davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My accounts 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/updated.

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.

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!
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

This is absolutely stressing me out. My loan applications are being turned down because of inaccuracies in my credit history. Despite meeting all my financial responsibilities, these errors have hindered my ability to obtain loans and have been incredibly frustrating.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

I have provided XXXX, Equifax, and XXXX with notarized copies of section 605B of the Fair Credit Reporting Act and FTC Identity Theft Report # XXXX, Police Report # XXXX, Small Claims Lawsuit Case # XXXX CFPB Report which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 

I am a victim of identity theft and human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from all three companies XXXX for myself, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XX/XX/year>. 
Please delete the following accounts : Creditor : XXXX XXXX Partial Acct # XXXX. 
Creditor : XXXX XXXX Partial Acct # XXXX. ( against my religious belief fraudulent reporting account with XXXX repetitive numbers ) Creditor : XXXX XXXX XXXX XXXX Partial Acct # XXXX.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2024-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (GA)

See the letter sent to XXXX below that I have not received a response. 

XX/XX/XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX Re : Mortgage Loan # ********** ***************** ****************** XXXX, GA XXXX This is my request to waive my escrow requirement for the following reasons. My loan is a conventional loan and I only financed 52.8 % of the appraised value of {XXXX}. Secondly, I am having constant problems with the escrow department properly managing my existing escrow account ( correct analysis on XX/XX/XXXX and incorrect analysis on XX/XX/XXXX ). Therefore, I no longer want to have or pay into an escrow account. I will pay my own property taxes and my own hazard insurance. Please discontinue my escrow account.
Consumer complaint received 2024-08-13
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Big City Finance, LLLP (TX)

XX/XX/XXXX, I called to make arrangements to pay loan ( s ), because I would be able to pay on due date on XX/XX/XXXX. I was told I could not make arrangements. Account was sent to a debt collector XX/XX/XXXX.
Consumer complaint received 2024-06-20
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. (CO)

XXXX XXXX is listing themselves as the original creditor. 

I do not have a contract with them. 
I am not liable for this debt. 
There's no payment history sent to me as required. 


No authorization to collect.
Consumer complaint received 2024-08-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Onity Group Inc. (NY)

In mid - XXXX of XXXX  the bank asked me to submit my contract of sale for my short sale as per their short sale process. Which I did as well in mid-XXXX  of XXXX. My last conversation with the bank was on XX/XX/year>. I was asked to call in along with an associate of a XXXX XXXX  I retained. ( I retained this company to help me get my short sale process underway, since the bank was not moving my process along ). The bank stated that this call was to verify my income so that I could move forward with my short sale process. Upon discussions with the mortgage company it was deemed by myself and my representative of the XXXX XXXX XXXX that they ( the bank ) mislead me and did not verify my income but rather stated that this conversation was not for the short sale process but rather to state that my account was delinquent and that I had no choice but to reinstate my loan and asked to pay an amount of over $ XXXX on that day to bring it up to date. I declined and stated that I was not looking to reinstate the loan but rather short sale my home as discussed with them on numerous occasions. I stated that the application had been submitted to the mortgage company as per their process in XXXX of XXXX  and to date my application had not been processed or reviewed. As of today, XX/XX/year>, I am still waiting for my short sale application to be reviewed with no communication from the bank stating as to why it has been held up. I have not received any communication of any kind, no emails, calls or letters sent to my home. As per my conversations with the debt solutions company rep I retained, the bank has continued to stonewall his request for update and review of my application throughout these several months. At this time, I am requesting that my short sale application be submitted to the short sale review department for processing.
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (FL)

American Express XXXX XXXX  XXXX  had an advertised signing points Bonus for new customers of XXXX points after meeting the spend. I did not initially qualify since I had a security block on my credit. I removed he credit block and called the advertised number to resolve my pending application. At the time of the phone application the agent confirmed I would receive the points for the signing new customer offer once I met the spend. I met the spend and called customer service to check o the point. The agent confirmed I would receive the points in XXXX weeks. I called again and this time they stated I did not qualify even though I met the spend. This was escalated and again it was communicated I would receive the points. I waited and few weeks later i did a chat to obtain an update and it was back to the message that I did not qualify even though on multiple occasions the customer service agents confirmed I would receive he points. I escalated and the XXXX pulled the call recordings of the agents stating I would receive the points and it has not been almost XXXX  months and I still do not have the points. I met the spend and was told multiple times I would be provided the points I earned and yet I have not been provided the XXXX point bonus.
Consumer complaint received 2024-08-11
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (CA)

On XX/XX/year> I received notice from XXXX that my data had been taken by a unauthorized 3rd party. This letter is dated XX/XX/year>. They informed me that " some of your personal information may have been " effected '' by the incident. 
On Saturday XX/XX/year> at bout XXXX I received a phone call on my home phone that I did not answer. The caller ID noted Citi. Shortly after one of my cell phones received a call that I answered. The caller started by clearly asking me if I was ; and he had my full name ( first, middle initial, last name ). After I said yes he asked me was my last four numbers on my Social Security number, AND HE WAS RIGHT. He asked me did I still live in CA and in the correct city. This guy had me. He claimed he worked for Citi Bank and that someone was attempting to open an account in my name with my social security number. Note, the phone ID did indicate Citi Bank. BUT, it also notes it was a cell phone. I have the number for any follow up investigation you are going to do ( likely a burner but it is a start ). This becomes slick. The caller claims he will block the attempted effort to open the credit card account and that he will transfer me to the credit protection unit after he gives me a case number ( The number he gave me was Case ID # XXXX ). He puts me on hold for about 29 seconds ( there was background music ) and then a new guy comes on and confirms everything the first guy did ( included my last four SS numbers ). I could tell he was getting ready to ask me more personal information ( like my whole SS number ). Both of these callers were men with heavy XXXX accents. The first guy stated that the credit application was in XXXX XXXX Nevada. The second guy would state it was XXXX XXXX NEW YORK. That was when I knew they had a pretty good operation going. I terminated the call and called Citi Bank help number and reported the about. I was told they would never ask me the social security number but the last four numbers on my card. The real Citi Card employee noted that this was one of the best attempts to get my personal data she had heard. HEADS UXXXX. I then tried to report this ( and make a complaint ) to XXXX. What a joke. The number and email address they give in the XX/XX/year> letter doesn't work! You have to log into a 3rd party vendor ( XXXX ) to make a report and After attempting to log I got kicked out and told to call a number on MONDAY. I get a feeling this is a scam too. I will follow up on Monday and I really wany cfpb to follow up on this and I want everybody to be aware of this scam. If it was not for the XXXX XXXX New York and the heavy accents I would have stayed on the phone longer and maybe have given them more than they ALREADY KNEW.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

Any and all consent to XXXX, XXXX, Furnisher of information to credit agencies, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( B ) ( C ), 15 USC 1681 ( a ) ( 5 ) I was never informed of my right to exercise my nondisclosure option. This account is an adverse item they are reporting again without my permission which is against the law. 15 US Code 1681s-2 ( A ) ( 1 ) A states 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.15 US Code 1681e, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.Unauthorized fraudulent inquiries into my credit.
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (AZ)

Dear Sofi Support Team, I am writing to express my concern and frustration regarding the recent freeze placed on my bank account. It has come to my attention that this action was taken due to transactions from XXXX, a boat rental app where I rent out my personal boats. While I understand the need for security measures, I am perplexed as to why my account was frozen without prior notice or inquiry into the nature of these transactions. 

I have conducted numerous transactions with XXXX in the past without any issues. It is only now that Sofi has decided to freeze my entire bank account, causing significant disruption to my life. This sudden action has put me in a precarious situation where I am unable to pay my bills and meet my financial obligations. 

To assist in resolving this matter promptly, I have provided the contact information for XXXX and XXXX, another boat rental service I use : XXXX, XXXX XXXX XXXX XXXX I urge you to review my account and the transactions in question as soon as possible. Freezing my account without prior communication has caused undue stress and inconvenience. I kindly request that you lift the freeze on my account immediately and allow me to continue managing my finances without further interruption.
Consumer complaint received 2024-08-07
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (DE)

TD bank allowed someone ( who was not me or who I didn't not give permission to or consent to ) to deposit my XXXX IRS XXXX XXXX check that was supposed to be mailed to me on XX/XX/XXXX, into their account with no proper precautions or security measures. I didn't receive a phone call until my check was already deposited and withdrawn from that person. The check was never verified because if it was- it would have been flagged and stopped. The check has my name, address, phone number and all on the check where they allowed someone with an entirely different name freely deposit into their account with no questions or flags asked. Someone was being lazy and not doing their job, which is negligence towards me, I had things planned with my XXXX XXXX.
Consumer complaint received 2024-08-13
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Amsher Collection Services, Inc. (PA)

On XX/XX/year> I contacted XXXX about an email they had sent me claiming that I owed them for an outstanding debt. The representative specifically told me that the only way I could stop them from reporting me to the credit bureau was to set up automated payments from my account in the amount they specified. I agreed. They took they first 2 payments out of my account ( XXXX, 2024 and XXXX XXXX ) and then reported me to the credit bureau anyway before the XXXX payment was due to come out on XXXX XXXX. I contacted them and told them that was not the agreement we made and I only made the agreement to avoid a hit to my credit score. They denied ever making the agreement. They said they would have to check the conversation records to see if any agreement was made. When I asked them to do that they refused.
Consumer complaint received 2024-08-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am writing to dispute the information related to a charged-off debt appearing on my credit report. 

According to my records, this debt was charged off and should not be listed as a current obligation on my credit report. As such, I request that you remove this charged-off debt from my credit report immediately. 

Please investigate this matter and correct the information as required by the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-08-16
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. (NV)

in according with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
XXXX  section XXXX States I have the rights to privacy. 
XXXX XXXX XXXX section XXXX A section XXXX : it Also state a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-08-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/XXXX I requested a payoff letter for the loan for our mortgage closing on XX/XX/XXXX. Every other company I dealt with emailed the letter or I was able to get it from the secure website. I was told by American Express that it must be mailed and it will be XXXX business days for it to arrive. I requested again on XX/XX/XXXX for it to be faxed directly to the bank. I was again told it can only be mailed and only once. 

XX/XX/XXXX, the payoff letter still had not arrived. I called American Express and spoke with a XXXX and was told that it can only be mailed, but that what I needed to give to the bank was not even on the letter they mailed. I was taken aback by this as I had been waiting for this letter as the only thing we needed to close on our home. Now we close in 2 days and I have no payoff letter and am no closer to getting it. I have been directed to the website to my original loan agreement, which is not what the bank is asking for. I am not sure what I am going to receive in the mail or if I will even receive it in time to close, but I would like to warn others do not use American Express personal loans!! 

I will try yet again tomorrow morning to get my actual payoff letter before XXXX XXXX  It seems like this is an attempt to get another loan payment and more interest out of me and is unacceptable!
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with TransUnion 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.

TransUnion 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 2024-08-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NJ)

I have an account from Jefferson Capital Services that was opened on XXXX I never opened an account with them. This is a violation see the consumer law 15 USC 1681b.

This is not my debt I would like to see Proof of debt assignment, copy of payment from creditor, a copy of original contract, and factual dispute to credit bureau. If can't provide documents delete account
Consumer complaint received 2024-08-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (TX)

My email was compromised due to scam.

However the bad actors were able to log into coinbase from a new IP address. They sold all my cryptocurrency ( XXXX USD at time ) and transferred to bitcoin, then was able to withdraw. 

I had XXXX tied to authenticator on my phone and had it enabled on coinbase. They should not have been able to withdraw without being able to disable that. Apparently the scammers were able to disable that, I am not sure how. Also how they did it so quickly Coinbase made it very difficult to freeze the account. I saw an email as soon as they sold my crypto holdings. I logged in and saw the btc in portfolio, I quickly grabbed by btc address and tried to withdraw that but they wouldn't let me. When I called support there was a 6 digit code to enter to lock account. I tried entering twice and knew it was the right number, it showed own my phone screen so i could confirm what i had typed in and what was requested, both times it was invalid. Had to talk to transfer to agent and the agent was hard to understand. They had to verify identify and by then the scammers were able to withdraw in that time.