davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-01
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. (NY)

Im a victim of identity theft someone got my information and used my cards and ruined my cards, I contacted the companies and let them know what was going on. They removed the negative items on my report now its back on my report.
Consumer complaint received 2020-12-30
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. (TN)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2020-03-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OPORTUN FINANCIAL CORPORATION (CA)

I received a pre approved offer for a personal loan from Oportun I went online submitted my information I was told I was approved & that this loan approval would not impact by fico score, I was asked to finalize my loan with confirmation of my identity & employment & proof of residency & bank statements I submitted this information online, Within minutes I received several responses asking for the same information over n over than to call the phone number given to me so I called then I was told that my application will be submitted for approval & that I would receive a message for funding which I was confused because I was told I was approved prior & the information I was asked to send online was to finalize the loan. Minutes later I refuse notice that my credit was checked from my XXXX XXXX app by Oportun then I received a message I was not approved? My credit score is around 690 I called Oportun for answers as to why I was told I was approved & to finish with the loan process to fund my loan the after sending my information I was told no I was not approved & my credit reports were accessed when I was told that my credit would not be this was explained verbally & on the online application process. I was also redirected several times to different numbers were I had to give my information over n over with out clarity. The entire process is a waste of time with promises of helping those with less than perfect credit or attempting to rebuild your credit, my credit is @ XXXX in good standing I only applied to add several points to my credit profile as I was told this loan would help achieve my goal of XXXX fico.
Consumer complaint received 2020-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Account has been sold to a collection agency but original creditor ( XXXX ) still shows up on my report as well as the collection agency handling the account. The reported information shows up on my account as if I have two charge offs when its really only one for the same company.
Consumer complaint received 2020-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo Mortgage XXXX. XXXX XXXX XXXX XXXX IA XXXX I have asked numerous times for Wells Fargo to correct this false reporting. 
XXXX of XXXX through XX/XX/XXXX, I entered into a catch-up repayment plan that would keep the reporting up to date. Wells Fargo insisted that they would not report payments late because this is a catch-up plan that is fully sanctioned. I fulfilled my part and paid all as agreed, and then I resumed normal payments. 
These alleged late payments should not have been reported to the CRBs because I had entered into a plan. I ask that this be adjusted and corrected forthwith with all due respect. 
This error is causing hardship and damage to me. Wells Fargo breached their word and commitment. 
Hope you can rectify it.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (GA)

My information is supposed to be private and this comoany violated my consumer rights and FDCP laws 15. U.S.C. 1681 section 604A- Consumer can not furnish an account without my written permission 15. U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15. U.S.C. 1681 Section 602A- I have the right to privacy
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX has received a payment in the form of a credit for the amount of {$2800.00} on XX/XX/2022. This payment was verified and credited to the account. I requested that the payment be applied as a normal payment. XXXX XXXX has refused to apply the payment to both the principal and interest balances and will not code the credit as a payment to the account. XXXX XXXX has fraudulently reported an incorrect late payment after receiving a payment.
Consumer complaint received 2022-12-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (MA)

Called mortgage company for mortgage payoff. 
Sent payoff in and called customer service to notify me when received. Called everyday Called XX/XX/XXXX, they dont have check account is showing outstanding payment.Went to bank and check had cleared on XX/XX/XXXX. Called customer service put on hold, hung up on and dropped calls. Sent a copy of the cashed check and bank account was stamped on check. Resolution departments at mortgage company cant find check. Loss prevention at mortgage company cant find check. Started receiving letters from mortgage company stating that my account is outstanding! Sent everything to CEO showing they took funds two weeks ago. 

Two things I would do different one follow the check and verify everything. I did that called everyday found check. You still get the run around, notify the CEO as soon as you get no corporation. 
Pay the mortgage down to under {$100.00} dollars and then request a payoff. Very Important!
Consumer complaint received 2021-11-30
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: Experian Information Solutions Inc. (MS)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
Consumer complaint received 2022-12-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I have reached out to the company, asking them to verify and validate this debt. Only thing I received in XXXX was a bill I havent received anything else showing that this debt belongs to me. I am asking you to send me a contractual agreement between me and the creditor showing that I agreed upon with the creditor to pay this debt. Also, I am actually ask XXXX, you show me proof of validation of this death what you guys have not done so all you were doing is lying to the credit bureaus, and the customer financial protection bureau, which is wrong so I am asking you to show me proof of this death show me a contractual agreement show me everything that you have on his debt that shows that it belongs to me and that its valid also show me proof that you were license to even collect on this debt in the state of Florida also show me that the methods of verification you have taken to prove that this debt belongs to me darling steps have been taken, and all you were doing is responding to this matter say that you sent something that you did not send so my next step is to see you guys in court in which I am seeking an attorney to help with this matter because they seems like you guys have not done the proper steps according to the federal credit reporting act of 1971. Please respond to me with all these methods of verification. are these contractual agreements any kind agreement with my signature showing that I agreed to pay this creditor or I can wait in the contract with this creditor if any of those can not be provided I ask that you remove this off of my credit report ASAP or I will seek an attorney to do a canna soup against you, I need your license number showing as your license in the state of Florida I need everything show me that you guys are able to even collect but is that a first and foremost show me that this date is valid thank you have a nice day
Consumer complaint received 2021-11-30
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. (PA)

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. My request for the removable of the erroneous information about my accounts has been diligently neglected by Transunion Credit Bureau. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response from them up to this date. Therefore, Transunion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continuously reporting on my Credit Report. Here are the concerned accounts : -- -- -- -- -Chargeoff XXXX XXXX {$0.00} -- -- -- -- -- Late Closed XXXX $ XXXX Opened : XX/XX/XXXX XXXX $ XXXX Opened : XX/XX/XXXX
Consumer complaint received 2020-12-30
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)

I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2021-11-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Be advised this is not a refusal to pay, but notice that the claim is disputed, and validation is requested. Under the Fair Debt Collection Practices Act ( XXXX ), I have the right to request validation of the debt XXXX XXXX XXXX # XXXX for {$310.00}, XXXX XXXX # XXXX say I owe XXXX XXXX XXXX, or XXXX XXXX. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to XXXX XXXX XXXX Sec. ex I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay the companies named in this dispute not who they are trying to collect for.
Consumer complaint received 2022-12-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/2022, I had been tricked into paying {$310.00} and And XX/XX/2022 the amount of {$600.00} via XXXX. Through my Wells Fargo app. As soon as I realized that something was wrong, I called the bank to report it immediately while the transaction for the {$600.00} was still pending. A few days later I received a report that there was nothing they could do.
Consumer complaint received 2020-10-26
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. (UT)

XXXX XXXX and XXXX XXXX XXXX are double reporting on the same debt on my credit file. As per my understanding, it is a violation of the FCRA for 2 agencies to report on the same debt. This needs to be fixed immediately.
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. My request for the correction and removal of the inaccurate information about my inquiry has not been given any attention by Equifax Credit Bureau. Sending them a Complaint dated XX/XX/XXXX and I have not received any response up to this date. Therefore, Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here is the list of the following Inquiry that needs to remove Completed from my Credit Report. 
XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP (PA)

Good afternoon, On XXXX, I applied online for XXXX XXXX XXXX account. After applying, I tried to access the " return to application '' link to create ID and password. However, it kept erroring out after inputting XXXX  digit code received to verify my application. I have called multiple times to get status of the online access and account opening confirmation. The account application was successful according to the multiple representatives I have spoken to. Its been over a month not and yet I have not been able to access my account. Each time I was given reason of " engineering team is looking into my issue. '' One time, I was even asked to send screenshot of the error to their email address, but nobody has replied to that. 

I opened this account under promotion of {$500.00} when you do {$2500.00} in XXXX deposit. However, I still can not access my account. This is unacceptable as I have limited time to complete an account promotion for which I applied before XXXX XXXX updated the terms of promotion. I feel like I will run out of the time before I could complete the promotion due to XXXX XXXX 's inability to fix the technical issue.
Consumer complaint received 2021-11-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: DISCOVER BANK (GA)

I applied for a loan with Discover Personal Loans and denied based on the status of a previous account. The status of my previous account is that it was discharged in a bankruptcy over 10 years ago and no longer appears on any public records or my credit. 

I mailed Discover a letter to inform them that my previous account was discharged in a bankruptcy and they received it on XX/XX/21 per XXXX records. When I called on XX/XX/21 I confirmed with a member of the Discover Loan department that they showed my account was charged off. However, when I spoke with the Discover Card bankruptcy department they confirmed that they have documentation that my previous card was discharged in a bankruptcy. It is my understanding that the debt can no longer be settled due to the bankruptcy and XXXX-year statute of limitation on collections.
Consumer complaint received 2021-11-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (GA)

Coinbase Global permitted cryptocurrency, XXXX to be traded on it's platform. It is identified as a stable coin to mirror the exact cost of the XXXX XXXX ( {$0.00} ). However, since it has been on Coinbase, the price of the XXXX coin has fluctuated as normal cryptocoins, and was extremely volatile during the week of XXXX XX/XX/2021 The price of the XXXX coin went up to as high as {$0.00} and above. Coinbase permitted investors to purchase the XXXX coin all throughout its rise up to {$0.00} and above. I personally invested a total of {$11000.00} in XXXX coin at various entry points ( average purchase price was between $ XXXX ). Out of the blue and without warning, Coinbase set the price of the XXXX to {$0.00} and everyone that invested thousands of dollars, lost their investments all of a sudden. It seems like a scheme or a scam deliberately to rob people of their hard earned money. Coinbase has been evasive to thousands of people asking questions about what is going on and whether we are going to get our money back. This is a huge issue and you can find several people discussing this. Please help asap. Coinbase has frozen access to funds, and have not permitted any trading of the XXXX coin nor permitted people to get their money back at all.
Consumer complaint received 2021-11-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC (NY)

XXXX XXXX and XXXX XXXX of cross country mortgage have delayed my closing by months because of forms not being submitted properly, not locking my interest rate when I was told it was locked and numerous other factors. I have plenty of text messages of lies and promises from XXXX and XXXX. I have had numerous disclosures that I signed and every time I get a new one my mortgage payment is higher. I have text messages from XXXX stating my mortgage payment will be at XXXX and my final disclosure is XXXX. XXXX and XXXX keep apologizing and keep telling me what I want to hear but I cant trust one thing they say. I was told I will be closing late XXXX by XXXX in late XXXX. I was told by XXXX we were days from closing in XXXX. Most recently XXXX told my wife a form was sent to the state last XXXX  just to shut her up but we found out from the processor that was a lie and it was sent on XXXX. It is now XX/XX/XXXX and we are still not ready to close. These XXXX are not fit for this job. This is the biggest purchase of my life and I cant trust a word these guys say that is not how businesses should be done. This is completely unacceptable.
Consumer complaint received 2021-11-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have sent out multiple letters to update my consumer profile for the following accounts ; XXXX XXXX XXXX accounts they are not reporting correctly and I need to verify where some of the account numbers are coming from. 

Sent letters on the following dates : XX/XX/2021 XX/XX/2021
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NC)

I spotted a fraudulent charge XX/XX/XXXX on my Citi Credit card and notified Citi online the same day as the charge on my card. Citi acknowledged my dispute and credited my account for the amount. On XX/XX/XXXX Citi informed me that they considered the charge valid and was reversing the credit. Citi supplied the documentation they used to decide the charge was valid and in reviewing it Citi allowed a foreign bank to make a cash advance from the credit card which should not be allowed. 
What I believe happened A hacker with my card info opened an account with XXXX XXXX and using my card deposited {$400.00} into another account supposedly my nephew ( which I have none ) at XXXX XXXX. The bank charged a fee of {$8.00} for the cash advance. 
The documents XXXX XXXX provide are self explanatory. 
I do not have an account with XXXX XXXX My email is not XXXX I do not have a nephew and no idea who XXXX XXXX is My North Carolina driver 's licence number is not XXXX Citi it treating the disputed amount as a charge when it is a cash advance. 
It would appear that Citi is allowing illegal transactions
Consumer complaint received 2021-11-30
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. (CA)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Consumer complaint received 2020-03-01
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. (TX)

I noticed erroneous information reporting on XX/XX/2019. I have contacted the bureaus to dispute as well as requested verifiable information that I was the owner of this debt. I have proof of deletion from my XXXX  credit report. This information is not reporting properly across the 3 bureaus which is negatively impacting my score. Please assist with prompt deletion