balances and last time paid and the account is paid off and not reflecting on any of the 3 credit reports this is making it hard for me to obtain a mortgage due to this inaccurate information i have asked to be removed off my credit report
Consumer complaint received 2023-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NC)

Opened a checking account with Citi for a promotion. 
When trying to log into my online account to transfer funds, I was notified that " XXXX Blocked - Error Code XXXX ''. Called the number provided. 

After being on hold for XXXX hour, I was told that my account was in restricted status and that I would receive a letter explaining why and that my funds would not be available for XXXX days. When I pressed them for more information- they hung up on me. 

I called back and was finally able to talk to someone who told me that a fraud investigation was initiated on my account due to a direct deposit FROM my employer to my Citi checking account and my account was in restricted status and there was nothing they can do to help me get my funds. 

I did not initiate a fraud claim nor was I contacted at any point to verify any transactions that triggered their fraud system. They just closed my account and told me afterwards.
Consumer complaint received 2024-10-03
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (TX)

They continue to email me about my deceased father 's medical debt. I am not responsible for his debt. 

I emailed them that it was illegal to email me and I called them to stop contacting me. They said they would remove me.
Consumer complaint received 2023-06-13
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. (FL)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX : {$80.00} XXXX XXXX XXXX Balanced : {$5300.00} XXXX XXXX  XXXX Balanced {$0.00}
Consumer complaint received 2023-06-13
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. (TX)

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. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX has violated my rights. 


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.
Consumer complaint received 2023-06-12
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. (TX)

Reached to XXXX XXXX on XXXX XXXX to fix an error regarding late payments that they have reporting to XXXX XXXX XXXX and Experian. I set up a payment plan for my card on XXXX XXXX XXXX. To where I would pay {$85.00} on the XXXX of the month starting in XX/XX/XXXX, XXXX. I made every payment on time with an automatic withdrawal from my account. Until they abruptly transferred the account to collections in XXXX XXXX
Consumer complaint received 2023-06-12
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo account ending in XXXX reflected a negative balance and was said to be closing due to fraud activity. Received notice via internal sysyem on Wellsfargo.com online banking account on XX/XX/XXXX at XXXX XXXX that the account would be closed as of XX/XX/XXXX. Account is still open. Was former receiving account for SSI XXXX direct deposit, but was switched to different payment method a week before account was to be closed. Wells Fargo still received my SSI deposit and will not release it back to the SSI department AFTER telling me they had no record of notifying me my account was to be closed. I need the money back I have to pay rent I'm already late on it because these greedy XXXX processed the deposit after they said the account was " closed '', but it's still open!
Consumer complaint received 2023-06-12
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. (AZ)

I recently discovered that a credit card account was opened under my name without my authorization, and I believe I have become a victim of identity theft. 

The unauthorized credit card account was opened on XX/XX/2019 and I have attached any supporting documents I possess to substantiate my claim. The account details, including the card number, account holder 's name, and any other relevant information, were obtained fraudulently. As a victim of this crime, I am deeply concerned about the potential negative impact on my credit history and overall financial well-being. 

I have taken immediate steps to mitigate the damages caused by this incident. Firstly, I have contacted the credit reporting agencies, namely Equifax, XXXX, and XXXX, to place a fraud alert on my credit report. 

I kindly request your full cooperation and support in investigating this matter promptly. I would appreciate if you could initiate an immediate investigation into the unauthorized credit card account opened in my name. I understand that it might take some time to resolve this issue completely, but I trust in your expertise and commitment to ensuring a fair and just resolution. 

I am prepared to provide any further documentation or evidence that may aid in your investigation. Please inform me of any additional information or steps required from my end to proceed with the resolution process effectively. 

Furthermore, I kindly request that you remove the unauthorized credit card account immediately to prevent further fraudulent activity and to protect both myself and your institution from any financial liabilities associated with this incident. 

I emphasize the urgency of addressing this matter promptly, as the longer it remains unresolved, the greater the potential harm to my personal and financial well-being. I am hopeful that, with your assistance and expertise, we can swiftly resolve this case and ensure that justice is served.
Consumer complaint received 2023-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

XX/XX/XXXX while sitting in my office in XXXX MI Capital One called me and stated that there were 6 charges being made right now at a XXXX store in XXXX XXXX MI. Total amount {$3000.00} The total was done as follows : {$500.00} {$500.00} {$530.00} {$500.00} {$500.00} {$500.00} Of course it was fraud I said shut it down. They removed the charges only to put them back on because when a Capital One representative and myself spoke to a XXXX fraud representative he argued the credit card had a chip so the charges could not be fraud. An actual card was used. That means nothing. Cards can be made and are not checked against ID at this retailer. Since XXXX I have had this on my statement. They refuse to remove charges permanently. I have talked to both XXXX and Capital One without resolution and without the removal from my statement and credit.
Consumer complaint received 2024-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Back in XXXX I fell into the trap of a scamer, who offered me a great salary bu joining what he called the XXXX XXXX XXXX, in which I was going to sale products online, but he said I had to have a credit card, and he got me on a XXXX way line in which he could see what I was doing on his end, and guiding me into filling out an electronic application for XXXX capital one, due to his pressure I followed his instructions promptly. But to put it in a nutshell, I found out online about the scam in which many have fallen.. for XXXX XXXX XXXXXXXX XXXX After receiving the XXXX card by mail, I mediately reported what had happened to me to capital one, and had asked them to cancel the card ; however they never did. So vebturex capital one expected me to pay {$470.00} dollars for what they claimed a passed due fee. Recently I found out through Expedient that they are holding me accountable to pay XXXX Capital One {$570.00} again for passed due fees, and for a card of which I reported why I was canceling it remediately. I called XXXX XXXXXXXX XXXX  to tell them once again to close the venturex account, and finally did. I called Capital one today XXXX XXXXXXXX XXXX to bague to please remove this charge of {$570.00} and because I'm also going through severe hardship due to both recent hurricane : XXXX and XXXX. I don't make big wages, and have the brunt of so many bills to pay, and I'm single, and have no relatives here in XXXX. All bills combined are rather insurmountable, and I bague to please help me, so that this charge will be removed, and will not ruin my credit, as the charge is posted on XXXX. Please help me, and Thank you. 
XXXX XXXX
Consumer complaint received 2021-04-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

Dear madam or sir, I was trying to deposit CZK XXXX XXXX to my Coinbase Pro account which is denoted in XXXX. Hence, I used XXXX XXXX now just called XXXX XXXX to transfer the money XXXX EUR XXXX after exchange ). However, I forgot that Coinbase requires the account from which the money comes to be registered on my Coinbase account first. Once I noticed, I registered it and Coinbase rezognized it. However, they have never actually deposited the money to my Coinbase account. 

I have continuously filed many complaints through their platform in which I described the problem in detail. I always got an answer that the issue was either solved or that they are still looking for it after which they just sent a generic email that if I still need a support I should contact them. I always did, but still nothing happened after many months. 

Please find attached the report of the transfer from XXXX and the screenshot of the complaints I filed to Coinbase. 

I really hope you could help me. 
Kind regards, XXXX XXXX
Consumer complaint received 2023-06-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (NY)

XXXX XXXX XXXX  - Spoke to rep and escalated to manager after requesting to pay my mortgage and investigate why my payments have been reversed several times ( 4 times since XX/XX/ ). Both agents including the manager did not know my loan number on file based on my SSN and other details. They said that the loan number on file had been serviced by XXXX ( showing a clear deficiency and data record keeping ). I had to prescribe them my loan number that I had luckily saved and documented from the first statement. Otherwise, my Mortgage would be considered lost by XXXX. 

XX/XX/ - Spoke to rep and asked why have any payments been processed on my mortgage successfully. Statements from XX/XX/ and XX/XX/ have over 6 transactions showing debiting the account and then a reversal of the payment for no reason. Funds were sufficient in the account and XXXX attempts were made according to XXXX for an ACH transaction by XXXX. 

XX/XX/ - Asked agent for help setting up payment with request to pay 2 months in advance. I complied and had 2 months plus, and additional curtailment. XXXX payments applied.
Consumer complaint received 2023-06-12
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. (GA)

It has been brought to my attention that you are not blocking files when I sent with an FTC fraud report and my Documents. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX XXXX XXXX XXXX GA 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-12
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. (FL)

After acquiring a copy of my credit report, I made a distressing discovery : I have become a victim of identity theft. Given that I am currently in the process of purchasing a home for my family, this revelation has filled me with horror and concern. The repercussions of this fraudulent act have had a detrimental impact on my financial well-being. Therefore, I kindly request your immediate assistance in removing these fraudulent accounts from my credit report. Please see attached for additional documents
Consumer complaint received 2023-06-12
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. (FL)

Despite the multiple previous written requests, the unverified this items listed below still 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 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, 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 ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please update these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2023-07-31
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. (IL)

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXX XXXX : {$3200.00}