davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-26
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: LEXISNEXIS (MO)

Let me start by letting you know Im getting very frustrated as I have been trying to resolve this with you for over a year now. You recently sent me a letter which stated that you verified that a bankruptcy is accurately reporting on my credit report. I wrote back to you on XX/XX/2021 and did not receive a response and the disputed information still remain on my credit report causing harm to my character. Ive filed complaints with CFPB and the Missouri Attorney General against your company after I have documented that you are not telling the truth. I have evidence from the courthouse that this information was never furnished by them so your company DID NOT follow proper procedure to obtain this information. 

There is no such thing as a public record for the consumer because I have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

You can not continue to violate my consumer rights!

If you investigated this bankruptcy, tell me who you interviewed and if you interviewed them, it should NOT include facts pursuant to 15 USC 1681a ( e ). The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Consumer complaint received 2023-04-23
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Report Act XXXX, XXXX, XXXX XXXX, has violated my rights. 
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 an account without my written instructions. 
This account is a fraudulent account, I have been reported this concern to this company and no action has been taken.
Consumer complaint received 2023-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXXXXXX XXXX account XXXX has violated my rights. 1 5 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 2021-08-26
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)

I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below  is the list of the erroneous account reporting on my credit report : XXXX {$390.00}
Consumer complaint received 2021-08-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NE)

XX/XX/2021 refinanced mortgage and LoanCare/Service Link was paid off. I and new mortgage company have tried to get them to release the mortgage, but to no avail. They do not respond. Its been 6 months which is clearly a violation of the fact act. We are getting fed up with non action to take care of this. Hope you can help.
Consumer complaint received 2020-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

An annual capital one member fee was placed on my account on XX/XX/XXXX. I called and spoke to a representative in the week of XX/XX/XXXX and was informed that I could cancel anytime within the next 45 days and so didn't need to cancel right away. I then called again to cancel the card and refund the member fee on XX/XX/20 but was notified that it was over 60 days from XX/XX/XXXX and so the fee would not be refunded back to me. This was very misleading information and I would like to have the fee of {$95.00} refunded back to me and my account closed.
Consumer complaint received 2021-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I noticed multiple inquiries and an account from XXXX XXXX that do not belong to me. I called each bureau and they all told me to submit a dispute so I did just that. Its been over 40 days and NO RESPONSE YET, please help.
Consumer complaint received 2021-08-26
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. (TN)

Recently my identity was stolen and I reported a fraudulent account under the name XXXX XXXXXXXX who are the collection agents for XXXX XXXX who claim I do not have a loan with them on my credit report with XXXX XXXX. Police report is XXXX. It has been over 30 days and I still have not received a response. Every time I call for for years my account is always held with the fraud team so I can not get access to my report and I am put on hold for 2-3 hours every time. This includes when I call in because their system can never keep my login credentials correct and I am forced to reset every time I log in. Now I am being forced to pay for services I have been receiving for free for decades. I am sick of it.
Consumer complaint received 2021-08-25
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. (DE)

TransUnion continues to report that I still owe on a closed paid off secured loan. The report is contra status. They claim to have investigated the dispute and validated their reporting. This company continues to hurt my credit ratings. Are they a legitimate credit reporting company? 

I am so tired of dealing with TransUnion with their multiple outdated data reporting, not willing to investigate, verify and fix errors. Most of their disputes take an average of 7 days to investigate and never fixes the problem. They claim the XXXX XXXX  credit and secured loan are adverse accounts, but when I reached out to original bank, they say they they sent accurate report that both my accounts are closed and paid off, to the contrary in reporting on TransUnion. This is so unfair.
Consumer complaint received 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Recently my identity was stolen and I reported a fraudulent account under the name XXXX XXXX who are the collection agents for XXXX XXXX who claim I do not have a loan with them on my credit report with Trans Union. Police report is XXXX. It has been over 30 days and I still have not received a response. Every time I call for for years my account is always held with the fraud team so I can not get access to my report and I am put on hold for 2-3 hours every time. This includes when I call in because their system can never keep my login credentials correct and I am forced to reset every time I log in. Now I am being forced to pay for services I have been receiving for free for decades. I am sick of it.
Consumer complaint received 2020-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Approximately 3 weeks ago I received a debt collection call from Bank of America stating I was 3 months behind on my mortgage. I explained this was not possible because I am on auto draft on a pay plan XXXX which I pay double payments. They said there system upgrade malfunctioned in XXXX, {$4400.00} plus dollars of my funds were sitting in a holding account because the system did not no what to do with my funds. They stated they would move the funds back but that the system was not fixed so I would need to speak with the resolution team to fix future payments. Resolution states future payments will continue, go in the holding account and they will manually move them until the issue is fixed. My funds are still not back in my mortgage account, XXXX payments were not even withdrawn from my checking and I have reached out 8 times to no avail. I am receiving debt collection calls, which I have asked to stop but am being told because the money is not fixed yet they call before reading the notes. I need help. I need the collection calls to stop, my funds in my mortgage account and XXXX and future funds deducted as they should be and posted. Managers have promised to call but don't, my loan officer trued to escalate as well. I am concerned for my good credit if this is not resolved promptly.
Consumer complaint received 2023-04-23
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: Cascade CISS Holdings, LLC (CT)

I did not authorize these credit inquiries on my report. I would like to have them removed from my credit report or have the company provide the application bearing my name and signature and a copy of my ID proving that I was the person that initiated this inquiry. I did not apply for any credit with these companies. Please verify these inquiries and remove them from my credit report. I have stated this information to the creditors and they have not responded to my claim and this information continues to remain on my credit report. Under the FCRA, if the creditor can not validate the origin of the account and its accuracy and authenticity, they are required by law to remove it from being reported to the credit bureaus. This is damaging to my credit rating and causing me a lot of stress.
Consumer complaint received 2021-08-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank of america and the regulator agent XXXX  in concert with customer service are trying to scam me out of our agreed upon XXXX claim that I filed with the customer protection department arou a couple of weeks ago. The lady and the customer service department finally taken my claim and they played around a few days but I kept calling and telling them the regulator agent authorized it and said she was authorized to tell me that. She also told me that I could file it under Id theft because a year ago they put your money in the wrong account. When the lady ask me how much and that her boss told her to ask me the amount I said XXXX and she ask exactly XXXX and I said yes. They told me to call every three days and an guy told me last Thursday that your claim got approved and I kept asking him about the XXXX that I need it now. He just kept saying soon now I call today the third day and around XXXX and the lady said it is for XXXX the first anyone brought up any amount to me period and is fraud. 

I noticed XXXX  stop talking or returning my calls after her response which included lies. Absolutely, no transaction has went into my account since 2015 and she lied about last year. I absolutely never told her that I had no more concerns. When she told me that I could file a claim customer service played games for days trying to deter me from my claim. 

She and I agreed on identity theft fraud that I could claim on.
Consumer complaint received 2021-08-25
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: AMERICAN EXPRESS COMPANY (TX)

I had ordered a shirt and two wallets from XXXX XXXX back in XX/XX/XXXX for the amount of {$1200.00} being charged on my gold American Express card. The signature was required which is great because my parents were home. I got home from work and the box was tampered, it had a slit on the side with tape.. i took pictures before i even opened the box. As i was opening the box i started to take more pictures because i noticed the only thing inside was the wrapping paper and thats all. None of my items that i ordered were there and so i then called to see what was going on and my American Express opened a dispute on this, i just got rebilled for the full amount Im not sure why and i dont understand how either. They spoke to someone in the dispute department and told me that XXXX said on their end that the package was delivered. YES the box was delivered but with nothing inside and it was tampered. How is that my problem? I dont understand how i have to be liable for something i never received. I still have the pictures i took so Im attaching them to this. Thankyou
Consumer complaint received 2023-04-15
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. (IL)

requested that accounts with inaccurate data for verification or corrected Accounts info thats not listed correctly came back verifed with all inaccurated info still listed after they said its correct, data not reporting accurate, across all three credit breaus, account closed but still reporting payments, credit limit inaccurate, dates open inaccurate have past due balances PLEASE HELP IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS - XXXX XXXX XXXX XXXX Balance {$10000.00} Account # XXXX Violated MY 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 A WRITTEN INSTRUCTIONS. ( TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ) IF AFTER ANY REINVESTIGATION OF ANY INFORMATION DISPUTED BY CONSUMER AN ITEM OF THE INFORMATION TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED THE CONSUMER REPORTONG AGENCY SHALL - ( a ) PROMPTY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER OR MODIFY THAT ITEM OF INFORMATION AS APPROIATE BASED ON RESULTS OF INVESTIGATION ( b ) PROMPTLY NOTIFY THE FURNISHER THE INFORMATION HAS BEEN DELETED Feel Neglect damages all violations to metro 2 compliance i Demsnd : - Original Contract - Creditor info - Payment History - Requesting for documentation that gives me the options to opt out to a non affiliated third party prior to them reporting it 15 USC 6802
Consumer complaint received 2021-08-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (IN)

I transferred XXXX from XXXX  to Coinbase on XXXX. I woke up on XXXX to find texts requesting an email address change I never requested. I immediately locked my account. I have been trying to regain access till this day without success. 
I have filed both initial ( case # XXXX ) and formal ( case # XXXX ) complaints with XXXX. All I have recieved are automated responses. The last response informed me they were closing my initial complaint and that I would not be allowed to reopen it. I have even filed a complaint with XXXX  ( complaint # XXXX ).
Consumer complaint received 2021-08-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (NC)

I contacted Radius Global Solutions a collection agency from XXXX on XXXX. They told me I had a small balance owing. I learned my account was in collection while visiting my doctor because I needed to have blood work, and was told I owed a small balance. When I spoke to representative from Radius Global Solutions, she told me not to worry because they did not report balances under {$100.00} to the credit bureaus. ( we pay XXXX all the time because my husband has XXXX and has XXXX XXXX every 3 months ). Apparently, this particular bill was overlooked, but why would this company boldly lie to me and tell me it is not their practice to report medical bills under {$100.00}?? This is a misrepresentation of the truth because they have been reporting me to XXXX  all summer long. I want them to own up to their word, and remove this paid collection off my credit bureaus report. This company gave me false info to collect a debt, which is against the law!
Consumer complaint received 2021-08-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

Dear CFPB : You may not believe. Im back again, some of same issues with the horrific, irresponsible PHH Mortgage, and Ocwen Loan Servicing company. Please see prior XXXX complaint XX/XX/2018. They stopped their irresponsible behavior for a few months and drifted right back to sending me info and packages to MY home address with ex spouse name attached to mine. The worst case scenario keeps happening with these folks and now I receive and reimbursement check from my escrow account with you guessed it, both My name and XXXX 's name. The insurance policy and taxes are completely in my name and no surprise, because it takes a bit of effort to set things right in my file noting I am the only party to any monetary transactions these should only be in my name and my name only. Seems simple enough right? Now I am stuck with a check I can not cash, copy attached and the really scary thought is if this would have been a major payout Id be stuck like XXXX!! My bank ask me to go find my ex wife or have her come to the bank with proper identify and consider adding her to my account. Can you believe? Well, Ive called and called PHH Mortgage and I get some supposedly relationship manager after a slew of customer service reps in and out sourced and am getting no where. I am uploading files to support this. 
Thanks you in advance for your attention and response.
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2023 My Credit score on TransUnion dropped XXXX points for a remark ( XXXX XXXX XXXX XXXX  that was disputed and removed from my credit report, but I did not receive my XXXX points back.
Consumer complaint received 2020-08-26
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$13000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-08-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (PA)

This company was selling purebred XXXX XXXX XXXX puppies for {$650.00}. To transport the puppy they told you you had to purchase refundable fee for a crate. That was {$1800.00}. Once you purchase the puppy they then send information about you paying for refundable insurance to keep the puppy safe while flying which was {$1200.00}, you then have to pay for refundable veterinarian, shots and shot record expensive which was an additional {$2100.00}. I did not receive the puppy and they continue to give me the run around. I contacted my bank to file a dispute. My bank shut down my debt card and issued me another one. This company is continuing to harass me by calling and texting my number, but not to negotiate the terms of me getting my money back.