davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (DC)

I am in the process of refinancing my mortgage and need all three credit reports. I had frozen all three of my credit reports and had no trouble unfreezing them except for Experian. Not sure what the problem is, but every time I try to unfreeze my account, I get the response " unable to process as our records show you have already requested that your freeze be temporarily removed. '' This started on XX/XX/22 and that has been the response I have been getting all week. Except that the account has not been unfrozen and my mortgage company has not been able to access my credit report. 

I have called all the numbers I could find for Experian, but none of them put you in touch with a live human being who can help with this problem. In fact, the numbers run you through several phone trees and then hang up on you. Also there is nowhere on their website where you can contact them and ask for assistance. 

I pushed so many buttons on the phone, I ended putting a fraud alert on my account which I did not want to do. But I could not find a way to remove the fraud alert either. 

This is not just a problem for me, but a systematic problem for consumers. I hope your agency will look into this and help me reach someone at Experian or have someone contact me. I am praying that my refinance efforts do not fall through. Thank you. 
XXXX XXXX
Consumer complaint received 2022-09-28
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. (NJ)

I have been affected by XXXX XXXX XXXX and was on Forbearance. I have agreed to sign a partial claim with XXXXXXXX XXXX and I am supposed to resume making monthly payments from XX/XX/2022 onwards, however, XXXXXXXX XXXX reported that I am past due by 30 days to Experian/ XXXX XXXX XXXX It is a violation of the CARES ACT as mandated by both the Federal and State governments of the United States. This wrong information has tanked my Credit Score by XXXXpoints. 

I have filed a dispute with Experian, however, they have marked my Dispute as " Completed '' even after submitting all supporting documents. They have not taken requisite action nor they have validated the documents that were submitted.
Consumer complaint received 2020-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

We originally purchased our residence on XX/XX/XXXX. Shellpoint Mortgage Servicing became the servicer of our mortgage which included an impound account for property taxes and insurance. On XX/XX/XXXX, we refinanced our loan through XXXX XXXX  XXXX which also included an impound account. {$6900.00} for 8 months estimated property taxes was withheld at closing. Subsequently Shellpoint repurchased our loan and we made our first payment on the new loan to Shellpoint effective XX/XX/XXXX. On XX/XX/XXXX, we received a notice from XXXX County that we were in default on property taxes which were due no later than XX/XX/XXXX, and that penalties had been imposed. That day I called and spoke with a Shellpoint customer service rep who advised me to scan the notice to Shellpoint and that the arrears property taxes and penalties would be paid by Shellpoint. I did scan the document on XX/XX/XXXX and received an autoresponse. I again emailed Shellpoint on XX/XX/XXXX and received an autoresponse. However, the XXXX County records are still showing the past due taxes and penalties remain unpaid. Further, my impound account only reflects deposits made from monthly payments and not the amount withheld from escrow.
Consumer complaint received 2022-12-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The ITEMS listed below are reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} ; XXXX  XXXX Bankruptcy Date XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-11-16
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2021-11-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Coinbase, Inc. (TX)

On XX/XX/XXXX, I transferred {$100.00} worth of IOTX crypto ( XXXX tokens ) from XXXX to my Coinbase account. IOTX was trading much higher on Coinbase so I wanted to sell from their platform. I have made plenty of transfers in the past and they normally take 10min to an hour to process. After appx 6 hours and not receiving the transfer I began to XXXX what the issue could be. I found a XXXX page with people expressing their same frustration regarding the exact same situation ; transferring IOTX from XXXX to Coinbase. The consensus was, the money was lost. I first reached out to Crypto who immediately responded saying, Upon checking your account, I can see that your withdrawal request was completed on our end. With that being said, please contact the Coinbase support team for further investigation in a case that you haven't received your IOTX tokens yet.

So I then reached out to Coinbase and received this response.

It appears this transaction was performed using a network that Coinbase currently does not support. Since we dont support this network, the funds did not arrive in your Coinbase account and we do not have the ability to recover these funds. 
So although token transfers are permitted, and both sites used the same IOTX code, somehow my tokens ( real money ), were lost into oblivion. Coinbase went on to say they recommend transferring a small amount first to make sure it works. I am honestly not sure how money can just disappear, and not just for me, but for enough people there was even a XXXX thread about it.
Consumer complaint received 2019-11-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (NC)

Syn/Walmart account number XXXX is reporting to XXXX  that I owe  {$1100.00}. The problem is, I spoke to an agent at the bank and he could not give me the date of first delinquency. He mentioned the date the account was charged off as XX/XX/XXXX. According to his / their bank records they are saying the account should fall off the credit reporting agencies like XXXX, XXXX  and XXXX in seven years on XX/XX/XXXX. However, this is not valid if the " date of charge off '' is months or even a year from the very first date I was late and/or missed a payment and never did get caught up. Therefore, this account could fall of my credit report as early as NOW. The bank can not and will not give me the proper information of delinquency, thus reporting this account to XXXX, XXXX and XXXX as incorrect and making this account more damaging becasue it acts newer when trying to receive credit from business.
Consumer complaint received 2021-11-16
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service (FL)

I was hospitalized for XXXX during the time earlier this year. I have contacted XXXX XXXX Card to ask for a reconsideration of the late payment being annotated on my account due to my situation. XXXX XXXX has stated they do not correct any issues that are reported on credit report.
Consumer complaint received 2021-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX account # XXXX disputed several times over 2 years, each bureau is reporting it differently, allowed creditor to report 90days past due every month, with different last active dates, different reporting history, and last payment dates, but came back verified each time, the credit bureas have violated my rights and allowed incorrect information to be reported on my report for 2yrs
Consumer complaint received 2019-11-22
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (WA)

XXXX XXXX XXXX threatened to file charges on my for fraudulent check writing and stated I would get 3yrs in jail if I didnt settle immediately for {$350.00}. Yet the never sent any Identifying info so debt can be verified. They only contacted by email no phone contact.
Consumer complaint received 2021-11-16
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: Experian Information Solutions Inc. (GA)

XXXX XXXX  account # XXXX disputed several times over 2 years, each bureau is reporting it differently, allowed creditor to report 90days past due every month, with different last active dates, different reporting history, and last payment dates, but came back verified each time, the credit bureas have violated my rights and allowed incorrect information to be reported on my report for 2yrs
Consumer complaint received 2021-11-16
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (WA)

I have contacted XXXX 's on three occasions in an attempt to dispute a charge for {$220.00} for a fraudulent charge. Each time I was told that it was being disputed and found out today that it was not being disputed or researched.
Consumer complaint received 2021-11-16
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: Experian Information Solutions Inc. (GA)

XXXX visa/XXXX XXXX XXXX  account disputed multiple times across each bureau came back verified, but each bureau is reporting information incorrectly as has done for almost 2 years, has allowed creditor to put incorrect information on my report in violation of FCRA, have disputed this multiple times
Consumer complaint received 2019-07-26
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. (NC)

XXXX XXXX pulled my Equifax report on XX/XX/2017. XXXX XXXX issued a letter on XX/XX/XXXX saying they would remove the inquiry. Equifax was provided a copy of the letter after 30 days went by and the inquiry not being removed. Equifax stated XXXX XXXX did not file the removal correctly and they can't remove with a copy of the paper letter so I am filing a complaint against both companies.
Consumer complaint received 2021-11-16
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: Experian Information Solutions Inc. (TN)

I called XXXX XXXX  who is the one who reported on my credit. They said they charged off the account it was sold off to XXXX. XXXX sent me something in the mail to settle the debt with a one time payment which I paid XX/XX/XXXX. I then filed a dispute with Experian to get it fixed. XXXX XXXX  rejected my dispute, so I then sent more information to Experian. Documentation from XXXX showing the account from XXXX XXXX was paid and I now have a XXXX balance. XXXX XXXX refused to still update my credit, saying I still owed the money. I should have just kept my money if I knew they were going to do this. You would thing Experian would see that it was paid and fought harder to get it taken care of but they arent either. XXXX XXXX  is still hitting me credit as of XX/XX/21 with negative feedback. I dont know what else to do!
Consumer complaint received 2021-11-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. ()

COINBASE. I have been using this app to trade with virtual currency and after using it for several months this message appeared suddenly : " YOUR ACCOUNT IS CURRENTLY BEING REVIEWED AND WE NEED SOME TIME TO VERIFY YOUR INFO. DURING THIS REVIEW, YOU WON'T BE ABLE TO USE COINBASE. REVIEWS GENERALLY TAKE A FEW DAYS, SO SIGN IN EVERY DAY OR TWO TO CHECK YOUR STATUS '' It has been over three months ( not just a few days ) that i havent been able to use my account therefore I can not get my money back because my account is always being reviewed. This company, COINBASE, is reviwing my account after it had already been verified and properly working, so now I do not have access to my money. Do please help me to get my money back because they are my savings. If I can not use the app I should be able to get back my money so please I would very much appreciate your help. It is not the first time they block my account.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (CA)

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 2021-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (VA)

Fifth Third changed my mortgage payment amount as a result of an escrow adjustment and did not notify me either via mail, email or on their own payment portal. I continued to make the payments in the old payment amount as that continued to be reflected in their portal and I had no knowledge of the XXXX dollar change Fifth Third did not credit any of the payments made to them since the amount was XXXX dollars lower than they expected to receive I found out only when I applied for a loan from my local bank and they told me that I was late making payments to Fifth Third. I showed the local bank the payments made electronically out of my account to Fifth Third but it still resulted in my being denied the loan. 
Contacting Fifth Third to try to sort out what happened was a months long nightmare I was told repeatedly everyone was " working from home because of the pandemic and some things had fallen through the cracks '' by one employee who promised to resolve this and told me I would hear back via phone from a supervisor which never happened. I continued to call and ultimately was told they had not credited the payments because of the escrow change and had held all of the payments I made in some sort of unclaimed funds account, waited a certain period ( I was told 30, 60 and 90 days by different employees ) and that they had then mailed the money back to me via check.

I have to date received NO checks Fifth Third acknowledges they were never cashed So essentially they have my money ( somewhere between XXXX and XXXX XXXX dollars given their portal and lack of communication it is not super clear to me when they stopped crediting payments I was making )
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 2021-11-16
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. (GA)

Total visa account disputed multiple times across each bureau came back verified, but each bureau is reporting information incorrectly as has done for almost 2 years, has allowed creditor to put incorrect information on my report in violation of FCRA
Consumer complaint received 2021-11-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On Wednesday, XX/XX/XXXX I checked my account and my balance was about {$900.00}. It didn't showed my direct deposit pending so I thought this was my balance before my direct deposit. I made a BoA credit card payment on XX/XX/XXXX of {$900.00} to be paid on XX/XX/XXXX. On XX/XX/XXXX my account went in overdraft. Bank of America charged me XXXX transactions with overdraft fees of {$35.00} each for a total of {$210.00}. Between this time Bank of America didn't send me an alert by email or text that my account had insufficient funds. Have I known, I would have deposit the money before XXXX and I woulnd't be charged {$210.00} in overdrafts fees. I went to Bank of America online and diging throughout the website ( take in consideration that they made the website more difficult to navigate ) I found that my email was " underivable '' but I still had my cellphone number and I never received a text either. When I called Bank of America on XX/XX/XXXX, I spoke with XXXX and I explained that in the mobile app doesn't show that there is something wrong with the email. I explained everything I'm saying in here, her response was that I'm still responsible for the fees and the the email alerts are a courtesy from the bank and I shouldn't relay on the alerts. Really? Very convenient for BoA. The problems is that Bank of America App doesn't show the same that online banking. How am I supposed to know something is wrong when I'm doing my do diligence?. I believe this is what happened : 1 ) Bank of America App showed my balance wrong, the direct deposit entered my acount but it showed the balance and not the transaction pending. I did the payment relying on this balance to be true. 2 ) There is something wrong with Bank of America App, showing no issues with alerts nor email. 3 ) Online banking shows my email is " underivable '' but the email is correct, so there's some technicals issues at the back end that needs to be resolve, meanwhile hundreds of clients are getting ripped. How am I supposed to solve an issue that I'm not aware of? 4 ) There is not a standarized procedure for communication. How is it possible that I received email for some things like Bill Pay and text for Credit Card deals, but at the same time for alerts with my same email is " underivable '' and no text received. If email doesn't work, then text should. No, it didn't happened either way. 

I have been a client of Bank of America for almost 15 years. I don't overdraft. I take evry single precautions for this but I can't do my job if Bank of America doesn't do theirs. Have I known my account was low, I wouldn't make those payments. Have I known that there is something wrong with my email, I would have try to fix it but I can't fix Bank of America back end issues. Is very convenient for Bank of America to have these issues meanwhile they are ripping clients with overdrafts fees.
Consumer complaint received 2016-02-07
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (TX)

I received a free credit report. I noticed Chase mortgage has been making inquires into my credit every month for the past 2 years. However, I have never applied for credit with Chase for a mortgage.I have called and spoke with representatives who have said I did n't know what I was talking about and I must be confused. I asked for a manager to call me back but no manager has.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Consumer Portfolio Services, Inc. (TN)

The car with CPS was repossessed after XXXX XXXX bankruptcy they sold the care settled the debt. I don't owe the charged off balance due. I want to dispute this off my record
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately XXXX-Date of inquiry XX/XX/2019 XXXX-Date of inquiry XX/XX/2019