davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (AR)

Account # XXXX AND # XXXX MILESTONE CREDITOR CONTACT ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX, MN XXXX Type of disputed information : Credit Card Explanation of item being disputed : There are two different account numbers showing up for the same account. One account, I did not give permission for the creditor to share my personal information, that's illegal. Now, I have two different companies, reporting at the same information on my credit report. One Account number XXXX shows that I am current and the account other company is reporting charged off, with 4 late payments. Account number # XXXX shows the account as a charge- off, on XXXX shows 120 days late with XXXX payment late, on XXXX it shows charged- off with 12 late payments. All different companies have different statues and inaccurate information on my credit report. 
I am asking for this account to be immediately off of my credit report. Please mail me a detailed letter when this account is deleted. 

I was under the assumption, if companies are reporting inaccurate information, they should be delete. The CFPB is here to force the companies to correct their wrongs false information. Not just keep on changing information every time they get a report.
Consumer complaint received 2024-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

Good afternoon, My name is XXXX XXXX XXXX. I am writing to complain about CREDIT COLLECTION SERVICES. This is not my debt and they are inaccurately reporting on my credit report as a collection. I find it completely unfair and illegal. I think they should definitely get some type of fee charged because they haven't even validated this debt with me and because of their inaccurate reporting, are stopping me from acquiring a house/car. 
Please have them fix this. Thank you.
Consumer complaint received 2024-07-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (PA)

My credit report is showing multiple collections, one from XXXX XXXX XXXX, and one from Credit Collection Service XXXX. I did not receive written notification about this debt so I never had a chance to dispute on my behalf. I am requesting debt validation according to 15 USC 1692g I am requesting the original contract I signed guaranteeing that I pay this debt, a detailed list of the history of payments made on this debt, has there been an insurance claim made on this debt, proof that you have chain of title to collect on this debt. Without providing any of this information I am requesting this debt be removed immediately.
Consumer complaint received 2024-07-19
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. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 


XXXXXXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-07-18
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: CCS Financial Services, Inc. (MA)

I'm trying to buy a house and I've realized that I have damages on my credit report. According to the 15 U.S.C 1681 law, there shouldn't be a damages on my report. It's a defamation to me character
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-19
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. (NJ)

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX
Consumer complaint received 2020-06-16
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (KY)

I divorced in XXXX. My ex husband was to retain the house and refinance by XX/XX/XXXX. Our original loan was with XXXX XXXX  XXXX. He did not comply and did not refinance the house and remove my name from the note and mortgage. On XX/XX/XXXX he obtained a loan modification ( unbeknownst to me ) from American Home Mortgage Servicing Inc . Someone forged my name. I was never contacted by this company in regards to the loan. 

On XX/XX/XXXX XXXX XXXX  XXXX XXXX assigned its Mortgage to XXXX XXXX XXXX. 

On XX/XX/XXXX my ex husband obtained a second loan modification with Homeward Residential Inc. Again someone forged my name. I was never contacted once by this company either. 

I have sought legal help several times before finding our about the forgeries to have my name removed from the note. On XX/XX/XXXX XXXX ex was found in contempt of court and order to refinance but fell gravely ill with XXXX and died in XXXX. 

On XX/XX/XXXX my attorney sent a letter to the mortgage company detailing what occurred and requested that my name be removed from the note. He did not receive a response. 

Because of this, I have never been able to purchase a home. Ive been told I may qualify in XXXX.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (TX)

On XX/XX/year> - XXXX XXXX XXXX XXXX XXXXXXXX XXXX ran several credit checks to make sure they found me the right lender. Please delete the following uncomfirm inquiries due to lacking certiable evidence unless physically certified verified proof is being demonstrated per U.S. CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act. Once you have fulfilled my request, mail me an updated credit report reflecting these changes. Thank you! 

Inquires : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION (NC)

In XXXX of XXXX I called Truist to file a fraud claim on XXXX charges. The credit card had a XXXX balance prior and I contacted them before any bill was due. I was given provisional credit for both charges that were also reversed the same day. I was then charged interest and a late fees and talked to multiple employees that stated I would not be responsible for any charges incurred during the fraud dispute process and it would be resolved in XXXX statement cycles. Starting in XXXX, I started receiving daily collection calls from Truist and I kept telling them I have an open fraud case. I was repeatedly told I was not responsible for the charges but I now have it XXXX my credit report as Delinquent and it is affecting my credit. I have been asked multiple times to speak to supervisors for answers only to be placed on hold for XXXX minutes which I can not do during my work hours and the fraud department is only open during my same work hours. I have asked multiple times to be contacted by a supervisor and was told I would recieve a call within XXXX hours and have yet to be contacted. I have had to call to try to get resolution with no success.
Consumer complaint received 2024-07-19
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 recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Date XXXX XXXX Re : Account # XXXX Dear Sir/Maam, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( s ) : XXXX XXXX XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. 
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15. 
You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, Experian & XXXX ; XXXX or all that apply ) and update the accounts to positive. 
Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TEXAS, XXXX XXXX XXXX
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC (NC)

XX/XX/year> call from XXXX XXXX no message, returned the call same day. Was asked my name/last 4 of ss # and address no match because I re-married 5yrs ago and relocated 4yrs 7mo ago. Asked if I opened an acct for a XXXX XXXX XXXX XXXX and stated no, especially with a former last name and former address. Total of {$680.00} which was {$510.00} for purchase made on XX/XX/year> in XXXX and annual fee of {$170.00}. Transferred to fraud dept. I asked if a physical card was mailed to the former address and it was. What item ( XXXX ) was purchased and did not know may have been dept store, apparel store or a sporting good store. I called XX/XX/year> with more questions but fraud dept was closed. I called on XX/XX/year> to ask more about transaction. Was told XXXX XXXX XXXX @ XXXX. I called and XXXX processing credit card purchases on behalf of businesses. To get a receipt for the purpose of seeing the business the purchase amt, the date of purchase, Cvv, and credit card info needed. I did not have card info and concora would not give to me neither would they look up the ino on square.com/receipt. I met police on XX/XX/year> and they went to home. denied any mail came to home but police retrieved letter for my son. Police report should be available XXXX business days.
Consumer complaint received 2023-11-23
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. (GA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX & XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 XXXX 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 2024-08-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (UT)

In XXXX I opened an account with Coinbase. In XXXX, I became a somewhat active user in Coinbase purchasing various different Crytocurrencies. During the time between XXXX and XXXX there would be weeks, perhaps months when I did NOT access my account. When that happened my account was frozen. I had to contact Coinbase in XXXX XXXX and have a CSR help me get my account opened by sending them real and actual DOL information and " live time '' snapshots of myself. During this time the account averaged a balance of possibly {$7500.00} - $ XXXX depending on valuation changes. 

In XXXX my wife passed and I had all but forgotten the account. 

In XX/XX/XXXX I moved. During the time of moving and transition, I found something that reminded me of my account. 
On XX/XX/XXXX I tried to contact Coinbase with the number I had contacted them with before. It was fruitless and a lesson in frustration. Coinbase has somehow found a way to make their recorded message a " run-around ''! Through research ( more time spent ) I found I could contact Coinbase through the " XXXX '' or " XXXX '' platform. It appeared I had contacted someone, but again, a " runaround ''. It has been OVER A MONTH since my initial contact with Coinbase and all the " solutions '' they offer are NOT SOLUTIONS and I've proved that to them with evidence. I'M STILL GETTING THE RUNAROUND FROM COINBASE CSR 'S. COINBASE HAS NO INTEREST AT ALL in helping their client customers! In the MONTH that Coinbase has FAILED to help me, has my crypto account " skyrocketed '' and then " tanked ''? Did I lose money? Did I make money? How much? Is Coinbase liable for losses because of their FAILURE TO ACT IN A TIMELY MANNER?
Consumer complaint received 2021-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Transunion XXXX. XXXX  XXXX XXXX, PA XXXX Dear Transunion Credit Services, This letter is a formal request to remove ( 8 ) unauthorized inquiries from my credit report. I did not authorized. These inquiries are fraud. 

XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 

Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Someone helped me open up a credit card. Immediately after I activated the card, I received a call from someone pretending they are the bank. They told me it was fraud on my account and asked me for my account information to resolve the issue. I gave it to them and after the told me I wont have access to my card or online bank until I receive a new card. Unbeknownst to me, my card was being used during this period. I attempted to use my card on my trip in texas and it worked so I continued to use it in texas. When I came back to XXXX I made a couple more transactions before my card declined. Immediately after it declined the bank called and told me the same story on how there is fraud going on and I cant use my account and itll be closed. I still didnt have access to my online. Fast forward XXXX  years later, boa contacted me trying to have me pay back the credit. I explained to them what they had told me which they denied. Thats how I found it I was being scammed. So, I filed a fraud claim with Bank of America. They ignored specific information just so they can deny my claim. They say it was payments made on the account which wasnt made by me or an account linked to me. Theres about $ XXXX worth of fraudulent transactions. The transactions with a yellow strip next to it is fraud ( see attachments ).
Consumer complaint received 2024-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BSI Financial Holdings, Inc. (GA)

BSI Financial ( Servis One, Inc dba BSI Financial Services XXXX XXXX XXXX ) has serviced my investment property loan for approximately one month. They took over for my lender XXXX XXXX XXXX. So far they have sent two erroneous late notices and tried to collect a late fee. However, I have always made payments on time- with the previous servicer and now with BSI Financial.

Today I sent a Notice of Error to BSIs customer service email in response to their second erroneous late notice that I received this morning.

Also today, a representative from BSI called me to say that my last payment made on XX/XX/XXXX was {$81.00} short and I needed to make an extra payment over the phone. There is no statement or document available to me to substantiate this charge. The representative stated that my XXXX payment was short and she wanted to collect the {$81.00} balance, however BSI 's system currently falsely states that my entire XXXX payment is overdue. 

I feel like I am being harassed despite making on time payments. I am also worried that BSI 's disorganized accounting is putting the status of my loan, my credit, and my investment at risk and may result in extra charges or worse.

Thank you for your assistance in this matter.

ATTACHMENTS : 1 ) Bank record showing XXXX XXXX on time auto-payment to XXXX XXXX XXXX 2 ) XX/XX/XXXX BSI statement with {$640.00} monthly charge and late fee error of XXXX for XX/XX/XXXX ) Bank record of XXXX payment made in correct amount of XXXX after late fee was adjusted on website XXXX ) Late payment notice received in XXXX for XXXXXXXX XXXX payment XXXX ) Late payment notice received today for XXXXXXXX XXXX payment XXXX ) Record of payment history available to me on BSI website XXXX  ) Screenshots of BSI website today with late payment notice
Consumer complaint received 2024-08-14
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Office of Brett M. Borland, P.C. (MI)

Paid the property manager in person and the property manager failed to notify collection agency of payment which is causing damages to my credit score and holding me from being able to get accepted into another rental property. Also Im now XXXX and the property manager is aware of that and still neglected to give credit bureaus the updated information and still had the collection agency contacting me.
Consumer complaint received 2020-06-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (FL)

My beau, XXXX XXXX, and I opened a joint account with navy federal. During the application process, XXXX selected the incorrect option to establish his eligibility. He thought the selection he chose was for household eligibility. However, he received an email today requesting a marriage certificate. It's already taken a few days too long to open the account and was wondering what the delay was. No one from the membership department reached out by phone to inquire or to offer a solution ; yet they sent an email. I called the bank customer service and reached an operator agent named XXXX. After explaining to XXXX several times I am the joint owner, which means we both own the account 50/50 and im already a bank member. The issue could be fixed internally, especially after I reiterated we are not married. In the wake of COVID19, NFCU is trying to compel me to leave my home to visit a branch like the XXXX didn't just report 30,000 new infectons this week. XXXX refused to give me his supervisors name nor would he provide additional identifying information to locate him. I asked XXXX seven times to speak with his supervisor and he refused. He taunted that he would not lose his job and he was very secure. The call being recorded on my end as well, I am definitely sending to XXXX. I have been a member with NFCU for a while and never have I ever had such a disgusting display of customer service.
Consumer complaint received 2024-07-19
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. (LA)

on XXXX, i sent XXXX and experian a letter disputing the inaccurate account and the unauthorized inquiries that's reporting on my credit report.I am requesting that they removed them ASAP because they are damaging my credit profile and keeps me from obtaining things due to my credit.