davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-08
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)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-01-26
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. (DE)

Experian allowed an inaccurate account to be furnished on my credit report. Experian did not investigate this account prior to it being placed on the account. Consumer has proof that the account should no longer be on account. This made the consumer 's credit score go down significantly, with no valid proof. 

Also, it appears that XXXX XXXX XXXX XXXX XXXX shared or furnished my personal information to another creditor without my CONSENT, which was with the XXXX XXXX XXXX. XXXX XXXX XXXX provided notice that this account was closed and that it would no longer be reflected on any credit report. This made my XXXX XXXX decrease significantly and has had an adverse impact on my credit.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-08
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: Bread Financial Holdings, Inc. (TX)

To whom it may concerns : In XX/XX/XXXX of 2019, I have created my credit card with Victoria Secret, however the credit card was never delivered that led to an unauthorized transaction that I was not aware of for a period of 120 days. I only found out about the charge and the late payment that through collector. I then agreed to paid the amount requested and ask to close the card that was never received. Victoria Secret has failed to protect customers privacy as well as preventing fraud. 

In addition, accordance with the fair credit Reporting act XXXX Account # XXXX under Comenity Bank/ Victoria has violated my rights as consumer. 


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 an 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.

Thank you
Consumer complaint received 2024-02-25
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: CrossCountry Mortgage LLC (OH)

Issue : Cross Country mortgage refusing to complete an FHA loan assumption for buyers and sellers in a timely fiduciary manner per HUD/FHA Regulation and Policy. Cross Country mortgage intentionally not following the proper procedure and timelines to complete the loan/rate assumption process by refusing to answer calls, when calls were answered, disconnecting the calls and not returning calls when they had our phone number to call us back immediately. 
On XX/XX/year> my wife and I entered into a purchase agreement through XXXX XXXX as the sellers of our home at XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX  XXXX. Our mortgage company is Cross Country Mortgage in which we have an FHA loan through. As part of the HUD/FHA ; `` All FHA loans are assumable ... qualified assumption requires the assuming borrower to qualify for credit based on current underwriting guidelines..The USDA requires that the house is in a USDA-approved area ... complete an application, provide documents, and meet the lender 's credit, income, and financial requirements to get the loan assumption approved. '' Cross Country continued to claim that buyers and sellers did not complete and signed required paperwork when we did everything that was requested. They are claiming now that we did not start the paperwork until XXXX of 2023, which is absolutely false. In XXXX of 2023, I the spouse of the seller was forced to file XXXX XXXX Bankruptcy due to the stalling of the sale of our home. The home was not included in the XXXX XXXX  because we already had a purchase agreement in place since XXXX. The Buyers have been renting the home from the Seller 's ( myself and my wife- the complainants ). Cross Country mortgage were purposely stalling due to the current high interest rates that have been between 7-9 %. We have a 3.125 % interest rate on our loan. These tactics have been reported in the news, XXXX and other social media outlets. Cross Country mortgage has a fiduciary responsibility to follow all law, policy and procedures.
Consumer complaint received 2023-02-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I was not aware of the Equifax Settlement until I received an email on XX/XX/2023, at XXXXXXXX XXXX I told the Equifax Settlement Administrator that the mail system is not secure, and you should never send money or checks through the mail, and asked Equifax to cancel the check and issue the funds via direct deposit instead. As of yet, Equifax has not responded to my request for confirmation that the check was canceled as part of its investigation into an existing issue. As of yet, I have not heard back from them regarding setting up direct deposit or sending me the direct deposit form via email.
Consumer complaint received 2022-01-02
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. (NC)

Disputed inquires by letter and on the phone but they have not been remove the below companies did not have my permission to pull my credit The inquiry 's was not authorized XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-08
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. (NE)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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  CARD XX/XX/2021 XXXX XX/XX/2021 XXXX CARD XX/XX/2021
Consumer complaint received 2023-02-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MA)

I would like to file a complaint against Coinbase. I was hacked and out approximately {$30000.00}. They are stating there is no recourse. Funds were removed from my account unauthorized. I reported the fraud at the end of XXXX XXXX. I followed their procedures and locked the account. I was assured the transactions would not go through. My account was locked and took over a month to regain access and when I finally regained access the funds from my account were gone. Several phone calls and cases were opened with Coinbase. Customer Support would not help, would not provide me info to file a formal complaint and would not answer questions in regards to who they are regulated by. I initially opened a case with the OCC who referred me to the CFPB. I also opened a case with XXXX but have not heard anything in return. Additonally multiple phone calls to coinbase and they are stating that none of my funds are insured because I did not have a premium account. I was not aware of a premium option that you needed to pay for and would have never invested any funds if the funds were not secure. This was misleading and deceiving and there is no one that it can be escalated. I have called numerous times to be cut off and never called back.
Consumer complaint received 2023-05-02
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. (MN)

The following credit Inquiries currently listed on my Experian credit report are fraudulent and authorized : XXXX, XX/XX/2023, XXXX XXXX XXXX XXXX XX/XX/2023 and XXXX XXXX XXXX  XXXX XX/XX/2023. The credit inquiries isnt my credit inquiries.?
Consumer complaint received 2023-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

As soon as I opened account and deposited money they froze my account due to suspected fraud. When I went in they claimed I had set the account up wrong online but wouldn't give me any info because they said my name was somehow not on the account.
Consumer complaint received 2023-02-08
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: Credence Resource Management, LLC (CA)

According to the FDCPA, specifically 15 us Code 1692c., this is my formal declaration to terminate and cease all communication from you in regard to the debt you are attempting to collect.

In response to the Ceasing communication notice in accordance with the Federal Fair Debt Collections Act, you may only contact me to inform me that there will be no further collection efforts or to notify me that a specific action will take place. 

Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication, confirming your acknowledgment of this letter, is in violation of the FDCPA. In addition, any third party that you use to coerce the collection of this debt shall also be in violation of federal law. 

If you do not cease communication a lawsuit will be commenced against you.
Consumer complaint received 2020-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (PA)

I have a credit card account with Barclay Bank, and I have been calling them since XXXX to speak with someone in regards to cancelling a transaction I did not approve. Just this week I had another transaction I did not approve. I have been trying to cancel the card since no one ever answers the phone. I have called them several dozen times and wait on hold and have never been responded to. I wait up to an hour at times and no answer. 

When I call Barclay Bank and enter my credit card number it says the credit card information is not recognized. I have tried several different Barclay phone numbers in hopes of getting in touch with someone, but it continues to lead to wasting my time and further frustration.

I tried to log in online to contact them and it won't allow me to. It has nothing to do with account information, password, etc. I know my accounts well. I have been trying all day so far even calling their regional offices and I even tried XXXX and XXXX to get someone. I am beyond frustrated and am worried about my account, but they just don't get back to you. I don't know what to do at this point I am dealing with a company with horrendous customer service and need assistance.
Consumer complaint received 2022-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was reviewing my consumer report and noticed information that isn't fair and or accurate. based on the fair credit reporting act consumer reports does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. Transunion is violating my consumer rights.
Consumer complaint received 2022-01-01
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. (PA)

I am disputing Experian for not reporting accurately on my credit report and not responding to my dispute in 30 days. I disputed inaccurate inquiries and erroneous accounts more than 30 days ago via mail and have not received a response back. I also provided the mailing slip receipt of the day this company received my disputes. Today is XX/XX/2022 and I still have no response. I want all the items that Ive disputed deleted ASAP, because they violated the fair credit reporting act and continue to report erroneous and in accurate information.
Consumer complaint received 2022-01-01
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. (PA)

I am disputing Transunion for not reporting accurately on my credit report and not responding to my dispute in 30 days. I disputed inaccurate inquiries and erroneous accounts more than 30 days ago via mail and have not received a response back. I also provided the mailing slip receipt of the day this company received my disputes. Today is XX/XX/2022 and I still have no response. I want all the items that Ive disputed deleted ASAP, because they violated the fair credit reporting act and continue to report erroneous and in accurate information.
Consumer complaint received 2023-05-28
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)

XXXX XXXX INQUIRED/OPENED CC ACOUNT WITHOUT MY PERMISSION XXXXXXXX XXXX XXXX XXXX SAME XXXX XXXX  : SAME XXXX : SAME ( TWICE ) XXXX  XXXX XXXX : SAME XXXX XXXX : SAME XXXX XXXX : SAME XXXX XXXX : SAME
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: FIRST ADVANTAGE CORPORATION (ID)

My name is XXXX XXXX and I applied for a job with XXXX XXXX XXXX Idaho. I have two felonies on my record one is for partner-family member XXXX  out of Montana the incident of all of myself and my ex when I walked home from work and found her in bed with one of my friends or somebody that I thought was my friend I spent three years for that and its entirety I have another XXXX for a XXXX XXXX of XXXX XXXX   XXXX I XXXX   five years for that I did both sentences and was released I paid my debt to society I have a XXXX did I did XXXX years XXXX  XXXX   successfully I have a letter of completion from my XXXX officer and also for successfully completing XXXX and XXXX   XXXX  for a year intense all I'm asking is for a fair chance to work and provide for my family I'm not on XXXX  I'm not a XXXX and I was just like an equal opportunity like everybody else.
Consumer complaint received 2021-03-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ARC Management Group, LLC (NV)

Sent a request to validate debt to Arc Management group on XX/XX/2021. Tracking shows they received my request XX/XX/2021. Did receive response from Arc Management until XX/XX/2021, and the letter they sent me contained nothing but them saying " they are not required to keep detailed files of the alleged debt '' this provides no proof of debt and proves nothing of the alleged debt. I would like this removed from my credit report ASAP.
Consumer complaint received 2023-10-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Solar Mosaic LLC (CA)

Solar Mosaic , Inc. is sending me letters to collect a debt that is currently under investigation. I initiated an investigation with Solar Mosaic Inc. in XX/XX/ regarding their diversion of a {$55000.00} home improvement loan to XXXX XXXX XXXX without validating the phases of the construction project. XXXX XXXX collected the loan money but never completed any project as stated in the contract. Despite my confirmation with my city 's planning and building department that XXXX XXXX never submitted any plans for the XXXX project and that the permits are not completed, Solar Mosaic Inc. proceeded to give XXXX XXXX a loan that was secured for this project. Now, I'm receiving debt collection letters for a loan that was never used for my project, as XXXX XXXX XXXX diverted these funds to other unknown projects. Solar Mosaic Inc. is aware that XXXX XXXX XXXX XXXX 's license has been revoked since XXXX with the XXXX which can be verify online but Solar Mosaic Inc. continue to do business with them.
Consumer complaint received 2024-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (CA)

'VE REQUESTED NUMEROUS TIMES FOR THIS DEBT COLLECTOR TO PROVIDE ME WITH CONTRACT. I REQUESTED FOR THEM TO PROVIDE ME AN INVOICE FOR WHICH I SIGNED FOR THIS DEBT. I REQUESTED FOR THEM TO PROVIDE ME WITH THE DOCUMENTS USED TO TAKE OUT THIS CONTRACT/AGREEMENT IN MY NAME. THE DOCUMENTS USED TO VERIFY MY IDENTITY. I DID NOT GET THOSE DOCUMENTS WHICH IS MY RIGHT WHEN REQUESTING FOR A DEBT COLLECTOR TO VALIDATE DEBT. EVERYTIME THIS AGENCY CALLS, THEY HARRASS AND RESPOND TELLING ME YOU KNOW YOU OWE THE DEBT. INSTEAD OF PROVIDING ME THE DOCUMENTS REQUIRED WHEN REQUESTED UNDER THE LAW. I'VE NEVER GAVE PERMISSION FOR THEM TO USE MY CREDIT FOR AN APPLICATION FOR THEIR SERVICE PRODUCTS. IVE REQUESTED FOR XXXX AND XXXX TO COMPLETE AN INVESTIGATION AND VALIDATE THE DEBT. THEY HAVE YET TO DO SO, I ASKED THEM TO MAIL ME ALL DOCUMENTS USED TO VERIFY THIS DEBT AND PROVIDE ALL DOCUMENTS USED TO VERIFY THIS DEBT FROM THEIR INVESTIGATION. THEY HAVE REFUSED TO DO SO AND HAVE YET TO VALIDATE THIS DEBT. THEY ONLY TOOK THE DEBT COLLECTOR AT THEIR WORD. THESE XXXX CREDIT REPORTING AGENCIES DO NOT REVIEW ALL FACTS AND DO NOT COMPLETE THOROUGH INVESTIGATIONS. THEY ALSO DO NOT PROVIDE THE RESULTS TO THE CONSUMERS IF THEY DID NOT FOLLOWING THE LAW. I AM FINALIZING A REPORT REQUESTED BY THE CALIFORNIA DEPARTMENT OF FINANCIAL PROTECTION AND INNOVATION WHILE THEY INVESTIGATE THE TACTICS OF THIS DEBT COLLECTOR AND THE CREDIT BUREAUS. THE AGENCY HAS TOLD ME INVESTIGATORS WILL BEGAN INVESTIGATING IF THERE IS NO FAVORABLE DECISION FROM THIS REPORT
Consumer complaint received 2023-02-11
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. (NV)

Dear Sir/Madam, I hope this message finds you well. I am writing to kindly request your assistance in removing some information from my account. According to the law, medical bills under {$500.00} are supposed to be removed and it is a violation of my rights under 15 US code 1681 and 15 US code 1681b to have this information present. 

Additionally, I would appreciate it if you could suppress any negative information and update the report accordingly. I understand that it is illegal to place a charge off on a report and send a 1099-C to the debtor.

Furthermore, I have noticed that the reporting across the bureaus is not accurate, and I kindly request that the information be removed immediately. I have attached the relevant report for your reference. 

Finally, I would like to raise a concern regarding the difficulty in accessing my online account. I believe it is unfair to have to pay to see my own data, and I would appreciate if the Consumer Financial Protection Bureau could investigate this matter. 

I would greatly appreciate it if you could attend to this matter as soon as possible. Thank you for your time and assistance. 

Best regards, XXXX XXXX XXXX XXXX XXXX  XXXX Original creditor : XXXX XXXX XXXX XXXX details 0 % paid off Balance {$320.00} Balance updated XX/XX/XXXX Original balance {$320.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit XXXX 's internal collection department Status updated XX/XX/XXXX Contact info Name XXXX XXXXXXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX