davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I paid of my loan with XXXX XXXX in the amount of {$3000.00} on XX/XX/year>. Within a few days this company reported to the credit bureaus that I owed the entire amount. I disputed with the credit bureaus and the loan balance was changed to zero. Today, XX/XX/year>, XXXX XXXX reported to the credit bureaus that I owed {$3000.00}. I called XXXX XXXX and spoke to an employee named XXXX who said that they responded to my dispute with the credit bureaus and reported that my account is active and has a balance which is fraudulent reporting when my account. Is paid in full.
Consumer complaint received 2024-08-23
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: EQUIFAX, INC. (GA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The Transunion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with Experian was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( 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.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated My Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  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 or 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 calls to believe that the information is inaccurate.
Consumer complaint received 2024-09-25
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. (SC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered XXXX XXXX. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2024-10-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My identity was stolen by my ex-fianc after a difficult situation involving my kids. After we broke up, she retaliated by using my information to open credit cards and other accounts in my name. I've already filed a police report, but I want to resolve this with the Creditors who are unlawfully reporting this debt on my credit. I am not liable for any of this fraudulent debt, and I need assistance in addressing this situation.
Consumer complaint received 2024-10-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (AZ)

I am a consumer and have a personal account with Coinbase. I have been locked out of my Coinbase account for over a year due to an unresolved issue with identity verification. Despite following Coinbases procedures and submitting the requested documentation multiple times, Coinbase has failed to verify my identity and restore access to my account. 

Since the lockout, I have not received any account statements or transaction updates, leaving me completely in the dark regarding the status of my funds. Coinbase has not provided any mail-based or electronic account statements, which has made it impossible for me to manage my account or ensure my funds are secure. As a financial service provider, I believe Coinbase is obligated to provide account holders with regular statements, especially when account access is restricted. 

Here is a summary of actions taken : Date of lockout : Since XX/XX/year>XXXX I was informed that my account was locked due to identity verification issues. 

Actions by Coinbase : Since that time, I have followed Coinbases requests for identity documentation and repeatedly contacted their customer service to resolve the issue. However, they continue to delay verification and have not provided any reasonable explanation for the ongoing restriction. 

My actions : I have submitted the necessary identity verification documents as requested by Coinbase, but there has been no progress. I have also asked for account statements or transaction details, which have not been provided. 

Amounts : As I have no access to my account, I can not accurately assess the total amount of funds currently held by Coinbase. 

Failure to Provide Statements : Coinbase has failed to mail or provide online access to account statements, leaving me unaware of my accounts current status or any activity that may have occurred during the lockout period. 

I believe this situation is a violation of consumer protection regulations, particularly under Regulation E, which requires financial institutions to provide periodic statements. Coinbase 's failure to comply with these regulations has caused me significant distress and concern over the safety of my funds.
Consumer complaint received 2024-09-25
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: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-25
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. (OH)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-09-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PNC Bank N.A. (TX)

I am writing to formally express my frustration regarding my Home Equity Line of Credit ( HELOC ) and the ongoing issues with the interest rate application. 

In XXXX, when BBVA was the lender, I modified my HELOC to a fixed interest rate of XXXX XXXX. This modification was clearly documented and confirmed. However, since PNC Bank acquired BBVA, I have encountered numerous challenges in getting this agreed-upon rate applied to my account. 

Despite consistently making my payments based on the XXXX XXXX rate, PNC has unilaterally changed the terms and is now refusing to honor the original agreement as well as the modification. The original terms of my loan specified a rate of prime minus half a point, which I later adjusted to the fixed rate of XXXX XXXX. It is both disappointing and unacceptable that PNC has disregarded this agreement. 

I have spoken multiple times with XXXX XXXX from XXXX XXXX XXXX regarding this matter, but unfortunately, she has ceased responding to my inquiries. This lack of communication has only added to my frustration. 

Over the past XXXX years, I have made numerous attempts to resolve this issue through various customer service channels, but I have not received any satisfactory response. I urge you to investigate this matter and honor the terms that were established during my time with BBVA. 

Please provide a written response outlining how you plan to address this issue. I look forward to your prompt attention to this matter.
Consumer complaint received 2020-10-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

My Mother had a boyfriend who exhausted her finances while she  was suffering from XXXX. After funds were exhausted the boyfriend manipulated her into getting a home equity line of credit for {$100000.00} on XX/XX/XXXX. Knowing she was suffering from XXXX he convinced her to be a co-borrower on this loan without having any interest in the property and not being married. We tried multiple times to get her medical help for XXXX and he would not let us intervene. Bank of America allowed this loan to happen. We tried to freeze this account many times after her death which was XX/XX/XXXX, without any cooperation from Bank of America. I am the Trustee of this property and XXXX of Attorney and have been since my Mother could not make decisions and was diagnosed with  XXXX. The boyfriend is wanting to increase the home equity line after her death when the account should be frozen. Bank of America sent a letter currently saying they are researching a recent home loan increase request. XXXX XX/XX/XXXX, and wanting 15 business days for a response. We have tried multiple times to contact Bank of America to stop this fraud after providing the death certificate and trust information showing he has no interest in the property. We are trying to stop any additional fraud. We the Trustee have been making the payments on this loan and the boyfriend has not been paying. In addition to this complaint, how did Bank of America allow my Mother and the Trustee to be removed from the loan when it is attached to the property and the boyfriend has no interest and he is the only remaining party on the account??
Consumer complaint received 2019-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Dear Officer, I'm writing to complain about two issues pertaining to the XXXX Credit Card with BoA. 
1. I have not received the card opening bonus ( XXXX XXXX  points ). The phone representatives said the spending requirements have been met and should appear in my account soon, but it's been 3 months. 
2. BoA didn't match the Ad promotion ( additional {$100.00} statement credit ) I found out not too long after applying and requested. It's not reasonable that I fell prey to the tricky marketing strategies. 

As to issue 2, I've tried to contact BoA and explained : I applied for the XXXX Credit Card  via XXXX Website  on around XX/XX/XXXX because I wanted to fly with XXXX  and enjoyed the benefits it offered ( XXXX points ). But shortly when booking on the same websites, the same Ad popped up. But this time the promotion offered additionally {$100.00} statement credit ( along with XXXX points ). I then called to ask BoA to match the {$100.00} credit. They said they would process the request, but then never replied to me again. 

Going back to check the websites again, I then discovered that the Ads on the websites were manipulative/tricky and misleading. Here 's why. On the first XXXX  booking page, the Ad offered a XXXX points. And if you skip and continue booking, on the next few web pages, you will find another Ad there with additional {$100.00} credit on top of the XXXX. How would a customer like me know the difference? This was surprisingly unreasonable and misleading. I feel I fell prey for the first Ad and their marketing strategy. Here I attached two screenshots that show the different misleading/Ads on the same website. Thank you for your time.
Consumer complaint received 2024-09-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC (CT)

COVID-19 impacted me as many millions of Americans ; I was struggling to make payments because of COVID-19. By XXXX, XXXX was my bank, and I was told that a forbearance would help delay my payments during the pandemic and that, in the end, I would get help with the unpaid amount, like some government assistance. Somehow, XXXX transferred my mortgage to Carrington Mortgage Services LLC, which started to change everything, after six months of the forbearance, I started to receive pression from Carrington, and via phone call, a representative told me that I will get another six months of forbearance, which I agreed and completed all their requirements via the same phone call. When the six-month grace expired, I called Carrington back to see what my option was, and to my surprise, I was informed that another six months of forbearance was available for my case. So, after this third forbearance option, I called Carrington again, and I was told that my only option was to refinance the mortgage. Since the beginning, I have been told that the forbearance amount will be carried out to the end of the mortgage and that assistance will be provided. Hence, I agreed to refinance my mortgage, but only for the forbearance amount of around $ XXXX. The package with the information received was not what we discussed in that last call, so I called back and informed a representative that I would not sign because it was different from what we discussed. I received a complete mortgage modification, which refinanced the whole mortgage for 30 more years and put the amount due ( forbearance ) at the end of the mortgage for ten more years. I called to refuse this proposal, but I was pressured and threatened by a Carringtons representative who told me that refinancing is my only option or to pay the whole amount due ( $ XXXX ). 
I had no other option than to sign the mortgage refinancing package with fear of losing my home. But a couple of months ago I realized that there was more than one option for me to get help from that forbearance assistance when I called to make a payment a representative told me to contact the Housing & Urban Development ( HUD ) department and to my surprise HUD told me that the application period closed XX/XX/XXXX. 
Carrington not only threatened and pressured me to their advantage but did not provide me with the information to get the assistance I needed and deserved. Now, I decided to go ahead and submit this request because I do not trust Carrington anymore. Because of their lack of assistance, I am even deeper into my mortgage and owe more money, which takes longer. The pandemic was used in Carrington benefits by threatening customers and denying them the assistance they should.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 2024-09-04
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. (TX)

This is an unfair system that should be ignored and taken advantage of, even though malpractice breaks many laws.The severity of not taking my situation seriously has resulted in financial harm, defamation of character, and a 60-day silence.