davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-14
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. (GA)

Yesterday I went to the dealership, shopping for a new car. l was approve with an extremely high interest rate so I checked my credit report to see why my rate was so high. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I have reached out to the FTC and to my local police department. I am doing this on my own and I need these items deleted from my report. XXXX. XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. INQUIRIES : XXXX/XXXX, XXXX
Consumer complaint received 2019-08-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

I purchased XXXX virtual tokens ( also called REP ) in 2 separate transactions, one on XX/XX/XXXX and one on XX/XX/XXXX, from Coinbase Pro for a total of {$780.00}. I tried to withdraw these tokens to a wallet address sometime between the XX/XX/XXXX purchase and XX/XX/XXXX, which was when I notified Coinbase that I was getting an 'internal server error ' message when I attempted to withdraw to a wallet address. Coinbase asked me more questions about the issue and claimed they sent my problem off to a specialist to further investigate the issue on XX/XX/XXXX. Since then, I have not heard from anyone besides Coinbase 's first line support that yes, my case has been sent off to a specialist, but they will give no further details. I have been patiently waiting for answers for almost 1 month, which is far beyond the 4-5 day resolution time they initially quoted me. Coinbase is putting me at risk of losing my tokens in the event of an exchange hack or a delisting. The entire point of cryptocurrencies is that you can send them when and where you want without a third party getting in the way ; however, this is exactly what Coinbase is doing and they won't give me answers or try to remedy my situation. In essence I've been sold a worthless product by Coinbase.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/2024 and XX/XX/2024, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim.

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record!

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done "
Consumer complaint received 2019-08-15
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: United PanAm Financial Corp. (NV)

I do not have an account with this company however they called about my abusive ex husband at XXXX XXXX  asking if I know where he lives, a number or a job. One I have an active chuld support case hes not paying, my children haven't seen him in years, and I get woke up at XXXX XXXX. She never stated the mini Miranda or stated the call wpuld be recorded and when I called back to speak with the supervisor she was rude as well. I will not be harassed for a debt I have no ties too.
Consumer complaint received 2019-08-15
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (KS)

At XXXX on the morning of XX/XX/2018 Senior Sales Agent XXXX XXXX from Quicken Loans called me to inquire about information that I filled out online. Within 5 minutes, he proceeded to explain how he was going to help me today and without verifying my identity, gave me a full name, DOB and social security number of an individual whose information ... ... I could have easily written down and saved for myself to steal the identity of? He then repeatedly called me from his personal cell phone and other work numbers to try and pretend like it wasnt him so he could get me to tell him who I was, which Im sure personal cell phone use is against the company policy. He has been doing this for 15 years he says and I wonder how many identities have been stolen from XXXX XXXX. Seems like he is notorious for making his own policies. Please investigate.
Consumer complaint received 2021-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing do to TransUnion none-compliance of the CRA. TranUnion is inaccurately reporting a late 30 day notice on my credit report for XX/XX/2018 from XXXX XXXX XXXX account XXXX. This error was discovered while in the process of applying for a mortgage. I have sent a dispute letter to TransUnion with supporting documentation from email receipt from XXXX XXXX XXXX XX/XX/XXXXshowing payment made for the month ofXX/XX/2018 being made on time. I also sent TransUnion email receipt for XXXX showing payment made before and after the month in question XX/XX/2018 and XX/XX/2018 also showing email receipt payment from XXXX received and made on time. After I have provided factual proof and documentation showing payment made on time for the month of XXXX  this is defamation of character and willful injury under section 623  of the FCRA requirements and a violation by TransUnion. CFPB please ensure XXXX XXXX XXXX card follow the credit reporting act. They are in violation of the law after I give the supporting documentation from email receipt I received from them as proof of my payment being made for the month of XX/XX/2018
Consumer complaint received 2021-01-14
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* Balance Owed : $ XXXX Delinquencies reported after the account was closed. This is a violation please delete. 

Chapter XXXX Bankruptcy Discharged XXXX You've not furnished any documentation whatsoever and this means that you are reporting false info and just do not care. I've since made complaints against you with the CFPB.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

There's an inquiry on my credit report that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report. It is stressing me and making me anxious on why and how this happened.
Consumer complaint received 2018-08-07
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: Experian Information Solutions Inc. (MS)

I reached out to the company on multiple attempts starting on XX/XX/24 about incorrect reporting of inaccurate inquiries on my credit report as well as accounts listed that were not verified as belonging to me. The company received my information on XXXX and it is now XXXX and I have yet to hear back from the company. The FCRA gives the company 30 days to respond and I have not gotten a response.
Consumer complaint received 2021-02-12
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (OK)

As the Covid-19 Pandemic started, I applied for Pennsylvania unemployment benefit. I was awarded {$12000.00}. However, I never got access to my funds as I've never received the US BANK RELIACARD debit card where the funds were deposited. 

For over 3 months, I kept calling the Pennsylvania Department of Labor to inquire about my benefit payments but I couldn't get through their phone system. Then finally, in XXXX I was able to reach a representative of the Pennsylvania Department of Labor who informed me that my benefits have been paid and that I should have been received a US BANK RELIACARD debit card. 

So I called the US BANK RELIACARD Customers service to inquire about the RELIACARD DEBIT CARD, the customer service representative informed me that they sent me a reliacard debit card and that it was loaded with {$12000.00}, however, the balance is now {$0.00} as the funds have all been drained out my account. I told the representative that I never received the reliacard. So HOW can the funds be drained out of my account? The representative then advised me to file a claim dispute. 

After filing a claim dispute, I faxed and mailed ( several times, at least 10 times ) all my identity verification to prove that I am who I am. I even did the selfie verification. From the beginning of XXXX until today, I have been calling US BANK RELIACARD everyday and they always keep telling me the same message : " We didn't receive your identity documentations '' On XX/XX/21 I called again and Tier 2 representative informed me that my claim has been denied and my account is restricted. 

When I asked for explanations as to why my claim is denied or why my account is still restricted, the tier 2 representative wouldn't give me any response beside telling me they sent me a mail. However I've never receive any correspondence from US bank reliacard. 

I faxed and mailed in my identity documentations at least 12 times with the most recent on XX/XX/21 and I have a tracking number showing that my identity documents have been received on XX/XX/21 at this address : ( Cardholder Services XXXX XXXX XXXXXXXX XXXX, FL XXXX ). Could you PLEASE confirm that you guys received my identity documents. 

I don't understand why my account is still restricted or why my claim dispute is denied. Because I've never received the reliacrd debit card in the first place. So how can someone access my account or intercept my mail and I believe US BANK is holding my money hostage. Because I've never received the debit card and I don't have access to my account. I am driving through food banks weekly and waiting and waiting It's a matter of livelyhood.
Consumer complaint received 2019-08-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OK)

I bought my first house in XX/XX/XXXX and my mortgage company went thru XXXX, my first payment was XX/XX/XXXX. I got with my bank and they began having my mortgage payments drafted from my bank account beginning in XX/XX/XXXX twice a month. Everything ran smoothly until XXXX of XXXX when XXXX transferred my loan to Mr. Cooper. Being a first time home owner my bank continued to draft my payments to XXXX until Mr. Cooper sent me a letter stating my past due balance, I emailed Mr. Cooper and XXXX ( researchincoming - Mr. Cooper & XXXX XXXX in XXXX of the payments made showing that my loan was current and XXXX needed to transfer my payments to Mr. Cooper, I spoke with XXXX several times trying to get my payments transferred. In XX/XX/XXXX I had to pay {$2000.00} the loan payments I had already paid for to keep from foreclosure. Finally in XXXX they credited my account and I didn't need to make a payment until XX/XX/XXXX. I had already paid {$670.00} on XXXX which was put into Unapplied Funds with Mr. Cooper and completed my XXXX fee of {$670.00} on XX/XX/XXXX. I also made a payment of {$330.00} on XXXX. I have made a payments to keep my loan current but since my payments are partial payments they continue to keep them in Unapplied Loans and continue to send me letters and threaten late fees. I have called them several times but they insist since they are partial payments they will not move them to my balance. I am a single parent who has suffered health issues and I pay my dues timely. I am unable to speak with a representative from Mr. Cooper any longer due to my health and the fact they do not listen. Mr. Cooper states I owe {$1600.00} for XXXX and that exact dollar amount is in Unapplied Funds. I am unable to pay my mortgage at this time in 1 payment, I will continue to pay 2 monthly installments like I always have. 

Also, I didn't receive a letter from XXXX for resolution until XX/XX/XXXX
Consumer complaint received 2019-08-15
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. (IN)

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$14000.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Contacted Capital One and spoke to a supervisor, due to the continuous misinformation provided by reps of Capital One. I was told that there is no limit on the amount of credit cards that a Capital One consumer may have. I recently submitted and application for a 4th credit card and was told that I was declined for having too many Capital One credit cards. I have spoken to XXXX XXXX before with the executive office of Capital One, in which the customer service is still HORRIBLE. I have submitted recent complaints against Capital One to the CFPB and have not been given phone calls? Are they required to verbally contact a customer when a complaint is submitted to the CFPB? This is the WORST company to do business with, in which most are malady are.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to XXXX XXXX XXXX for that because my cards will just get declined due to my credit score being low with all these wrong information.
Consumer complaint received 2023-08-17
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. (NJ)

XXXX XXXX, Experian and XXXX have been reporting late payment on my report without consent for my privacy. 
( No law states that a transaction needs to be report ) Especially unknowingly. 
15 US code 1666b Timing of Payments
Consumer complaint received 2019-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (FL)

DISCOVER BANK opened a new account in my name after I disputed the charges on a card that was stolen. 

My bank and other credit card companies did the same after dissolving the fraudulent charges, but not Discover.

They are attempting to roll over the fraudulent charges to this new account. Why open a new account in the first place?

This is an unethical act on Discover 's behalf because by law I can not be held responsible for charges that I did not make.

Discover knows this, and has the responsibility of removing these charges which have been reported fraudulent. But instead they have decided to stick me with the fraudulent charges and charge me interest on the balance as well!

This is extremely illegal.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

In Accordance with the fair credi reporting ACT has violented my rights. 

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  15 U.S.C 1681 section 602A State : I HAve the rights to Privacy. 
15 U.S.C 1681 section 604A section 2 : Its also state a consumer reporting Agency can not furnish a account without my written Instructions.
Consumer complaint received 2024-08-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (NY)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

XXXX, XXXX, & Equifax continue to report an account listed in my consumer report incorrectly. The account is XXXX Account # XXXX the account has several late payments listed that is incorrect. XXXX has late payments listed as XX/XX/2024 XXXX XXXX and XX/XX/2024. XXXX XX/XX/2024, XXXXXXXX XXXX, XX/XX/2024, and XX/XX/2024. Equifax XX/XX/2024, XX/XX/2034, and XXXX XXXX. These late payments are not accurately reporting and they do not match up. These payments should be updated as paid as agreed. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.