davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

I am XXXX after suffering a XXXX  XXXX. I have difficulty with XXXX  communication and Shellpoint mortgage first completely refused to communicate in email/writing with me. " it takes too long to type answers ' was the response. I believe this is a violation of ADA laws? 1 ) they did not notify me that my forbearance period ended in XXXX. 2 ) their website still shows I am in forbearance and will not accept payment or partial payment ( I have recorded all of this ) 3 ) continued emails and communication on their site was completely unanswered over the months since covid hit and they reported me as late to credit bureaus when I was in forbearance 3 ) the representative assigned to me now Mr. XXXX is completely dismissive of my medical condition and literally sent me an email 'good news, your request for forbearance extension is denied '. How nice of them. I had provided no information so how do they deny this? 4 ) they were to allow me to put the missed payments at the end of the mortgage and now they say they can not do that and I owe over {$6000.00} to bring it current and avoid foreclosure. My ex husband still appears on the mortgage in spite of his part being dismissed in his bankruptcy and shellpoint will not remove him in spite of a legal obligation to do so. 

I have had this mortgage since 1997 and have endured much hardship but have restored my credit and now face this. It is unconscionable to me that they won't ' even allow me to make payments online and all but insist I talked via phone in spite of my XXXX to do so. They are requiring I mail a check ( which I don't have as all my payments are always online ) or send a XXXX ( which I don't feel is secure and have seen money disappear for 90 days in that system ). Seems I'm not the only one as I see they are at the top of the complaint list every month. This company should not be in the mortgage business.
Consumer complaint received 2020-12-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX my rent check of {$700.00} was taken out of my account. Directly after that there a NSF taken out of my account as well of {$35.00}. Well the problem with that is there was still {$51.00} left in my account after the {$700.00} came out. Actually after they took the {$35.00} NSF FEE I still had {$16.00} and some change left in my account. So how could I possibly be charged an NSF FEE when there were still funds left in my account after the FEE. NEXT again that was my rent check so I have now racked up {$170.00} in fees due to this illegitimate NSF XXXX! I I Specifically asked for a letter for my front office to see i was not responsible for the money being returned. A letter stating BANK OF AMERICA was in fact at fault ... I have been given the run around about that. As if they can't just email or fax a letter to my front office especially after they admittedly wrongly denied my payment. Admitted this on 2 different recorded calls. After all this stress and XXXX XXXXXXXX I just want my letter stating their error OR for them to cover these fees I've been responsible for due to their ERROR.
Consumer complaint received 2017-04-02
Product: Credit card — 
Issue: Application processing delay — 
Company: CITIBANK, N.A. (CO)

I have applied for a CITI simplicity card on XX/XX/2017 & it took 10 business days for CITI to pull the credit report and process further. Later they sent a letter stating they tried to contact me but they could n't reach out to me. I reality I never ever received any call from them. They asked for additional documentation like utility bill & Pay stubs in a letter that I received from them in the mid XX/XX/XXXX. When I contacted the customer care they said I can even email the additional documents to XXXX and I sent it on XX/XX/XXXX. On XX/XX/XXXX when I contacted again they said they do n't accept the documents thru email and they only have to be faxed and they have to pull the credit report again. Unnecessarily they pulled my credit report and gave all wrong information and never specified that the credit reports expire every 30days. On XX/XX/XXXX when i talked to the customer care representative supervisor he asked me to fax the documents and they will pull the credit report again which came as a shock to me. I do n't get what took them so long to process the application and then they provided all wrong information and now they are saying they will pull the credit report again.
Consumer complaint received 2024-03-04
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: Experian Information Solutions Inc. (FL)

Upon reviewing my XXXX, Experian and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2023-01-26
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN 08XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc. (CO)

I have been customer of Victoria Secrets for XXXX  years. when i went to pay online it prompted me to reapply. The inquirie needs to be removed. I called VS and spoke to a supervisor by the name of XXXX who said there is nothing they can do and dispute it with my credit bureaus. I am not understanding why they are unable to remove this hard inquiriy since it was there website having issues and i have been a member for XXXX  years. I actuallly had to call in and pay because their system wasnt recognizing me as an existing customer
Consumer complaint received 2020-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On Sunday XX/XX/2020, my access to my account has been denied abruptly, and with no warning or explanation. 

Its now Friday XX/XX/2020, and still have no access. I have been getting rejected payments for bills on autopay and there is plenty of money in the account.
Consumer complaint received 2020-12-17
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: Experian Information Solutions Inc. (AR)

This credit reporting agency failed to provide proof of their investigation of all inaccurately listed bankruptcy filing. I have not received any bankruptcies petitions showing my signature. 

enclosed is a letter from my court clerk showing that I do not have any bankruptcies filing in their record. 

The FCRA evinces Congress 's intent that consumer reporting agencies, having the opportunity to reap profits through the collection and dissemination of credit information, bear grave responsibilities, 15 U.S.C. 1681 ( a ) ( 4 ), to ensure the accuracy of that information. The grave responsibilit [ y ] imposed by 1681i ( a ) must consist of something more than merely parroting information received from other sources. Therefore, a reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations contemplated by the statute.
Consumer complaint received 2023-05-20
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. (MI)

I have disputed numerous times with all three credit bureaus and the negative information from XXXX XXXX XXXX is still reporting inaccurate information on my credit reports and I keep getting notifications that this account is reporting accurate this is in violation of FDCPA please remove from my reports immediately
Consumer complaint received 2018-03-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (IL)

I have purchased {$34000.00} of Bitcoin, Bitcoin Cash, Ethereum, and Litecoin on www.coinbase.com to trade. Simultaneously, I am starting a coffee lounge business and needed to sell my coin. When I tried to do so on XX/XX/XXXX, I encountered this message preventing me from selling : " Account Restricted. You are currently unable to buy and sell digital currency on Coinbase. Please visit https : //support.coinbase.com for assistance. '' I contacted them multiple times via phone and email and they have refused to inform me of why my account was restricted because they are waiting for a nonexistent " specialist '' to work with me. Many other people have had this same issue with Coinbase 's shady business tactics and they recommended that I contact the government. 

Since this point, my coins ' values have plummeted significantly, and I have been unable to get my money back which has put me into a desperate situation with my startup company. I have wasted almost a month of expensive XXXX business rent waiting for someone to take my account off restriction, and have delayed my opening date. XXXX is absolutely awful for not communicating and dealing with my inquiry in a timely fashion. I need my coin back immediately!
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

XXXX had my correct address which was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
They decided to change it this month to a false address which was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is false. 

They credit agency and irs contacted me to notify me of what they did.
Consumer complaint received 2023-07-17
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. (GA)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2020-12-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

I typically prefer to pay bills by check, however occasionally it is necessary for me to pay a bill online, either with a credit card or by entering my bank account info. Once the payment is made, I always delete the payment method from the website so that it is not saved. Since 2013, I have paid my mortgaged, serviced by PennyMac, with a mailed check. However, about a year ago, I was not able to get check in the mail in time, and have never had a late payment so I paid online with my bank acct. I selected the ONE TIME PAYMENT button. After payment made, there was not a way for me to delete my bank acct. I could only edit it or add a new acct but not delete. I called Penny Mac and they explained they have it set up like this on purpose so they will have a payment method on file for future payments. Since I requested it be removed, they did so but it took a couple of days because the request had to be submitted to a separate department. 
I am experiencing the same problem again now, however, Pennymac is REFUSING to delete my bank account information. I have made multiple requests in writing ( since XXXX XXXX through Pennymac 's message center on the website, as well as several verbal requests over the phone. At first my requests were answered with instructions to delete the account myself, although the DELETE button that I was instructed to click, does not exist on the loan holder 's end. Apparently it is visible to the Pennymac staff but not to me. I even sent a screen shot to the manager of the customer service department, showing that I did not have the delete option the manager and several reps have mentioned. Now, I am being told they WILL NOT delete my account info even though I have requested this multiple times. XXXX, a PennyMac Loan Specialist tells me through the message center that this is a benefit to me and to " please rest assured your information is secure and safe. '' Is it legal for PennyMac to continue to obtain access to my bank account even after I have requested it be deleted?
Consumer complaint received 2023-05-29
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. (NC)

My name is 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 2020-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

My phone was taken at night on XXXX, with that my debit card and ID were taken. My passcode ID on my phone was my birthday which my ID ( which includes my Birthday ) was located on the back of the phone. Following that there was transactions of {$4300.00} between XXXX and XXXX. I never authorized these transactions as I did NOT have possession of my Phone, Debit Card and ID. I called bank of America immediately in the morning when they opened to report this. That is when they explained to me there was all these transactions taken, which I instantly denied. Bank of America then informed I would then have my money within two days. I reached out again on XXXX as I was still very nervous and then was informed that perhaps this investigation would take longer, and I would then be given my credit back on XX/XX/XXXX. Then today at XX/XX/XXXX Bank of America rejected my claim. They rejected on the fact that since the XXXX transactions could only be done on my phone, thereby only I was the person that was authorized to do it. I explain HOW, if I clearly did not have my phone. Now today XX/XX/XXXX, Bank of America claims I never told them I did not have my phone. LIES!!! That was the first thing I mentioned when I called on XXXX early in the morning. I had to verify who I was based on mother 's maiden name, and log in. Since I could not verify my identity via a text ( since my phone was taken ) and I could not verify the numbers on my ID ( since it was taken ). I NEVER AUTHORIZED this. Any normal person who saw these transactions would instantly see it as fraud. I reported this ASAP to bank of america. Bank of America claims to have a {$0.00} liability when reported, as well as Regulation E requires it within the first 2 days. I reported this within hours. Again I did not have my Phone, ID or Debit Card itself. Bank of America is refusing to return my money that was stolen, after representatives at first assured me I would be returned this.
Consumer complaint received 2023-05-29
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting Act XXXX  XXXX  account # XXXX XXXX  account # XXXX, XXXX account # XXXX XXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX/XXXX  account # XXXX XXXX/XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX account # XXXX XXXX/XXXX  account # XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX  XXXX account # XXXX XXXX  XXXX account # XXXX XXXX  XXXX  account # XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX 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
Consumer complaint received 2023-03-20
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. (TX)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-17
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I disputed an alleged bankruptcy as inaccurate with Trans Union. I reached out to the Original Creditor which is the " US Bankruptcy Court Of XXXX '' and THEY RESPONDED BACK STATING THAT THEY DO NOT VERIFY BANKRUPTCIES WITH ANY CREDIT BUREAUS. 

XXXX was also unable to verify this alleged Bankruptcy so THERE IS NO absolute way that Trans Union is Verifying this alleged Bankruptcy ... Because these are the two ways That Trans Union Claimed to have verified the alleged bankruptcy. 

In light of the recent changes to the FCRA ( FACTA ), consumers now have the right to go directly to the original creditor and ask for proof of negative information. 

I've attached the Bankruptcy Court Response and XXXX response also stating they couldn't verify the bankruptcy. 

This is a violation of the FCRA Also a violation Of the FDCPA
Consumer complaint received 2017-07-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (GA)

XXXX XXXX XXXX ( XXXX ) debt was deleted/removed from all 3 of my credit reports ( XXXX, XXXX, and XXXX ) in or around XXXX 2017. However, the debt was reinserted on my reports in XXXX of 2017 with new origination dates. XXXX didnt not notify me of reinsertion. As required they were suppose to send me notice within 5 business days of the reinsertion.