davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-17
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: Bread Financial Holdings, Inc. (GA)

I have the following companies and XXXX know that I have seen many unrecognized and unauthorized inquiries into my credit report that I did not do. I have yet to recieve an response from XXXX or the companies regarding my request to remove/investigate these inquiries. The inquiries in question are ; XXXX XXXX XXXX :XX/XX/XXXX, XX/XX/XXXX XXXX XXXX :XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Comenity Bank : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX :XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : XX/XX/XXXX XXXX :  XX/XX/XXXX,XX/XX/XXXX Aliance XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2017-08-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

Hello, This complain is regarding Coinbase. I have over {$10000.00} cash that I have wired to my Coinbase account. They have indicated that they have accepted the wire and credited my USD wallet. I also have over {$8000.00} value of Litecoin and Bitcoin that I have purchased. Here 's the problem : I ca n't access any of it. They wo n't let me purchase more bitcoin. They wo n't let me take the money out. They wo n't let me do anything with it. They indicate ( via automatic notification ) they need to verify my identity. I have given them all the information they have asked for including a photo of my California Driver 's License. I requested help from support on XXXX XXXX, XXXX. No response from them other than an automated response that says " Due to increased volume it may take several days to receive a response. '' I have read  online on other forums that other people are having the same problem. They are n't getting a response after waiting weeks. I do n't have weeks to wait to use my own money. It 's not right that I ca n't access it as they claim I should be able to do. Please help!
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter that I believe to be an inaccurate reporting on my credit report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX I am confident that this is an error and wish to formally dispute it, hoping you can assist me in this matter. 

The issue pertains to a lease account that I had with XXXX. Throughout the course of the lease, I consistently made my payments on time, ensuring my financial responsibility was upheld. However, it has come to my attention that XXXX reported negatively against my credit report, which, given my payment history, I believe to be erroneous. 

To further complicate matters, XXXX delayed in closing my lease account by a month, even after I had settled the final bill. This delay, coupled with the inaccurate reporting, is having an unjustly adverse effect on my credit score, which I am earnestly trying to maintain in good standing. 

I wish to emphasize that I have always upheld my financial obligations with due diligence, and this can be validated by my payment history. I have receipts and bank statements to demonstrate that I made payments on time, and I am prepared to provide these as evidence if required. Furthermore, the payment for the final bill was made promptly, and I have documentation to verify this too. 

The misreporting by XXXX has caused me undue stress and financial hardship as it directly affects my creditworthiness. I believe this issue may simply be an administrative error or oversight, but its impact is far from trivial. 

Given the evident discrepancy, I kindly request that the CFPB intervene and assist in rectifying this issue. The inaccurate information should be removed from my credit report, the account should be marked as closed, and my credit score should be corrected to reflect my actual credit history. 

I appreciate your immediate attention to this matter and am hopeful for a resolution that aligns with the factual information. I believe in the fairness and efficiency of the CFPB and trust that you will handle this situation with the utmost care and urgency. 

Thank you for your time and consideration. 

Sincerely,
Consumer complaint received 2023-04-08
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. (TX)

This is XXXX XXXX and I am submitting this CFPB complaint to demand immediate correction of my Credit File in accordance with the FCRA. I have made repeated attempts to dispute several items on my report, yet they have been continually disregarded. It is imperative that you promptly investigate this matter as mandated by the FCRA. Failure to comply with these legal obligations will leave me no option but to consider pursuing legal action. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request the correction of inaccurate or incomplete information from my credit report. I need my Credit File clean from the following erroneous items : XXXX XXXX XXXX XXXX XXXX Balance {$50000.00} XXXX XXXX XXXX XXXX XXXX Balance {$29000.00} XXXX XXXX XXXX Balance {$68000.00} XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX XXXX XXXX Balance {$12000.00} XXXX XXXX XXXX XXXX  XXXX Balance XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX : Bankruptcy Reference Number XXXX Date Filed XXXX XXXX, XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX. Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX - XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX # XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. Under section 611 of the FCRA, credit bureaus are required to investigate disputes within 30 days of receiving them and correct any inaccuracies found. Additionally, section 609 of the FCRA requires that credit bureaus provide consumers with a free copy of their credit report if their dispute results in a change to their credit file.
Consumer complaint received 2017-07-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Bread Financial Holdings, Inc. (CT)

purchased a software to recuperate my data off my cellphone and XXXX computer off XXXX The software is 100 % warrantee according to developer. But paypal credit would n't return my money since they said the license purchased is valid. I know the license is valid but the product is useless and does n't work as intended. The company is based on XXXX XXXX and they do n't answer back to their tech support inquires. <P/>Theres a middle company named XXXX which process the licenses and payments ( XXXX XXXX XXXX ) with address as follow : XXXX Corporate Office See on Map XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX XXXX XXXX Either PayPal credit or XXXX it 's willing to return my money back. Both companies has been provided with the error code : XXXX XXXX Status.plist not found. <P/><P/>the orders were as follow : XXXX XXXX {$19.00} XXXX XXXX {$34.00} I feel PayPal credit is not actin fully to the extend of law or handling the claim as it should : " Item not as described ". Need help please.
Consumer complaint received 2023-04-08
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)

The most recent letters disputing the inaccurate information on my credit report were sent on XXXX XXXX, 2023 and XX/XX/ 2023. Instead of resolving or removing the inaccurate personal information and accounts ( that I have been disputing and sending letters for 6+ months ), they are sending me letters to stall. 

Their letter dated XXXX/XXXX/2023 stated " ... we won't process requests unless they come directly from you or an authorized third party. '' This is completely unacceptable! I have received multiple letters from Transunion like this. I am sending these letters, not a third party. How could they determine that these letters are not coming from myself? They are violating my rights! 

These stall letters are tiring, frustrating, and a complete stall tactic. Transunion needs to remove the inaccurate information immediately.
Consumer complaint received 2017-04-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (IL)

I am writing with a formal complaint regarding the servicer of my federal student loans, FedLoan Servicing. I have been consistently appalled at the unprofessional and negligent business practices of this company. My main issues can be summarized in  XXXX  points  : 1 )  Processing times for ANY request, including requests that must be made  annually ( re newal of an income-based repayment plan, for example ) routinely ta ke 2-3 m onths, during which time all payments are placed on hold. For borrowers who are working towa rd Public Service Loan Forgiveness ( PSLF ), the se are huge delays in ultimately seeking loan forgiveness. Furthermore, it has been reported that the first batch of borrowers seeking loan forgiveness under the PSLF program have been denied because they have not mad e 10 cons ecutive years of payments. Given annual payment interruptions of  2-3 m onths with FedLoan Servicing, it would be impossible for anyone to qualify for loan forgivenes s. 2 ) a ny issues with the account are not communicated to the borrower. For example, when I submitted a request to renew income-based repayment, my request was denied because my employer verification was not updated, but no one from FedLoan Servicing contacted me with this issue. I assumed the request was taking the standard 2-3 months to process. After calling to follow-up, I was told that my employer verification needed to be updated. On an on ... I literally have to call the company for weekly updates to be sure things are being processed as expected because FedLoan has not once reached out to let me know there is an issue. Frankly, it is criminal that this is the only servicer that can handle PSLF loans. I do n't know who they paid for that privilege, but their customer service is atrocious. If they did not have a monopoly on these loans, borrowers would certainly leave. They should be held accountable by SOMEONE.
Consumer complaint received 2017-04-19
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (AZ)

Due to suspicious activity involving my husband 's social security number,  on  X/X/XX  I signed  on to Experian.com to get a free annual credit report. I was presented with a confusing screen asking me for my credit card and informing me that a {$1.00} charge would be on my account. I thought this was strange sin ce one repor t per year should be free, but I entered the information. On  4/14/17 , I noticed a {$21.00} charge from Experian and called to inquire. I was told that I had actually signed up for an Experian account with a {$21.00 } (! ) mo nthly fee. I explained that a mistake had been made, that it was never my intention to sign up for such an account and that the account had never been accessed. They offered to cancel the account but refused to refund the initial charge. In the past, every business I have dealt with has been accommodating and offered a refund when it was clearly not an individual 's intention to sign up for a services offered in a confusing way on a website. They have refused to do so. I have discovered a class action suit,  XXXX   XXXX  v. Experia n Information Solutions , Inc. fil ed in  XXXX  charging a pattern of such misleading websites and deceptive practices. Experian needs to immediately cease and desist such practices which deceive the very people their business was supposedly formed to protect.
Consumer complaint received 2017-04-13
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This is in regards to an unauthorized transaction that occured on my Capital One Quicksilver card on XX/XX/2016 for {$440.00} under the merchant XXXX XXXX College. This charge was unauthorized and I absolutely do not know who made this charge. I informed Capital One the SAME DAY that this was an unauthorized charge on my account and a credit was placed. However, a few months later, I was rebilled for this amount again. I contacted Capital One 's Disputes department to inform them that this transaction for {$440.00} is 100 % unauthorized and under Capital One 's {$0.00} fraud liability, I was not liable to pay for this transaction. The representative refused to cooperate with me to remove this charge. I am now demanding that this charge of {$440.00} be removed from my account ASAP. I will most definitely not pay for a transaction that I did NOT approve of. Capital One 's {$0.00} fraud liability also guarantees that I am not liable for any fraudulent transactions. This {$440.00} is a fraudulent transaction and must be removed ASAP.
Consumer complaint received 2020-12-21
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. (NJ)

Theres been many letters sent out every month for the entire year including last year it was regarding name and credit error, I have every certified tracking information to prove that even if decided to now sue for creation of damages since am unable to purchase a place to live during this pandemic which nobody seems to give a XXXX ( yes, now i'm being transparent, tired of the XXXX  ) cause the one am disputing with not going through what am experiencing with my credit report, then you'd understand. 

ADDRESSED : EQUIFAX been asked several times to remove the current name being reported which is not my name, EVEN sent in my social security card all year around. Lets be XXXX clear I'm a USA CITIZEN NOT A XXXX RESIDENT , lets get this XXXX together. USE THE SOCIAL SECURITY CARD PROVIDED TO CORRECT the INFO and HAVE THIS TRANSFERRED TO THE SENIOR MANAGER if no one knows how to do the job correctly and IMMEDIATELY TO BETTER MY LIVING SITUATION. Speed up the investigation process under 15 days, waited long enough to have the XXXX  corrected. 

ADDRESSED : XXXX  I've also asked you to remove the incorrect addresses, employment, inaccurate XXXX XXXX XXXX account OFF MY CREDIT REPORT all year around also just like XXXX  did delete the inaccurate information listed as stated, make sure this is a speeded process under 15 days ADDRESSED : XXXX once again for the 11th time, correct the late payments on the XXXX XXXX  XXXX, ASAP I've never been late on neither one of my accounts even during the pandemic fix these errors now
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

After sending 10 letters, The credit agency failed to verify the accounts. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2021-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (TX)

On XX/XX/XXXX we sold our house in Texas. We had an escrow account and SunTrust our mortgage company was suppose to pay us the balance. 

They have 30 days to send us the funds and we still have not received them. The only letter received was dated XX/XX/XXXX stating that the check was returned die to the wrong address. They sent it to the house in which we sold. We leased back the house until XX/XX/XXXX. Then forwarded our mail. 

My complaint is that they have kept my money XXXX XXXX XXXX entirely to long and have not been compliant according to the law. They have given us the run around. We have contacted then 3 separate times. Please follow up on SunTrust and their misleading practice of reimbursement of escrow.
Consumer complaint received 2020-12-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (LA)

Due to the coronavirus, I was quarantined home for 21 days during the month of XXXX, during this time I was not compensated in any way from my employment, as I adhered to the guidelines of the quarantine. Also in addition to that, the area that I live in was hit with multiple hurricanes and while recovering from that, then being quarantined, I fell behind in my finances in lieu of it and was late making my mortgage payment. The mortgage company reported a 30 day late payment notification to all credit bureaus and upon calling them told me that it was nothing that they could do about it. The late payment was in the amount of {$280.00} for the month of XXXX.
Consumer complaint received 2017-07-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I had a dormant account with Bank of America. Bank of America continued to charge monthly maintenance fees until the account was empty. After the account reached {$0.00} balance, Bank of America charged maintenance fees rather than close the account - leaving me with fees to be paid. Bank of America has threatened to send to collections for payment of fees rather than simply close the account when the account ended at {$0.00}. I contacted Bank of America at XXXX ET on X/XX/2017. Bank of America Representatives transferred me to a department and I was disconnected.
Consumer complaint received 2017-07-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (WA)

I feel that I am continually being lied to and mislead by Transworld. I never received proof of the debts from Transworld, and if I had I would have resolved them so they would not hit my credit report. Also  Transworld continues to tell me that they are bound to report the accounts however when I have contacted other such agencies in my state they have informed me that they have and do delete from a credit report. So it is obvious that this is their company policy and not an actual law, they have lied to me and knowing that their is zero benefit for the collection company to report these accounts as they are paid in full.
Consumer complaint received 2021-01-18
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Onity Group Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have been disputing inaccuracies on my report I have 2 charge offs reporting on my Equifax report that is reporting available balances and reporting late payments. I received about 6 letters from first premiere stating that they report correctly to the bureaus and if I believe that something is inaccurate to contact the bureaus and they don't do anything but update the date last active. I need these 2 accounts deleted immediately. 

XXXX XXXX account # xxxxxxxxxxxx XXXX XXXX XXXX account # xxxxxxxxxxxx XXXX
Consumer complaint received 2017-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

On XXXX XXXX,2017 I put 2 stop payments on two ACH debits per instructions of Citizens Bank of XXXX NH ( that is by phone ), with specific instructions that the companies might try to change the date, amount, and check number in order to wheedle them through my account. One was not paid and the other was. It was, because it came in a day earlier and with a different amount, but 2 days after the stop payment was put through. At the time I made the stop payments I was clear about this might happening, It was recorded so by the bank gentleman I spoke to. I received copies of the stop payment notices with incorrect information on them. additionally I was charged {$70.00} for the 2 stop payments. Because this was over the XX/XX/XXXX holiday and I was away, I kept sending email messages on my phone through their mobile banking to inform them of the errors. I received a letter saying I should not use email for these complaints. But time was of the essence. I now have {$1.00} in my account until I get paid at the end of the month. Plus I am unable to pay any other bills.
Consumer complaint received 2021-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

I had a late auto pay payment in 2017 on my Bank of America credit card that I rectified and paid out of my Bank of America checking account immediately when I noticed the automatic payment did not go through. This incident is still showing up on my credit report and negatively affecting it. This late payment was made back in 2017.