davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-29
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. (SC)

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. 
XXXXXXXX XXXX : # XXXX XXXXXXXX XXXX XXXXXXXX XXXX : # 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, has violated my rights. 


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 2017-12-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

My home was impacted by hurricane XXXX.I called Wells Fargo and made arrangements for my next payment to be the XX/XX/XXXX billing statement.I received notification that this arrangement was made via email...I just received an email below stating I missed my XX/XX/XXXX paymentI called three different departments at Wells - probably on hold a total of 75 minutes - spoke with a customer service agent who couldnt help with anything for about 3 minutes verifying information...Not a single person I spoke to could confirm the arrangement - move my payment to XXXX and waive a late fee.
Consumer complaint received 2017-12-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (WA)

On XX/XX/XXXX I wired Coinbase {$14000.00} to purchase Bitcoin. I 'd contacted their support department first on XX/XX/XXXX in regards to this wire not posting to my account. All of this was done under Coinbase Case ID # XXXX, I again tried to contact them through their online support system since they do not have phone support on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have been told that my case is with the correct support team and that is it, I 've received no estimated time my money will be available to me or any reasonable contact to make me believe my {$14000.00} is not just lost and/ or stolen or any number of other possibilities. I put in a Better Business Bureau complaint and all Coinbase has told me from that is the same reply that my issue is in the correct teams hands without any idea if or when my money will be provided back to me. I ultimately just want what I sent Coinbase my {$14000.00} for, Bitcoin. I think it is completely unbelievable that they have had my money for now over 2 months and I just keep getting the run around that the correct team is engaged but I have gotten zero resolution and really awful support.
Consumer complaint received 2017-12-07
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: EQUIFAX, INC. (CA)

After submitting a dispute form to Equifax, I received e-mails stating that the matter had been resolved with a confirmation number and links to view the results. Despite submitting the confirmation number ( XXXX ) and answering a series of questions, Equifax 's website returns an error message saying that it is unable to display results. I waited several weeks and tried again with the same conclusion. 

I contacted the company by phone in the interval. The representative claimed that the information had been corrected, but I want to see written confirmation detailing the correction or receive an updated ( free ) report. Equifax is inefficient and difficult to contact, probably by design.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

XXXX Account : XXXX and XXXX Acct XXXX have repossession remarks against me on my credit report. It is hurting my ability to work and I am not able to get any transportation because of it. They both went on private gated property and repossessed both vehicles. According to Florida law when it comes to towing you don't have permission to follow someone into a private community and tow anything. Since this was against my rights both accounts state it's repossessed and charged off then it is updating negatively when it shouldn't be able to do that According to the FCRA.
Consumer complaint received 2024-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Dear CFPB, Ive been trying to set up XXXX for XXXX Bank of America credit card but have been unsuccessful. The feature is unavailable in my account, and XXXX unsure why. Ive reached out to the banks support team, but the wait times are long, and I havent received a resolution, my account " access '' and app are too old without these features. 

As a result, I missed my payment due date for the past XXXX months, and Ive incurred late fees despite paying only XXXX days late. I believe this issue could have been avoided if I had access to XXXX. 

Thank you for your help.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I am writing to formally dispute the incorrect address listed on my credit report. The address in question is XXXX XXXX XXXX XXXX GA, XXXX. This information is inaccurate, and I request its removal in accordance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, which entitles me to dispute any information I believe is incorrect. 
To support my claim, I have included copies of my identification and documentation verifying my correct address. 
Please investigate this matter and remove the incorrect address from my credit report. I would appreciate a written confirmation of this action, along with an updated copy of my credit report reflecting the changes. 
Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2017-12-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: REGIONS FINANCIAL CORPORATION (TX)

I am a victim of identity theft. Regions has requested that I fill out their identity theft document which is attached to this complaint. Also attached is a copy of my photo ID and the letters I received from the other banks where fraudulent accounts were opened and the FTC affidavit of identity theft as well as a copy of the lease for the apartment I lived in during this theft. The police report number filed with the XXXX Police Department is XXXX
Consumer complaint received 2017-12-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (GA)

Company name : Coinbase, website : https : //www.coinbase.com I made a transaction in coinbase. During the registration, it asked me for last 4 digit of social security number and my residence information, I provided all the information. 

I was able to made transaction on ( XX/XX/XXXX ) and, it was promised to me that XXXX ( cryptocurrency ) will be available with in a week ( XX/XX/XXXX ). 

when XXXX ( cryptocurrency ) was increased from {$100.00} to {$300.00}, company told me that they can not transfer the XXXX. 

It is a loss to me, if they denied me during the transaction itself I could go for to other exchange. 

I did the transaction of {$2100.00}, my account was showing the limit of {$3500.00}, so it was with in the limit. limit couldbe increase if I upload my id. during the transaction they did n't ask me to upload my ID for this amount of transaction. 

Please check the attchements
Consumer complaint received 2017-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

We have contacted Rushmore Loan Management multiple times about removing our Private Mortgage  Insurance. They continue to give us the run around and fail to reply back to us. They told us via mail that we qualified to remove our PMI. They told us the loan to value had to be below 80 %. And denied us an appraisal. We had to file a complaint with the BBB to get them to order an appraisal. The appraisal, which they refuse to furnish a copy to us, they state shows a 78.8 % loan to value. This is below the 80 % stated they told us via the telephone. Now they are telling us it has to be below 75 %. The actions of this company are criminal. We have been fighting with them since XXXX XXXX  2017, 8 months at the time of this complaint, to remove the PMI.
Consumer complaint received 2017-10-16
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. (NY)

I have disputed inaccuracies on my credit file. TransUnion refuses to investigate instead writing to me to say they need proof of my address ( s ). I have verified my address ' 10 times in 10 years with a copy of my drivers license, utility bill XXXX XXXX PAID receipt. TransUnion sends this letter in an attempt not to have to investigate my dispute. I have a US Postal XXXX XXXX for 20 years and a physical address for 12 years, I have sent proof many times. Again today.
Consumer complaint received 2017-10-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC (SC)

I do not have a signed contract nor any contract with Harvard Co. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX PHYSICIAN. I am not responsible for this debt with Harvard Co. Also upon further review of my own I discovered this company is not licensed nor bonded in the state of South Carolina to collect any debt. I am in receipt of my credit report dated on XXXX XXXX, XXXX. I am for certain that I do not owe your company any money. For starters, I have never done business with you. In fact, I had never heard of your company until having received my credit profile. What I find strange is your attempt to settle the debt with me when I do not owe you any money in the first place! Please see this as me disputing once again this alleged debt with your company as well as requesting debt *VALIDATION*. You have more than enough time for you to send me and CFPB legal supporting documents bearing that I 've done some type of business with you, *HENCE OWING YOU MONEY*. This is not my debt. Since this " UNKNOWN '' debt appears to have been sold to a collection agency anyway. The contract should be CANCELLED!
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BetterNOI, LLC (FL)

Attn : Screening Reports XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX This is the letter I sent the company and I included copies of my identification. The letter I sent Screening Reports will be as follows. 

To whom it may concern, Please consider this a formal request to investigate and correct the following ALL inaccurate items on my credit report issued by your agency. 
These items must be removed in order to show my true credit history. 
I make this request pursuant to 15 USC Section 1681i of the Fair Credit Reporting Act of 1997. 
As required by the Act, Under 15 U.S. Code : ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 
Item Number Company Name Account Number Comments 1. All Name, DOB etc. listed 2. All Social Security Numbers listed 3. All Past and current addresses listed 4. ALL Evictions listed 5. All Collections accounts listed 6. ALL Credit Accounts listed 7. ALL Credit Inquires listed 8. ALL Public Records listed 9. ALL Credit Summary listed 10. ALL Criminal Records Listed 11. ALL Identify Listed 12. ALL Installments listed Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. 

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. 
Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. 

I HAVE INCLUDED COPIES OF MY DRIVERS LICENCE, PASSPORT AND SOCIAL SECURITY CARD IF VERIFICATION. 
ALL INFORMATION LISTED ON THIS REPORT IS INACCURATE. ITS A TOTALLY DIFFERENT PERSON. 

Thank you for your assistance in this matter.
Consumer complaint received 2024-09-29
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (GA)

An Erroneous account reporting on my Credit Report Dear Sir/Madam, I am writing to express my concern regarding a significant data breach that reportedly compromised the personal information of nearly 3 billion individuals, including mine. According to recent reports, the stolen data includes sensitive information such as Social Security numbers, phone numbers, email addresses, and mailing addresses. Given the scale and severity of this breach, it is crucial to address the impact on individuals affected by this incident. In addition to the breach, I have discovered an account entry on my credit report. 

This entry is not only inaccurate, but I have never received a service nor product from company LVNV Funding. This is causing undue harm to my creditworthiness and financial stability. As a direct result of the breach, I am concerned that my personal information may have been used maliciously, leading to this erroneous reporting. 

I am a victim of a Data Breach : My personal information, including Social Security number, email address, and other sensitive data, was compromised in a recent cyberattack. A fictitious account is reporting on my credit from LVNV, I have asked this company to provide information on how my information was received and provide me a contract from their company with my signature and a service or product I have received. 

To no avail have LVNV provided me the requested contract with my signature. For this reason this is my reason for making a compliant with LVNV.I have contacted the credit reporting agencies to dispute the erroneous bankruptcy entry and requested a fraud alert be placed on my credit file. I have also monitored my financial statements for any signs of identity theft or fraudulent activity. Requested Action : I kindly request the FTCs assistance in investigating and they directed me the CFPB. Thank you for your time and assistance. 

Respectfully yours,
Consumer complaint received 2024-09-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONTRACT CALLERS INC (CA)

XXXX XXXX Account # XXXX Date of birth : XX/XX/XXXX XXXX XXXX XXXX, XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX CONTRACT CALLERS INC XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX Re : Disputing error [ s ] on credit report Dear Contract Callers, I am writing to dispute items and request a correction of the following information that appears on my [ XXXX, XXXX, XXXX ] consumer report. 
I am disputing this debt. The report shows I currently owe money for this account. This XXXX XXXX XXXX account was paid and closed in XXXX. Please do not call, text or email me about this matter. 

Dispute 1 : Collection agency has not provided me with validation information under 12 CFR1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report. 
Dispute 2 : I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( l ). 
Dispute 3 : Collection agency is violating my consumer rights by using false, misleading, misrepresentation and deceptive means. 
Dispute 4 : Collection agency has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12CFR1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) Dispute 5 : Collection agency is listed as original creditor. XXXX XXXX XXXX was originally original creditor. 

I am requesting the following : 1. I am requesting you provide me with validation of this debt.

2. I am requesting the agreement between Contract callers and the original creditor.

3. Please provide proof that you are licensed and bonded.

4. Removal of this collection from my consumer report immediately. If this collection is not removed immediately, I will pursue all legal remedies available to me. 

Thank you for your assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2017-10-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: National Recoveries, Inc. (PA)

I have submitted previous complaints and the Lender continues to lie about their settlement of my resolution. My former compain # 's are # XXXX and # XXXX. I have been on XXXX XXXX and XXXX XXXX XXXX and due to my doctor having me out of work so long, I was terminated. Please refer to my previous two ( 2 ) claims submitted as both the Department of Education and National Recoveries have different totals and have NOt triEd to work with me. I called the Ombudsman at DOE and several people at National Recoveries Service. 

I received a letter from DOE on XXXX XXXX, XXXX and when I called they directed me to National Revcoveries. Mind you, there is almost a {$25000.00} disparity in the totals. I feel like I 've been given the run around as National recoveries initiallly accepted a payment plan with me on XX/XX/XXXX for $ XXXX and then reniged on their offer as I tried to pay the next month. I told them I was on XXXX and had little pay however, I could pay the agreed upon {$150.00}. I have a transaction # XXXX which was paid on XX/XX/XXXX at XXXX XXXX EST. 
When I went to make the next month 's payment, I was told that the employee that made the plan was moved to another department and my payment agreement was not acceptable. I was encouraged to get on the XXXX payment plan instead. 

I expressed my dissatisfaction and lack of professionalism of NRS and the DOE. I have not received ANY paperwork from them in over a year. I just recently got a letter from the Department of Education with much lower total amounts and was informed to call them immediately. I must tell you both entities are VERY unprofessional. They have put this on my credit report and threatened WAGE GARNISHMENT and Taking my TAX RETURNS. These entities should NOT be able to treat people like this as they are not telling your rganization the truth in their resolution responses as you can see from reading the aforementioned. 

HELP! HELP! HELP! HELP! HELP!
Consumer complaint received 2017-10-16
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. (CO)

Requested Transunion original creditor to send validation or remove from credit report. The only thing they say is that account is verified. I never received any validation from anyone.
Consumer complaint received 2017-10-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (MI)

In XXXX into XXXX preapprpved through local mortgage company for cha for XXXX w 3.5 %  down asked by amerisave to upload deppaoys XXXX numerous contract all reuploaded within 24 hours.  On day of close XX/XX/XXXX amerisave decided to tell title company that loan was n't going through after cousins accou t through XXXX XXXX was dinged for wire live transfers. Had to move because buyer need weekend to redo kitchen living bathroom and need money for down payment of new house and to pay off his loan. Letter of homeless caused by amerisave and then they co rates me in XXXX and wonder about why I did n't close yet. Resigned papers 5 times have emails and proof. Rate locked at 3.5 to close showed 3 %
Consumer complaint received 2017-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

On XXXX XXXX, XXXX, I called Experian to file a dispute on my XXXX XXXX XXXX tradeline. The dispute was for the incorrect reporting of a 30 day late in XXXX XXXX and a 30 day late in XXXX XXXX. Experian stated that those dates were both reported as 30 day late payments from XXXX XXXX XXXX credit reporting department. On Monday XXXX XXXX, XXXX, I spoke to a representative in the President 's Office at XXXX XXXX XXXX and she confirmed with the credit reporting department that I was NOT 30 days late in the month of XXXX or XXXX XXXX, and that I was not late at all in the year XXXX. On XXXX XXXX, I submitted a written request to Experian Customer Support and someone named XXXX XXXX responded, I requested that a Manager from the Dispute Department to contact me and I have yet to receive a phone call or email from anyone at Experian. I received a letter from Experian dated XXXX XXXX, XXXX stating that " our reinvestigation of the dispute you recently submitted is now complete ''. How is the investigation complete and I just submitted to you on XXXX XXXX, XXXX?! I have called several times and XXXX XXXX XXXX is saying that it is Experian 's fault for ignoring the information that they are submitting to them with the monthly reporting information, and Experian is saying that it is XXXX XXXX XXXX 's fault because they are continuing to report my account as 30 days late for both XXXX and XXXX of XXXX. Experian is not contacting XXXX XXXX XXXX to obtain correct information from the actual Credit Reporting Department themselves, and XXXX is saying that the incorrect reporting is not their fault it 's Experian 's fault. This needs to be corrected and XXXX XXXX Credit Reporting department needs to send the correct payment history for XXXX to Experian, and Experian needs to report my information correctly. I have not been late on my account in over two and half years, and this situation is unfair and frustrating.