davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC (UT)

In XXXX I contacted you about recasting my loan with a payment on {$10000.00}. It was approved so I sent you {$100000.00} as agreed. Effective date being XX/XX/2020. 
I never received document downloads to sign until XXXX. 


XX/XX/2020 I sent in notarized documents and {$150.00} to XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/2020 I inquired if my loan had been recast as my statement did not reflect the amount agreed upon. 
In response you said documents had been received but sent to another department. You lost them but are trying to find them. 

XXXX XXXX I again inquired if my loan had been recast as my statement did not reflect it. In response you apologized saying you are working on it. 
Giving excuses that everyone is working at home and unsure when you would find the lost documents. You suggested I sent in a copy of documents. 
So I did. I again sent in documents to XXXX XXXX XXXX XXXX NJ XXXX Since sending in documents the second time I have not heard back from you. I have sent several emails and have tried to call in but you are not accepting calls. 

I received back my {$150.00} check uncashed so I know you received my documents, the first set. I don't know if you received the second copy of documents. 

I have seen many email requests but have been ignored. 

XX/XX/XXXX I called in and was told no one in who could help me. I was told someone would call me back by a person XXXX. no one did Sent more emails no response. 

XX/XX/XXXX transferred around until I was again told a supervisor would call me back since none was in by XXXX. No one called me. 

sent more emails no response XX/XX/XXXX Called in again and was told a supervisor would call me. No one did. 

sent more emails no response I have sent
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (WI)

A Method of Verification letter was mailed certified to Experian XX/XX/2020 requesting them to verify the inaccurate bankruptcy they have listed in my credit report. The letter was delivered to Experian on XX/XX/2020. They replied and said verified without providing me their method of verification as I requested. I mailed a 2nd certified letter to Experian XX/XX/2020 requesting them to delete the inaccurate bankruptcy and have not received a response. Experian has not provided me any information on who or how this inaccurate bankruptcy was verified to be my record.
Consumer complaint received 2020-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2020 and XX/XX/2020, I authorized XXXX XXXX & XXXX to charge my debit card for a coffee table, in two transactions of {$75.00} and {$74.00}. 

Because of the COVID19 issues, delivery of the item didn't happen until XX/XX/2020. When it arrived, it came damaged, and unable to be put together. 

I was finally able to speak to a live representative on XX/XX/2020, and was told that the company is no longer in business, and that I needed to file a claim through my bank. 

Bank of America stated to me that because the two transactions happened in early 2020, I am over my " courtesy time frame '' to file a claim, and therefore it would get denied. I explained to them that although I authorized the charges in XXXX and XXXX of 2020, the item itself didn't arrive until XXXX of 2020. 

They refused to file the claim, and told me that I needed to file a complaint with the CFPB an " try '' to get my money back.
Consumer complaint received 2020-06-10
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. (TN)

AS IM HAVE STATED MANY TIMES ME AND MY SON HAVE THE SAME NAME THEY MAY HAVE MISTAKENLY USED MY NAME INSTEAD OF HIS WHICH THIS MESS HAS MESSED UP MY GOOD NAME
Consumer complaint received 2022-05-04
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. (TN)

requested validation of items on my consumer report which is within my right to know exactly what is being used to report and instead of doing what was requested i was sent stall letters and no results ever followed i can fill out a complaint once a month and they are gon na still senf the CFPB the same generic response in order to not follow up with what needs to be done for consumers
Consumer complaint received 2022-12-26
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: ALLY FINANCIAL INC. (VA)

Value city, never been in collection and has been paid off in full on time. This has been corrected and was fix bustier appear on my credit report. 

Ally Finance never late always on time payment. Contact consumer has been corrected but still appears on my credit report as a late payment.
Consumer complaint received 2019-12-23
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Collection Agency LLC (MT)

In 2018, I had a hospital bill for {$3000.00} from XXXX XXXX XXXX in XXXX, XXXX for a test that was done. I was not informed of the cost before the test and was only thinking it might be $ 500- {$1000.00}. Had I been informed of the cost, I would not have had the test done. After the first two bills from the hospital, I started making small payments. But suddenly a few months after the test, I received a notice from Collection Associates. 

A few months later, I got a new job in XXXX. The calls from debt collector were relentless and I blocked their numbers on my phone. Then they started calling my work number. I asked them in writing to stop calling at work and only communicate in writing. I had not heard any more for a while. Then suddenly today, my mom told me she had a voice mail that I was supposed to call a certain number. When I looked up the number, it was the cell phone number that was registered to one of the names associated with Collection Associates. I had already told them to contact me only in writing so this is why I am reporting them and sending a cease and desist letter today.
Consumer complaint received 2019-12-24
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. (PA)

I disputed this item, because it doesnt belong to me and, I asked for verification, and they were unable to provide that information, so I was sent a status update, saying it was deleted but, its still there and they are failing to do what they said they did or going to do
Consumer complaint received 2023-06-29
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-06-10
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. (GA)

I attempted to do a temporary lift on my credit freeze with Experian and was unable to complete my request online. When I tried to contact their customer service no matter what option I selected it brought me to a pre-recorded message and then disconnected the call. I could not get to a live person. There is no online chat option. There is no online contact form. There is no way for consumers to get in contact with a representative of this company which is ridiculous for a credit bureau. A credit freeze needs to be managed in real time and they do not provide this. Frankly, I'm not sure how they are even allowed to be a credit bureau.
Consumer complaint received 2019-12-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

On XX/XX/19 I opened an account online with Bank of America, I received several emails confirming that the account had been approved, an account number was provided, and then another email was sent stating that a debit card was sent. Then on XX/XX/19 when I received the debit card in the mail, I attempted to activate the card but was unable to so I called customer service to find out that the account is being closed. Because I received the emails that the stating the account had been approved and that all I needed to do was fund the account I setup my payroll to be direct deposited into this account and the representative that I spoke with wasnt helpful at all, she simply said that Id have to wait until Friday to see if they can see if the funds in the account. I have other obligations that I have to take care of for Bank of America to make the decision to close the account without reaching out to me via email, phone, or mail, I find that to be very unprofessional and not good customer service.
Consumer complaint received 2021-11-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc. (CA)

on Friday at XXXX pm I received an e-mail from XXXX that my Conversion from XXXX was unsuccessful. I have submitted a Case with XXXX on Sat, XX/XX/XXXX, XXXX XXXX 

I am concerned that XXXX is taking too long to fix the " glitch '' that occurred apparently I was not supposed to do this conversion because it was not intended. 

The balance before the glitch, which multiplied everyone 's balance by XXXX times, has been restored, but we are still unable to trade. XXXX. 

We are still waiting to hear if we can trade XXXX, and if this is fair practice by coinbase, given the length of time it has been. 

Thank you kindly
Consumer complaint received 2020-06-10
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. (IL)

I paid my XX/XX/XXXX mortgage on XX/XX/XXXX before the 30 day late cutoff. 
XXXX XXXX XXXX  didn't process the payment for 3 days and reported me 30+ days late to my credit report. 
I was NOT 30 days late and have the receipt to prove it. 
I contested this with XXXX XXXX twice and they refused to rectify this for me. 
I was told, verbally, by XXXX XXXX that they would not admit this error and would not change this reporting. 
He also told me that I could go to the reporting agencies and use my proof to get this changed. 
I filed disputes with all three of the agencies and received a finalization notice from Experian today ( XX/XX/XXXX ) stating that XXXX XXXX would yet again NOT accept this even though I submitted my proof.
Consumer complaint received 2020-06-10
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched USAA Confirmation Settlement Letter dated XX/XX/XXXX Re : USAA credit card ending XXXX SETTLED XX/XX/XXXX, XXXX see attactched USAA XX/XX/XXXX MC XXXX {$100.00} DUE. My private secure data from the XXXX OPENED THIS ACCOUNT XX/XX/XXXX. XXXX  & XXXX  RELY ON INACCURATE CREDIT REPORTING FROM THE CREDITOR USAA. *** I DID NOT OPEN ACCOUNT. **** CRAs REFUSE TO VERIFY THE DRS LICENSE & SIGNATURE. USED TO OPEN ACCOUNT.
Consumer complaint received 2020-01-03
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)

To whom it may concern, I am writing in regards to late payments on my credit report from XX/XX/2019 and XX/XX/2019 for my XXXX account. 

I understand how important it is to make timely payments, and that failure to do so creates an inconvenience for you. However, I missed my payment because I had a serious family emergency where I had to allocate the funds to help out. I am confident that this wont happen again and I have taken steps to ensure my financial responsibility moving forward. 

As a courtesy, I am requesting that XXXX make a goodwill adjustment and remove the late payment on XX/XX/2019 and XX/XX/2019 from my record. This will help improve my credit worthiness and give me renewed confidence in being a Webbank/Fingerhut customer in good standing. 

Thank you for your consideration, XXXX XXXX XXXX
Consumer complaint received 2020-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

To whom it may concern, I am writing in regards to late payments on my credit report from XX/XX/2019 and XX/XX/2019 for my XXXX/XXXX  account. 

I understand how important it is to make timely payments, and that failure to do so creates an inconvenience for you. However, I missed my payment because I had a serious family emergency where I had to allocate the funds to help out. I am confident that this wont happen again and I have taken steps to ensure my financial responsibility moving forward. 

As a courtesy, I am requesting that XXXX/XXXX   make a goodwill adjustment and remove the late payment on XX/XX/2019 and XX/XX/2019 from my record. This will help improve my credit worthiness and give me renewed confidence in being a XXXX/XXXX  customer in good standing. 

Thank you for your consideration, XXXX XXXX XXXX
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

I am writing this due to non-compliance with the ( XXXX, Experian, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2019-12-24
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. (PA)

I disputed this item, because it doesnt belong to me and, I asked for verification, and they were unable to provide that information, so I was sent a status update, saying it was deleted but, its still there and they are failing to do what they said they did or going to do
Consumer complaint received 2022-10-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (FL)

XXXX2nd issue, same company, different problem. ** I called XXXX yesterday, XX/XX/2022, to extend my forbearance for my loan account and spoke with XXXX @ XXXX at XXXX and was told that as of XX/XX/2022 a processor had removed my loan from forbearance after my approval letter was generated XX/XX/2022 to include XXXX, XXXX, and XXXX payments within the forbearance period. I asked why my loan was taken out of forbearance and XXXX advised this was due to the fact that XXXX payment was made and the processor assumed the forbearance was no longer needed. I told XXXX this was because I continued to receive letters in the mail requesting additional information for the COVID forbearance ( even after a signed hardship letter, bank statements, and a copy of my layoff papers were provided ). I called several times to confirm the forbearance but none of the representatives I spoke with showed this was placed on my account in XXXX. To avoid negative credit reporting, I borrowed funds from family to make my XXXX payment. I then asked why no one made contact with me to let me know they were taking my loan out of forbearance and she said there were notes on the file that indicated an outbound call had been made, however, no message was left. I told XXXX this was more than unacceptable and also questioned why she was the first person to notice and convey this information to me ( even while calling several times in XXXX ). I did not receive anything in the mail to let me know my loan had been taken out of forbearance nor did anyone make contact with me to communicate this. XXXX advised she would go back to the processor who took my loan out of forbearance and tell them to backdate it from XX/XX/2022 through XX/XX/2022 and that she would follow back up with me by the end of the week. However, at this point, I have no faith in anything Im being told, as the story changes with every representative I speak with. I need assistance putting my loan in the proper forbearance, as indicated in the agreement sent and dated XX/XX/2022 and to include an extension to the original agreement. This is beyond maddening and frustrating how a person has to go through so much nonsense for something that should be relatively simple to follow. 

( **Ref case # XXXX, for other case information relating to additional complaint against this company for not following federal guidelines. )
Consumer complaint received 2019-12-24
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I have been getting letters from Bank of America account with them it's from XXXX Florida and I never open an account with Bank of America I'm very very very sure of it it's been going on for about 6 months I sent him a letter saying that I would report them to the Consumer Finance fraud Bureau and a month later they emailed me another form saying that I am going in - {$8.00} Every time I try to reach out to them on the phone I get a recording asked me for my social security number and my bank account number I give them the bank account number but I do not get in the social security number and it will not let me go any further past that this is starting to bother me and worry me I'm afraid it's going to affect my credit
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2020-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I have reached out to Equifax on numerous occasions telling them that I can't access my credit profile and am in the middle of trying to obtain a mortgage. They claim that there isn't an error on their end. My loan officer attempted to pull my credit with Equifax on Saturday XX/XX/19 and stated that he received an error as well. Equifax is preventing my mortgage lender for accessing my file, although they claim their isn't a freeze. My lender, nor myself can access my Equifax file and this has been an issue for almost a month. No one in the customer service department has been able to assist me. I have attempted to escalate this matter with Equifax, but to my demise, my credit profile is still not accessible.My file needs to be accessible to any creditor and myself as soon as possible. Unfortunately if my lender is unable to pull all three of my credit profiles, they can not move forward with my mortgage application. This is causing a great amount of inconvenience and grief on my end. Please have Equifax make my credit profile accessible immediately.
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

equifax is still reporting an identity theft inquiry on my credit file that I did not consent or have knowledge of - XXXX. XXXX ( inquiry ) Equifax continues to remove this from my credit file even after several days of reporting this fraud inquiry to equifax and after I have provided an identity theft report and police report outlining this fraudulent inquiry. 


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Consumer complaint received 2022-12-26
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. (FL)

I'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$40000.00}
Consumer complaint received 2020-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.