davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CURO Intermediate Holdings (FL)

XXXXapplied for a personal and received a call from a loan specialist. He stated he needed more information to ensure the loan will be approved. He then called back stating he was still working on my loan and that he wanted to perform a cash credit booster to y score and I asked him to explain the process too me. He stated he would be making a one time deposit into my account and I would need to forward that money to him before they would provide me with the funds that I was approved for. I was reluctant and said ok go ahead and make the deposit. Then I received an email from XXXX  XXXX support stating they had received my dispute and that all was under investigation. The loan officer continued to call Even after I blocked him and all the additional numbers he was calling from. I then noticed I couldn't access my account due to password being changed. He had reversed a {$330.00} water bill payment and a {$180.00} XXXX payment and 7 return check fees totaling {$760.00} which in turn interefered with me making it to see my landlord on time and now I am evicted and told to vacate premises by XX/XX/21 due to owing landlord {$920.00}.
Consumer complaint received 2021-03-15
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (MO)

I filed a complaint against JP Morgan Chase. My home was illegally foreclosed when JP Morgan Chase sued my XXXX deceased veteran husband. I never received a XXXX from the sale of my home. I paid more than 80 percent of the loan, and my home was sold many times over never receiving any money from the illegal sale and foreclosure.
Consumer complaint received 2024-03-18
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. (FL)

I filed complaint last time, about my Credit file items to remove. However, after reviewing my credit file, the accounts and inquiries I listed in my letter last time, still reported on my credit report. There is no investigations made for my file. 


TransUnion 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 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 2021-03-15
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Army and Air Force Exchange Service (FL)

XXXX XXXX XXXX and XXXX XXXX defrauding XXXX XXXX and XXXX Veterans during the pandemic. Illegally withdrawing money from my XXXX XXXX  account causing me to lose multiple cards. Asking for 5 copies of my signature, asking for y medical insurance account information. garnishing my XXXX, garnishing my social security, refusing to credit my account. locking my account. Non-compliant for over a year on emails, phone calls, inflating the bill in front of law enforcement by over {$1500.00}. 

THESE PEOPLE NEED TO BE IN JAIL!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NM)

My first name is XXXX XXXX XXXX XXXX XXXX XXXX but equifax is reporting XXXX XXXX XXXX XXXX XXXX missing the second letter I between the V and A after many disputes equifax refuses to update my name and its becoming frustrating and overwhelming please help. Attach to this dispute I am providing an utility bill to prove my case
Consumer complaint received 2021-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

I have a XXXX mortgage serviced by Wells Fargo. Im a first time home owner of 4 years so I was confused with the servicer part at first. I was impacted by the XXXX pandemic, so being a single parent, the forbearance sounded like the way to go, however it was not. By the third month I received a letter letting me know that my home could go into foreclosure but they were letting me stay on a forbearance. Two months later I received a letter letting me know I had 3 choices to avoid foreclosure, vacate my premises, a short sale or agree to turning my mortgage into a 40 year mortgage and theyd put the forbearance sim on the end. I faxed Wells Fargo letting them know that I was not interested in a 40 year term for 5-6 months of a forbearance when Im down to 26 years left on my mortgage. Furthermore, physically speaking with them I let them know that Id be willing to pay a weekly sum to get caught up. They refused, switched me to different extensions and said theyd get back to me. They tried to tell me I broke an agreement, the 40 year term after 3 payments on time. I told them I never agreed to that and now theyre sending me letters about to foreclose. I have medical XXXX, yes we finally are working as normal but I dont get paid when my company works out of state because I cant go. Im having a hard time getting vaccinated. This is too stressful.
Consumer complaint received 2021-10-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (PA)

We experienced discriminatory and unfair under calculating of our income. Continuous denials of recipes of documents in support of our application. They can not be reached via calls, emails. They were not open and fair with the whole process. We were getting inconsistent feedback regarding our application among the staffs. 
We were told that we could close within the 30 days and we were assured that it was going to be smooth since all or most documents were already in place. Unfortunately, a week before the closing when they were supposed to deliver a mortgage commitment to the seller, they claimed they had not received an employment verification from my wifes job. Meanwhile, the letter was already in their possession. After much back and forth and lying, they gave a makeshift closing document to our realtor which according to them was not final. Then, a day to closing, they came up with new conditions which had not come up from the time they approved us for a loan. From these, it is clear that we are being used, discriminated against and treated unfairly based on our race, ethnicity and income.
Consumer complaint received 2020-03-27
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: EQUIFAX, INC. (FL)

I have been disputing derogatory public record that is on my credit. On XX/XX/XXXX I opened a dispute report # XXXX with XXXX, Equifax and XXXX. Also XX/XX/XXXX report # XXXX as well as XX/XX/XXXX report # XXXX. I never received an update for report # XXXX.When i got the results for report # XXXX it stated " The company that reported the information has certified to XXXX  that the information is accurate.This item was not changed as a result of our processing of your dispute. The company that reported this derogatory public record is XXXX XXXX.I then requested proof of verification from XXXX, Equifax and XXXX  and was told that they don't have to disclose there proof of verification with me. After so many countless attempts the last one being on XX/XX/XXXX i have not received an information or status dealing with this last attempt to resolve this derogatory public record. Please assist me with this issue.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Dear TransUnion I would like to know how you verified this fraudulent account and I would like to see the original agreement between me and the original creditor. 

XXXX XXXX : Amount XXXX Account Number : XXXX
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX
Consumer complaint received 2021-10-14
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: Green & Sons Agency, Inc. (UT)

I never have an account with these collector/creditor. I tried to contact them several times and ask for proof of ownership but they are failed to send me necessary documentation to prove that I really own this account.
Consumer complaint received 2021-03-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of Fort Walton Beach, Inc (AL)

I was contacted by XXXX XXXX XXXX about a debt that was previously deleted from my credit report, I stated to them that I gave the Department of Veterans Affairs, my permission, to speak with them. They gave the VA representative a hard time. The VA then sent me letters that coincide with the dates of service and the letters also state that I, the Veteran, is not responsible for the medical bills. The collection agency is also charging 2 identical amounts for services on the same days, in the amount of {$1400.00} and an amount of XXXX. I emailed the collection agency a copy of all letters that the VA directed me to give to the collection agency and they did receive them. I do not owe those amounts. The collection agency then put a negative statement on my report that, I still owe this amount, even though, they have no information on me. Please help get this deleted feom all 3 credit bureaus.
Consumer complaint received 2021-10-14
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

On Dates of XX/XX/XXXX and XX/XX/XXXX i sent a letter To XXXX XXXX regarding inaccurate and uknown things on my credit report. To this day over 60 days later i have not recieved a response yet.i feel like i am being taken advantage of as a consumer. And my dispute is being ignored. 15 U.S. Code 1692e.False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

Section 611 ( a ) it plainily states that failure to invesitgate wihtin 30 days gives reason to immediatly remove these items from my credit report.Should be deleted promplty. I demand accounts to be deleted immediatly or i will file for district court claims due to stress and hardship and XXXX data breach i have been impacted aslo in the wrong hands. Remove immedialty
Consumer complaint received 2021-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (CA)

Hello there and thank you for helping out, I wanted to reach out because I have a XXXX XXXX and have not been able to make a payment on my Apple Card. I tried to login however my XXXX  ID is locked out and in recovery mode and I have not been able to make a payment because of it. 

I never got a phone call, email to my XXXX regarding any lates or delinquencies, Ive NEVER been late ever on my accounts and this is surprising!! 

XXXX never sends any physical statements so how on Earth would I know Im late? I didnt get anything in the mail stating I was late or past due. 

I cant even login and attempted to make a payment on the phone as well
Consumer complaint received 2021-10-14
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: General Motors Financial Company, Inc. (SC)

On Dates of XX/XX/XXXX and XX/XX/XXXX i sent a letter To Gm Financial regarding inaccurate and uknown things on my credit report. To this day over 60 days later i have not recieved a response yet.i feel like i am being taken advantage of as a consumer. And my dispute is being ignored. 15 U.S. Code 1692e.False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 
( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

Section 611 ( a ) it plainily states that failure to invesitgate wihtin 30 days gives reason to immediatly remove these items from my credit report.Should be deleted promplty. I demand accounts to be deleted immediatly or i will file for district court claims due to stress and hardship and XXXX data breach i have been impacted aslo in the wrong hands. Remove immedialty
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch (TX)

This Loan was an installment loan for home improvement This company is reporting it as a mortgage. They will not return my phone calls or emails. There is only one lady that handles my account. Her name is XXXX she has treated me like I am garbage. She wont respond to my emails or my phones calls. All I need is clarity on what type of loan this is.
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Im reaching out bemuse I was that I need to contact you all because there is some items on my credit I dont know nothing about. I have tried to call and write every one of them and Im not getting anywhere with them. Its like a circus show. I doing this by myself and really could use some help with this. These items need to come off my credit and given to whoever they belongs to. I was trying to refinance my house and this is really holding me up. The items are XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. XXXX. XXXX XXXX XXXX. There are also some bankruptcys showing on my credit and this is what really caught my attention because I have never filed babkruptcy. I have also attached correspondance from XXXX XXXX and states the Bankruptcy records have been deleted from their public records files.
Consumer complaint received 2021-10-14
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. (OR)

On XX/XX/XXXX, I discovered that a collection account was posted by XXXX XXXX XXXX ( XXXX ) to my Experian consumer credit report. The report indicated that the amount owed was {$140.00}, and that the original creditor is XXXX. To date, I have yet to receive a letter from XXXX regarding this collection account. However, based on the information provided by XXXX to the three credit bureaus, this debt is not mine. Together, the credit reports indicated that the last payment made to the XXXX account was XX/XX/XXXX ; that the date of first delinquency was XX/XX/XXXX ; that there was an account review inquiry to XXXX by XXXX on XX/XX/XXXX ; and that the collection account was opened on XX/XX/XXXX ( see attached supporting documentation ). While I previously had an account with XXXX, that account was closed in XXXX of XXXX. That account was also in good standing at the time of closure. All fees had been paid as the account was set on credit card autopay, including a close-out payment of {$18.00} on XX/XX/XXXX, and all equipment returned ( see attached supporting documentation ). Since closing my XXXX account in XXXX, I have not opened another account with XXXX, and am not the person who made the XX/XX/XXXX payment to the XXXX account in collection. 

I submitted a dispute regarding the collection account referenced above to Experian via certified mail on XX/XX/XXXX ( see attached supporting documentation ). 

As a XXXX XXXX  the COVID-19 response, this matter is distracting my attention and time from serving Oregonians. I would, therefore, greatly appreciate the CFPBs assistance in resolving this matter expeditiously.
Consumer complaint received 2021-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

I initially filed a dispute for a service with my bank, USAA that I had on XX/XX/2020. I was given a temporary credit for {$70.00} the amount in dispute. I have sent in lots of proof of what occurred as they asked for additional information in which I provided it to them. I use the USAA XXXX XXXX for my banking needs and I was not aware initially that correspondences regarding this dispute were even sent to me until I made the call and spoke to a representative who acknowledged that these were not provided under the app and agreed with me that they should have been. So that is an error on the banks end. I had no way of providing the information the first time without knowing what was being requested by the dispute team. So I called and had the dispute reopened and I provided all applicable documents on the app in which I have confirmation of. I called back and explained and was told I have no dispute rights. I see they are trying to reverse {$140.00} when it should only be {$70.00}. I am going to attempt to contact the bank tomorrow to further discuss with a higher department hopefully to get resolution. I was also promised a call from a dispute analyst and that never occurred. I am very disappointed in the way this dispute has been handled. It is now mid XXXX and this has been dragged out far too long. I have provided more than enough information and I want this resolved as I feel I am in the right due to the evidence and circumstances of this dispute. 

I feel that there were multiple errors during this dispute process. The bank mishandled my dispute and falsely claimed I didnt submit documents therefore the bank is in direct violation of Regulation E and is now holding me responsible due to me not providing information to the bank. All information as well as pictures and requested information was provided yet the bank failed to follow proper procedures and process the dispute in a timely accurate way.
Consumer complaint received 2021-03-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (AZ)

The company Coinbase has prevented me from withdrawing funds. It has said that I can not have more then 10 pending withdrawals at once. In the past Coinbase has also degraded or blocked my account. The company has ties to the Trump administration.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I SENT IT IN TO THE BUREAUS MORE THAN 30 DAYS AGO BUT THEY JUST IGNORED ME. IT IS INDEED MYSELF MAKING THESE COMPLAINTS AND NOT A THIRD PARTY AND THIS WAS NOT DONE IN ERROR. IT IS THE LAW TO HAVE SAID UNAUTHORIZED ACCOUNTS AND INQUIRIES REMOVED FROM MY REPORTS 4 DAYS AFTER RECEIPT AND THE CONSUMER REPORTING AGENCIES ARE BREAKING THE LAWI HAVE BEEN A VICTIM OF IDENTITY THEFT. MY INFORMATION WAS RELEASED TO THE PUBLIC VIA THE XXXX, TRANSUNION, AND XXXX DATA BREACHES AND SOMEONE WAS SUCCESSFUL IN OPENING UP ACCOUNTS WITHOUT MY CONSENT AND AUTHORIZATION. I NEED THESE ACCOUNTS REMOVED AND DELETED FROM MY CREDIT FILE IMMEDIATELY BECAUSE THIS IS SEVERELY HURTING MY REPUTATION WITH THE BANKING SYSTEM. IM STRESSED AND DEPRESSED AND I WAS TOLD TO SUBMIT A POLICE REPORT AND A FTC REPORT IN WHICH WILL BE ATTACHED TO THE THIS COMPLAINT.