davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mutual Management Services LLC (TX)

Resubmitting this as a separate complaint after speaking with CFPB. There is a collections amount on my credit report that is not mine, and I believe is connected to identity theft. The collections amount is currently listed as {$20000.00} as of a credit report I requested to be run on XX/XX/2023. The collections agency is listed as " Mutual Management Services LLC, '' and the original creditor is listed as " XXXX XXXX XXXX XXXX. '' I don't know how many ways I am able to express that this collections amount does not belong to me. I believe it to be the result of identity theft, and am opening this complaint to document this as such so that an investigation can resolve this issue. I would like to be very cooperative in this process, as it has been very violating to learn that someone has been stealing and misusing my identity.
Consumer complaint received 2023-03-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc (NC)

I have disputed this collection with all 3 credit bureaus ( XXXX, XXXX, & XXXX ) requesting written verification from Bull City Financial verifying the debt is in fact mine. However this information has yet to be provided to me. XXXX resolved the issue with my first dispute and removed the derogatory account from my report. XXXX and XXXX have both came back with the dispute as resolved, company confirms debt is certified, but no documentation has been provided. Nor did the collection agency ever try to contact me directly even before sending the account as unpaid to the credit bureaus. 

XX/XX/2023 - Disputed with XXXX XX/XX/2023 - XXXX dispute complete, account removed from credit report XX/XX/2023 - Disputed with XXXX and XXXX XX/XX/2023 - Notified that XXXX Dispute is complete and account still remains. Collector certified debt as accurate XX/XX/2023 - Notified that XXXX Dispute is complete and account still remains. Collector certified debt as accurate
Consumer complaint received 2023-03-29
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: Affirm Holdings, Inc (NY)

In XXXX ( XXXX ) I lost my job due to the pandemic, my job could not longer afford to XXXX XXXX  Immediately I contacted affirm and made the rep aware of the situation. I was told my due date could not be pushed back But due to the nature of the situation it would not be reported to the credit bureau. In the same month of XXXX I had a procedure that led to complications which prohibited me from getting another job immediately. I called affirm again to explore my options and I was ASSURED the loan info would not be reported to the credit bureau due to the extenuating circumstances far beyond my control ( an unforeseen pandemic ). After the rep stated it wouldnt be reported it was & my score dropped by XXXX XXXX.

I have been a customer for years and this is the only history of me not paying on time. 
A supervisor advised me that this can not be deleted from my credit report because the external factors were still within my control. Any competent person will note that Covid has had a direct impact on every economically factor surrounding America - especially income ( or lack thereof ). It is saddening to know affirm reps are aware how important credit is and have made 0 efforts to make the situation better. The reps have been very rude and have shown their lack of care to something very vital to my everyday life.
Consumer complaint received 2023-04-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

XXXX XXXX XX/XX/2022 I fell victim to a multi-layered scam operation XXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to a fraudulent investment firm ( s ). 

Upon becoming aware of the scam I immediately contacted CoinBase for assistance - and they were not helpful - actually the opposite. 

I contacted CoinBase and GAVE THEM the wallet addresses where my money had been sent so that nobody else could be scammed. They did absolutely nothing with the information- which should be considered a crime in itself. 

A report was also filed immediately with reportfraud.ftc.com Report number : XXXX It is incomprehensible in this day in age that there weren't any consumer protections in place, nor assistance upon notification by customer, NOR ANY ACTION TAKEN by CoinBase to prevent or mitigate others from being scammed. Clearly they don't have the proper internal processes needed to run a crypto exchange in accordance with the law and consumer protections. 

XXXX
Consumer complaint received 2023-04-13
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. (NC)

I have tried numerous times to have this account updated correctly to reflect accurate payment information and balance. At this time the credit reporting agency refuses to follow the FCRA laws in making sure that this account is reporting accurately. I have become so frustrated with the blatant breaking of the law and violating of my rights that I voluntarily have given the car back to stop the inaccurate reporting of payments balance to my credit report. The credit reporting agency has shown callous disregard for any laws regarding consumers and their credit reports. I have attached the snippet of my credit report that I had pulled today that clearly shows the violation of the FCRA. I have disputed this account 6 times with them and complained to the FTC and yet the credit bureau refuses to comply to the law. Account : XXXX XXXX Account XXXX
Consumer complaint received 2023-04-05
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (AL)

My XXXXXXXX XXXX card was cancelled last year as I entered into a debt consolidation plan. I paid off this credit card myself on XX/XX/2022. Out of the blue, they sent me a bill with charges and fees due. I do not owe them anything, I have a XXXX BALANCE, CANCELLED CREDIT CARD that they are trying to bill me for. I do not have the credit card number because all of my cards were cancelled last year, some were paid off by me like this one and others are in a debt program.
Consumer complaint received 2023-04-13
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. (MI)

I'm having an issue with XXXX constantly telling me lies, giving me the run around and keep reporting a bankruptcy that I did not provide permission to do so according to the FCRA. 
Also under consumer law 15 U.S.C 1681 a1,2, and 3... .15 U.S.C 1681s-2. I called XXXX to dispute this issue several times,. On XX/XX/XXXX I sent out disputes concerning the bankruptcy to all XXXX credit reporting agencies XXXX XXXX TransUnion and XXXX along with the letter from Pacer and my updated information. Almost 2 months pass I called back they said they closed the investigation but I never recieved any mail for it. I called on XX/XX/XXXX and they reopened the investigation so On XX/XX/2023 a representative told me that that they do get there information from Pacer, even after I sent the actual letter I received from Pacer stating that they don't report to anyone. So I asked XXXX where are you getting your information from in order to legally report it. But they keep closing out my disputes. But never send me any notifications of the dispute results. I'm just fed up with this issue it's hending my credit and causing damages I keep getting denied for things due to them keep reporting it
Consumer complaint received 2023-04-13
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. (GA)

XXXX Acct # XXXX, is furnishing inaccurate and incorrect information to the consumer reporting agencies. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. As defined by the IRS Publication 4681 ; Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS clearly defines a charge-off as Gross or Ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! Furthermore, the consumer reporting agencies did not use reasonable procedures to assure maximum possible accuracy of my consumer report as it relates to the above-proven inaccuracies. Which is a direct violation of the Fair Credit Reporting Act. 15 U.S. Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I requested verification for XXXX debt reported on my credit report, and it returned as verified every time. I recently received a letter from XXXX about a credit report mistake. This error cost me a higher interest rate on my vehicles as well as my apartment search denials. I currently seeking a remedy to this in possible other errors
Consumer complaint received 2024-08-26
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. (FL)

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 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 2023-04-13
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (WA)

Transactions keep appearing on my cashapp account from XXXX that I didn't authorize. One on XXXX for {$1.00} and another on XXXX for {$2.00}. I was flying on an airplane during the date and time it's saying the {$1.00} transaction occurred and I did not make or authorize it. I will attach proof of my flight itinerary on XX/XX/XXXX. And I was at a birthday party on the date and time they are saying the {$2.00} transaction occurred. Cashapp which is run by XXXX XXXX  denied all of my recent disputes. Their response said I authorized both transactions. This is not true. Neither the {$2.00} or {$1.00} were authorized by me and I have no idea who the company XXXX even is. I would like for the Consumer Financial Protection Bureau to investigate how Cashapp and XXXX XXXX handle disputes. I requested documentation of what they used to decide the dispute and all the sent was the transaction date and time and that my card wasn't present for the transactions. I will attach all correspondence from them as well.
Consumer complaint received 2023-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have a Savor Rewards card. I reached out previously last year about issues with my card due to deceptive practices. The issues were mostly resolved when a member of the leadership team reached out to me. My period with no annual fee has now ended and I am still unable to move from a Savor Card into a Savor XXXX card ( according to customer service ) and have now gotten hit with the annual fee. It doesn't make sense for me with the small amount the card is being used. The rewards do not really offset it. My expenses are now much lower now due to the coronavirus / economy having a large effect on my employment. 

I never would have gotten this card in the first place but I thought I was signing up for the " Savor XXXX '' card, not the " Savor '' card, it turns out it was actually the regular Savor card. ( The website is very deceptive and little is done to differentiate the cards ) This is the initial main issue, I am now locked into this card ( Savor ) paying an annual fee which I never knew about and never would have signed up for if I knew. ( Savor XXXX has no annual fee ) Customer service is unable to assist me and I am now locked in this card with no way out besides paying the fee or taking a large credit hit by canceling the card. Are you able to either convert me into Savor XXXX or offer any assistance in these difficult economic times with the annual fee? I have been a valued customer of over a decade with no missed payments for and excellent credit and have not been happy with the service I have received since getting this card. Thanks
Consumer complaint received 2023-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2024-08-26
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. (FL)

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within XXXX  days.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2023-03-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MI)

im in my last six mouth redemption period. but hers my question last XXXX we applied for the mi half and i found out about that program throw my mortgage company carrington. i made them aware that i did apply for the grant and we had a very good shot at it because my wife lost her job due to covid. every month i called carrington then i called mi half XXXX came around and mi half said we got everything in but they where backed up snd still waiting for someone to look it over. i called carrington and told them they said my house was set for the sheriff sale XXXX XXXX of last year : i tried to get it stoped but XX/XX/XXXX came and they did it anyways. i fill i lost my home directly due to my mi half. the bank told me all mi half would of done was to contact them to tell them i was working with them. I had other options I couldnt get a loan modification but I couldnt do that because I was waiting on an answer from mi half and now because of them the bank is blaming it all on mi half they said the sheriff sale would been stop if mi half wouldve done your job and contacted my mortgage company. mi half contacted them XX/XX/XXXX and carrionton refused payment. My mortgage company told me that they dont care what I tell them they wanted to hear from the organization mi half and I am under the understanding that they are supposed to contact the mortgage company to tell them that theyre working with the them. I am sitting here with one month left and because of this I lost my house. thats my story. My question is, is there anything I can do? I am told that under Sercombe circumstances that that can be reversed. I think Im should be one of the circumstances. my DHS  caseworker told me that there must be something that can be done because thats not fair. i will lose my hind because of this issue. ive contact everyone i can mortgage company mi half everyone point the figer at each other but at the end of the day im going to loss my home of 15 years because of two places that cant communicate. please help. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (CA)

The dealer I purchased my car from " mistakenly '' added an optional warranty or coverage in the amount of {$1500.00}. I reached out to Westlake Financial Services to cancel it on XX/XX/22, I received written confirmation of the cancellation on XX/XX/22. I was told the amount would be credited to the loan. I noticed a partial amount was issued, I believe around $ XXXX {$500.00}. I was later told the dealer was to issue the remainder to them and then it would be issued. I followed up several times and was told the they could not reach the dealership, sounds like a personal problem since the remainder had to be paid to them. A few months later I informed them the dealer was gone, there were no cars in the lot. I was thanked " for providing the information '' but they did nothing. Several calls and emails later and each time I was told the issue had been " escalated '' and here were are, a whole year later and nothing had been done. They no longer reply to the emails and the remainder was never credited to my loan. I have copies of the emails should you require them.
Consumer complaint received 2023-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (PA)

On XX/XX/2023 I noticed a pending charge for {$250.00}. It began pending on that day. I called immediately to let Chime know that this was a fraudulent charge from XXXX. It pended for 7 days and then all of a sudden on XXXX XXXX it posted. On XX/XX/2023 they cancelled my card and said they sent me a new one. On their app it clearly states that I would receive the replacement card by XX/XX/2023. I have not yet received it. Then on top of that, on XXXX XXXX, another charge from XXXX began pending for $ XXXXThis was after they cancelled the card.
Consumer complaint received 2023-03-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I received a debt letter from a company called resurgent. They stated I owe money on a XXXX XXXX XXXX credit card Ive never even owned from 2007. I did call XXXX XXXX XXXXXXXX to confirm this and they stated Ive never had a credit card with them. I called the debt collection agency back to tell them its fraud and Im not paying anything.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.