davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-24
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: CarFinance Capital LLC, Irvine, CA Branch (CA)

On XXXX XXXX, 2017 when l checked my credit report l saw that there are 5 different hard pull inquiry reports on XXXX.

1- XXXX XXXX XXXX 2- CARFINANCE.COM 3- XXXX XXXX XXXX 4- XXXX XXXX XXXX 5- XXXX XXXX XXXX They are all unauthorized and without my knowledge and permission.
Consumer complaint received 2018-01-24
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: OpenRoad Lending (CA)

On XXXX XXXX, 2017 a financial solutions company called " XXXX XXXX '' contacted me on the phone and offered me a refinance on my existing auto loan. 
I asked them about what interest rate they can give me and they asked for my personal information. I particularly told them that if there will be a hard pull inquiry l would n't accept it at all and they insisted me that it was definitely be a soft inquiry and wo n't hurt my credit score so l said OK, just give me the rate. 

And the next day when l checked my credit reports l saw that ; Five different hard inquiries on XXXX, 1- XXXX XXXX XXXX 2- XXXX XXXX XXXX 3- XXXX XXXX XXXX XXXX 4- XXXX XXXX XXXX 5- XXXX Two different hard inquiries on XXXX ; 1- IXXXX XXXX XXXX 2- OPENROAD LENDING One hard inquiry on XXXX ; 1- XXXX XXXX XXXX
Consumer complaint received 2023-08-24
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TX)

Rushmore Loan Management Services needs to be investigated for illegal loan servicing. 

They disbursed Escrow funds out of my account on XX/XX/XXXX for XXXX XXXX / XXXX XXXX. Around XX/XX/XXXX they placed a stop payment on this first check without telling anyone. We have Rushmore on a recorded call stating that it was THEIR mistake as they put the wrong Policy Number on the disbursement check. This caused the check to bounce due to stop payment and a {$35.00} charge was issued. This was Rushmore 's error as stated by both them and the Insurance company. They reissued the check. 

BUT THEN, when it came time to pay the insurance company the {$35.00} due to Rushmore 's error, they took or stole it from m

y Escrow Account when it should have been paid from their Corporate funds since this was their mistake and we have that on a recorded call of them admitting that on their end. My Escrow account is now Short and I ha
ve wasted my valuable time dealing with their incompetence 's and expect to be reimbursed for the {$35.00} to my Escrow account and a separate reimbursement for my lost time and troubles. They have mis-managed my Escrow account.
Consumer complaint received 2018-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (AZ)

I deposited a check from my brokerage account to my US Bank checking account in the normal course. Us bank sent me a letter indicating they had reason to believe the check would not be paid. Customer service at us bank sent me to fraud, and then to my branch to resolve. They could not resolve the issue which was an unreasonable hold of 14+ calendar days to clear the funds.
Consumer complaint received 2023-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On my statement dated XX/XX/23 : Due date and amount due is : XX/XX/23 in the amount of {$270.00} ( {$270.00} principle and {$.00} interest ). The amount due is the last amount due on my mortgage, aside from {$1400.00} that I deferred during Covid-19. I made my mortgage payment online ( which is the payment process I submit all my payments ) on XX/XX/23. I tried to submit a payment in the amount of {$270.00}, however, when I tried to make a payment, I received a prompt that stated " Amount must be between {$270.00} and {$270.00} ''. So, I went to " other payment option '' and made a payment in the amount of {$270.00} ( which was the only amount I could submit ). After a couple days after submitting the payment, I noticed the payment was deducted from my checking account and the payment went to " unapplied credit '' on my mortgage account. On, XX/XX/23, I chatted with an online representative and they stated they would send in a ticket to have my payment sent from " unapplied credit '' to my mortgage payment. They said to wait for 4 days for the payment to apply. I waited XXXX days and the payment was still under " unapplied credit ''. I then called the mortgage telephone number several times and talked to a representative on ( I believe the dates were ; XX/XX/23, XX/XX/23, XX/XX/23 and XX/XX/23 ). ALL OF THESE representatives gave me the same runaround as the representative I chatted with .... '' my payment would be applied to my mortgage payment ''. I also called my local fifth third branch on XX/XX/23 and they stated I needed to go to the branch to make my payment and have it applied. I went to the local branch and they said they could not help me make the payment. They chatted with someone online and that person told me to call the mortgage telephone number. Which I did call and the date is shown above. Also, on XX/XX/23, the representative told me to give them my checking account number so I could make a {$1.00} payment since the amount I paid was almost {$1.00} short. That payment was taken out of my checking account and sent to " unapplied credit '' on my fifth third mortgage account. On XX/XX/23, Fifth Third charged me a late payment fee in the amount of {$13.00}. On XX/XX/23, I requested to speak with a supervisor but the representative told me this was not possible at that moment and I will have to wait for a supervisor to contact me within 72 hours. I believe I have been patient enough and I need this situation handled ASAP. I have wasted hours of my time and have received several mail correspondences as well as emails regarding my late payment. I made the payment on XX/XX/23. XXXX payment is not late!! Please help!
Consumer complaint received 2023-04-27
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. (NC)

These accounts listed are in violation of the 15 U.S. Code 1681. Due to the inaccurate reporting, I would like these accounts removed there was no proof or signature that I own this debt. This Is Illegal!
Consumer complaint received 2023-04-29
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. (FL)

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-01-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

In XX/XX/XXXX, I used Coinbase to buy and sell Bitcoin. I have over 200 ( I 'm a XXXX citizen, but Coinbase are a US based company ) in my account which I now wish to withdraw.

On XX/XX/XXXX, I followed Coinbase 's instructions on how to verify my bank account. This required the sending of a SEPA transfer in Euros from my account to Coinbase using a specific reference code. A total of 6 was sent, in accordance with their instructions for minimum values. Coinbase claims that it will take 1-2 days to verify a bank account. I followed their instructions to the letter, and when my SEPA transfer showed up in my Coinbase account the stipulated reference was clearly visible.

I grew concerned after 4-5 days that I had not heard anything, but gave Coinbase the benefit of the doubt given that it was XXXX. However, after 10 days I decided to get in touch to check the progress of my account being verified. Coinbase 's website makes it very difficult to get in touch with them. The only mechanism for 'contact ' is a bot helpdesk which was unable to give any advice on the matter at hand. When I did eventually find an email address onXX/XX/XXXX, the email bounced because it is no longer in use. A response from Coinbase gave a separate email to contact.

I emailed this new address on XX/XX/XXXX to request an update as to when my bank account would be verified. My request was very clear - it stated that I had followed their instructions, successfully deposited a SEPA transfer, and that I just needed my account to be verified. I got a response that same day from an employee called XXXX, but it simply listed the instructions on how to verify an account - they did not make any attempt to address the specific issues outlined in my correspondence. I responded to XXXX within 15 minutes to clarify my request and ask that they simply confirm when my account would be verified. I then received a response the following day ( XX/XX/XXXX ) stating that my case had been escalated to a specialist. That is the last I heard from Coinbase.

I emailed them chasing a response on XXXX XXXX, XXXX, XXXX, XXXX, anXX/XX/XXXX, and have sent multiple XXXX/private DMs to their @ Coinbase and @ CoinbaseSupport accounts. They are simply refusing to respond.

At this point I am very distressed by this matter as I now believe Coinbase to be a scam company who are stealing money from innocent investors. Screenshots of my Coinbase account showing verified receipts of SEPA transfers with dates are attached as evidence of my having followed their guidance correctly, and to versify my account of the dates in this complaint.
Consumer complaint received 2023-08-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion, Please see attached and below - I am unable to log into my account online. I have tried calling your phone number and you make it impossible to reach anyone with all your prompts that do not work.

1 ) I want to be able to log into my TransUnion account online at www.transunion.com 2 ) I want my TransUnion account to be a free account.

3 ) I want full access to my account and be able to freeze or unfreeze it as I desire. As of right now - I am not able to login online.

Please resolve as soon as possible.

Attached are my drivers license, social security card, and address.
Consumer complaint received 2023-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (IA)

Having an awful experience with Wells Fargo Support, i filed a fraud claim against XXXX  on 3 transactions totaling {$900.00}. my claim was denied and im at a loss for words here, the XXXX  account isnt even my name, it literally says " XXXX XXXX '' and i reported the transactions as soon as i realized them. i dont know what else to do but file A CFPB report. Their fraud department isnt doing me any justice so i have no choice. i should be covered by Regulation E for these types of things. 

The claim number XXXX
Consumer complaint received 2023-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Bread Financial Holdings, Inc. (TN)

I am requesting help for an existing complaint ( XXXX ) which was closed on XX/XX/XXXX. The original complaint is as follows : I use XXXX bill pay service. On XX/XX/XXXX I mistakenly made a payment to my old, expired XXXX XXXX XXXX XXXX card issued by Comenity Bank through XXXX 's bill pay system. The amount of the payment was {$3700.00}. The card number on that account is XXXX XXXX XXXX XXXX. The card expired in XX/XX/XXXX. I have contacted Comenity on several occasions and were told that they have no ability to search old accounts and suggested I ask XXXX to file a dispute against them to get my payment sent back to XXXX. I filed a dispute and after 6 plus months, XXXX has been unable to retrieve my payment from Comenity. Comenity also told me that I had no way of contacting directly their dispute center... very odd I thought. XXXX has verified that Comenity did receive the electronic payment from my bank account on XX/XX/XXXX. The Comenity folks told me that the payment should have bounced back to XXXX since the XXXX  account was no longer valid but that has not occurred. Any help at this point would be greatly appreciated. My XXXX checking account number from which the payment was sent is XXXX. My address at the time we had the XXXX card in XXXX was : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( we have since moved to XXXXXXXX XXXX  ) Please let me know if you require any further information. Thanks in advance for the help! 


That complaint was closed on XX/XX/XXXX when Comenity responded : Company 's Response Weve located the payment and an electronic refund will be issued for {$3700.00}. The electronic refund should be deposited into the bank account within 10 business days. 

MONETARY RELIEF AMOUNT {$3700.00} However as of XX/XX/XXXX ( over the 10 business days promised ) I STILL have not received the electronic refund into my XXXX checking account.. I have contacted Comenity by phone and but they still have no record of my old XXXX card account or of the electronic payment referenced in their response to my original complaint. Any assistance will be greatly appreciated.
Consumer complaint received 2018-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (LA)

In XX/XX/2018 cardholder sought lodging in XXXX area for work. 
XXXX XXXX, XXXX XXXX, XXXX, broadcasted special daily room rate via the company 's web site. Buyer data entered including account number XXXX. In returning confirmation details, XXXX changed the terms of the sale ; its per diem room rate became variable. The advertised daily room rate was fixed, " x dollars per night. '' The vendor was telephoned and asked to cancel because my employer would not accept variable rate terms. Vendor indicated supervisor was notified with 3 other offers in lieu of total cancellation. After discussion ran its course for a resolution, deduction was same, hotel company unwilling to charge fixed rate. The resulting claim came as a surprise.
Consumer complaint received 2023-04-29
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. (AZ)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2023-04-29
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. (OH)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$2000.00}, XXXX XXXX XXXXXXXX Balance : {$5800.00}
Consumer complaint received 2018-09-10
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. (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 These are grave errors that I recently discovered during a review of my credit report ... there are no contracts for the accounts ... these accounts were settled quite sometime ago with the original creditors.Consequently, I have contacted the collection agencies, and they have informed me that they have not and can not validate these erroneous debt claims, because they do not exist ... now this is against F.C.R.A. law, and litigation will follow if they are not removed ...
Consumer complaint received 2023-04-29
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. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The only names that should be on my file is XXXX XXXX or XXXX XXXX The only address is my home of 10 plus years XXXX XXXX XXXXXXXX XXXX MI and XXXX XXXX XXXX XXXX XXXX mi XXXX. My Identity was stolen still trying to put it all together I made a report with my local PD and and frozen all my credit reports and taking the next steps with my local PD
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, 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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : DEPT OF EDXXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX has violated my rights. Section 611 of the FCRA ( 15 U.S.C 1681i ) section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) Section 623 ( a ) ( 4 ) Section 607 B of FRCA. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (NY)

I called the company XXXX XXXX to inquire about payments on XXXX XXXX, and was told erroneously that I was current, because the employee misread some refund escrow check and took it for a payment. 
I am on autopay for my XXXX payments from my XXXX XXXX checking account to my XXXX XXXX  mortgage account Missed the XXXX XXXX payment, and that cancelled the autopayment against my will I did not realize it, so I missed XXXX more payments When I realized it I made the payment for the XXXX missed payments on XXXX, but my XXXX XXXX had already been affected. 

my account is now current