davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TENET HEALTHCARE CORPORATION (NC)

I 've tried to dispute this information with the credit bureau as well as the company and was provided the same resolution which was nothing. There are XXXX medical bills on my account from SYNDICATED OFFICE SYSTEMS. XXXX of the accounts is not even mine its under my daughters name which had XXXX and it was covered. The second account is also a medical bill that was paid in full by the insurance company and they still sent it to collections. After numerous attempts to the company they refuse to delete the collection as it clearly shows paid in full with no balance. This is beyond frustrating as it is affecting my credit score and report which is hindering me from receiving future credit.
Consumer complaint received 2021-03-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CO)

Since XXXX  I can't sell on coinbase, I can buy and convert, but can't sell or transfer to wallet. I've emailed/called them about 15 times since then. They emailed me back once saying the problem was fixed, well it's not, and I never talked to a real person. When I go to sell it says my account is restricted. They're costing me tons of money and now I'm looking for legal action.
Consumer complaint received 2022-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I deposited a check of XXXX. Chase bank held this amount from avaliable funds, however the check still posted on the day it was received. Chase then decided to charge insufficient funds for transactions that were made ( and did not go over the XXXX ) after XX/XX/XXXX. Even though the check shows deposited before the transactions were made.
Consumer complaint received 2016-04-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

On XXXX XXXX, XXXX Nationstar sent me a letter requiring proof of my condominium unit owners insurance. My agent, XXXX XXXX forwarded that information to them. On XXXX XXXX, XXXX Nationstar sent me a letter titled, " PROOF OF INSURANCE RECEIVED. '' Beginning XXXX XXXX Nationstar increased my monthly mortgage payment by approximately {$400.00} claiming that my escrow account was short the amount that was required to pay for the insurance that my agent proved I had ( and their letter dated XXXX/XXXX/XXXX confirmed ). I did not pay this new mortgage amount ; instead, I paid the amount that I had been paying, {$2000.00}. For both the XXXX XXXX and XXXX XXXX payments Nationstar continued to charge the extra {$400.00}. I did not pay that money. For both of those months I paid my normal amount, {$2000.00}. Today, XXXX XXXX, XXXX I tried to pay my mortgage in the amount of {$2000.00}. Nationstar would not allow me to pay because they claim that I owe over {$3000.00}. On Thursday, XXXX XXXX, XXXX and Monday, XXXX XXXX, XXXX I spoke on the phone with representatives of Nationstar who assured me that they would take care of this matter. The person I spoke with on XX/XX/XXXX said that it would be taken care of within 2 business days. The person I spoke with on XX/XX/XXXX said that it would be taken care of within 5 business days. This has not happened.
Consumer complaint received 2022-12-22
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: ARVEST BANK GROUP, INC. (OH)

I had filed XXXX  XXXX in XXXX and paid I to it for 2 years. I paid well.over the amount I had filed for. In XX/XX/XXXX, my attorney had asked for payments to be stopped since I had paid way over. The courts dismissed the XXXX  XXXX and I made a payment to the mortgage co to.be back on track,, they took the payment and the next month I went to make a payment again and they advised me they could not take my payment because I was in foreclosure. The, Arvest Central Mortgage is not wanting to work with me on making my payments. This is an ongoing problem with Arvest. I have been In My home for 15 years and can not afford to walk away. Nor can I afford to.pay lawyers to take my case. Everything else was paid off in the XXXX  XXXX and the mortgage as well.
Consumer complaint received 2022-12-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2016-04-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (GA)

I have been in a 30 year fixed loan for 18 months. Within the 18 month period my payment has changed twice. Once it was lowered by {$300.00} and this month it was raised by {$1000.00}. The mortgage servicer says the escrow account was in deficit and to restore the deficit they increased the mortgage payment. The mortgage servicer explained that this was due to a change in taxes and the deficit in the escrow account ; however, I feel like an 80 % increase in mortgage payment is unreasonable and that there could have been better and earlier communication to hedge against such a large impact. Upon closing on the mortgage the escrow account was in order and my mortgage includes fees for taxes and insurance. I want to verify that the mortgage servicer is treating me fairly ( i.e., did they make a mistake that I am paying for now ) and that they acted in good faith to service my loan. I would also like to better understand my options in this situation.
Consumer complaint received 2022-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-12-21
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: DISCOVER BANK (NC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2022-12-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC. (MI)

XXXX sent an email saying they are closing all debit card account. I tried to login. I can't. I emailed them to request they liquidate my account and return my money to my XXXX account. They are trying to force me to sign a contract with a different company in order to get access to my account. I DO NOT ACCEPT THAT CONTRACT. I DO NOT AGREE TO THE TERMS OF SERVICE AND WILL NOT CLICK I AGREE TO SOMETHING I DO NOT AGREE TO. They are trying to force me to share my ID with a company that has nothing to do with my bank. My identity has already been stolen and uploaded ID copy used to open other accounts because of you!!!
Consumer complaint received 2022-12-21
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: TD BANK US HOLDING COMPANY (PA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-10-23
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (IL)

XX/XX/year> Vanilla Gift card Visa, You can make an initial transaction on the gift card but they will make you leave a balance and deny additional transactions to leave money on the card and make it so difficult to use and give no recourse but to leave it. It is just theft of money. Vanilla Gift card should process all transactions and allow access to all funds until the balance is XXXX.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO. (IL)

I recently submitted a complaint against chase journey credit monitoring. They sent this lengthy email that said absolutely nothing. They said in there response to the last complaint they unenrolled me on XX/XX/XXXX but as I XX/XX/XXXX I just received an email alert from them. I want I be unenrolled and the emails and alerts to stop this time truthfully.
Consumer complaint received 2024-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2022-12-06
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. (CA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-14
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: Security Credit Services, LLC (PA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX SecurityCred XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 fumish a account without my written instructions
Consumer complaint received 2021-01-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

After a having a look at my recent credit report I noticed thatXX/XX/XXXX, XX/XX/XXXX & EXPERIAN are reporting I was late paying my XXXX credit card ( XXXX - XXXX XXXX ) for the month of XXXX and XXXX. There is also a report of me being late on my XXXX XXXX credit card (XX/XX/XXXX ) on XXXX. I have always paid these accounts on time and I have never been late! If anything there is a chance that my payments did not clear by the statement date and if I was late, with the pandemic and lots going on with my family 's health, I innocently forgot to make a payment. 

I've never received a reminder for my payment or any notifications for a past due amount which I was unaware of. I also tried to reach out to the creditors mentioned above to rectify my concerns but was unable to to get in contact by phone or mail. I also sent dispute letters to the credit reporting agency and received no response so I had no other choice but to file a dispute with the CFPB. 

This is such a disappointment in our credit system that the bureaus will treat consumers like this, even with the pandemic going on, I expected some sort of system in place. I have a family to provide for and need a loan to help pay for our basic human necessities
Consumer complaint received 2022-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have contacted this credit bureau in regards to incorrect and improper reporting on my account. I initially submitted my complaint on XX/XX/2022 to XXXX, Transunion and XXXX. After I submitted my complain via the CFPB, I was asked to provide documentation to verify my identity in which I did. I sent these bureaus 3 different sets of copies to verify my identity via certified mail and the first two we're unsuccessfully received. My last set of verification documents was sent off last Monday yet all agencies have closed my complaint without removing this information that doesn't belong to me. 
The credit bureaus 's stated that my account has was properly investigated but how can that be when I've been a victim of identity theft and this information doesn't belong to me? I've submitted a Identity Theft Affidavit along with this complaint stating this information. 

This is grounds for removal under the following : 15 USC 1681c-2 -a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

All of these requirements have been met and still this inaccurate and incorrect information is being reported on my account.
Consumer complaint received 2022-12-22
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. (KS)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2022-12-22
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: EQUIFAX, INC. (KS)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2022-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

Union Bank broke contract with me and stopped my access to the credit card I was paying on. I no longer have any access to any of the money I'm paying on the card. Since I no longer have a " product '' to use, I am refusing to pay for what I can't use. 

If the bank that services my mortgage came and threw me out of my house, that same bank should not expect me to continue making mortgage payments on a house I can no longer live in. With a credit card, it's the same difference. If I can't use the card, I'm not making payments. 

In a letter dated XX/XX/2022 sent out by priority mail with confirmation, I demanded that Union Bank cease and desist making any further contact with me regarding the card account ending in XXXX. Since this date, Union Bank representatives have violated the law by making further contact with me by phone and mail several times. 

Union Bank needs to face the fact that they made a big mistake and deal with the consequences of that mistake, and cease sending any letters regarding this case.
Consumer complaint received 2022-12-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (IL)

XXXX XXXX   increased my interest rate from 10 % to 29 % with no notice whatsoever on my XXXX  Credit Card. My minimum payment increased 200 %. I want my interest rate changed back. This change occurred just between my XXXX billing statement and my XXXX billing statement. I have emailed them multiple times, and called, since I received no notice whatsoever.
Consumer complaint received 2024-11-01
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct those accounts immediately.
Consumer complaint received 2024-09-18
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. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
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. (NC)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-23
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. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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