davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I reviewed my credit report recently and noticed an account that was not reporting accurately, i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (CA)

Ally Fraud department XXXX XX/XX/year>, XXXX, XXXX, XXXX, etc. 

Because of a wire transfer that they could not verify, they closed my account and severed my relationship with them. They never contacted me and I was told they could close an account at any time. 

I always requested payment ( about XXXX ) for my account balance and statements so that I could verify transactions. I have no statements because who is to think they need them. 

Sometimes the call would be met with a very cold response other times sounding more helpful. I have not received anything. I asked for a higher person to help but was never given one. 

Ally is not a good choice for an online bank because they can do anything they want suuch as holding your money. This causes severe difficulties because I need that money for bills.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX Privacy Act of XXXX XXXX  5 U.S. Code 552a ) The Privacy Act of XXXX as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual.
Consumer complaint received 2024-07-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (VA)

Approximately mid XXXX I opened a Coinbase account. As per policy I was asked for and provided my government issued ID card as well as my full social security number. Less than a year later my phone was stolen and it was the only device I used to transact on Coinbase. Consequently I was locked out of my account. In mid XXXX this year I contacted Coinbase to regain access to my funds. They made me go through several verification steps including opening a new account, taking selfies with my ID and the date and " for Coin base verification '' written on paper over a two day period. They verified my social security number and required a copy of my ID which i provided. Next they had me use some kind of facial recognition software to take more selfies. After this process was completed I was told all steps had been completed and we were just awaiting the balance transfer from my old account into my new account. Approximately 5 days later the money still hadn't been transfered I spent more hours of MY time on the phone with them. They had me start the process over from the beginning as if I hadn't already spent hours doing the full verification. Than they say that I need to add apple pay to my account for the transfer to happen. I told them I wasn't willing to add XXXXXXXX XXXX as it shouldn't have any bearing, my old account didn't have it. Than they say the only other option is to provide debit card information that was connected to the old account, which I don't have. I just want my money to be transferred to my new account. All told i spent over 5 to 7 hours going back and forth with customer service between waiting for a representative to actually taking pics etc. It's my money and I'm verified on both accounts can you please help me. Thanks.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

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

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-07-21
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: HOVG, LLC (TX)

Bay Area credit services account # XXXX creditor pens XXXX XXXX XXXX XXXX just Recently Started sending me a bill for XXXX and Ive called and told them I dont have a bill and I dont know that place and they it was from a doctor visit back in XX/XX/2018 my kids and I have Medicaid and have had Medicaid for over a year. And the only doctor or hospital we have been to we dont owe anything Ive called and this place cant tell me what doctor and they were getting mad when I wouldnt pay and said they would freeze my ssn Ive never heard of that before.
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (AL)

I have been a customer of former Carecredit now Synchony bank for 6 years, I have never missed a payment and recently paid my balance off in fulll. The next month they closed my account. No explanation. I have recently paid off my car and three credit card, my credit score has increased by XXXX points. This is a terrible company and they need to face legal consequences for their actions.
Consumer complaint received 2024-07-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was scammed by a guy, presenting himself as a Bank of America representative about a purchase on my card. The caller ID said Bank of America. They could tell me the last four of my account numbers, my balances everything. And because he got me worried about my money and fake charges through the course of his, I ended up losing approximately {$3500.00} XXXX weeks before XXXX. I also found out shortly after that about XXXX XXXX admonishing the CFPB regarding an employee that emailed himself banking information from XXXX financial institutions. I take it Bank of America is one of those. And I take it. They had my information in front of them because how did they know that I was with Bank of America? How did they know my account numbers? besides the loss of money, the extreme worry and inconvenience that goes along with that. Im a retired XXXX that takes care of my XXXX XXXX son. I want my {$3500.00}. Thank you.
Consumer complaint received 2017-03-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TX)

I have a mortgage with Nationstar Mortgage. In the middle of XXXX, I received a bill stating that my payment would go up beginning on XXXX XXXX, 2017 by {$220.00}. On XXXX XXXX, I sent in my regular payment of about a {$1000.00}, but they refuse to deposit it on my account. They are stating that they can not deposit it because the check has been suspended until I send them the updated amount. I am on a fixed income and I live with my sister who is on social security XXXX. We can not afford to pay this type of an increase without having prior notice to prepare. 
They are now stating that my mortgage is going to be reported on my credit as late, when I paid them what I always pay on the first. I do not understand how this is ethical. According to information on the Federal Trade Commission website, it states that the servicer must give me a statement that clearly itemizes the estimated taxes, insurance premiums and other anticipated amounts to be paid over the next 12 months, and the expected dates and totals of those payments, which has not happened. 
They are now also making me work through their bankruptcy department, which I am fearful will add additional expenses to my account. Being retired on a fixed income and living with a sibling who is XXXX, it is very hard to make ends meet, much less taking on a new expense without sufficient warning.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

U.S. Privacy Act of 1974 The Privacy Act of 1974 establishes rules for collecting, maintaining, using, and disseminating personal information by all federal agencies.

Individuals have the right to know what information is being collected, how that data is being utilized, and the ability to request corrections.

What is the 15 USC code 1681s 2?

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

XXXX XXXX XXXX XXXX Years since Divorced should be deleted All address DELETE : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( The mail address is not recognized as an address according to XXXX XXXX XXXX. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-03-23
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (GA)

I am filing this complaint on behalf of my mother who is the mortgagor/debtor with Nationstar Mortgage. Simply put, mortgagor is disputing a {$43000.00} charge against her account. Nationstar has unilaterally charged the account by taking 18 % of insurance proceeds, which totaled {$240000.00}. ( {$43000.00} = 18 % x XXXX ). Insurance proceeds were the result of a fatal fire that totally destroyed the home. 

Nationstar has explained that the charge is routine and that it paid a vendor to service the account and/or maintain the property. However, Nationstar has failed to produce documents, such as canceled check and invoice, to substantiate the charge ; nor did mortgagor ever receive proper notice of this charge. The {$43000.00} only came to light after mortgagor requested an accounting of the mortgage. 

As reflected in attached documents, mortgagor believes she is owed at least {$70000.00}, as opposed to {$26000.00} as asserted by Nationstar. Please help me in determining the validity of the charge and/or crediting the disputed amount back to mortgagor.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXd : {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00}
Consumer complaint received 2024-07-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NY)

My sister, XXXX XXXX XXXX, died unexpectedly on XX/XX/XXXX. At the time she was a long standing card holder of a XXXX Thank You XXXX XXXX. She had a credit balance of {$9.00} and a Thank You Rewards balance of {$43.00}, for a total of {$53.00}. I was an authorized user on the account. XXXX 's account number was XXXX XXXX XXXX XXXX, exp XX/XX/XXXX, XXXX digit code : XXXX. 
XXXX was a XXXX adult, a life-long XXXX XXXX and XXXX resident. XXXX had very little money throughout her life. She lived with our XXXX and myself. She did not leave an estate of any kind. 
XXXX insists they will only issue a refund check to the estate of XXXX XXXX XXXX, which means we can not get the {$53.00} back from them. I realize this is not a large amount of money, but for me its the idea that Citibank knows they owe this money and they are simply refusing to give it back, We would accept a check made payable to either my father or myself, or a transfer of credit to either my father or myself. They will not do either and say they will only issue a refund to the estate. Since there is no estate, we can not cash the checks. They are not willing to work with us at all. Please help if you can.
Consumer complaint received 2022-12-04
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. (NJ)

On XX/XX/2022 i was contacted by a debt collector named XXXX credit syste, was insistently harassing me, yelling at me during calls when i simply told them by law they are not allowed to call me before XXXX XXXX since i work in TX now, im no longer in eastern time .They violated my right consumer right since they called me before the legal time which is XXXX XXXX, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.In addition to that, they tried to collect a debt that already written off in taxes of the original company .By law any charged off debts sold to a collection agency, its a violation and illegal to charge off a debt then trying to retrieve the payment from it. Any charged off debts become a taxable income to me, therefore .Since the collection agency violated my consumer right, i request to delete the negative report from my credit file.Also i request to provide documents bearing my signature to validate if that account belongs to me.
Consumer complaint received 2024-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (NV)

My previous lender went bankrupt and was bought out by Shellpoint NewRez lending. My account was under a modification plan that this new lender claims to not be aware of. Not only that but they have no records from the account. This is an XXXX account that was fully functional with me as successor for 4 years and now they have no record of me or the modification. They asked me to submit documents of proof of succession. Which was submitted on XX/XX/year>. I was told to call in every week to see if they were recieved. It has been weeks and no processing conformation have been received via mail or when I call. They have mailed me a foreclosure processing but they refuse to honor the modification.
Consumer complaint received 2023-05-20
Product: Credit card or prepaid 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: Atlanticus Services Corporation (NY)

Paid off card in full so it would be available for XXXX but misplaced card in my house so I asked for a new one. Couple weeks later a got a message asking if I was trying to use my card for a {$1200.00} purchase. I immediately replied No and was told to call Fraud department, which I did. I was told that my new card was activated and used. I asked how that was possible if it wasnt me. They repeated a # that I dont know and is not my phone #. They cancelled card and told me to fill out paperwork and send back to them. I did as instructed and the charge was temporarily removed. I got a letter that said that dispute was not in my favor so once again I called to state my claim. They once again removed the the claim after sending in a written statement. Few weeks later I received the same results. I called investigators at this company and no one calls me back but they are still asking for payment
Consumer complaint received 2024-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX 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 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 in months that are reported late 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. 


XXXX XXXX XXXX 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 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX Opened XX/XX/2023 ( XXXX mos ) Account status Open Type -- Responsibility Individual Original creditor name XXXX Open Balance {$2800.00} The Signature Wasn't in handwriting INK on paperwork