davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-17
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GU)

Transunion sent me a Fraud Alert / Security freeze application asking if I would like to place a security freeze on my credit file. My response is no. I do not want a security freeze on my credit file. I did not complete nor submit a credit freeze application. Transunion then placed a security freeze on my credit report without my consent and now my potential creditors are unable to access my Transunion credit file. This blocks my ability to purchase a house, to purchase a car, and my ability to obtain general credit. Transunion then further lowered my credit score to XXXX although I have only XXXX active credit account and no lawful negative accounts. The XXXX account being reported is PAYED AS AGREED and has never been late. My credit score should be a XXXX. Please assist at unfreezing my Transunion credit file and lifting my credit score! I did not request a credit report security freeze. Unlock immediately!
Consumer complaint received 2024-01-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (CA)

I have been Coinbase customer for many years. I have been trading crypto currency through their site and have significant amount of money in the account, around {$100000.00}. 
Around XX/XX/2024 I had trouble logging in to my Coinbase account. 
To recover access I was taken through the steps to verify my identity. I provided all needed information and was told that my identity will have to be verified manually and I will get further instruction sin the email. 
A few days later received email with instructions how to recover any account. 
The instructions didn't work. 
I have called customer support and was asked to provide photos to verify my identity again. I did provide all needed information and the person on the phone confirmed that my identity was verified. I was told that my case has been escalated and I will receive instructions in the email. 
The instructions I got in the email few days later didn't resolve my issue. 
Since then I have repeatedly called customers support spending hours on the phone. Every time I get a new promise that my case has been escalated and I should patiently wait for an email with instructions. But when the email comes it contains the same instructions that didn't work previously. 
It's been a month since the problem happened and I still don't have access to my funds. Their customer support has been giving me run around and is not helpful at all.
Consumer complaint received 2024-01-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (IL)

XXXX : I opened a checking account with Chase Bank online, and transferred {$3000.00} from my XXXX XXXX  savings account via ACH. 
XXXX : I transferred {$900.00} to the Chase Bank checking account from my XXXX checking account. 
XXXX : I get an error signing into my Chase account and a message telling me to call Customer Service. They call and tell me they closed my account due to suspicious activity. 
XXXX : I call Chase Customer Service again to ask about the refund for the transfers. They tell me to call back in 3-5 business days for a tracking number. 
XXXX : I call again and they tell me to call again in 3-5 business days. 
XXXX : I call again and they tell me to call again in 7 business days. 
XXXX : I call again and they tell me to call again in 7 business days. 

It has been almost a month since they closed my account and no word of any refund being sent to me.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (MO)

In accordance with the Fair Credit Reporting Act. Discover Bank has violated my rights Under 15 USC 1681 Section 6O2 states I have the right to privacy 15 USC 1681 Section 6O4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USACS 1666B A creditor may not treat a payment on an credit card under an open-end as late for any purpose. 


The account is reflecting a late payment in XXXX of XXXX.
Consumer complaint received 2018-02-13
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: Experian Information Solutions Inc. (UT)

There are a number of accounts showing on my Experian Credit report that I do not believe are mine. Experian has failed to provide a method of verification to prove these accounts belong to me and should remain on my credit report.
Consumer complaint received 2024-04-03
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: Experian Information Solutions Inc. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-01-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2024, I deposited {$40000.00} check into Chase business account titled XXXX XXXX XXXXXXXX XXXX XXXX which is I own this business account. On XX/XX/2024, Chase bank closed my business account because they suspects the potential fraud and cant verify the person who wrote this check. Chase bank insists to verify this person with cellphone, I gave this persons phone number to Chase, they told me this phone number isnt under this person name. I bring this person to Chase bank with her two ID, one is XXXX XXXX XXXX driver license ID, another one is XXXX passport and try to verify this person with Chase who wrote the check to me. Also I provided my XXXX bill to Chase shows that this person current phone number is under my family plan. However Chase ignored all my legal documents, they told me they wouldnt release {$40000.00} to person until they verity person with cellphone number. XXXX would not be able add another person name on my account. And XXXX told me all cellphone numbers are recycle. During the last XXXX days communication, Chase told me beginning they didnt receive any check, the check was missing, they asked me to filed complaint report at XXXX XXXX , and then they told me theyre holding the check wouldnt give me back until they verified this person with cell phone number. I really need the justice and help from CFPB!
Consumer complaint received 2024-01-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (OH)

The debt collector failed to send communication regarding the debt, introduction of who they are, what the debt is for, and my right to dispute. They just appeared on my credit report without notice. They must abide by the regulations and validate the debt. This has not been done. How did this debt collector, even have access to my credit report without the proper protocols and regulations?
Consumer complaint received 2024-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC (KY)

CFPB : My mortgage is serviced by AmeriHome Mortgage Company LLC. My taxes and insurance are paid by AmeriHome through an escrow account. AmeriHome has not paid my City of XXXX ( Kentucky ) taxes, which were due on XX/XX/XXXX. I have called numerous times and each time they tell me that they will pay it. To date, it has still not been paid. I have checked with the City on this and they have not recieved anything from Amerihome. My last phone conversation with AmeriHome was today and it made me me realize that they have not been proactive on this issue at all. The last payment they attempted to the City was rejected. To my knowledge, they did nothing to investigate why the check was not accepted and never contacted me to let me know. Had I not received ( yet another ) delinquent tax notice from the City, I might have let this go on even longer without realizing my taxes have not been paid. It is incredibly frustrating to rely on such an incompetent company to pay my taxes. I spent an hour on the phone this morning with them, which is an hour I have to take away from my own workday. Additionally, they are transferring my mortgage to a new company, XXXX XXXX, and I got the feeling that they do not care about my tax issue since I will no longer be their account come XX/XX/XXXX. Lastly, I did tell them that I'm filing this Complaint.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I mailed out letters to all ( 3 ) major credit bureaus, following FCRA Section 609, which provides me, a consumer the right to dispute any inaccurate information on my credit report. Correct name, address, and phone number. 

If the credit bureau finds any errors, then the credit bureau must remove them within 30 days and notify me, the consumer. If the credit bureaus can verify the accuracy of accounts, correct name, address, and phone number, the credit bureaus still must notify me, the consumer. 

The FCRA Section 611, provides me, the consumer with permission to follow up and refute accounts deemed verified. This requires the credit bureaus, to reinvestigate these unverified accounts and remove them after 30 days. 

Following FCRA Section 623 deems it a violation to Report information with actual knowledge of errors. The consumer, 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. 

I am contacting you concerning old and outdated information that is appearing on my credit reports. According to the Fair Credit Reporting Act ( FCRA ), negative information can only appear on my credit report for 7 to 10 years, depending on the item. These are the items in question. 

I request you verify and remove any old and outdated accounts. Once you have completed any corrections, please send me a new credit report reflecting the updated information. 

As I have not heard back from you in over 30 days regarding my notice of dispute dated XXXX XXXX XXXX and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt exists. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : I understand that under U. S. C. Sec. 1681i ( a ), the credit bureaus must complete this investigation within 30 days of receipt of this letter and send me the updated report showing your compliance with the FCRA Laws and METRO 2 Reporting Standards as well as these accounts removed.
Consumer complaint received 2024-01-25
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: P&B Capital Group, LLC (AR)

Ive previously submitted a complaint with this company about it being on my credit report and the information being inaccurate. In their response they stated that they no longer owned the account # XXXX and the original creditor was not reporting the account to the credit bureaus anymore. Ive disputed on XXXX XXXX and P & B Capital Group responded to XXXX XXXX that the information they provided was correct and it was not removed from my report. You can see P & B Capital Group state in the complaint # XXXX that the account # XXXX I spoke of is no longer being reported. I disputed the account through XXXX XXXX on XX/XX/2024 and have several times since. They have not sent me information of the debt owed and they still give inaccurate information to XXXX XXXX.
Consumer complaint received 2024-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MO)

SIGHTING ALL IN ACCURACIES WITH ACCOUNTS ON MY REPORT AS WELL AS THE LAWS CORRESPOND. REMOVE ALL ADDRESSES EXCEPT CURRENT ADDRESS. REMOVE ALL ADDRESSES CONSIDERED 'NON MAILABLE'- PRIVACY ACT 1974. REMOVE ALL CHARGES OFFS. CHARGEOFFS ARE ACONSIDERED A CERTIFICATE OF INDEBTNESS WHICH MEANS IT IS INCOME AND IT MUST BE REMOVED. REMOVE STUDENT LOANS FROM CREDIT CONSUMER REPORT PER THE FAMILY AND EDUCATIONAL ACT OF 1974. ITS ILLEGAL TO REPORT TRANSACTION HISTORY. UPDATE AS PAID AS AGREED. REMOVE PROMOTIONAL INQUIRIIES SUCH AS PREAPPROVALS AND ETC. THE RIGHT TO OPT OUT 15USC 6802.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (CA)

In Accordance with The Fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 
I told the Early Warning Services to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX : Account # XXXX : Account name : XXXX XXXX XXXX XXXX : Account # XXXX : Account name : XXXX XXXX XXXX XXXX : Account # XXXX : Account name : XXXX XXXX XXXX XXXX : Account # XXXX : Account name : XXXX XXXX : Account # XXXX.
Consumer complaint received 2024-04-03
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. (NE)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS. 
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
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

The three credit reporting agencies ( XXXX, XXXX, Equifax ) have not properly investigated my disputes. In most cases, they have either not investigated my disputes at all, or, simply relied on what the creditors have told them with no documents to support verifying the disputed accounts. XXXX and XXXX have also prevented me from submitting online factual disputes. 

I repeatedly requested details from my investigations, but I was not provided with the information. I have not received information regarding their methods for investigating my disputes, who they contacted, or any information that supports their opinion that these accounts are reporting accurately. The bureaus are verifying my inaccurately reporting accounts as accurate without conducting proper and legal investigations. 

These are violations of my rights. 

I submitted disputes for the following accounts, for various inaccuracies, but the Credit Reporting Agencies ( XXXX, XXXX, Equifax ) have illegally returned these disputed inaccurate accounts as verified. They are violating my rights and I want them to stop. 

XXXX  # XXXX - Credit reporting agencies ( XXXX, XXXX, Equifax ) are updating this account even though it is closed. On at least one of my reports, ( XXXX ) the CRA is reporting 30 chargeoffs after 2018 the year the account was closed!!! There should be no activity reporting after an account has been closed. This is a serious violation of my rights and needs to be addressed. 

XXXX states, " our role is to review accuracy and completeness of any disputed item '', but they have not done this for me. They are not performing their legal role. 

XXXX XXXX # XXXX XXXX Account. Credit reporting agencies, report this account without credit limit and highest balance. Illegally verifies account, stating it is accurate. 

XXXX XXXX # XXXX I disputed for inaccurate payment history. CRAs verified account with no explanation. They did not provide proof such as furnishers bank statement or my payment history from furnisher. 

XXXX XXXX XXXX Disputed for inaccurate payment history. Account disputed was returned as verified with no proof or explanation. The CRAs only relied on the opinion of the furnisher with nothing to support it. 

XXXX XXXX XXXX The CRAs are reporting activity on this closed account.
Consumer complaint received 2024-01-27
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: RoundPoint Mortgage Servicing LLC (TX)

I was out of the US from XXXX XXXX 2023. On XXXX XXXX 2023, during my absence, my loan was sold to Roundpoint Mortgage Servicing XXXX. At about the same time my home insurance was cancelled without my knowledge. During this time, I received no communication from Roundpoint. Upon my return in XXXX and discovery of the cancellation, I immediately notified Roundpoint and worked with them and my insurance agency to immediately reinstate the insurance. 

Roundpoint has since purchased lender-placed hazard insurance retroactively for the past period when the insurance was cancelled. This insurance is significantly higher than going rates in the market. I would happily purchase my own insurance at a more reasonable rate if it were possible to purchase insurance for a period in the past. 

I believe this action by Roundpoint violates federal laws related to forced-insurance. I was never notified in a timely manner that I would be subjected to forced-insurance and when I did receive the notice, it was several months after making it impossible for me to take corrective action.
Consumer complaint received 2024-01-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

I have an installment loan for my solar panels. The loan is for XXXX years and im trying to pay it off early. Dividend Finance wont apply any extra payments to the principal. Any extra payment is processed like a regular payment and interest is paid before any principal is paid. My regular payment is {$210.00} per month. In addition I pay {$200.00} a month that I want to reduce my principal but they wont apply the entire extra amount to the principal.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CORELOGIC INC (SC)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS FIRST PREMIER ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from FIRST PREMIER WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2024-01-27
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (MD)

On XX/XX/2023 I had an appointment with Wells Fargo at the branch address XXXX XXXX XXXX XXXX, XXXX Maryland XXXX to open up a trust checking account. I submitted my trust to the banker and the XXXX department confirmed that the trust can be opened. The trusts name is XXXX XXXX XXXX ministry trust. As we were going through my personal information I told them that I was a non resident alien of the United States. The banker said this should not be an issue because the trust was already verified. As the banker was on the phone with the department that handles these matters he was told that they do not open any accounts for sovereigns and that the account can not be opened. The banker was surprised because hes done trusts with non XXXX citizens before but apparently he said this is a new rule. I believe this is discrimination because the account would have been opened if I was a citizen. This should not matter to opening a bank account. I gave them all the information that was needed and they accepted this until I said I was a non resident alien. This is unacceptable and very unprofessional.