davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc. (VA)

Convergent has called upwards of 30 times since XX/XX/2019. They are looking for someone named XXXX. There is no one at my business address named XXXX and the phone number belongs to an account with the name XXXX. Each time I have answered I have told them there is no one here by that name and they need to stop calling while removing the number from their list. They have not. 

I filed a complaint with the FTC on XXXX XX/XX/XXXX ( FTC Report Number XXXX ). Since then they have called and been told the complaint was filed. Despite this they have called twice more, XXXX XX/XX/XXXX @ XXXX and XXXX XXXX at XXXX, and been told again not to call.
Consumer complaint received 2019-07-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SYNCHRONY FINANCIAL (CA)

Account XXXX XXXX This loan was paid off late XXXX. We've been waiting for the title of the Motorcycle because we intend to sell however we've been advised by a customer service rep that it'll take 3-6 months before DMV released the title and when i called DMV i was advised that it was sent early XXXX and it was sent to XXXX XXXX XXXX XXXX XXXX and our address is XXXX XXXX  XXXX XXXX XXXX. Because of this matter we will need to take a day off from work to apply for duplicate title and address change will cost us as well. Another representative I spoke states I should've contacted the postal services and asked for my title! How am I supposed to that when I don't even have a time frame on when it'll get to me due to deceiving information from their customer service. 

Account XXXX XXXX on XX/XX/19 I received a collection call states I was sour days past due on my monthly payment. I looked at my bank statement and Synchrony bank cashed my check on XX/XX/19 for {$180.00} which is more than the monthly paynment. I called back on XX/XX/19 @ XXXX and explain that a payment was processed on XX/XX/19 for {$180.00} and was advised that they will take care of it and clear the delinquency. Since then i continue to received phone calls multiple times in a day. 
XX/XX/19 @ XXXX XXXX  I couldn't pick up because I was at work XX/XX/19 @ XXXX XXXX I couldn't pick up because I was at work XX/XX/19 @ XXXX XXXX I couldn't pick up because I was at work XX/XX/19 @ XXXX XXXX I took an early lunch to discuss the misapplied payments again because i knew they would not stop calling my number. 
XXXX @ XXXX XXXX I received another call and I couldn't pick up because I was back to work. Since this account was open I've been paying prior to due date and sending more than minimum payment and to us we've been harassed numerous times.
Consumer complaint received 2019-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I had a store card with XXXX back in 2015. Unfortunately, I had a financial issue at the time, and the account was charged off. I have since recovered, and started addressing the results of the financial issues I had in the past. I called XXXX  to pay the outstanding balance they are reporting on my credit report, but they refused to accept my payment. And although they refused to accept my payment, they still refuse to take the account listing off of my credit report. I want this account to show as paid on my credit report, but by refusing to accept my money to resolve the account, and also refusing to take the account off of my credit report, XXXX is holding my credit report hostage. Not only is this unfair, it is illegal. A company can not refuse to accept payment, and still continue to report as debt as unpaid.
Consumer complaint received 2019-07-12
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. (NC)

I had a store card with XXXX back in 2015. Unfortunately, I had a financial issue at the time, and the account was charged off. I have since recovered, and started addressing the results of the financial issues I had in the past. I called XXXX to pay the outstanding balance they are reporting on my credit report, but they refused to accept my payment. And although they refused to accept my payment, they still refuse to take the account listing off of my credit report. I want this account to show as paid on my credit report, but by refusing to accept my money to resolve the account, and also refusing to take the account off of my credit report, XXXX is holding my credit report hostage. Not only is this unfair, it is illegal. A company can not refuse to accept payment, and still continue to report as debt as unpaid.
Consumer complaint received 2024-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX BANK XXXX XXXX Balance : {$1000.00} XXXX BANK XXXX XXXX  XXXX Balance : {$390.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX BANK XXXX XXXX Balance : {$0.00}
Consumer complaint received 2019-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

I received a letter from Rushmore dated XX/XX/XXXX stating that my PMI would be removed as of XX/XX/XXXX, due to the original amortization of the loan. I had to request by fax that they do this, even though it was per our loan that it would be removed. As of today, XX/XX/XXXX, my statement still doesn't reflect that. Yesterday, XX/XX/XXXX, I received an escrow account disclosure statement and change of payment notice that still shows mortgage insurance and an incorrect amount for property taxes, and our payment increasing, for the second time this year. I received the property tax notice in XXXX for {$1600.00}. The taxes were discounted by the county because I turned XXXX last year. The amount for the prior year, XXXX, was {$2400.00}, which is what they are showing due for this year. They also added 2 months of additional escrow, initially, when our loan with XXXX XXXX XXXX was sold to them for servicing, last year, I believe in XXXX. I have spoken with their call center, and via email numerous times, and can never get an answer as to why this is going on. They continue to say that it has to be investigated. We already have a letter saying that the PMI would e removed as of XX/XX/XXXX, so that should not be an issue any longer. Please help me. They won't let me speak with anyone, ( supervisor ) when I contact the call center, which, I believe is in the XXXX. Thank you.
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (AZ)

I have been a long time customer with the Express credit card ( my card states since XXXX, but i believe it was earlier than that. ) I have worked very hard to build up my credit limit with them. I paid my balance off in FULL on XX/XX/XXXX, but then on XX/XX/XXXX they decided to post {$2.00} of interest on my account. Around this same, i was dealing with my XXXX 's credit card ( which is the same credit card company COMENITY ) because i was having issues with that account because it was hacked. I was having a really hard time dealing with them and trying to get my XXXX account corrected i was not aware that they were also screwing me over with my Express card. It took me months to finally get my XXXX ( Comenity ) credit card situation resolved. Even though i didnt feel like i should pay the additional late fees and interest on the Express card, as soon as i was aware about my Express card balance ( it was at {$36.00} at this point ), i paid it in full on XX/XX/XXXX because i didnt want it to effect my credit score and credit limit that i had worked so hard to increase up to about {$4000.00}. I was in the Express store on XX/XX/XXXX, and i was made aware that my credit limit had been dropped to {$200.00}! Dealing with Comenity has been such a disappointment, and it is very frustrating that after being a long time customer i have had such a terrible experience with them these past 7 months.
Consumer complaint received 2023-06-29
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)

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 Account XXXX Account name : XXXXXXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXXXXXX XXXX Account number : XXXXXXXX XXXX Account name : XXXX XXXX Account numberXXXX has violated my rights. Or list of inquiries 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2024-10-24
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: EQUIFAX, INC. (FL)

I have submitted 3 disputes to each of the credit bureaus. An erroneous XXXX XXXX account was put on my credit report 3 months ago. My XXXX XXXX  account has never been in collections. I even went down to the court house and got a copy of my XXXX XXXX payment ledger. The XXXX XXXX account was NEVER a collection. The bureaus are ignoring my proof that I have been sending them! I was also never late on my Mortgage through XXXX. I have requested methods of validation for how they are verifying this account. Please see my attached dispute letters to all 3 bureaus and my XXXX XXXX payment ledger and court house documents.
Consumer complaint received 2023-06-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: McCarthy, Burgess & Wolff, Inc. (KY)

Recieved calls from McCarthy Burgess & Wolff. 
Attempted to collect debt - XXXX. 
Sent mail asking for verification / validation - No reply. 
Recieved follow up texts- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Called the office - respondents refused to identify themselves- had to ask several times. 
Calls placed on hold - no responses- or just hung up... 
This is not a valid debt- per acknowledgement of XXXX XXXX
Consumer complaint received 2024-09-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

On XX/XX/year>, Coinbase locked my account for no reason. I would like to withdraw my money and they do not let me. They are telling me that my money will be on hold for 30 days. Many people are complaining about this, and there was a recent article Regarding Coinbase using peoples cryptocurrency in fraudulent ways, such as issuing IOUs, when people purchase, XXXX, or when institutions purchase XXXX. They are not giving me any reason. They dont provide phone support and I am losing money daily because of this. at first, they told me it was because I linked the business account, but Ive never linked a business account and that is a lie. Then they told me they were mistaken, and that is not why. And since then Ive gotten no reason. I have had this account for a long time. I have verified at least three times with photo ID and doing a phone interview.
Consumer complaint received 2023-10-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: Dovenmuehle Mortgage, Inc. (LA)

First off, it was a nightmare ordering and receiving a payoff statement from them. After closing, the title company wired the funds to payoff the HELOC. The wire was sent on Monday, XXXX XXXX, XXXX  at XXXX p.m. To this date, it is still not showing that I have a {$0.00} balance. I've called several times. Their customer service representatives are rude and not helpful. In " verifying '' my identity, I answered XXXX. XXXX questions for them. The last question was to verify my email address. I have only had XXXX email addresses in my life. She kept asking me if I had any other email addresses. I responded NO. She then said she couldn't verify my identity and would not be able to help me. I've called over and over again and get the same rude, disrespectful representatives.
Consumer complaint received 2018-10-30
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: EQUIFAX, INC. (TX)

Equifax still has yet, according to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ) '' through the physical verification of the original signed consumer contract '', to provide me lawful proof of verification. This was not only specifically requested by me in my original notice of dispute but also required by " FEDERAL LAW '' as the " ONLY '' lawful way to verify in order to protect my rights as a consumer. Since it has been well passed the 30 days allotted them as of XX/XX/2018 I am demanding once again that Equifax as well as the other bureaus who also are unable to lawfully verify these accounts listed below be deleted immediately.
Consumer complaint received 2023-06-29
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. (PA)

My name is XXXX XXXX XXXX and I am composing this statement on my behalf. Recently I discovered fraudulent accounts on my credit reports. According to fair credit reporting these accounts have violated my rights. According to section 15 USC 1681 section 602 states that I have a right to privacy. 15 USC 1681 section 604 a Section 2 also states a consumer reporting agency can not furnish an account without my reading instructions. 15 U S C-section 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, not later than four business days after the date of receipt. It has been 30 days and the company has not done so after receiving notice that I am a victim of identity theft. I've requested the deletion of these items as soon as possible.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX  Block Request To Whom It May Concern, This complaint is to inform you that I am a victim of XXXX, and the information listed below, which appears on my credit report, is a direct result of that XXXX. 

XXXX XXXX XXXX
Consumer complaint received 2023-06-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (IL)

On XXXX XXXX I opened an account with Chase Bank in XXXX XXXX Illinois Branch. I deposit {$300.00} cash to open the account. I never received my debit card in the mail. when I called the bank to inquire about my debit card the person on the other line said that my account was closed do yo no activity. I went in person and asked for my {$300.00} and was told that I had to call and make a complain with their fraud department. I called and the fraud department said that a check has been mailed and nothing further is to be done. I never received such check. When I call back I get the same answer a check has been mailed and when I ask if the check has been cashed because I did not cash it, I get transfer to another line and as of today I have no idea what happen to my {$300.00} dollars.
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

On XX/XX/XXXX  I deposited a check and a money order in the Bank of America ATM in XXXX, MO. ATM ID XXXX. The money order was {$640.00} and the check was {$22.00}. Later that day I saw the entire deposit wasn't credited on my online acct.. Went to Bank of America and spoke to a Teller. She said there was nothing they could do for me and that they would be mailing the money order back to me and then I could redeposit. A couple days later I received a letter from Bank of America stating the ATM deposit couldn't be deposited because it wa n't a valid check and that they would be mailing the item back to me in XXXX to 10 days. On XX/XX/XXXX  I called the number on my bank statement to inquire about the missing money order as instructed by the letter. ( reference # XXXX. ) The Bank of America representative told me they destroyed the money order and that there is nothing they could do to help me. They instructed me to tell the person that gave me the money order to have the money order payment stopped and reissue a money order. If they had returned the money order to me like they said they would I would have been able to redeposit the money. Since they destroyed it I'm out {$640.00} and XXXX, who issued the money order just made {$640.00}. What a joke. We are closing our accounts with Bank of America.
Consumer complaint received 2024-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (FL)

Aspire credit card company sneaked credit line increases twice in a XXXX month period in order to inflate bills by interest rates and late payment fees. My account billing statements I are continually over the limit which also means incurring additional interest fees and late payments fees each billing cycle. Aspire also wont verify documentation I was told they sent regarding increasing my credit limits. They hang up on me when I ask for proof of anything necessary to correct bills and late fees being reported on my credit reports.
Consumer complaint received 2024-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

While reviewing my personal credit report no XXXX I noticed some inaccuracies In the public records in the public area of my file I am requesting a investigation be conducted and verify that the information on record XXXX is correct. 

I believe this may be a error because these do not belong to. Please verify and amend these mistakes and send me a updated credit report reflecting the accurate information. Thank you for your time XXXX XXXX
Consumer complaint received 2023-10-17
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (AZ)

XX/XX/23 got XXXX $ and XXXX XXXX $ AMEX gift cards and they won't work anywhere tried XXXX for XXXX $ and didn't work won't let me add as a payment option anywhere called them they said there nothing they can do and told me to keep trying different websites until it works
Consumer complaint received 2024-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

We have a credit freeze w/TransUnion. Friday, starting at about XXXX XXXX  I tried to lift the freeze using their online system while I was online with a merchant. After I logged in, their website sent a code to my email address. After about 5 minutes ( did not time the wait ), since there was no " resend '' option on the web page, I closed the web page and attempted to login again. This time, I timed 10 minutes and when I had not received an email, I tried to login again- the THIRD time, with NO prior warning, I was told my account was locked. The web site gave a phone number to call ; but the office was closed. 

I sent them a message on XXXX, and received back a pointer to their website and a indication that I would get a response within 72 BUSINESS HOURS. 

25 minutes after the initial request for a code, the code showed up in my email. Message headers indicate the message was not SENT until 22 minutes after my first login attenot. 

Saturday morning, I tried to log in again ; but the account was still locked. I spent 15 minutes on hold and then was disconnected - I'm now on hold again.
Consumer complaint received 2023-06-27
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. (CA)

In accordance with the Fair Credit Reporting Act. The following list of accounts below has violated my Federally Protected Consumer Rights, both privacy and confidentially under U.S.C. 1681. 

The account is as follows : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account I.D . # XXXX Reporting a ( 30 ) day late payment for the month of XX/XX/2023. Inaccurate account has number been late number. 

15 U.S.C. 1681 Section : 602 ( A ) state I have a 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.

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 nor any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I am requesting that these companies abide by the law and follow the rules accordingly.