davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Coinbase, Inc. (CA)

I made a deposit from a bank account into my Coinbase account. On the confirmation screen ( before clicking submit ) it said specifically that my funds would be available within " 48 hours '' to withdraw. Therefore, I proceeded to submit.

After the funds were confirmed to be available in my Coinbase account ( the next day ), the Coinbase web site proceeded to tell me that my {$250.00} deposit would not be available for " 27 days. '' Not only are they freezing / holding my funds for no reason, but it's very different than the availability that I AGREED TO before clicking submit.

This is unacceptable to me. I reached out to Coinbase via support e-mail. They seem rather uncaring. I was told that it would be forwarded to a specialist and may or may not be resolved. It's been three days now. There is no follow-up and no resolution.

I am looking forward to having this resolved as soon as possible, as well as an apology from Coinbase.
Consumer complaint received 2023-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (AZ)

To my surprise I received a deliquent tax notifcation for my XXXX second half of my property tax. I was so surprised because I've never experienced this before. My mortgage company was bought out by a company I have never heard of called Selene XXXX in XXXX of XXXX. I reached out to them back in XX/XX/XXXX and notified them and they kept giving me the run around and transferring me to someone else. I called the Property Tax division at XXXX multiple times and spoke to XXXX and she told me that they will be sending a payment. 6 weeks have passed and they yet to pay my past due property tax. I reached out to them again and they gave me a run around. I show they deducted {$1300.00} on XX/XX/XXXX from my Escrow account to pay the past due property tax, however XXXX County Treasurer has yet to receive payment. I have been working directly with XXXX XXXX from XXXX County at XXXX and she confirmed again today they have not received payment. We were both on the phone with Selene Finance for 2 hours and they still do not know what happened to the check that was sent out. XXXX advised them to reissue and wire the funds otherwise if payment isn't made by XX/XX/XXXX a lien will be applied to my home. I am astounded how Selene Finance forgot to pay and then removed money from my escrow and it's been a month and they don't know where my payment is. I have been on the phone with this mortgage company for several hours for over 6 weeks and nothing is resolved and they do not take this seriously. XXXX from XXXX County told me that this mortgage company she has never heard of however she said she read the reviews on this mortgage company and it appears they forget to pay property taxes of others. They don't put an effort to pay my property taxes. I don't know what to do at this point. They purchased my Mortgage last year and it's been a horrible experience. Is there any way I can transfer to a diffferent Mortgage company without having to refinance since the rates have increased?
Consumer complaint received 2018-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XX/XX/2018 I contacted TransUnion about a dispute and incorrect information being reported on my credit report by XXXX XXXX. I was informed that XXXX XXXX verified the incorrect information and that I could submit another dispute. I contacted XXXX who said they contacted TransUnion to verify that they received the reporter payment history. My problem is that XXXX claims they have reported my payment history to TransUnion and TransUnion says they only have what is shown on my credit report. XXXX with XXXX said that when they contacted TransUnion they verified that the correct history had been reported. I already filed a complaint against XXXX but Im not sure if the issue is with XXXX or TransUnion now. I am in the process of a mortgage application and XXXX has agreed to advise my lender of my up to date payments and the pay off of the balance. I need my credit report to reflect the correct payment history.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 I AM A VICTIM OF IDENTITY THEFT.
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have had an account with XXXX XXXX that started in XXXX, XXXX. I made a payment on XXXX/XXXX/XXXX confirmation # XXXX and they never took the money out of my account and then hit my credit with a late mark. 

I have attached a letter from my bank stating that they never tried to take money out of my account in XXXX of XXXX and that my bank never declined a payment to XXXX XXXX I never changed account numbers or anything and I made payment from the same account I have saved online. 

This error is not on my part, it is on XXXX online system and I feel it is unfair to hit my credit when it is a mistake on their part. Please remove this mark from my credit immediately.
Consumer complaint received 2023-08-14
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: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than
records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2023-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: RentDebt Automated Collections, LLC (CA)

Our lease was rejected in our XXXX XXXX  bankruptcy and associated rental debt was discharged via the XXXX XXXX. XXXX XXXX XXXX sold the debt to RentDebt Automated who despite being notified on XX/XX/XXXX that the debt and lease was discharged via the XXXX XXXX still called and attempted to collect the debt today XX/XX/XXXX.
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

Throughout my history with this account, I've consistently made sure payments are made promptly, never allowing them to fall behind schedule. I find myself uncertain regarding the rationale behind the presence of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-08-14
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: EQUIFAX, INC. (LA)

On XX/XX/XXXX I sent out an FTC report along with a dispute letter regarding an account on my credit report for XXXX XXXX XXXX XXXX for {$130.00} that I have no knowledge of. On XX/XX/XXXX I received a letter stating the information sent does not match my report which were my identity documents that I sent in my social security card and Driver license. Which I cant understand how if it does not match how is it being reported to my credit report which my social is connected!!
Consumer complaint received 2018-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I can not link my capital one credit card to my XXXX XXXX account. They simply block the transaction so I cant share my information with a service like XXXX XXXX   really?
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I believe FCRA 605B mandates the elimination of erroneous entries from my credit dossier. Can you verify the records? Certain listed entries exhibit inaccuracies in reporting, including erroneous amounts and dates.
Consumer complaint received 2018-02-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC (GA)

I have a mortgage account with Cooper formerly known as XXXX XXXX XXXX., XXXX , Texas . My account number is XXXX. The company should remove the PMI under Automatic Termination clause as per Home Owner 's Protection Act of 1998. On XX/XX/XXXX when I mentioned them I reached 78 % LTV, they did not automatically terminate my PMI of {$77.00} every month. My amount of finance under modification in XX/XX/XXXX was less than the original amount financed but still same XXXX dollars was colected as PMI. On XX/XX/XXXX they wrote a letter enclosed herewith that I did not reach and the date of automatic termination is XX/XX/XXXX. Again on XX/XX/XXXX they wrote they mistakenly calculated the LTV and informed that XX/XX/XXXX is the date for removal of PMI under Automatic Termination when the LTV reaches 78 %. Now my LTV is almost 70.007 %. Still they are collecting PMI. They are fully aware that my loan was modified with XXXX XXXX XXXX XXXX, in XX/XX/XXXX and they did write these letters in XX/XX/XXXX. Still they are collecting PMI? I want CFPB to publish this and get my grevience redressed.
Consumer complaint received 2021-02-16
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. (SC)

XXXX XXXX  XXXX XXXX ( aka XXXX XXXX XXXX XXXX provided me with a letter on letterhead stating that the account was paid in full and closed XX/XX/XXXX. However, there is incorrect information on my credit report. I have disputed this information twice in XXXX and XXXX with the three credit agencies and it still shows up incorrect. It shows as '120 past due XX/XX/XXXX '.
Consumer complaint received 2023-08-14
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2023-08-14
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. (MD)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-08-13
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: EQUIFAX, INC. (AL)

I have disputed inaccuracies on Equifax, XXXX, and XXXX for years but the investigations come back accurate or incomplete. The reports show I have an auto repossession which is NOT accurate. I have asked for this to be removed numerous times. I have not received any response to ANY of my letters, I have sent the letters twice.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I keep receiving Invitations for my deceased husband to apply for a XXXX credit card. The company 's XXXX service is being supplied my late husband 's credit information from TransUnion and XXXX. I reported my husband 's death and sent confirmation in 2021 not only to XXXX when closing his account, but also to the three main credit-reporting buraus. I also placed a permanent freeze on his credit bureau accounts, so why do I continue receiving offers in the mail? Does a credit freeze and death notification mean anything these days? This has to stop, and these companies must be penalized. These nefarious practices from which they profit lead to credit fraud and ID theft.
Consumer complaint received 2023-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (NY)

I am writing to file a complaint against American Express for unfair and deceptive practices related to account cancellation and points forfeiture. 

I have been trying to cancel my American Express card ( Account Ending XXXX ) since XX/XX/XXXX XXXX Despite multiple requests, American Express has been unable to provide me access to my card, claiming they need to ship it to me first before I can cancel. It has now been over a month and I still can not access my card to complete closure as they are advising. I have made numerous calls and complaints, but the issue persists. 

Additionally, their policy states that if I cancel my card, I will immediately forfeit all my accumulated rewards points, which have a cash value equivalent of approximately {$3600.00}. This seems like an unfair policy meant to punish customers who want to cancel their card. 

By making it exceedingly difficult to access my card and close my account, combined with threats of rewards forfeiture, American Express is deliberately trapping me in their service. This is deceptive conduct that takes advantage of consumers. 

I request that the CFPB compel American Express to close my account immediately without need for the physical card, and allow me to redeem my accumulated rewards points prior to closure as is reasonably expected. American Express should not be allowed to hold customers captive via unfair policies and practices. 

Please investigate my complaint against American Express and work to stop these deceptive business practices. I have included copies of my account statements and correspondence with American Express representatives documenting the cancellation issues and points policy. 

Thank you for your help resolving this complaint. Please let me know if you need any additional information. I look forward to your response.
Consumer complaint received 2023-08-12
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$6500.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$8400.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2022-11-30
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. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, 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. 

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
Consumer complaint received 2023-08-12
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. (AR)

I am writing to formally request the removal of inaccurate and/or outdated items from my credit report, which I believe are negatively impacting my credit profile. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and correction. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (FL)

I called to cancel my service with XXXX in late XXXX XXXX, 2019, because the equipment was not working. They said they would, but I never received a confirmation. When I didn't receive a confirmation, I called again. Again, they said they would cancel my account. But they did not cancel my account. I called a third time, and mailed a letter, to cancel. This was finally acknowledged, and they canceled my account in late XXXX. However, they charged me for XXXX, even though the equipment wasn't working ( and I tried to cancel twice previously ). 

They sent the account to Credence Resource Management , LLC, and I have to continually dispute this debt. 

I sent them the evidence that I sent to XXXX in the mailed letter that finally resulted in them acknowledging my cancelation. 

They keep contacting XXXX, and XXXX says it is a valid debt. It is not a valid debt. They did not honor my cancellation until the 3rd time I contacted them. You can not charge me for what I did not agree to pay for and additionally, when service was not provided.