davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-16
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. (NC)

I sent certified mail, return receipt to XXXX, EQUIFAX and XXXX XXXX requesting investigation on several items and that they send me copies of all information related to each item to include documents with my signature on them.All I received was a notice on the website for each one saying they verified each one as accurate.I did not receive the requested documents as proof that I owed any item and therefore they failed to complete my request and send me they method of gathering information, the requested documents with my signature on them and any documents they had on file to include the name, address and phone number of each person they contacted to verify the information was correct as I requested.
Consumer complaint received 2018-04-03
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. (IA)

I had 17 loans with XXXX XXXX, I now have 2 loans which are consolidated. In XX/XX/XXXX they reported to my credit report that I was 90 days past due, since the loans had not been consolidated at that point it did not just report it once but 17 times. My loans had a forbearance from XX/XX/XXXX-XX/XX/XXXX, I never received a bill from them to prompt me to pay anything and every attempt that I have made to get them to correct my credit report comes back, with them saying that it is correct and they do not have to correct because a forbearance does not stop it from being considered late if you look at the 2 previous months on my credit report they reported that XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were all paid as agreed and then in XX/XX/XXXX reported that it was 90 days past due, if it was 90 days past due then I would not have been able to have been as agreed in the 3 months prior to it. The loans have since been consolidated and are on a payment plan where it has not shown a missed payment since, they are unjustly leaving these on my credit report even though my loan was in forbearance in order to prevent me from obtaining other credit.
Consumer complaint received 2021-12-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Hello so XX/XX/2021 on I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX XXXX breach and may have gotten into the wrong hands.
Consumer complaint received 2017-07-10
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (VA)

Chase Ba nk USA keeps sending me a request for addition information regarding an AMAZON.COM Visa card that I have applied for with there Bank. This has been going on for several years. They s end the request too an old address where I use to live. I called them and requested that the remove my address from their mailing list. They wanted to give me a credit reporting agency number and Asked too speak with a surpervisior and was told that they would call me back which of course never happened. How hard is it to get removed from someone 's mailing list?
Consumer complaint received 2022-05-26
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2021-12-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello so XX/XX/2021 on I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2017-12-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc. (MO)

XX/XX/XXXX2017- So I am wanting to take my virtual currency and transfer it to my wallet on my computer and save it there to where it is safe and when I do this it says I do n't have enough to transfer cause they wan na charge a network fee here is a screenshot of the transaction that I want done ... 




I have attached a pic of me trying to get my currency to be transferred to my Bitcoin wallet on my computer.. 



I put in {$20.00} with my bank and they say I wo n't get that for 5 to 7 days.. 

I also put in {$20.00} with my debit card I lost {$4.00} since I have had my currency in the market.. I want to now take what I have left and to put into my bitcoin wallet on my computer and this is the result they are robbing people ... If I had {$33.00} as you can see is {$18.00} for just a network fee.. This is absurd I want to take my money out!! So I now I will have no choice but to try to get my money back into my bank account which they will charge another {$1.00} fee so basically when it is all said and done they have robbed me and I just wan na get what I have left I am done with doing business with this company! But from what my friend says this is the only way to get my money into currency to trade with all the other cryptocurrencies there has to be other companies that wo n't XXXX us.
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (MN)

I Filed My XXXX return i requested that it be direct deposited into My Cash App account however it ended up going through 3 different institutions that i did not know about it got sent to XXXX XXXX XXXX XXXX  says they sent it to the tax product group in XXXX XXXX and they say they sent it too XXXX bank ive never heard of these institutions up until now i have a tracer number and the account number but im not getting any information as how to get my money
Consumer complaint received 2019-06-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CA)

I have a claim recap from XXXX XXXX XXXX XXXX XXXX ( date prepared : XX/XX/2019 ; date of service : XX/XX/2019 ) stating that there was an expense of {$1100.00} and I had to pay an amount of {$0.00} out of pocket to the provider XXXX XXXX XXXX XXXX XXXX XXXX.

I also have a statement from XXXX XXXX XXXX XXXX ( statement date : XX/XX/2019 ) stating I have an amount due of {$1100.00}, with insurance covering an amount of {$0.00}. I assumed that insurance has already covered this.

I have called XXXX hospital and they have stated that they have sent the debt to CMRE Financial Services Inc. and I ignored them, thinking that insurance has already covered the debt, especially when it was from so long ago and that XXXX has sent a letter stating that they have covered it. Collection is on me and is not on my fault because insurance has not sent clear instructions whether to pay this amount with our insurance card or not.

It was never clear that there was a check sent to us ( not in the amount of {$1100.00} ) from XXXX   to pay for the expenses of the hospital.
Consumer complaint received 2017-12-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (MD)

I had fraud occur in my account =to XXXX. I researched with the places where the fraud occurred and they informed me that a female made the purchase age being from about XXXX years old. Stated she purchased an XXXX XXXX x repeatedly. All in all I contacted the debit card company and they refuse to refund the charges back to my account. They say I need to work with the merchant. A case was filled and then closed not in my favor. Dates of dispute was XX/XX/2017 case opened case closed XX/XX/2017. Under regulation e Im not responsible for unauthorized use of my account except 50 .
Consumer complaint received 2021-12-16
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. (NV)

In XX/XX/2021, I switched my cellular carrier to XXXX. At that time, they created duplicate accounts due to their own system errors. I was unaware of this duplicate account until later. Several attempts to correct it were unsuccessful over many months and XXXX reported the account to the credit agencies. XXXX has since admitted their mistake and pledged ( via written letter to me ) on XX/XX/2021 that the account would be completely deleted from all credit agencies. In addition, I have submitted multiple disputes with the credit agencies. Those disputes were closed with the result saying that the account was verified to be accurate. As of today ( XX/XX/2021 ), XXXX and Experian both still show the mistaken account on my credit report.
Consumer complaint received 2017-07-10
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: EQUIFAX, INC. (AL)

AROUND XXXX 2017 I FILED A COMPLAINT WITH THE CFPB IN REFRENCE TO HELP WITH FRAUDULENT ACTIVITY ON MY CREDIT REPORT. I LIVE IN ALABAMA AND THERE WERE ACCOUNTS ON MY CREDIT REPORT FROM A DIFFERENT STATE. XXXX XXXX NEVADA. ALSO A FRAUDULENT CHAPTER XXXX UNDER MY SS # THAT WAS REPORTING AGAINST ME IN XXXX XXXX NEVADA. THERE WERE 4 ACCOUNTS ATTACHED TO THIS CHAPTER XXXX. XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX XXXX. ALL WERE REMOVED BUT XXXX XXXX AND XXXX XXXX. ALL WERE INCLUDED UNDER THIS FRAUDULENT CHAPTER XXXX SO ALL SHOULD HAVE BEEN REMOVED. THE XXXX XXXX AND XXXX XXXX IS STILL REPORTING ON MY CREDIT REPORT.
Consumer complaint received 2016-01-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (FL)

I have written this company at least 10-12 times in the past two years inquiring about the status of account # XXXX. I also disputed the accuracy of this account through the XXXX major credit reporting agencies. The bureau responded every single time ( 09X ) stating that Vanderbilt Mortgage stated they are reporting accurately. However, they are lying because the amount they stated that I owe is not correct and nor is the date of status ( my last activity ) on the account accurate. They never notified me that they sold the mobile home nor the amount that they sold it for. The amount I owe should be less whatever they sold the home for. This should be the amount that 's reported on my credit file. I have contacted this company via the credit reporting agency asking for a debt validation regarding this account # XXXX. However, I have n't received a response. They still manage to keep reporting it on my credit profile every month even though they have not validated the debt. At this time, I am asking this company officially to validate this debt by sending me a copy of the contract which contractually binds me to pay the debt as being reported on my credit file. I know my rights have been violated because the FCRA states that they should report the information accurately and to report inaccurate information is a violation of my consumer rights and I can hold them accountable in civil court per the Florida Rules of Civil procedure Rule # 1.130. In addition, you should take note that re-aging this account is illegal. The FCRA Compliance Date is the official beginning of first date of delinquency which can not be changed once an account is charged-off. The 7-year clock begins 180 days from the time I FIRST missed a payment. Once a charge-off or collection account reaches seven years the credit bureaus must purge the account and it will no longer appear on future credit reports. This date from which the collection must be removed is informally referred to as the " purge from '' date. Re-aging a delinquent account is a serious violation of the FCRA. An original creditor or a debt collector may engage in illegal re-aging on the same charged-off account. Once the original creditor reports the FCRA Compliance Date to the credit reporting agencies, it is set in stone. This date can not be changed or updated under any circumstance. If this request is not met in approximately twenty working days, I will have no choice but to contact a consumer attorney in hopes to resolve this issue. I have tried for months to be civil in hopes of reaching a mutual resolution, but to no avail. The company has chosen to practice illegal and unethical tactics in an attempt to get me to pay a debt that should have already been resolved. Please govern yourselves accordingly.
Consumer complaint received 2021-12-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CA)

my name is XXXX XXXX my loan number is XXXX i apply for refinance at XXXX XXXX, freedom mortgage give a false statement about my loan that XXXX is late with payment 30 days 60 days and 90 days and XXXX XXXX cancel my refinance i pay {$490.00} for appraisal fee i ask for my appraisal fee back they dont want to give my appraisal fee back i want freedom mortgage give my appraisal fee back because freedom mortgage give false statement to XXXX XXXX i give all the paper work to freedom mortgage that they need
Consumer complaint received 2021-12-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Luckmore Finance (MS)

XX/XX/2021, I mailed out a Affidaivt of Truth ( AOT ) and a Cease-and-Desist Collection Activities to XXXX XXXX XXXX and Luckmores register agent XXXX XXXX. Inside of the AOT, I pointed out how Luckmore has violated several of my federally protected consumer rights. Throughout this entire account period Luckmore as use unfair practices in order to collect on the debt. Luckmore has threaten to file sue as well as garnish my wages, with no intentions on doing so, which is a clear violation of 15 USC 1692e ( 4 ) and 15 USC 1692e ( 5 ). Pursaunt to 12 CFR 1041.7 Luckmore has charged my debit card without my permission on several different occasions which has caused my account to become negative due to insufficient funds available. I have spoken to the CEO regarding this matter on XX/XX/2021 ( on a recorded line of my own ), and after expressing my concerns with him about the unfair and abusive practices, Luckmore placed a hard inquire on my credit report not even one minute after speaking with XXXX. Luckmore uses fake phone numbers to call me in order for me to pick the phone. XXXX has called me from a ( XXXX ) area code number which is the same code where I reside. Luckmore Finance is located in XXXX and XXXX XXXX Louisiana. Pursuant to 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Luckmore has placed several late payments on to my credit report which is a clear violation pursuant to 15 USC 1666b. Also, I NEVER gave Luckmore any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b.

Luckmore has cause XXXX XXXX  and XXXX due to the abusive and unfair practices. When I see an email or phone call from Luckmore, I so afraid that theyll add additional adverse actions to my credit report which is causing me to NOT get approve for my home loan.
Consumer complaint received 2021-12-16
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. (IL)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-12-16
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. (IL)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2019-06-22
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (CA)

Late payments XXXX 2017-XXXX 2017. I was not late. I have bank statements and santander online account documents to prove it. Santander continues to report this to the bureaus, never followed up with me on regards to the dispute.
Consumer complaint received 2021-12-16
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Aldous & Associates, PLLC (UT)

XXXX XXXX is trying to bill me for my nephews outstanding bill of {$250.00} he was XXXX when he signed up so I added myself as adult he turn XXXX on XXXX of XXXX and we called to remove my name and put Him as responsible party with his info. Now he has moved and not be paying his bill so they are coming after me.
Consumer complaint received 2021-12-16
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX  XXXX Auto Finance Date Open XX/XX/XXXX Amount XXXX I Want This Account Removed Off All 2 Beru Experian And XXXX I XXXX XXXX wrote this letter to you guys because this account is violating the TRUTH IN LENDING ACT they under report my my apr and also my late fees. ( FCRA ) The fair credit reporting act states that any inaccurate information credit report to be deleted this is causing me not able to move on with my life. This should be removed reported balances wrong infortmation my address in not XXXX XXXX XXXX and my name is XXXX XXXX not XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX violated my rights as well I would like them removed original credits credit XXXX XXXX they call me harassing me at all kinds of times at night. 

XXXX XXXX XXXX  XXXX $ Violates the hippa law medical debt can't be sold be to 3rd party ALSO ( FCRA ) INQURIES FROM XXXX XXXX XXXX XXXX XX/XX/XXXX WERE NOT ME FCRA STATES INFORMATION THATS NOT RIGHT TO BE REMOVED
Consumer complaint received 2022-05-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2021-12-16
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: Merchants' Credit Guide Company (IL)

XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX  Date Open XX/XX/XXXX Amount XXXX I Want This Account Removed Off All 2 Beru XXXX And XXXX I XXXX XXXX wrote this letter to you guys because this account is violating the TRUTH IN LENDING ACT they under report my my apr and also my late fees. ( FCRA ) The fair credit reporting act states that any inaccurate information credit report to be deleted this is causing me not able to move on with my life. This should be removed reported balances wrong infortmation my address in not XXXX XXXX XXXX and my name is XXXX XXXX not XXXX XXXX XXXX ll. 

XXXX XXXX XXXXXXXX violated my rights as well I would like them removed original XXXX  XXXX XXXX bank they call me harassing me at all kinds of times at night. 

MERCHANT CREDIT GUIDE XXXX $ Violates the hippa law medical debt can't be sold be to 3rd party ALSO ( FCRA ) INQURIES FROM XXXX XXXX XXXX XXXX XX/XX/XXXX WERE NOT ME FCRA STATES INFORMATION THATS NOT RIGHT TO BE REMOVED