davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Better Mortgage, Inc. (WA)

I refinanced my mortgage with Better Mortgage ( better.com ) in XX/XX/2020, and after closing, they instructed me to set up a new account with XXXX XXXX XXXX XXXX XXXX XXXX their servicing partner. My first payment in amount of {$1400.00} was due with XXXX for XX/XX/2020, and I made the payment in full on XX/XX/2020. 

After I made the payment to XXXX, a notice came in mail from XXXX XXXX that the servicing would be transfer from XXXX to XXXX XXXX. 

Also on XX/XX/2020 just after I made the payment to XXXX, there was an email from Better Mortgage Servicing regarding the transfer. In the email from Better Mortgage Servicing was the instruction : " If you have already paid XXXXBetter for the month of XXXX, we will pass your payment on to the new servicer and you can expect to see it post by the tenth of the payment month. " So, I expected my payment would be transferred to XXXX XXXX. 

The {$1400.00} I paid to XXXX was not posted to my XXXX XXXX account after the XXXX of XXXX. I emailed Better Mortgage Service inquiring about it. XXXX XXXX, Mortgage Expert at Better Mortgage replied and said that my payment was in process of being transferred, and that they had been advised by XXXX that these payments should be processed by XXXX XXXX and posted to the account by Monday XXXX XX/XX/2020 ). 

Today is XX/XX/2020. The {$1400.00} I paid to XXXX is still not showing up in my XXXX XXXX account, and my XXXX account shows paid-off with XXXX balance. After some more email correspondences with XXXX, they've apologized for the delay, promised to escalate the issue and let me know what was happening. Yet my {$1400.00} is still missing and I don't know where it is, and there is no update or follow up from XXXX. 

I'm very unhappy with Better Mortgage and their partner ( s ) that they transferred my loan with short and inadequate notices and further more lost my money. They have made promises that my payments would be posted by certain date on several occasions now, and yet I still don't have my money. 

I would like to know where my {$1400.00} is and get it either be posted to my XXXX XXXX account as a payment or refunded to me immediately. 

Please see the attachments for my loan and accounts information. Thank you.
Consumer complaint received 2021-01-16
Product: Credit reporting, credit repair services, 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. (GA)

XXXX I retrieved a copy of my credit report and discovered multiple inquiries that I have no knowledge off. I had called equifax to file a dispute for unauthorized inquires on my credit report. Equifax told me that they're factual and they will remain for 2 years. I told equifax I didn't apply and then I asked can you please investigate this matter.
Consumer complaint received 2021-01-18
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)

XX/XX/XXXX, I disputed the way Equifax reported on a collections account that I have been paying every month. Therefore, the balance is decreasing every month. The balance is currently {$15000.00}. Equifax 's report reflects a decrease in credit score whenever a payment is made and reported on this collection account as if this was a new collection item. The score drops between 18 and 23 points when this happens. I will continue to pay on this collection account. My credit report should not reflect a decline in my score whenever I make a payment each month. I disputed this situation with Equifax on XXXX/XXXX/XXXX and when I made my XX/XX/XXXX payment, Equifax did not show the decrease in my balance from {$15000.00} to {$15000.00} and decreased my score on XX/XX/XXXX by 18 points with no other negative activity on my report. This report is about Equifax and the way in which their program is unfairly and inaccurately reporting on payments made on collections accounts. There is nowhere in the FCRA that allows for this kind of Credit Bureau action/inaction in response to positive behavior. It is scoring my report as if a negative action took place or as if no positive action had taken place. This is a design, programming or other flaw in the system that needs to be addressed. The people involved are myself and Equifax. No individual has identified themselves from Equifax in their response or lack of response. They promised a response by XX/XX/XXXX regarding this matter and NOTHING has happened. Nothing changed. Their response is still pending. Today is Monday XX/XX/XXXX.
Consumer complaint received 2023-06-28
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. (FL)

Why do you keep on closing my complaints saying that you already processed my earlier complaints about my problem? I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am asking an assistance to REMOVE these fraudulent items on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2021-01-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have attempted to contact Bank of America on numerous occasions regarding an account that has been reported as a collection account on my credit report for the past 90 days and continue to have the same issue not be resolved. I have explained to their representatives that the account was included in a Chapter XXXX in XXXX and needs to be updated. Each time the account rep notifies me that they have logged the case to be reviewed by their credit department and once completed I will receive a letter in the mail with the results. Unfortunately, I have yet to hear back from anyone at BofA. 

I called again on XX/XX/XXXX and was left on hold for over 30 minutes only to have the call terminate. I continue to provide information to their call center representatives to log the dispute and unfortunately I never hear back. This afternoon I learned they never even updated my contact information from any of the calls I have placed I have explained the error in the reporting to be a violation of FCRA laws and needing to have this remedied but seems that no one in the organization I speak with takes any of my claims to be valid or serious.
Consumer complaint received 2021-01-17
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: EQUIFAX, INC. (CA)

XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like the credit bureaus are taking advantage of me by ignoring my disputes I took time to send them. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you cause me. My information was impacted by the XXXX  data breach and may have got into the hands of the wrong person.This is my second time complaining about these false information they are reporting. im tired of it.
Consumer complaint received 2023-06-28
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. (NJ)

- XXXX, Date Opened : XX/XX/XXXX REPORTED TO XXXX, last day of payment XX/XX/XXXX Collection account with a pass due amount showing {$200.00} - XXXX XXXX, Date Opened : XX/XX/XXXX reported to XXXX, last day of payment not reported, BALANCE {$200.00} - XXXX  XXXX, Date Opened:XXXX reported to EXPERIAN, last day of payment not reported, BALANCE {$200.00} -ALL THESE 3 COMPANYS APPEARS TO HAVE DIFFERENT NAMES REPORTED TO MY CREDIT BUT IS ONE COMPANY ALL TOGETHER AND THEY ALL SHOW BALANCE AND HIGH CREDIT OF AN AMOUNT {$200.00} -dates do not match
Consumer complaint received 2021-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like the credit bureaus are taking advantage of me by ignoring my disputes I took time to send them. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you cause me. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person.This is my second time complaining about these false information they are reporting. im tired of it.
Consumer complaint received 2021-01-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I have previously filed a complaint through CFBP on XXXX XXXX XXXX the complain ID : XXXX about Coinbase company and the fact that they have locked my account for 33 days now and not only they respond very rarely but when they do they claim that the documents I provided them with are not accurate which I strongly reject and I will send you a screen shot of what they asked and what I provided to find out who is not doing the job right. 
I held around 3 BTC with Coinbase and I was a day to day trader. However they locked my account based on a false claim that my account was logged into from a prohibited country and ever since for some reason they kept ignoring me and my documents which proves they are wrong. 
The reason I am resubmitting a complaint again is because they asked me to provide them with 1- A bank statement not older that 30 days. 2- A utility bill not older than 30 days. 3- Government issued ID.

So I sent them 1- A full PXXXX XXXX statement dated XXXX. 2- Electricity bill dated XXXX. 3- XXXX passport. 4- XXXX driving licence. 
All containing what they asked for which is my name and my current address and bank details and etc. 
Surprisingly the E mail I received instead was : ''The documents you provided was older than 30 days and you did not provide your ID '' I am so frustrated with their customer service and I would like you to have a look at what they requested and what I sent to them. 
Please help me as I feel helpless and I think Coinbase intend to hold on to people assets for as long as possible Coinbase the price of Bitcoin is sky rocketing.

They do not care to correspond well with me as a customer and do not care if I have family and need to look after their well beings. 
Please help. Thank you. XXXX XXXX
Consumer complaint received 2021-01-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate items on my credit report. 45 days later I have not received a response. I am extremely frustrated and feel ignored and dismissed. Section 611 ( a ) states that a failure to investigate these items within 30 days is a reason to immediately remove these items from my credit report. It has been 45 days. These items should be deleted. I demand that these items be deleted or I will file for litigation. I am a victim of the Equifax data breach and I am doing everything that I can to have inaccurate information removed from my credit report.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Resurgent Capital Services L.P. (PA)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore and such debt, in fact therefore exists
Consumer complaint received 2021-01-18
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. (NV)

On XX/XX/2020, I contacted the Three Major Bureaus concerning Chapter XXXX Bankruptcy reported on my credit report. The Bureau sent me a letter, stating that they received the information from the United States Bankruptcy Court, District of Nevada, yet I received a letter from the Bankruptcy Court that they did not send any information to the Three Major Bureaus, therefore they are reporting incorrect information ( see attach ). Also they stated that they receive the information from XXXX XXXX, yet I contacted XXXX XXXX and was told that my account was frozen ( see attach ). Therefore when I requested proof to accuracy of Bankruptcy, the bureau could not provide me that information, and it's been well over the allotted 30 days that the bureau has to validate ( no verified ), according to the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and are in violation of several of the General Rights and Obligations of XXXX, including XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX and XXXX XXXX.
Consumer complaint received 2021-01-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

After reviewing my credit report, I noticed some inaccurate accounts reporting. Especially accounts that were removed that should be consistent and removed from all three credit bureaus. I also noticed some student loans that were reporting that I have no knowledge of. They are duplicate accounts too, this is hurting me and it isn't fair. Please help me remove these negative and unauthorized items from my credit report. Enclosed are photos of my ID and a utility bill for address verification. In addition, I uploaded letters that I sent to the credit bureaus over 40 days ago. I haven't gotten an update on results nor have I even got a response.
Consumer complaint received 2022-10-28
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. (AL)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Society Business Services, Inc. (AZ)

Tried to verify account they had wrong address associated with account from different state i dont live and never lived Ive always had medical insurance with the state I live in I was a victim of identity theft and had other accounts deleted of my credit report due to inaccurate information
Consumer complaint received 2021-01-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (MI)

I received a letter back in XX/XX/XXXX saying I had to pay this debt of some $ XXXX dollars. I called NCB and was told this was an online loan taken out in my name back in XXXX. I had never received any letters about this debt until NCB contacted me in XXXX and they are a 3rd party debt collection service! The bank who allowed this fraudulent loan be given out never even contacted me themselves! Not once! Whoever did this had all of my personal information. The lending company says they never asked for a copy of my ID. They still gave out a loan to internet hackers regardless. NCB told me to file a police report and send it in and they would remove this fraudulent account. I did that and not only did they continue with collection efforts they reported this fraudulent account to all 3 credit bureaus! I had excellent credit until they did this to me. This is wrong on every level! Why did I even go through all of the hassle of going to the police department and sending in the information they requested if its not going to change a thing! On XX/XX/XXXX NCB sent me a letter saying they received my dispute and said " After conducting an investigation we have been unable to substantiate the allegations in your dispute. '' I need help!!! This is not right. I will get an attorney if need be. Please help. I will never pay a debt that is not mine. This is unfair. I pay my bills and debts. My credit is ruined because of this. NCB ensured me not to worry and send in the police reports and it would be done. They continually lie over and over. Please please help. Thank you so much. 

Sincerely XXXX XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-06-28
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: Experian Information Solutions Inc. (TX)

You responded to complaint XXXX and stated that the company verified the account. I have attached my most recent dispute letter that was sent to the company which is dated and time stamped. Please provide what the company submitted as proof for this account because I was never sent any information. I am demanding that this account be removed from my credit report until an investigation is done and the company has responded to my dispute.
Consumer complaint received 2021-01-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE (NY)

I, XXXX XXXX entered two timeshare agreements on XX/XX/2020, entitled XXXX XXXX XXXX XXXX with the provider XXXX XXXX XXXX XXXX XXXX. Per the terms of the agreement, I requested to cancel the timeshare on XX/XX/2020, within the allotted five ( 5 ) business days. The request was made per instructions of clause seventeen in the timeshare agreement entitled " XXXX XXXX '' via a certified letter, signed and notarized. It was faxed and sent via email to my appointed point of contact for XXXX XXXX XXXX de XXXX XXXX XXXX and XXXX XXXX from XXXX XXXX. 

XXXX XXXX assured me that I was in the right of my contract and that the timeshare would be canceled. Soon after our conversation, I received numerous calls from XXXX XXXX XXXX XXXX XXXX sales representatives pleading with me to downgrade my package instead of canceling. After much debate, I was assured my request would be granted and would cancel the timeshare. Leading up to the cancelation of services, contact between myself and the quality assurance representatives seemingly ceased. Despite numerous calls, voicemails and emails, I was no longer able to contact XXXX XXXX nor XXXX XXXX. 

I filed a claim twice with Barclay Cards ( whom I opened a credit line with XXXX XXXX XXXX XXXX  XXXX to purchase these timeshares ). Barclay cards denied my request twice, despite all my documentation from the company agreeing to cancel the timeshare agreement and reimburse all monies paid. I am now receiving notifications daily. My account with Barclays card is delinquent, and y credit has significantly dropped ( 77 points ) despite a perfect payment and credit history aside from this matter. 

I am writing with a request to cancel these two timeshare agreements and relinquish myself and others from this unfair, fraudulent practice.