davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-14
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. (FL)

We were on and protected by the FEMA/Government forbearance after Hurricane Irma, during which time both myself and my wife 's credit report was negatively impacted when our mortgage company XXXX XXXX reported us as late on our mortgage. I called and was told there was " a mistake and some ... a few customers were mistakingly reported to the Credit Bureaus but they would issue a retraction ''. Mine was corrected, my wife 's however was not. Ive called several times on this matter and either their computers are down or something. I called this morning XX/XX/XXXX to try to get this taken care of. The customer service rep puts me on hold then comes back a few minutes later to tell me I will have to pull a copy of my wife 's credit report from one of the 3 bureaus and then fax or mail it in. I asked why I would have to do that now when I did n't have to do that before? She said she was n't sure but if I wanted it fixed thats what I would have to do. I said no I should n't have to spend my own money to fix a mistake your company made. And then I asked to speak to someone in that investigation department. She said she is that department. I asked why when I called the other day I was on hold to be transferred but their computers were down? ... she said that I called a different department, I said no it was customer service. So now customer service is the investigation department I guess. I should not have to go through this much trouble to fix a mistake on their part. I do believe they are discriminating against me as I filed a complaint on them before for their terrible customer service and mishandling of my mortgage and this is how they retaliate. I also just this past week opted out of a mortgage modification with them after they told me I would not be able to make my XX/XX/XXXX payment and would have to wait till XX/XX/XXXX to make my first payment. I said XXXX no I am not going to be late on my mortgage and go through all this again. The rep told me well thats how this works, you have to be behind if there is a hardship. I told them to cancel the modification I opt out. Today since my account was just unlocked to make my payment before the XX/XX/XXXX, I find another {$20.00} fee accessed to my payment. When I asked the above first mentioned rep she said it is a Property Preservation Fee that was made to the account on XX/XX/XXXX. I said no my mortgage has been current as of XX/XX/XXXX and I will dispute any other fees as you guys already charged me two {$20.00} fees ( FEMA Natural Disaster Billed Fee ) while under the forbearance.

The former complaint I filed was closed after the mortgage company sent in a bunch of misinformation and out right lies regarding contacts, dates, etc, to which I never got the opportunity to rebuttal. I would hope this complaint is received with more merit and a little investigation into XXXX handling of mortgages and credit reporting!
Consumer complaint received 2017-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

I took out a mortgage for $ XXXX with XXXX XXXX XXXX. I made all my payments on time but they have been misapplied by all the alleged servicers since then. In XXXX a fake straw software company called the Mortgage Electronic Registration Systems , Inc. tried to assign my deed of trust. ( Exhibit C ) Then in XXXX another fake XXXX and XXXX XXXX XXXX tried again to assign my deed of trust ( Exhibit D ). Then at the beginning of this year XXXX another fake servicer called Caliber Home Loans attempted to assign my deed of trust again. ( Exhibit B ). My deed of trust on p. 24 specifically states that only the LENDER can substitute the Trustee. None of these companies are the LENDER.The companies have not sent my Attorney the requested documentation. ( Letter dated XXXX/XXXX/XXXX ). They have not given me an updated running balance of all payments made to date which leads me to believe all this is fraud and would like for the CFPB to intervene.
Consumer complaint received 2017-12-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (MD)

XXXX-2017 XXXX XXXX in New York removed my withdraw permission because they detected that I logged in from a new device. Should have been restored in 24 hours. It was not because their system continues to believe that I am logging in from a new device. So the account remains suspended. I followed their protocol to address the issue. It did not work. I am logging in from the original device used and they still are not restoring my privilege. Only auto email response. No humans in this space. No ETA for response. There is a huge opportunity cost in hold people 's money hostage when there is extreme volatility. Should be laws that require exchanges to have a staff sufficient to address client issues. They do n't mind letting you in and collecting fees. They need to honor their side of the deal and provide legit. service. This is causing me great stress and I they can not reimburse me for that.
Consumer complaint received 2017-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

I have several inquires on my credit report from this company. I never authorize for them to pull my credit. I do not have a installment or any loans with this company. This company is reporting more than four times on my credit report. This is damaging my credit rating and I am in the process of buying a house. This company doesnt have a number to contact which I tried to on several different occasions on google website.
Consumer complaint received 2017-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I have several inquires on my credit report from this company. I never authorize for them to pull my credit. I do not have a installment or any loans with this company. This company is reporting more than XXXX times on my credit report. This is damaging my credit rating and I am in the process of buying a house. This company doesnt have a number to contact which I tried to on several different occasions on XXXX  website.
Consumer complaint received 2017-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RMB, Inc. (NC)

RMB Inc have still not removed the collection from my credit file, which was placed which I was filing for state assistance.  I have contacted XXXX XXXX, they did not tell them to place this account on collection to credit reports! They asked them to hold the account!
Consumer complaint received 2017-12-13
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. (FL)

Equifax has deleted these accounts and the inquiry then they reinserted the inquiries without notifying me via mail 5 days prior to doing so. The inquiry is a fraudulent inquiry from XXXX XXXX XXXX XXXX and also my XXXX XXXX XXXX was paid and consolidated so I do n't owe navient anything, the balances should be XXXX the account was also removed from my report and now has been added back with a balance! Equifax is in violation of the FCRA law!
Consumer complaint received 2024-08-18
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. (IL)

I received my credit report on XX/XX/2024 and notice there were accounts that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. 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 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 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 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. I also asked for the original contract to be provided and it was not. I am not responsible for this debt.
Consumer complaint received 2017-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have several inquires on my credit report from this company. I never authorize for them to pull my credit. I do not have a installment or any loans with this company. This company is reporting more than four times on my credit report. This is damaging my credit rating and I am in the process of buying a house. This company doesnt have a number to contact which I tried to on several different occasions on XXXX website.
Consumer complaint received 2017-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (WA)

This year I just went through a divorce and I found out my name was stuck on one US Bank credit card with a XXXX balance that was owned by my ex-husband way before we marry. I knew in the middle of the marriage XXXX XXXX XXXX ) he added me on the card as an authorized user but I never seen the card or used the card myself, ever. Later this year after the divorce is finalized, My ex-husband called them to remove my name off the card because it stated on divorce decree that this card belongs to him and he 's to pay it off. At this time the bank told him I was added as an " co-appliant '' and they wo n't remove my name unless the balance on the card is paid off and the account is closed. I know splitting mutual owned accounts/credit cards is common in divorces. But this is absolutely not the case. Because I did n't authorize my name to be added into his old credit card as an " co-appliant '' or " joint owner ''. As such process should be happening when both parties apply for a card at the same time. The card was not closed ( still got balance on ) when he added me, not a new credit card account was issued at the time I was added, there was not a credit limit increase by the time I was added. Plus I was a stay at home mom when my name was added. I had no income. Most importantly, I DID N'T sign anything. This year I requested to them to send me a copy of anything I signed in XXXX XXXX, they could n't provide any documentations. How could my name simply be added as " co-appliant '' if I did n't apply anything?? How does this make sense? I do not know if my ex husband was committing fraud by making fraudulent signature for me, which I 'm guessing not the case. Because all I remembered was he made a phone call. There 's no paper involved. Not even an email asking for my signature. I DID NOT authorize my name to be added into his old card and this big bank corporation simply did n't care or try to be reasonable to investigate and give me an answer.
Consumer complaint received 2017-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (FL)

Navy Federal is reporting a loan that I paid off as being delinquent. I paid the loan off in full in 2016. It is still reporting negatively on my credit. I called Navy Federal and confirmed that I did not have any outstanding loan balances with them.
Consumer complaint received 2024-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

On XX/XX/XXXX, I received an e-mail from XXXX that there had been a change to my credit report. When I looked into the details, I saw that Bank of America reported a more than 30 day late payment for my Bank of America credit card. I was shocked, since I barely use the credit card. I also had automatic payments set to come out of a XXXX XXXX checking account with plenty of funds. The automatic payments went through each month in the past and I hadnt turned them off. In addition, I had alerts turned on with Bank of America that I had also not turned off so I should have received an e-mail if there were any issues. I did not received any communication that my automatic payment had not posted or that my payment was late. 

When I called Bank of America, the representative was not sure why my automatic payments were canceled or why my notifications were turned off. When we were able to get in touch with the online banking department, they said that when I closed my Bank of America checking and savings account in XXXX, it triggered a change to the type of account I had with them ( from a checking/savings and credit card account to a credit card only account ) and therefore canceled my automatic payments ( even though they were coming from a different bank where the account was and still is still open ) and turned off my notifications. 

When I called to close the checking/savings accounts in XXXX, the representative failed to tell me that the change would trigger changes to my credit card account ( for the automatic payments and my notifications to be turned off ). In my XXXX  years of credit history, I have never had a late payment. I called and virtually chatted with Bank of America representatives XXXX times, had my case escalated multiple times, and they refuse to remove the credit alert. This credit alert caused a drop in my credit score of over 100 points, for an unpaid balance of {$150.00} that was not my fault. Their refusal to take accountability for their error has made it so I may no longer qualify for housing as I look for a new rental and may have to pay tens of thousands of dollars more for a loan as I look to buy a house in the near future.
Consumer complaint received 2017-12-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (IL)

I transferred XXXX XXXX to coinbase dated XXXX/XXXX/XXXX and the money is still not available as per promised. please help in resolving this. 

email : XXXXXXXXXXXX company : coinbase / XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (WI)

When logging into MyEquifax to see my credit report and score I am receiving an error code " XXXX '' which does not show any of my credit history or score. There is an older score available - and on their end the customer service team said they would mail the credit report and fix the log in issue on MyEquifax but no repair has been made to the log in website. It appears as if they lost my information and credit history. It appears when I go to dispute but when trying to get my three scores through XXXX, it fails because of the issue with Equifax ( so I also lost {$25.00} from that ).
Consumer complaint received 2017-12-14
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. (NV)

These accounts are not mine I recently had identity theft and submitted a fraud affidavit to all 3 bureaus. these accounts are not mine. 
1.XXXX XXXX 2 . XXXX XXXX. 
3. XXXX
Consumer complaint received 2017-12-14
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: Experian Information Solutions Inc. (VA)

Disputed accounts on my report and all three reporting agencies came back as verified. Sent a letter for Method of Verification to all three reporting all three received the letter XXXX/XXXX/XXXX. As of today XXXX/XXXX/XXXX I have not heard nothing back from none of the credit agencies about my request. I have contacted XXXX rentals asking for a signed copy of the contract to no avail. They are reporting these accounts and the credit reporting agencies are reporting these accounts that are not mine. No one can show me a signed contract. The credit reporting agencies had 15 days to show me how they verified these accounts and is well passed that time limit. XXXX is reporting a account from a collection agency that I originally disputed with all three agencies, Experian and XXXX removed these accounts but XXXX is still reporting this. Contacted the collection agency and they stated the no longer hold rights to account. But, XXXX is still reporting.
Consumer complaint received 2024-10-12
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. (IL)

There is an account from applied bank {$1000.00} with 13 late payments that also shows as closed only on the consumer reporting agency experian which is a violation of my consumer rights 15usc1681A ( d ) ( 2 ) a and 15usc6802 and I demand that this account be and late payments be removed immediately
Consumer complaint received 2017-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX XXXX XXXX XXXX WAS SUPPOSE TO REMOVE ALL HARD INQUIRIES THEY LEFT ONE DATED XX/XX/2016.
Consumer complaint received 2017-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Disputed accounts on my report and all three reporting agencies came back as verified. Sent a letter for Method of Verification to all three reporting all three received the letter XXXX/XXXX/XXXX. As of today XXXX/XXXX/XXXX I have not heard nothing back from none of the credit agencies about my request. I have contacted XXXX rentals asking for a signed copy of the contract to no avail. They are reporting these accounts and the credit reporting agencies are reporting these accounts that are not mine. No one can show me a signed contract. The credit reporting agencies had 15 days to show me how they verified these accounts and is well passed that time limit. XXXX is reporting a account from a collection agency that I originally disputed with all three agencies, XXXX and Transunion removed these accounts but XXXX is still reporting this. Contacted the collection agency and they stated the no longer hold rights to account. But, XXXX is still reporting.
Consumer complaint received 2017-12-04
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Receivable Management Services LLC (IN)

Repeatedly called by Receivable Management Services ( of XXXX Ohio ) I have not been informed of any debt but keep getting calls from this company. Everyday since XXXX. The constant calls after I asked them to stop are affecting my job. I have yet to be notified in written form of any debt they claim is owed.
Consumer complaint received 2017-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (CA)

I recently reported to the Better Business Bureau that XXXX XXXX was reporting incorrect information to the three credit bureaus ( XXXX, XXXX & XXXX ). After the BBB notified Midland of my complaint, I was made aware that my credit score had  dropped 22 points due to XXXX XXXX reporting a new collection on my credit profile. I have not incurred any recent debt so I contacted the bureaus to inquire about this debt. I was advised that this debt is for the same account number that was being reported since XX/XX/XXXX. XXXX XXXX is reporting this debt as of XX/XX/XXXX, which is considered re-aging my account and is illegal. In addition to this, they continue to report Inaccurate information such as : balance owed, date of last payment and my payment history. I have asked this company to repeatedly correct these errors but all of my request have went unanswered. Im asking for your assistance in stopping this company from continuing to do these illegal practices.