davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (TX)

This email is being sent with the hope of resolving a major issue that we currently have with a XXXX XXXX XXXX Back in XXXX of this year we ordered a new home through the XXXX XXXX XXXXXXXX. We placed an order for a home direct from the factory in XX/XX/2021. The home was delivered to the dealership at the beginning of XX/XX/2021. Both ourselves and our general contractor made it clear to this dealership that our property was not ready for delivery and set up. However the dealership went ahead and delivered the new home on our property XXXX of XXXX and it has been parked there ever since. It was only blocked up and left due to the fact that none of the utilities were available to be hooked up to yet. Just this past week our general contractor finally got clearance to install a sewer system. Just a few days ago Vanderbilt Mortgage called us and told us our mortgage is already due. We explained to him that the house is only parked on our property and that no installation has been done. Vanderbilt Mortgage then told us they were told by the dealership that the house was transported and ready back on XX/XX/XXXX, which was a obvious lie. The house is just sitting on our property. We were told by the dealership that once the house was completed and ready to move into, our mortgage payments would come 2 months later. The reason we chose to have a XXXXXXXX XXXX is because I work for a company that has purchased many of these homes. They are very high quality and well built homes. However this dealership has lied to us. They made the promise that once our home was ready and that we took the keys, the first mortgage payment would not be there until 2 months later. Now we're paying two mortgages because our current house is not sold yet and our new home is not anywhere near being ready to live in yet. Let me make it quite clear both I and our general contractor made it clear to the dealership our land was not ready for that home and we told the dealership to keep it there at their lot until our lot was ready. However Vanderbilt Mortgage has been told that the house was moved, set up and ready on the XXXX of XXXX. It would appear the dealership was in a rush to get it off their lot so they could have funds in their account. This is an obvious breach of our agreement with the dealership. We are wishing for your immediate attention into this situation. Again I must emphasize that we still have faith that this is a quality home but it's not in our possession yet so why are we paying for it already? It also must be noted we don't even have the keys or any access to this home. Thank you for your time and attention to this matter.
Consumer complaint received 2022-12-02
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. (IL)

This complaint is not a duplicate complaint. 
I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
Re : XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove this account from my credit report immediately! 
Please send the following information used to verify the validity of : The name of the original creditor The creditors address and telephone number The persons name they verified the dispute with The documentation used to verify the dispute In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681. Account name : XXXX XXXX XXXX ; 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15U.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 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 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 any consumer reporting agency if the person knowns or has reasonable causes to believe that the information is inaccurate. 
PLEASE NOTE, THAT I'M NOT USING ANY THIRD PARTY FOR THIS MATTER, I represent myself by myself.
Consumer complaint received 2024-01-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA (MO)

I am writing to file a formal complaint against Marcus ' savings, a financial institution under your jurisdiction. I am deeply dissatisfied with their recent actions concerning the closure of my savings account, which has left me without access to my funds and with no satisfactory explanation for the account 's closure. 

I became aware of the account closure when I attempted to access my account and found it inaccessible without any prior notification. To my surprise, Marcus ' savings had closed my account without providing any reason or notice. This abrupt closure has resulted in me losing interest on the significant balance of {$40000.00} that was held in my account. 

I have made multiple attempts to contact Marcus ' savings to seek an explanation for the account closure, as well as to inquire about the process for retrieving the remaining balance in my account. Regrettably, my efforts have been met with uncooperative responses, as they have consistently refused to provide any information regarding the closure, the timeline of events, or the steps I need to take to resolve this matter. Each time I called, I was simply told, " no. '' I believe that Marcus ' savings ' actions are not only inconveniencing me but also raising serious concerns about their transparency and adherence to regulatory guidelines. As a consumer, I have the right to receive proper notice and an explanation for any account closure, as well as assistance in retrieving my remaining funds. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter promptly and take the necessary actions to ensure that Marcus ' savings complies with all relevant laws and regulations. Specifically, I seek : An explanation for the closure of my savings account. 
The immediate release of the remaining balance in my account. 
An assurance that Marcus ' savings will adhere to proper notification and communication procedures in the future.

I appreciate your attention to this matter and hope for a swift resolution to this issue. Please find attached copies of relevant documents, including account statements and any communication with Marcus ' savings. 

Thank you for your assistance in addressing this complaint. I look forward to your prompt response.
Consumer complaint received 2023-01-22
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: Experian Information Solutions Inc. (MS)

In Accordance with Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX and 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 2 : It also states a consumer reporting Agency can not furnish an account without my written instructions. It also has another violation having late payments being reported on my account ... .15 USC 1681- ( 2 ) ( A ) ( I ). ( 2 ) EXLUSIONS ( A ) subject to section 1681s-3 of this title, Any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Which means it's a Violation of the FCRA to report " Late Payments '' as that is a transaction. In 15 U.S.C. 1681a definition ( a ) the term " Consumer '' means an individual and ( b ) term " person '' means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. I have been violated by the credit bureaus and this is hurt my credit and this causing me to be denied credit. And I want these accounts removed immediately!!!!
Consumer complaint received 2019-12-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

XX/XX/2017amount $XXXXThis debt is in my credit report since XX/XX/2017, this debt is not the owner .... I have contacted this collection agency ... I still do not respond ... I ask you to invest this account because I am not the owner of it ... please I hope your cooperation immediately ...
Consumer complaint received 2019-12-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc. (CA)

I settled this debt with Progressive management Systems and was sent a letter showing that they would remove this collections from my XXXX credit report. They have still not removed it. This impacting my credit score greatly and my ability to live my life.
Consumer complaint received 2019-12-12
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. (TX)

Experian is refusing to remove a fraud alert. They say I gave them the wrong social security number when I requested it be removed. That is not true. I triple checked my forms for accuracy. I am in the process of refinancing my mortgage and they are holding up the process.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

I sent a complaint asking Experian, XXXX, and XXXX to investigate my accounts. Her is the complaint ID XXXX, XXXX, XXXX. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - Experian, XXXX, and XXXX have XXXX  days to investigate and send me results. 

And they also didn't even record the current status of the disputed information which is another violation.
Consumer complaint received 2021-07-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (IA)

Dates and times of phone calls from Comenity Bank to my personal cell phone - a total of 56 phone calls in 14 days. These calls are listed as being originated from the following locations and numbers : Comenity Bank XXXX XXXX  XXXX, KS Comenity Bank XXXX XXXX, OH Comenity Bank XXXX XXXX, OH XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX These calls are logged in my cell phone call history and with my carrier.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (GA)

I recently received a copy of my credit report and noticed that XXXX has been reporting my account 30 days late TWICEin XXXX for XXXX & XXXX. I dont ever recall being late on my XXXX account. I have tried to resolve this issue but no avail. I have tried to pull up my statements via their customer portal however it only shows you 13 months of statements. I have requested proof of this account being late and have not received the proper verification. As you can see the damage this is causing and continuing to cause by causing further damage to my credit worthiness. XXXX has reported this false information against me.
Consumer complaint received 2019-12-17
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: Experian Information Solutions Inc. (MI)

CHECKED MY CREDIT REPORT AND NOTICED THESE FRAUDULENT ACCTS.    XXXX XXXX XXXX    Account Number: XXXX****   date opened XX/XX/XXXX  amount $XXXX XXXX XXXX XXXX  ACCTS    Account Number: XXXX**             date opened XX/XX/XXXX  amount  $$XXXX    XXXX    Account Number: XXXX****      amount $XXXX date  :XX/XX/XXXX   XXXX  XXXX    Account Number: XXXX****     date opened  XX/XX/XXXX    amount $XXXX XXXX    Date of inquiry: XX/XX/XXXXXXXX XXXX XXXX    Date of inquiry: XX/XX/XXXXXXXX    Date of inquiry: XX/XX/XXXXXXXX XXXX    Date of inquiry: XX/XX/XXXX
Consumer complaint received 2019-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (TX)

Because of their security breach Equifax consequently was ordered to pay {$100.00} to individuals or offer credit monitoring services. I already had and still currently have credit monitoring services and I do not wish for Equifax to handle credit monitoring services on my behalf based on their last " fiasco ''. They issued me check number XXXX which I have not cashed in the amount of {$12.00}. 

Equifax has arbitrarily gone against my decision to be paid {$100.00}. They have decided for me that they are only paying me {$12.00} ( an {$87.00} ) difference than what they were told to do. They did the same thing to my husband and he was told because he did not have credit monitoring services they only paid him {$12.00} ( this also was not true ) and they completely disregarded my daughter and did not issue {$100.00} or {$12.00}. This company, and credit reporting agency, apparently is doing whatever it feels like doing AGAIN. 

I want my check for {$100.00} period. They can not and will not force me to do business with them beyond what is already required.
Consumer complaint received 2022-05-27
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. (TX)

In accordance with the fair credit Reporting act XXXX XXXX XXXX # XXXXXXXX XXXX  XXXX BANK XXXX, and XXXX XXXX BANK XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (AZ)

The chase credit card gave an offer " 20 % Cash Back on XXXX purchases- {$51.00} max '', applicable from XXXX to XXXX. I made a transaction on XXXX and after multiple follow-ups they say I am not eligible to receive the cashback. 

I added the offer to my card on XXXX. I made the transaction of amount {$290.00} on XXXX at samsung XXXX The invoice is also dated XXXX ( attached with the complaint ), however because of unknown reason XXXX XXXX the charge on XXXX. The supervisor on chase customer care says I am not eligible and there is nothing he can do. I told him it's not logical because I authorized the purchase within the correct timeframe. I have an invoice of the correct timeframe, so why am I not eligible? He didn't respond to this and said is there anything else he can help with.
Consumer complaint received 2021-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This company, XXXX XXXX, is inaccurately reporting late payments to my account, during a Covid 19 forbearance plan. I have contact the company multiple times and they will not update the information. 

They have been contacted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and their claims resolution company refuses to update the status of my account. 

I have also disputed this information with TransUnion and XXXX, who will not update the status either.
Consumer complaint received 2022-12-18
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)

THIS ACCOUNT WAS PAID IN FULL AND WAS NEVER LATE. THEY TOLD ME THEY WOULD CORRECT THIS PROBLEM AND IT'S BEEN MONTHS. THEY ARE STILL REPORTING DAMAGING INFORMATION ON MY REPORT.
Consumer complaint received 2023-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Seattle Service Bureau, Inc (NV)

XXXX XXXX XXXX has been frozen, and I am no longer able to purchase or return items. My account was frozen because National Service Bureau incorrectly connected this debt to my name and my account. 

The debt is my ex-wifes, and the debt was incurred XXXX XXXX XXXX XXXX XXXX was finalised. We have never shared a XXXX XXXX, and this purchase and debt did not occur on my account or in my name. 

I have attempted to contact the company to resolve this, because they are damaging my credit and putting financial strain on myself by now making it impossible for me to shop at XXXX. 

They cant legally harass me for someone elses debt.
Consumer complaint received 2021-12-13
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. (FL)

I am filing this complaint against Equifax, XXXX and XXXX for inaccurate reporting on my credit reports. On XX/XX/2021 under the Fair Credit Reporting Act, I filed a dispute with each credit bureau where I sent a copy of my Title to my Car and a letter from XXXX XXXX showing that my account has been paid in full. Neither credit bureau updated my report to show that this account has been paid in full. Upon completion of the dispute the credit bureaus decided to ignore my Title and the letter submitted and continues to report this account as Open and with a balance. The credit bureaus are supposed to report accurate information in accordance with the Fair Credit Reporting Act. I provided a copy of my Title and a copy of a letter showing my account with XXXX XXXX has been satisfied there is nothing for the credit bureaus to do but report this account correctly and/or remove it from my credit files. It should not be this hard to get the credit bureaus to follow the law.
Consumer complaint received 2024-03-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (AL)

We deposited USD dollars into our CoinBase account ( business account ) and exchanged it for some XXXX. We then moved most of our XXXX to our cold storage wallets. We later had our account with CoinBase frozen around XX/XX/XXXX and were told to verify our idenity which we did. We were asked to provide our XXXX and other business related information which we did. We were told that on XX/XX/XXXX our account would be unlocked. 

That time came and passed. We where later told that the business account that we had was in fact not a business account. That it was a personal account and inorder to make it a business account we would need to pay CoinBase XXXX XXXXXXXX. We declined and requested to move our assets off the platform. Our account was not unlocked. We called back a week later and where told to wait 7 more days. We called back again and were told someone needed some answers to some questions, and where emailed a questionnaire which we filled out and sent back to CoinBase and to be given 48hrs for the account to be unlocked. We called back again and where told that they could not state when our account would be unlocked. We then escalated our support ticket to a formal complaint with CoinBase and informed them that we needed our assets unlocked. We then were told to wait XXXX more days. Now we have been contacted asking us to open a business account and that they do not know when they can restore our account, we have told them again we do not wish to have any accounts with them, only wish to have our assets removed from there platform and wish to cease any business with them. We have been repeatably told by CoinBase that we need to wait 7 days to call in for them to say they have no ability to tell us when an account might be unlocked and that someone will reach out to us, for us only to have to call back in 7 days later for them to tell us that we need to wait another 7 days. We have waited since XX/XX/XXXX to be able to move/send any of our assets nor can we add any funds or withdraw any funds from our account as well. Our choice it appears is to wait an indefinite amount of time for the account to be unlocked or pay $ XXXX to them to now open a business account ( which we where told we already had one open with them ) to now open another with them and maybe in that regard have access to our funds. We have moved all assets and handling of our corporate assets to another company and cold storage wallets and can no longer deal with or wish to deal with CoinBase.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: OLD NATIONAL BANCORP (IN)

I have been trying to get the balance on my checking account for years now and the bank claims it was closed in XXXX of 2009 when I used it after that in XXXX to pay my bursar account at IU. I also gave them a film script I wrote that was made years later and would like my XXXX dollars for it. Along with my investments and earnings from that.
Consumer complaint received 2021-12-13
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. (TX)

Company is reporting a balance when the account has been charged off. Account is also reported as closed and with a past due balance. account has been re aged. Account has not been verified and the XXXX in Texas expired. I also submitted verification to the creditor and the credit bureaus, and it has been more than 30 days with no response for the 3rd time. Account is violating my credit rights and reporting inaccurate information.