davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-14
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: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I dont know where to put myself in this situation thats taking place at the moment. I thought that Credit Bureaus are set to comply with the FCRA laws. But based on what I see, it seems that they dont have any fear of neglecting this kind of complaint. Pursuant to offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt. I have sent tons of dispute letters and complaints alongside my FTC report but you there at Experian are so firm with what youre doing, and thats disregarding my complaint. I reached out to the companies and talked to them about this situation and they agreed to remove the accounts from my file Is it that hard to understand where Im coming from? Common! This is not rocket science! Please comply with the law and DELETE the following accounts right away. 

XXXX XXXX, XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2022-05-23
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. (NJ)

Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Please remove it from my credit report. 
The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXXDate of inquiry : XX/XX/XXXX 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 Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-12-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BBVA FINANCIAL CORPORATION (TX)

I am being charged overdraft fees ( NSF ) when my checking account is still in the positive. 

On multi days in XXXX of XXXX. 

On XXXX XXXX, XXXX, XXXX. 

Each time my account goes less than {$38.00}, BBVA Compass applied a NSF Fee of {$38.00} making my account negative then they charge additional NSF fees for all other transaction
Consumer complaint received 2022-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (FL)

On XX/XX/2021 the servicer XXXX XXXX transferred our mortgage to Gregory Funding. 

Mortgage fraud, missing payments and failure to act accordingly with stated operational procedures outlined in CFPB bulletins. Help is needed to avoid foreclosure action by Gregory Funding. 

We have been consistently abused by Gregory Funding. The abuse has reached a point where my wife and myself are under a doctors care. My Mortgage service company, currently is Gregory Funding. The Mortgage account was transferred from XXXX XXXX, and prior Servicer was XXXX. 
Gregory Funding has failed to account for payments made when the account was being serviced by XXXX XXXX. XXXX XXXX and Gregory Funding failed to acknowledge, or allow for the Covid Forbearance, when requested and agreed to by XXXX XXXX. I, my wife, and XXXX XXXX our financial advisor have repeatedly requested a corrected statement of accounts from Gregory Funding and they have refused to provide it, calls to Gregory Funding have not resulted in our request for a corrected mortgage statement, they have refused to provide requested documents related to an unsanctioned refinance by XXXX, they have refused provide an alleged note of more than {$150000.00}. 
Gregory Funding is now threatening to foreclose on my home. They have advised that the date for starting foreclosure proceedings will begin on the XXXX of XXXX. When informed that we were going to file a complaint with the CFPB, we were rebuffed and they mocked our intent to do so. This company has a history of doing this to homeowners, we believe that there maybe a number of homeowners may have been foreclosed due to lack of due-diligence on the part of Gregory Funding XXXX Our research indicated that there have been law suits against Gregory Funding where homeowners were successful and yet we see meaningful action by the CFPB as Gregory Funding mocks and ignores the notice that we intend to file with your agency. When we called Gregory Funding they falsely claim that they are escalating the issue and we continually are connected with the same man who has no authority to act, has very little understanding of the issues at hand, and he repeatedly tells us that it is our responsibility to convince them of our claims. 
Your help is desperately needed in this matter. We are requesting that you open an investigation and require Gregory Funding to provide all requested documents and a correction of their records associated with our mortgage account. We are requesting a stop to any foreclosure action, we are requesting accountability as to our covid forbearance immediately. We believe that some form of compensation should be provided to all homeowners aggrieved by XXXX XXXX and Gregory Funding. 
We have suffered medical issues as well as paying for assistance in this matter. We are prepared to act as class action head for your agency or any law firm willing to take up such an action.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I received my reinvestigation back from XXXX and Equifax regarding this account : XXXX XXXX ACCT # : XXXX. They stated everything was 100 % completed and updated as accurate. I would like to receive the description according to 15 USC 1681 ( i ) ( 7 ). Because this account is not accurate.

There are discrepancies in the date of last activity, date reported, date opened, closing date and the date of late made payment. I have included a screenshot of my most recent consumer report from SmartCredit.com comparing these inaccuracies as well as the most recent report directly from these bureaus. They did not modify or delete the information from my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ).
Consumer complaint received 2022-05-23
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)

This complaint to XXXX was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : $ XXXX XXXX  XXXX XXXX XXXX Balance : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$4200.00}
Consumer complaint received 2023-02-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (MD)

To Whom It May Concern : Please accept this letter as a written request to dispute the following account information of items appearing on my credit report. To prevent any confusion, I have listed the item and account number below : ( XXXX XXXX, as account has been deleted from XXXX ) I am requesting that the following account be removed immediately from my credit report. I am seeking further legal advice in addition to working with a police investigator to locate the individual ( s ) who is responsible for fraudulently establishing this account without my permission or authorization. I have tried to work with your credit reporting agency as well as the credit grantor to have this account removed from my credit report. If I am unsuccessful with this attempt, I will be forced to file a suit in federal court naming your credit reporting agency, the above creditor, collection agencies, and the acceptor of this letter as defendants. 
It is my understanding that per, the Fair Credit Reporting Act, this request must be given attention and completed within 30 days of your receipt. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-05-23
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: TSC Accounts Receivable Solutions (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX ACCOUNT XXXX XXXX has violated my rights and are reporting a fraudulent account on my credit report to the credit bureaus. 

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 an account without my written instructions.

15 USC 1692g This account ifs fraudulent and can not be verified and must be deleted from my credit report.
Consumer complaint received 2022-05-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: State Collection Service, Inc. (WI)

I was told that I had to contact the insurance to get a detailed bill. I did get a shot in the knee a few months before the insurance covered it. But at the end of the year being of XXXX we switch to a new insurance. I am having a hard time keeping bills pay around the house here with one income coming into the house the way it is. 

Thank you for your time..
Consumer complaint received 2022-10-12
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 — Their investigation did not fix an error on your report
Company: Financial Data Systems (FL)

I requted XXXX to remove inaccurate reporting. Sent them copies of the request dated back XXXX with no futher updates from XXXX XXXX I loked at my credit report XXXX inaccurate accounts are still showing. 

XXXX XXXX sent improper validation Financial data ( 2 ) no response to my 30 day demand request XXXX no response to my 30 day demand request
Consumer complaint received 2022-05-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (WA)

My goal, intent and wish since repayment began has been to participate in the interest rate deduction for automatic payments. During the pauses like forbearances, that I was steered into rather than an appropriate repayment plan, the ability to participate in the automatic payment interest rate discount was wrongly dropped and discontinued. The studentaid.gov website currently says, " Talk to your servicer to enroll in automatic payments to get a 0.25 % -point reduction on your interest rate. '' As you can see in my repayment history, many initial payments were correctly set up for autopay. While I have looked into how to continue the reduction, including asking or attempting to ask about it by phone over the years, that possibility has been deflected, omitted, prevented, made impossible and/or to seem impossible, etc.
Consumer complaint received 2021-11-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Coinbase, Inc. (TX)

Money was sent to a Coinbase to purchase a cryptocurrency GYEN. After buying that stock the company shut down from selling it or trading to another coin.A coin was falsely traded to jump up And made to fall down losing thousands of dollars. While they froze my account. This is a complaint against Coinbase and Coinbase pro to refund my 50 grand spent in that stock.
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have 2 mortgages with XXXX XXXX XXXX XXXX. Both of those were set on auto pay but for some reason one of the mortgages did not process the payments. So for # 1 Auto Pay worked. For the # 2 did not. This was not issue with insufficient funds or something like that. Their system did not process the payments. 

This was unknown to me for 3 months until I received the notification from the Credit Bureaus that I am late on my loan for 90 days. When contacted XXXX they sent me to their new processing company. And they said that it was my responsibility to keep tabs on the payments and they carry no responsibility for their system not processing the payments, even though they found issues on their end. I have to say that I believe that it can not be just my responsibility as I have hundreds of bills. If auto-pay did not work, or I had to check every payment, every month, I would be doing nothing else but confirming paid bills every hour of every day. 

I received no calls, no emails, no any kind of notification that payments did not go through. 

My account has been settled and all previous missing payments have been paid off but I carry a derogatory mark. I kindly request to remove this as it was an issue on the processor 's system and not issue with me not paying it.
Consumer complaint received 2022-05-23
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. (AL)

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
Consumer complaint received 2022-05-23
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. (AL)

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
Consumer complaint received 2023-02-22
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: Bread Financial Holdings, Inc. (MO)

On Wednesday XX/XX/2023 I was notified through my XXXX app that there was a new hard inquiry placed on my XXXX account that was initiated on XX/XX/2023 by some place called ComenityCapital/Good. I did not request this inquiry and have no idea who this company is. No contact information is provided with the inquiry.
Consumer complaint received 2023-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (MD)

I paid {$4600.00} for the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX through XXXX  XXXX  starting XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX XXXX sent out and email stating the event was canceled due to XXXX XXXX, XXXX XXXX failure to provide payment for reservations. Despite several failed attempts to contact XXXX XXXX, they finally sent out an email days later stating the event was canceled and they are working to provide a sustainable credit and or refund process. I paid {$2300.00} on my Discover credit card. I filed a dispute and was denied several times. XXXX XXXX sent Discover a fraudulent contract that I never signed stating the event was nonrefundable and a credit for a future trip would be given. In my contract the verbiage states that if the event was canceled due to reasons beyond their control a credit maybe issued. Failure to submit payment for reservations is within their control. Immediately after XXXX XXXX released their statement, XXXX XXXX deleted all of our online accounts. Many of us were not able to retrieve several documents. XXXX XXXX also sent a refund request form on XX/XX/XXXXXXXX  and Ive yet to receive a refund or a credit. On XX/XX/XXXX, XXXX XXXX, XXXX XXXX filed Bankruptcy in California. Also, the trip that I was supposed to be given a credit for in XXXX XXXX XXXX was just canceled. He did the same thing to all of those people. He stole all of our money. Im requesting a credit from Discover for {$2300.00} for services not rendered.
Consumer complaint received 2022-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have been getting charged interest rates for a cash advance. I called capital one the day of the cash advance and asked how do I pay it off, and they said by just transferring the money it should be fine. I was still being charged interest rates for a couple of months. I called today, XX/XX/22 and asked for documentation as to where this information lives because its not on their website, its not in my account, its not in any source of information on the consumer side. They are saying it " could be '' in terms and conditions but they can't see my terms and conditions so they dont know. I spoke to 3 agents today who were all saying they had no documentation to share with me as to how payments are allocated, they could just mail me my terms and conditions. XXXX from capital one, agent no : XXXX was very rude as was the next account specialist I spoke with. They are hiding financial information from consumers to unfairly charge interest rates and fees that are not visible to the consumer. They could provide NO documentation or show me where this policy is notated because it is not notated on the consumer side. They are very vague in their documentation as to how you would pay back a cash advance on purpose to take advantage of their clients. I also provided screenshots of their website saying to check billing statements for our specific terms, and I have attached my billing statement where it does not show that policy at all. On the call, they tried to say the first paragraph under my billing statement shows that Cash Advances will be paid differently but it does not. It just shows that cash advances interest starts the day of purchase. They then switched and said it was in the terms and conditions that they can not see. Either way, it is clear they make it impossible for the consumer to know these terms before engaging with that service.
Consumer complaint received 2021-12-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

A third party debt collector or debt buyer must establish an assignment that the person is the owner of the debt, and if the debt has been assigned more than once, then each assignment or other writing evidencing transfer of ownership. Ownership must be attached to establish an unbroken chain or ownership- XXXX XXXX XXXXXXXX NO. XXXX. The assignment must describe the subject matter of the assignment with sufficient particularity to identify the rights assigned. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1981 ) XXXX XXXX XXXX )
Consumer complaint received 2022-05-23
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: EQUIFAX, INC. (FL)

This complaint to XXXX was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$1900.00} XXXX FEDERAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$1000.00}
Consumer complaint received 2015-09-23
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America fraudulently accepted a mortgage loan on false identity, false income earnings and information, accepted information of identity theft of deceased person ( XXXX/XXXX/2002 ) -accepting falsified IRS documents of my taxes of an employment of the company that produced the loan when in fact I never worked there. Bank of America has accepted a loan that should of never been processed because all of financial information was bogus, fraud, identity theft - the mortgage brokers were XXXX and were XXXX while doing the loan ... the loan was for {$160000.00} on a house that was not even my home and converted the home as identity theft from my deceased mother as we have the same names. The mortgage broke transferred the title and deed of the home without my knowledge or permission and attempted to transfer the title assuming this had been done during her estate upon her death. 
Bank of America has not acknowledged their mistakes and my lawyer & I discovery papers that have verified that facts remain true to this travesty of errors.