davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I had a HELOC open with XXXX XXXX XXXX. Monthly Automatic payments were setup and made on the XXXX of every month. XXXX XXXX XXXX confirms receipt of those payments having been received and posted to the account, however XXXX is reporting to the Credit Bureaus as me having multiple 30, 60, and 90 day delinquencies which is A ) Incorrect and B ) Preventing me from refinancing the mortgage on my primary residence. 

I have filed a complaint with XXXX and they issues a decision to the case that they were correct in their reporting and closed the case. 

On top of that, I paid off in full and closed the account on XX/XX/XXXX and they are still showing delinquent payments of 0 days in XX/XX/XXXX and 0 days in XX/XX/XXXX as well as delinquencies in XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2021-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XX/XX/XXXX I approached a Bank of America employee in charge of Merrill Edge services at a local branch office for advice and management of my accounts with BoFA. He reviewed all of my accounts and recommended I take advantage of a Balance Transfer offer from BoFA to move one of my XXXX Personal Loans over to BoFA credit card. The balance transfer offer was zero percent on {$9700.00} from then until XX/XX/XXXX. After that the rate would increase to 16.49 %. He promised that the monthly payment would only be {$25.00} per month and that I could use the difference in payments to pay down another balance I have that is much higher and that I would come out ahead. 

I didn't believe the offer was true. So I asked him to confirm the $ XXXX/month payments. He called the credit card dept and confirmed it was true. So I ordered the balance transfer. 
A few days later we saw it was posted as a cash advance, not a balance transfer, with a higher rate 19.99 % at the end of the zero percent term. And that the term was shortened by one month. Also, about a week later we discovered that the payments were going to be $ XXXX/month, not the $ XXXX/month he had promised and had confirmed. 

I asked them to give me the terms they promised and he said there was nothing he could do about it. The credit card department handled that. And they said no to the request. I went to the assistant manager and he promised to try to fix it and then basically did nothing. In fact, he told me I had signed documents agreeing to the terms I have. 

I have sent 3 emails to them, 2 phone calls, and 4 visits to the branch office. In essence they have promised one thing, delivered another, and then passed the customer service off to some phone number that goes to another place. Those people passed me from one department to another and finally said that we had already used up the special offer code and there was nothing they could do about it.
Consumer complaint received 2021-04-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (IL)

Mr. Cooper Loan Service. My current mortgage was sold to this servicer. They have recently charged thousands of people this past week thousands and thousands of dollars by accident they are claiming. This is incredibly scary for people who live paycheck to paycheck having huge sums of money being deducted.
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

I was a victim of identity theft. XXXX XXXX leaked my information and someone opened a XXXX XXXX XXXX card. I was notified and cancelled the card and froze my credit. I also filed an identity theft report with the FTC. XXXX XXXX XXXX cancelled my account and said because it was fraudulent they would take it off my credit report. I disputed this card on my credit report and experian sided with them and will not remove this card from my credit report.
Consumer complaint received 2024-08-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

I have already sent a complaint earlier to CPFB and CPFB gave me a feedback in my email that coinbase received my complaint and that they will get back to me with a final decision within 60 days and it's over 37 days gone and yet I haven't gotten a feedback from them and i wish to know what's going on my coinbase account
Consumer complaint received 2021-04-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX I received a text message stating CITI BANK : Did you attempt XXXX ( Declined ) at XXXX XXXX XXXX XXXX.Reply YES/NO STOP. HELP. I replied no and then someone called me from XXXX ( XXXX XXXX XXXX. It was a meal and they stated that theyre are calling from Citibank two confirmed a authorized transaction attempt. He then went on and said that someone attempted to use your card in California in the amount of $ XXXX.The meal stated that The transaction did not go through. Then he said he will close out the card and send me a new card in the mail. Then on Sunday XX/XX/XXXX I checked my account I seen {$5.00} remaining in my account. The person mad 3 different wire transfer on XX/XX/XXXX of {$990.00}, {$990.00} and $ XXXX.I called Citibank customer service immediately. They then Freeze the account and now it under investigation. On the XX/XX/XXXX I Spoke to a supervisor he stated to me that they will investigate and it will take up to 90 days. Also I had to file a complaint with internet crime complaint center. I then call back the next week to get some updates on my case. I was on hold for over a hour. The Supervisor looked into my case and told me on the XXXX they Made their determination that I will not be credit back my funds that was wired out of my account because they tried to request the funds back from the person account. The Funds was unavailable for them to retrieve back. I did not Received a call or letter in the mail stating their Determination on the account. I have been banking with them for a very long time never had an issue with my bank account ever until now .how theyre handling it its very disappointing and overwhelming. The supervisor did not help me at all. they know that I am a victim of fraud but still refuse to credit me back the money.
Consumer complaint received 2021-04-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Credit Acceptance Corporation never provided me with a copy of the proof of sale from the auction they held to sell the repossessed vehicle. I was never given the opportunity to review whether or not they sold the vehicle for a fair market value as is my right. They are reporting this negative charge off on all three credit bureaus ' reports. I want the account removed until they can prove to me the law was followed.
Consumer complaint received 2021-04-26
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. (CA)

XXXX XXXX XXXX OF CA is reporting a collection for {$9500.00} from XXXX XXXX XXXX  for supposedly sold them unpaid balance on this account. I never signed a contract to purchase or lease any vehicle from XXXX XXXX XXXX ... .XXXX XXXX services went on to further provide a copy of the " contract '' that forged my signature and LACKED a date on the contract provided a driver 's license of a person with a similar name to mine but NOT me! YET they dared to report it to my credit for years. XXXX XXXX XXXX refused to provide any documentation to me directly due to the fact that they did NOT have any contracts with me, in my name to my social or to my dr license. XXXX XXXX XXXX IS GUILTY OF FRAUD, VIOLATION OF FAIR DEBT COLLECTION PRACTICES ACT, AND F.C.R.A. ....
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

There are several inaccurate accounts on my credit report that I have tried to address with the actual creditor, collection agency, and credit bureau they have ALL failed to provide me with the requested information. I am now seeking to summon them ALL to small claims court to assist with rectifying the situation. I have asked them numerous times and they have ALL stated that they have verified this account belongs to me without providing proof as requested. This is causing me great stress and if this is not fixed asap, I will be suing ALL.
Consumer complaint received 2021-04-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

As a consumer my rights has been violated multiple times by these credit bureaus and corporations. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Failure to investigate these items within 30 days gives a reason to immediately remove the items I pointed out in my letters that I sent over 30 days ago. Every account I disputed should be deleted if the instructions says to delete them and all late payments should be reflecting " paid on time '' per instructions. Every other account should be followed by instructions. I also stated each law you violated on my consumer report inside my letters also. I demand everything I stated in my letter to be handled appropriately per instructions or I will file for litigation due to the continuing stress your causing me. My information also was also impacted by the Equifax data breach.
Consumer complaint received 2021-04-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (KY)

I have been waiting for Quicken Loans to redo a quitclaim deed XXXXXXXX XXXX because they put home ownership into a non-residing co-applicants name into deed/title. 
In the closing docs XXXX included the incorrect deed along with the correct deed as they refer to as Deed XXXX and Deed XXXX. XX/XX/2021, I prefer XXXX real deed only. They told me to leave it in packet and ignore erroneous deed along with numerous, dozens, of other extraneous documents that never make it into a closing packet. XXXX will not refine the packet and upload to me with correct closing packet AND they dont care if Closing takes place as scheduled. 
Underwriting finished review of all tasks completed on time for applicants. The closing disclosure is XXXX pages but the closing packet is XXXX pages. 

XXXX XXXXXXXX is to be closing date. I do believe XXXX is fining me for days past the XXXX  day rate lock and an extension period. Obviously, XXXX is not concerned about completion of this refi loan. 
I am! 

I was uploaded XXXX pages for closing.
Consumer complaint received 2021-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (FL)

Between the priod of XX/XX/XXXX and today XX/XX/XXXX I have been unable to access my Online banking account. I have followed the proper steps each day to access my account to no avail. I also have received every run-around excuse possible, with extensive promises of expected retun phone calls from XXXX, also to no avail. I have advised that an online Registration issue exist which does not allow me to access my bank accounts online, with no realistic promise of a resolution. When I try to Register my bank debit card online through Citi.com, I receive an error message which states " Looks like something went wrong. Please contact Customer Support for help ''. I believe I need your departments assitance to resolve this access issue as the Citi bank " Customer Service depart '' does not seem capable of resolving this issue. I have reached out to XXXX XXXX in the Citi Executive Response Unit again for assistance as she is quite aware of the previous CFPB complaint # XXXX which was submitted XX/XX/XXXX and was assumed, incorrectly, to resolve this debit card online access issue.
Consumer complaint received 2021-04-26
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: EQUIFAX, INC. (CA)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2021-04-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: MORTGAGE SOLUTIONS OF COLORADO (CO)

I was applying for a refinance on my primary residence with Mortgage Solutions Financial. The representative told me the loan was approved, that they had found financing with XXXX XXXX and that he had some difficulty getting it approved. He requested supporting documents and ordered an appraisal which I paid for. Five days later he emails me asking to show more liquid assets and explain why there was a lien on my home ( which there wasn't ). Even after explaining no lien and sending proof from XXXX XXXX county he said he was closing the loan and canceling the appraisal. 
He offered no explanation why he was looking for more assets. The entire email conversation was less than an hour while I was working from from him asking for more assets to giving up. He ignored my questions about the supposed lien. When I contacted him by phone he essentially said that there was nothing he could do and offered no explanation as to why he was canceling the loan. He did not give any details about what underwriting had found and never offered to have me talk to the underwriter. He gave me nothing except an offer to talk to his manager.
Consumer complaint received 2021-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (WA)

This is for a mortgage payment for Guaranteed Rate. 

On XX/XX/XXXX ( Sunday ) I made the payment {$1200.00} for XXXX payment via the online payment portal Guaranteed Rate sent to my email. The loan went through and system sent me an email immediately with the title of " Your one-time Payment to Rate has been initiated ''. 

On XX/XX/XXXX ( Monday ) I received an email with the title of " Your Payment Completion Email from Rate '' with a transaction confirmation number, the account number and the correct amount. 

On XX/XX/XXXX ( Tuesday ) my bank statement shows the transaction has been cleared. 

On XX/XX/XXXX ( Tuesday ) I received a call from Guaranteed Rate customer service ( XXXX ) that they didn't receive the payment. I immediately sent two emails to customer service email XXXX : ( 1 ) payment completion email from XX/XX/XXXX and ( 2 ) proof that the transaction has been cleared from my bank on XX/XX/XXXX. 

On XX/XX/XXXX ( Friday ) I contacted Guaranteed Rate customer service ( XXXX XXXX to check. The customer service employee said she can't find my email. After I insisted her checking for THREE times, she " magically '' found the first email ( payment completion email ), but can NOT find the proof of transaction. I sent the proof again immediately to the customer service email and was advised to call next Tuesday ( XX/XX/XXXX ) since the system has 48 hours business hour delay - this is insane. 

On XX/XX/XXXX ( Monday ) I received a call from Guaranteed Rate Collection Department ( XXXX ) with a message to call back. Then I called back the number and the employee said they need to collect the XXXX payment since they haven't received it. I repeated the whole story with dates and amounts, and asked how to solve this issue because I have done everything right and it is their responsibility to solve the issue, not calling me again and again. The employee answered they have reported this to internal research department, haven't received any update AND there is NO timeline when the research department provides an update. The employee said there is no way they can contact the research department - this is such a broken and customer UNFRIENDLY system. 

By this time, 4 weeks after I made XXXX payment, did nothing wrong and provided all the confirmation to Guaranteed Rate, they still can not locate my transaction and the issue is not resolved. AND my credit score is at risk due to Guaranteed Rate 's mistake. I have already spent more than 5 hours on with this issue. I do have a tight schedule and this is a total waste of my time.
Consumer complaint received 2021-04-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: 21ST MORTGAGE CORP. (FL)

On or around the XX/XX/XXXX, My brother gave a {$12000.00} cashiers check to Yes! XXXX XXXX for the purchase of a mobile home. 21st Mortgage Corporation, never really explained the documents to me, as I was told that the loan as well as the lease agreement would be in my brothers name and I found out at this time that that was a lie, after they evicted me whom never took up residents at the park, that they state an oral agreement took place in the pursuit of getting the home, and on the loan documents pages 11 and 35 state that there is to be no ORAL AGREEMENTS, they have filed court motions with their legal team stating that this took place. 

We have request the {$12000.00} back as this was clearly a breach of contract seeing that my brothers name was never on the lease as promised would be the case, as he was the one making payments from day one up until XX/XX/XXXX. in which the went over the documents with me thou The reason for this is they have denied documents and I will be filing a lawsuit against them for breach of contract, and filing of these fraudulent documents that their lawyer has provided me clarification and written legal documents he swore under the penalty of purging himself, where he says there was an oral agreement, when the loan documents clearly state in the customers package that no oral agreement shall be made. This is why I am asking to continue, as I am preparing this demand letter for the lawyer and his clients.
Consumer complaint received 2021-04-26
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: EQUIFAX, INC. (GA)

I HAVE ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT THAT I DO NOT RECOGNIZE, THEY ARE NOT MINE AND I WANT THEM REMOVED IMMEDIATELY
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc. (IN)

I opened two disputes with experian for commenity bank because accounts that I had paid off the balance for were still showing a high balance. Instead of showing balance XXXX these two accounts were deleted from my report, lowering my score due to increasing my credit usage. I am in the process of trying to finance a house so This is a big problem.
Consumer complaint received 2021-04-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a HELOC open with Bank of America. Monthly Automatic payments were setup and made on the XXXX of every month. Bank of America confirms receipt of those payments having been received and posted to the account, however BofA is reporting to the Credit Bureaus as me having multiple 30, 60, and 90 day delinquencies which is A ) Incorrect and B ) Preventing me from refinancing the mortgage on my primary residence. 

I have filed a complaint with BofA and they issues a decision to the case that they were correct in their reporting and closed the case. 

On top of that, I paid off in full and closed the account on XX/XX/XXXX and they are still showing delinquent payments of 0 days in XX/XX/XXXX and 0 days in XX/XX/XXXX as well as delinquencies in XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2021-04-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CA)

I walked in my bank Citibank to transfer money from my account. They ( specifically the branch manager XXXX XXXX and bank teller XXXX XXXX from branch XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX gave me a hard time to complete my transaction. I believe they treated me poorly and suspiciously because of my race. The amount was substantial and they I believe they thought the transaction was fraudulent because of my race. They had no other reason to treat me the way they did. It took over 2 hours for them to finally agree to process my transaction.