davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-01
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. (PA)

i refinanced my home on XX/XX/XXXX with XXXX XXXX XXXX ( XXXX ) in the amount of XXXX dollars. XXXX did not payoff and satisfy the XXXX XXXX as stipulated in the Promissory note recorded by XXXX on XX/XX/XXXX. XXXX has been falsely reporting to the 3 primary credit reporting agencies ( TransUnion, XXXX, and XXXX. ) XXXX has been claiming I have 2 loans with their bank since day one and I am presently indebted to XXXX in the amount totaling XXXX dollars. XXXX has been reporting my mortgage loan erroneously by variously titling my single transaction as a Real Estate- Jr. Lien/ Non Purchase Money loan while simultaneously retiling the same transaction as Installment Account Open, On XX/XX/XXXX XXXX and their attorneys XXXX XXXX XXXX XXXX , XXXX XXXX XXXX refused to pay XXXX the outstanding balance and proceeded to demand XXXX to " charge it off to me and release the satisfaction statement to FCB. XXXX has exaggerated my indebtedness and has caused irreparable harm to my credit worthiness. I disputed with the 3 primary credit bureaus? ( TransUnion, XXXX, and XXXX ) I also asked XXXX to correct errors and they failed to do so.
Consumer complaint received 2020-12-31
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. (IA)

Im going over my TransUnion Credit Report and Im noticing that the Dept Of ED/XX/XX/XXXX accounts I previously disputed and were informed that they were verified, has no indication that they were previously disputed, which concerns me deeply. This a direct violation of the FCRA and leads me to believe that a proper lawful investigation never took place. Please remove these accounts from my credit report immediately. Thank you so much for your assistance in this matter.
Consumer complaint received 2021-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

During this pandemic, even if its too hard to make payment i am still able to make my monthly payment, but when i was unable to pay this XXXX because due to covid and no more unemployment benefit. I had ask them until when i can make a payment. They said I have until XXXX XXXX. But when now i am ready to make payment and Had look my account just now XXXX they had close my citi preferred card. When I told them i would make a payment as soon As i get my funds. I did not want them to close my account because i dont want to ruin my credit score. Please help me.
Consumer complaint received 2017-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

Loancare ( a XXXX company ), assigned 2 different account/loan numbers for one loan and falsely reported late mortgage payments to the credit reporting bureaus for the account not used for billing and payment. We 've never missed a payment and they agree. To date about 6 months after we discovered the 2 different account numbers for the same loan and after we noticed the false reporting of 120 days late payment, Loancare has failed to correct its mistakes. We called Loancare on XXXX XXXX ( agent XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX and XXXX ) and each time they said they would open a case with the credit department ( not available by phone ) and did not follow-up. Loancare has ruined our credit and there is no way to communicate with the correct department about resolution.
Consumer complaint received 2021-02-19
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. (CA)

XXXX/XXXX XXXX Balance Owed : {$0.00} XXXX/XXXX XXXX Balance Owed : {$340.00} US DEPT ED XXXX Balance Owed : {$0.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2017-07-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

My loan was modified two years ago into interest only loan with interest rate of 2% for a payment of $XXXX. Starting XXXX 2017 the modification ended and they sent me a statement saying my loan interest rate went back up to 6.375% and now my payment is $XXXX. I applied for loan modification and asked if my interest rate can be lowered so it can be affordable. I do understand that I cannot have interest only loan anymore but at least lower the interest rate or honor the 2%.  6.375% is a very high interest rate,  my modification was denied.I have included the rate change letter, my denial letter so you can see what I am saying.
Consumer complaint received 2021-01-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (NH)

On XXXX XXXX, I was transferring assets from my account on Coinbase to my hardwallet. I successfully transferred some funds and these transactions were validated via my drivers license and webcam photo. While I was in the midst of this process, I received the following email : Hi X, As a security precaution, your withdrawal of XXXX XXXX on XX/XX/2020 at XXXX PST has been delayed for 72 hours to make sure you authorized it. You can view the withdrawal at Coinbase.com. 

If you did make this withdrawal, no action is required. The withdrawal will automatically be completed in 72 hours. 

In my account, it indicated that I could avoid the delay if I re-authenticated, which I did, uploading my license multiple times as requested and allowing the webcam to validate with my picture. They then disabled my account. When I contacted support, I received this email. 
Hi XXXX, Thanks for reaching out. Having investigated the issue, we are working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 
Thank you for your patience. 
Kind regards, Coinbase Support ref : XXXX : ref Subsequent efforts to contact Coinbase return this response : We received your inquiry, and because you've previously written in about this same issue, we're consolidating your cases into this email thread. We've passed all new information on to an account specialist who is reviewing your case they'll reach out to you here ( review generally takes 4-5 business days ). 
All future questions about this issue should be directed to this email thread so that our account specialist can better support you. 
Thanks, Coinbase Support I have received no further contact nor information. There is no means to call the company unless I have suspected fraud ( which I guess I do - but by coinbase! Not someone else ) 10 days have now passed and all my efforts return nothing but a message that my account has been disabled. I have read online that this is a frequent ploy of Coinbase and I am concerned that I will never get my access returned and they will appropriate the assets in my wallet for their own gain. 

Please help! The Case number they assigned it is Case # XXXX. 

Thank you!
Consumer complaint received 2021-02-19
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Please see the letter below that was sent to the company regarding the unauthorized credit inquiry : XX/XX/2021 Capital One XXXX XXXX  XXXX XXXX XXXX XXXX, Utah XXXX It has been brought to my attention that Capital One has made two inquiries regarding my credit history ( XX/XX/XXXX, XX/XX/XXXX. ) I did not authorize a credit check and am concerned as to why my credit report would be of interest to Capital One. I have no business dealings or pending applications with Capital One and believe there could potentially be some type of fraudulent activity taking place. Please investigate and advise as your inquiries negatively impact my credit score.
Consumer complaint received 2021-02-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc. (OR)

After locking our rate at 2.625 % on or nearXX/XX/2021, our rate changed at some point before XX/XX/2021. I did not authorize the rate change. When I asked why our rate changed from 2.625 % to 2.5 %, Better Mortgage could not explain why it changed. They ultimately said this was some kind of technical " glitch. '' With the rate change, our fees and credits changed as well. Because it happened automatically, they said they could not tell me what changed in terms of costs. I was concerned because I wanted to know if points were paid for to attain a lower rate. To help, they added some credits to my account on XXXX and again on XXXX. With the credits, we continued the loan process. 

The day before signing our final documents XX/XX/XXXX, they swapped many numbers on the Loan Disclosure. I believe they did this to hide where the credits were to make their own price up. By updating the county property tax ( which we informed them was wrong on XX/XX/XXXX via email & confirmed with the county & title company ), their defense is that a lowered property tax is why all the numbers changed drastically. They said they could not explain exactly how. Our final loan estimate from XXXX to XX/XX/XXXX was stating we would need {$140000.00} to close based on a 12-month prepaid county property tax ( for {$8600.00} ). 

On XX/XX/XXXX, they updated the county tax prepaid to {$2200.00} ( based on the correct county property tax ) creating a {$6300.00} gap. When I compared the " Cash to Close '' between estimate & loan disclosure the difference was only ( $ XXXX XXXX {$3400.00}. What I wanted to understand was where the {$3400.00} credits went. I understood there could be fluctuation in the difference such as the home insurance we purchased for {$570.00}, but I thought the gap was too big. No one could explain the gap besides telling me it was because the tax amount was different, which I already understood. 

On XX/XX/XXXX our cash to close went up to {$130000.00}, creating nearly a {$4300.00} gap from what I expected based on the logic of the final loan estimate. I thought a more reasonable difference from the estimate to final loan disclosure would be somewhere around or under {$1500.00} instead of what materialized to a {$4400.00} gap. 

In my opinion, the loan estimate mistake ( rate change without authorization ) was covered up by throwing credits at our loan only to get us to accept moving forward, and then pulling those credits out just when we needed to sign & close on the home. It felt like a bait & switch to me, which I read was illegal so I wanted to make this complaint in case other customers are also dealing with this problem.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

Validated incorrect information that does not meet FCRA standards. Company stated resident occupied address from XX/XX/XXXX through XX/XX/XXXX, with final billing on XX/XX/XXXX to XXXX XXXX, our client. Based on the information at this time, I have concluded my re-investigation, and as a result, did not find any State or Federal violations. Information is all fraudulent and incorrect. Resident was nowhere near address at this time from and had moved to XXXX months before. Drivers license even conflicts with dates posted
Consumer complaint received 2020-12-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Chicago Car Center, Inc. (IL)

On XX/XX/2020 XXXX I dropped off my vehicle with the XXXX XXXX XXXX service repair department in XXXX XXXX XXXX, IL and they didn't have my vehicle ready till XX/XX/2020 XXXX. My finance payments are XXXX every 2 weeks and I belive my finance contract needs to be revised not deferred. A consumer isn't to pay a company for a product not being provided. 
They have withheld the vehicle over 45 days and I believe The Company is not entitled to any payment during that time.
Consumer complaint received 2020-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Neon Newco Corporation (FL)

I applied for a online bank account with a company then got a debit card and account from another company and didn't know it might be a scam but I had put some cash on it and set up an account on their app and I payed for a few items but when I tried to get back on the app I couldn't login again, I tried several times and then to rest login info and still can't get back on, there's still some money on the card and account but I tried to order another item it wouldn't let me, it said account info not complete but I tried putting in the info and it still won't accept it
Consumer complaint received 2023-08-24
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX and XXXX XXXX
Consumer complaint received 2020-12-31
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)

On XXXX/XXXX/2020 I sent a letter regarding in accurate and unknown information on my credit report. Til this day over 50 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. In Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to remove those items from my credit report. It has been 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was impacted by the Equifax data breach and may have gotten in the wrong hands.
Consumer complaint received 2023-05-05
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. (MO)

My Investigation was ignored unresolved. 
Accounts DONT belong on my consumer report. 
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 ) Also states, A consumer reporting agency CAN NOT FURNISH a Account without my WRITTEN CONSENT/INSTRUCTIONS. 

ALL ACCOUNT NUMBERS LISTED BELOW Has violated my rights for furnishing IDENTITY THEFT to UNAFFILIATED 3rd party consumer agency Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

All three credit bureaus have statements of serious delinquency however there is no evidence on my report that supports this statement. I have no missed payments reported on any account in over two calendar years. 

This statement has lead to multiple denials. Additionally, I have asked for erroneous inquiries to be removed from my credit. I have asked both the credit reporting companies and the companies with who the inquiry was made. My personal information has been compromised through XX/XX/XXXX data breach and stolen identity. yet my credit is constantly running without any alert of this or calls
Consumer complaint received 2021-01-02
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/2020, my Edd card was stolen and {$2800.00} was swiped at LA. I was working in XXXX XXXX at that time. After I found it, I called the Edd service department of Bank of America and the money was returned a few days later. But a week they buckle of return money, at the time I make a phone call to the bank of America and they said to provide work proved that at that time, I put my work and my when payroll manager phone fax them, in the meantime I made numerous calls, they say is processing need to wait for the past six months the silent until now, I am a civilian don't know what to do.this has seriously affected my life.
Consumer complaint received 2020-12-31
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. (NY)

XXXX, TRANSUNION, AND XXXX  ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.
Consumer complaint received 2021-01-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (DE)

Checking and savings accounts were forcefully closed by Chase in XX/XX/XXXX after a {$600.00} promo code was entered. A {$2500.00} refund check was sent with {$5000.00} held back for unexplained reasons. Visited a Chase branch in XX/XX/XXXX to resolve with no success. Contacted Chase Bank and rep said funds will be release once the check cleared and there is no risk of return. 2 months after check deposited Chase still held {$5000.00} with unclear resolution path. Filed a complaint with CFPB in XXXX. Chase responded and request the check writer ( live in Florida ) and account owner ( live in Delaware ) to visit a Chase branch together in person, prove their identity, prove check was cleared from source Bank account before Chase would release the {$5000.00}. To meet Chases demand, check writer flew to Delaware and we visited a Chase branch to spend 1.5 hours with a banker in XXXX. Chase finally released the {$5000.00} via a check dated XX/XX/XXXX.
Consumer complaint received 2020-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/2020 To, XXXX Police Investigator and CFPB, CHASE is causing a lot of XXXX and sending threatening letters to damage my credit. I have told. Kindly please consider this complaint police reports as physical distress cause by CHASE Executive Office employee in collaboration with CHASE ( XXXX Local Banker ). 

XXXX, TX Police Report Numbers for Reference : XXXX & XXXX. XXXX On XX/XX/2020 CHASE Executive Office Employee, Name : XXXX, had called told ( upon asking threatened ) that CHASE will continue to send threatening letters and report interest and late fees and negative remarks report " Bad Dept '' even during the time of investigation of their employee. ( Refer to earlier police report addendum filed ). 

I have complained to CFPB and CHASE agent XXXX was were unhappy and seems to have and as per my best understanding CHASE should not legally keep on sending threatening letters that causes physical anxiety. CHASE agent was very angry that I had made complaint to CFPB and mentioned to me that they would keep threatening me in spite of their Banker not letting me inside to make payment and even though I have made police complaint for XX/XX/XXXX caused by threatening letters by CHASE. 

Location : Executive Office in - XXXX OH REF : XXXX The CHASE agents have said The Reporting will remain the same. They will keep marking negative credit. They have not promised to investigate the CHASE Branch officers who is using XXXX Police name to make threats. 


Thanks, XXXX XXXX Ph : XXXX XXXX XXXX XXXX XXXX Email  : XXXX XXXX