davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-18
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. (TN)

XXXX XXXX XXXX  has listed in credit reports that both my wife and I have missed 8 payments. In fact we have not missed even one without their instructing us that under the modification program we eventually qualified for, we could skip up to 2 Two payments. All other payments were made. In phone communications with them, I was told they were refusing to do anything about the false report until we served them with proof that the credit bureaus contacted them and then gave us XXXX XXXX XXXX  written reply. XXXX  immediately removed the false report from their listing. Equifax took my complaint three separate times and only sent back emails stating that the process was completed, but not once reporting what was the reply. In a fourth contact, by phone, they would not give the reply verbally and stated I would get a written copy in 3 to 10 business days. That was over three weeks ago. Now, by phone, they tell me I am no longer able to confirm who I am to begin any discussion of XXXX response or what happened to the promised written reply. The History of bad faith on the Bank 's part is atrocious, including attempts to foreclose illegally and refusing to remove PMI as required when debt went way under 80 % of value. Then, after removing it in the modification, they just arbitrarily add it.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am submitting this complaint to report inaccurate and fraudulent information appearing on my credit report as a result of being a victim of identity theft and XXXX XXXX. Despite my attempts to rectify these inaccuracies, the reporting agency has failed to address and remove the fraudulent accounts and unauthorized inquiries. 

On XX/XX/XXXX, I submitted a formal dispute letter to XXXX, outlining the fraudulent accounts that were opened in my name without my consent. These include : XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX {$15000.00} ( Repossession ) XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX- {$940.00} XXXX XXXX XXXX {$7700.00} XXXX XXXX XXXX XXXX XXXX {$62.00} XXXX XXXX XXXX XXXX XXXX In addition to these accounts, there were several unauthorized credit inquiries made without my consent, which I requested to be removed. These inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite providing evidence and documentation to support my claims, XXXX has not taken the appropriate action to block or remove these accounts from my credit report as required under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). This law mandates that adverse information resulting from identity theft and XXXX XXXX must be blocked once it has been documented. 

I am seeking immediate assistance from the CFPB to ensure that my rights under the FCRA and other consumer protection laws are upheld. I request that these fraudulent accounts and unauthorized inquiries be permanently removed from my credit report, and I be provided with a corrected credit report reflecting these changes. Furthermore, I would like XXXX to provide a written response detailing the steps they have taken to investigate and resolve this matter. 

Thank you for your attention to this complaint. I look forward to your assistance in resolving this issue.
Consumer complaint received 2018-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA (PA)

XXXX XXXX XXXX  cut avabile credit XXXX, after I paid card off and used it for a month on XXXX  limit was XXXX now XXXX I put XXXX through it today I get email notice that I'm {$60.00}. over the limit just made a XXXX payment on Monday, called them she said check credit report on XXXX XXXX it shows XXXX  and has been going up they show XXXX   and has for the pas few months, it seam that this is just an attempt to keep the debt ratio high, XXXX has done the same as the balance gets paid off the limit is lowered to maintain the same high debt ratio, this needs to be investigated, im sure ill get charged for a over the limit fee even though the lowered it with no notice XXXX   at least sent a notice.

if this would have happened before I completely paid the card off I would not think any thing of it funny I have a limit of XXXX now they shoe a balance of XXXX and say im over the limit paid another XXXX today, also what's with taking 5 to 7 days so show cred it out of my account the same day just XXXX
Consumer complaint received 2018-05-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NJ)

The company name is coinbase and they are holding my account with {$9400.00} in cash. They have deny me the option to close my account and withdraw my funds. 
They say a specialist has to look into my account. I spoke to coinbase staff over the phone and they told me it can take 5 months or more before they look into my case. my account is in good standing according to them but the only answer i get is that i have to wait for a specialist because they have a lot of work. My account was updated on XX/XX/2018 and i been waiting for a resolution since.
Consumer complaint received 2018-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I had attempted to pump gas using my debit card, but my card had been denied. I double checked my account balance to make sure I had funds available and I did have funds, but left confused as to why it was denied. I decided to call Wells Fargo after work and in calling them I saw that within a matter of hours, I no longer had funds. In reviewing the charges, I saw non-sufficient fund fees charged. I called Wells Fargo and asked them why these charges were made. They explained that I had over drafted the account. At this point I noticed charges made at XXXX ( {$150.00} ), XXXX ( {$260.00} ), XXXX ( {$45.00} ) & XXXX ( {$65.00} ) that myself nor my wife had made. These transactions all occurred on XX/XX/2018. At this point I submitted my complaint to Wells Fargo. Previous to this whole situation, I had requested a new debit card because my current card was unreadable, but never received it. This was also explained to Wells Fargo on my initial phone call. In Wells Fargo 's final investigation, they deemed that I or someone else that I had authorized had used my card. I tried to explain that none of these charges were mine. I filed a police report to offer further proof. Wells Fargo sent me a copy of the signatures used to make the purchases and none matched mine. The person who used my debit card fraudulently had even tried to use the stolen debit card at a Wells Fargo ATM. Wells Fargo has rejected my request for them to review their cameras to confirm that this was not me.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX {$830.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$760.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$1000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$100.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$660.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$810.00} XX/XX/XXXX XXXX XXXX {$690.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$640.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$620.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$460.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$470.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$430.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$460.00} XX/XX/XXXX XXXX XXXX  XXXX {$700.00} XX/XX/XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio recovery and this writer settled this account in the beginning of XX/XX/2018 however on the XX/XX/XXXX I received notification from them and credit reporting agency that there is a remaining balance. This account has been satisfied the collector received payment and is now reporting an entirely different amount owed on my credit report
Consumer complaint received 2018-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: TD BANK US HOLDING COMPANY (FL)

XX/XX/XXXX contacted TD Bank XXXX card service to have a balance transfer of {$10000.00} to my XXXX XXXX  XXXX XXXX XXXX XXXX. 
JXX/XX/XXXX the {$10000.00} balance transfer posted to my XXXX XXXX as {$10000.00} payment received. 
XX/XX/XXXX my XXXX XXXX XXXX was debited {$10000.00} and it was noted as stop payment. 
I immediately contacted TD Bank XXXX Card service. they claim that they never issued a stop payment on the {$10000.00} check. 
I contacted XXXX bank card services and they claim that TD had stopped payment. 
I spoke to supervisors at TD XXXX card services. they sent me letters and a copy of the check cashed by XXXX Bank card service. 
I wrote several letters to XXXX XXXX both the VP customer service and the office of the president of XXXX service. I included all correspondence and a copy of the {$10000.00} check they had cashed. 
I was contacted by XXXX XXXX from the office if the president of XXXX. ( XXXX ex. XXXX. I spoke to her giving her all the above details she told me she would look it and get back to me. I heard from her with in five days. NO solution she told me what I already knew that TD had put a stop on the check. 
I questioned her as to why on the back of the check was a stamp indicating XXXX XXXX bank was involved. They are our payment processing bank. I asked had she gone to XXXX XXXX no was the answer I received. 
TD bank XXXX card service and XXXX service XXXX XXXX both of these bank credit card services claim it is the fault of the other. 
I now owe TD XXXX {$10000.00} and that amount was never applied to my XXXX XXXX XXXX from XXXX XXXX. 
I paid {$400.00} transfer fee to XXXX XXXX. Where is the {$10000.00}. 


























4
Consumer complaint received 2018-03-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

XXXX XXXX is not responding to release of a second mortgage they wrote off in 2011. When approached about the issue HSBC incorrectly a release for the senor mortgage and wrote a cover letter apologizing for any inconvenience. HSBC will not respond to me or XXXX XXXX in correcting their error to file the correct release. HSBC has given us no choice but to file this complaint. We have tried everything and HSBC is delaying the transfer of the property at a high financial cost to us.
Consumer complaint received 2018-03-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

After hurricane Irma I called my mortgage company ( Ocwen Loan Servicing ) to get my mortgage payments ( {$750.00} ) pushed back for 3mnths. When XXXX rolled around they told me my payment wasn't able to be pushed to the end of the mortgage and I'll have split those payments that weren't made up over the course of the next six months along with the monthly payments which brought the payment to {$1300.00}. I explained to the bank that I have a lot of damage from Irma and that payment is going to be impossible for me to do along with repairs to the house, so they tell me to apply for a modification. I applied for the modification with the UNDERSTANDING that I didn't have to make any payments until the review is finished. I received the denial for the modification on XX/XX/XXXX and the reason for the denial is because I was 90 days past my mortgage. I called the mortgage company and spoke with a lady who now tells me in order to get my mortgage caught up I'm going to have to pay {$1500.00} over the next 11 months. After speaking with the mortgage company I called XXXX XXXX XXXX XXXX. My mother sent your information last night. I've been in my home since XXXX.
Consumer complaint received 2018-03-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (NJ)

I previously sent in a loss mitigation application with no response from Caliber. Now I have been served with a Sheriff 's notice and need a loan modification. The loan modification submission was not responded to. Caliber has now taken a position that they do not have to review me for a loan modification because of the proximity to the sheriff sale. I disagree with this premise because it is not in good faith. I do not have a large arrearage with Caliber and I have money to make a lump sum payment. I have been making payments to Caliber up until the middle of last year. I was never sent a loss mitigation package nor did I ever receive a Notice of Intent to foreclose.
Consumer complaint received 2018-03-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Franklin Collection Service, Inc. (MS)

I found out through my credit monitoring service that a collection in the amount of {$92.00} has been placed by Franklin Collection Services on my three reports. I am looking to dispute this as I never received a notice of rights under the Fair Credit Reporting Act 1692g. As mentioned in subsection ( A ) ( 1 ), the timeline starts " within thirty days after receipt of the notice ''. Since I never received a notice and it went straight on my report, I am filing this. 

I filed with XXXX, where I discovered the information. After filing the dispute, within a week the information showed up on XXXX and XXXX, even though no information was sent to me about the verification or my FCRA rights.
Consumer complaint received 2024-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This kikoff have been disputed this credit bureau for the XXXX time and have not been deleted. This kikoff account have proven to be fraud from a XXXX  XXXX and this credit bureau will not delete this fraud account. please see documents. This account need to be deleted with XXXX hours of this complaint. They failed to send me documents on how this company verified that this fraud account belong to me
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. (FL)

I am writing to formally dispute several accounts that I believe to be fraudulent and have negatively impacted my credit report. Below is a detailed list of the accounts in question : XXXX XXXXXXXX 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 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 XXXXXXXX XXXX : XXXX I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. These accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Consumer complaint received 2017-11-05
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. (CA)

XXXX/XXXX/XXXX Transunion has listed all account status in collections on my. The accounts listed have been paid off in full. My most recent credit report shows the change, credit file number of XXXX. It list all accounts that can be viewed on report in collection status. Transunion also list accounts older then 7 years 15U.S.C. 1681c sub section ( a ) ( 5 ) and 15U.S.C. 1681c sub section ( c ) ( 1 ).
XXXX has listed accounts more then 7 years 15U.S.C. 1681c sub section ( a ) ( 5 ) and 15U.S.C. 1681c sub section ( c ) ( 1 ).
XXXX has listed accounts more then 7 years 15U.S.C. 1681c sub section ( a ) ( 5 ) and 15U.S.C. 1681c sub section ( c ) ( 1 ). 
XXXX is not giving me access to my credit report and I do pay a monthly payment to view, they also will not allow a dispute. Online access is jammed and phone calls turn bad do to naive behavior of employees that do n't understand the it problem associated with online dispute. Because I 'm given the option to use online or phone, this is how I 'd rather discuss it. Using mail requires to much time and I 'm not home during mail hours of operation. Thank You!
Consumer complaint received 2024-10-09
Product: Credit reporting 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. (IL)

I WOULD LIKE TO REPORT THESE INQUIRIES AND WOULD LIKE FOR THEM TO BE TAKEN OFF MY CREDIT REPORT BECAUSE I AM A VICTIM OF XXXX  XXXX  AND THEY ARE DAMAGING TO MY XXXX. 
EXPERIAN 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 2017-11-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (VA)

XXXXComenity Bank They will start calling first thing at XXXX then the calls are repeated every hour or numerous times each hour. I would say it started on XXXX. I have tried to talk to the company and let them know when I would send a payment in but the phone calls wont stop even though I have spoken to a representive, Im just like I just talked to someone from the company why are they still calling non stop. I know Im over due with my account/ Bill but now the calls are becoming harassing/ annoying in where I cant sleep.
Consumer complaint received 2018-03-06
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

Received a call for the first time on XX/XX/17 from XXXX. The collector left a voice-mail. I returned the phone call immediately and paid {$150.00} over the phone. 

I have asked many times for written documentation and they have provided the attached on company letterhead via email. Each time I have spoken to the collector " XXXX '' the amount changes and she has told me the amount on the letter is incorrect due to a glitch in their system. Today, she stated that they did not send the attached emails to me because she could not find them. 

At no time did the collection agency send a written notice clearly stating my right to dispute. I am filing this complaint as the company uses : Deceptive practices to collect. 
Misrepresentation of the amount owed. 

809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Consumer complaint received 2018-05-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NY)

The login process at Coinbase requires 2-step authentication. Unfortunately, I do not have my old phone number ( required to recover the account information ) any longer. The following step would be for me to verify my ID, which would enable me to recover access to my account ( that has {$7600.00} ). 

This all took place in XX/XX/XXXX. Since then I have talked to representatives from Coinbase that would work with me to verify my ID and recover my account, however I have been with no response since XX/XX/XXXX. 

Between XX/XX/XXXX and XX/XX/XXXX, I have called Coinbase 's customer support 3 times, and every time they have promised a response in 24 hours - which failed to happen every single instance.