davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

When I log in to Equifax. 
XXXX XXXX XXXX XXXX XXXX I have not been able to log in at all with this message, " We are temporarily unable to complete this request. ''
Consumer complaint received 2021-03-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (VA)

Coinbase Pro disabled my account. Im unable to withdraw my money or trade. I currently have a total of XXXX $ Where {$1000.00} are available in US dollars, and the rest XXXX $ are traded in coins. I have tried contacting support multiple times and I cant get an answer. 

On XX/XX/XXXX I deposited {$1000.00} on my Coinbase pro account and received an email from Coinbase on XX/XX/XXXX saying these funds where available for me to withdraw. Additionally I have another {$400.00} and {$100.00} that they are actually traded but again, the account is disabled and can not do anything with these as well. Ive attached the only response I have received from them. I have also opened different cases all unresolved. Some they claimed it being resolved when not.
Consumer complaint received 2021-10-08
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: EQUIFAX, INC. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : ID, Identity Theft report
Consumer complaint received 2021-10-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

On XX/XX/XXXX PHH Mortgage made payment to my insurance after asking them to make payment for a few months. They finally did but the Insurance company never received it. I called PHH Mortgage over the course of the following 3 months to fix this issue, On several occasions I have spoke to agents named XXXX from insurance dept and he stated it was cancelled check and reissued to the insurance company. 3 weeks later nothing was cancelled yet but PHH Mortgage charged me a second time for the insurance. the second payment made was XX/XX/XXXX same amount of {$4500.00}, my account became negative for escrow in the amount of {$4500.00} as they never issued the refund to me or the account. to make matters worst, they transferred my account to XXXX XXXX on XX/XX/XXXX and closed my account with them as paid in full. now when i make contact with them, no one knows anything and all i get is " they are working on the stopped check to refund to me ''. its been 3 months since this incident and they have not refunded my the original charge of {$4500.00} for double insurance payment even though they have advised me the check was cancelled and not cashed by the insurance company. along the way my insurance was going to cancel and they didnt issue second payment to them until XX/XX/XXXX, so i had to make a 3 month {$1100.00} payment to my insurance company to keep my insurance from cancelling. as part of FHA rules the mortgage servicer is required to make my insurance payment on time, hence the required escrow account. i have since spoke to XXXX XXXX # XXXX, XX/XX/XXXX XXXX XXXX ID XXXX, stated the completion date of refund into my escrow account would be XX/XX/XXXX and it didnt happen. no refund issued to account or to myself. on XX/XX/XXXX spoke to XXXX XXXX XXXX and he advised they are working on refund. on XX/XX/XXXX i spoke to XXXX ID XXXX and he advised they are working on refund, after i was upset and asked for manager, he stated he could no longer hear me on the phone call and acted like there was interruption and went quite and quit responding until i hung up. i have no idea what else to do because this is an extreme gross error on their part and they are washing their hands clean with false info each time i call. i do not have {$4500.00} just laying around to give away and i would like my refund sent to me. the new mortgage company has confirmed that they have yet to receive a refund from PHH Mortgage for my escrow. please help.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX-I have never been late on a payment pursuant to 15 usc 1666b , late payments can not be reported onto an open line of credit, this late payment remark is a defamation of my good character, please remove. 

The following hard inquiries are not attached to an any open accounts on profile, nor have i given written consent for them to be placed onto my report. Pursuant 15 USC 1681 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-09
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. (GA)

ii HAVE PAST THE 6 YEAR MARK FOR ATTEMPTING TO COLLECT A DEBT AND I EXPLAINED THIS TO ALL THREE BUREAUS. THESE ITEMS NEED TO BE REMOVE IMMEADIATELY :
DEPARTMENT OF VETERAN AFFAIRS XX/XX/XXXX
XXXX XXXX XXXX XX/XX/XXXX
XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-10-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MD)

I made a my last and final payment to Comenity Bank Wayfair on the the XXXX of XXXX. They did not process the payment until the XXXX of XXXX causing the account to accrue interest and fall in to collection. The payment was absolutely made on time prior to the due date. Wayfair held on to the payment so that interest could be charged.
Consumer complaint received 2021-10-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (TN)

XXXX unable to get a response to why, online account, temporarily unavailable. XXXX, I went into XXXX Suntrust Bank XXXX @ XXXX to ask why received {$36.00} dollars overdraft fee when have no overdraft protection requested attached to account. XXXX XXXX XXXX said unable to refund. I didnt know why not. He pushes my card back throw window. I call Suntrust again ; no answers. 

I applied money prior to 5 day penalty stated on account. I pay my bills from this account and have current drafts coming out. This is wrong and scam. 
XXXX Suntrust tellers on XX/XX/XXXX state contact fraud department, XXXX ( XXXX ) XXXX, to get answers. 
I tried to contact Suntrust the entire, via phoneXXXX or email, rest of the day to strive to get questions answered. I was given the run around from number to number. One kind lady appeared to return my disconnected call, XXXX contact number, she sees I was disconnected and was looking for answers. 
XX/XX/XXXX received call from XXXX ( XXXX ) XXXX ext XXXX, XXXX XXXX. 
I returned and called XXXX XXXX ,4-5 times; left messages after she called me on XX/XX/XXXX @ XXXX. All Suntrust phone line system dropped my calls after told your wait is 25-30 minutes and recording. I have received no check of monies refunded within mail as they stated on one occasion via phone, XX/XX/XXXX. I have received no email or letter mail statement of my accounts on regular. I requested paper trail due to this scam antics. I then, asked for copy of accounts, printed off. This is the worse service ever and nothing is truist or trustworthy about this. Wow, this is unlawful and unacceptable. If I were white would this be happening. Systematic and respect of person. 
May XXXX have mercy. Thank You, XXXX in advance.
Consumer complaint received 2021-10-08
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)

On XX/XX/2021 sent a letter regarding inaccurate and unknown 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 disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives 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 deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (UT)

Debts reported for {$1700.00} and {$1000.00}. Company agreed to delete. Account closed and fraudulent charges. XXXX XXXX XXXXXXXX XXXX  agreed to write off balance as fraud.
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

According to my XXXX credit report I have a missed payment XX/XX/XXXX. I've never had this and just recently had the company remove a late payment XX/XX/XXXX and yet it is still reporting to XXXX only. Between the 3 credit bureaus all 3 have different reportings.
Consumer complaint received 2021-10-08
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: DISCOVER BANK (PA)

Today XX/XX/2021 around XXXX XXXX  someone from Discover credit card called my place of employment, the phone call was transferred to my desk, I picked up the phone and identified myself, then the caller explained to me the reason for the call, after that, I told her that I was at my place of employment and that I was not in a private place to talk about my debt and that I was not allowed to take personal phone calls, ( XXXX XXXX XXXX XXXX XXXX XXXX  but nothing that I said stopped her from trying to go over my debt and options that they have for me. I had no other option than to hang the phone call. Then, my co-workers began questioning me what the call was about. 
I enrolled with -XXXX XXXX XXXX- because my debt was getting out of control. They told me that is illegal for them to call my job and that I should report any debt collector that called my job. I just want them to stop calling my job. I Called Discover to inform them that I have enrolled with XXXX XXXX XXXX and that it will take time until we reach an agreement. All I need is help to stop Discover from calling my place of employment.
Consumer complaint received 2021-10-09
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: EQUIFAX, INC. (OH)

This collections account has been negatively reporting on my credit profile for a while. Several FCRA violations, but have yet to remove this item. The account dispute has also been going on for longer than 30 days. As per FCRA ..... 

Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days. ... If the review isn't complete because, as commonly happens, a data furnisher doesn't get back to the credit bureau in time, the agency is obligated to remove the disputed record.
Consumer complaint received 2021-10-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (PA)

Deposited a regular paycheck, that has NEVER bounced, on XX/XX/XXXX and Wells Fargo put a hold on funds until XX/XX/2021. Since then, they have rejected regular payments twice and charged a {$35.00} fee each time. I have called in twice to request funds be released and they say that criteria has not been met. They did say I would be reimbursed for all the {$35.00} fees charged from XX/XX/XXXX - XXXX ... in the meantime, my creditors have dinged my payment history.
Consumer complaint received 2021-10-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Im trying to buy a house for my family and in the process of me buying a house when I pulled my report. I seen all these ridiculous false accounts on my report so, I sent certified letters to all 3 credit bureaus addressing the the accounts Im questioning. They are not accurate and thats not fair they putting this on my credit report and its hurting me. Im attaching all the letters I sent out and the return receipts and proof of my identity. i wrote these letters on XX/XX/2021.
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Attached is the image of unauthorized inquiries on my credit report with all credit bureaus. 

The unauthorized inquiries are : XXXX inquiry from XX/XX/2021 XXXX inquiry from XX/XX/2021 XXXX XXXX XXXX inquiry from XX/XX/2021 XXXX inquiry from XX/XX/2021 XXXX Inquiry from XX/XX/2021 XXXX  XXXX inquiry from XX/XX/2021 XXXX XXXX inquiry from XX/XX/2021 XXXX - Auto Finance inquiry from XX/XX/2021 XXXX XXXX XXXX XXXX inquiry from XX/XX/2021 XXXX - Card Service inquiry from XX/XX/2021 XXXX  XXXX inquiry from XX/XX/2021 XXXX - Auto Finance inquiry from XX/XX/2021 XXXX inquiry from XX/XX/2021 XXXX XXXX XXXX XXXX inquiry from XX/XX/2021 XXXX
Consumer complaint received 2021-10-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I have reach out to XXXX, Equifax, XXXX to investigate the public records each has listed on my credit reports. This items was not reported to the credit bureaus from the original creditors and therefore was not verified through any investigation. I submitted documentation to each of the credit bureaus from the courts stating they DO NOT report to any credit bureaus. 

I've submitted several claims. The last communication was received on XX/XX/21 and the letter I received from them was dated XX/XX/21. Verifying that they verified the claim with the original creditor. I reached out to them to ask whom they spoke with, the persons job title, and phone number they used to contact the Courts and was not provided any of the requested information. 

The credit bureau has been evasive on providing information in regards to their investigating.
Consumer complaint received 2021-10-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Im trying to buy a house for my family and in the process of me buying a house when I pulled my report. I seen all these ridiculous false accounts on my report so, I sent certified letters to all 3 credit bureaus addressing the the accounts Im questioning. They are not accurate and thats not fair they putting this on my credit report and its hurting me. Im attaching all the letters I sent out and the return receipts and proof of my identity. i wrote these letters on XX/XX/2021.
Consumer complaint received 2021-10-08
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. (FL)

This item was included in my Chapter XXXX Bankruptcy that was discharged. I gave the accurate information to the company, XXXX XXXX I, XXXX, called them and told them, called and sent the information to Experian, and the account still is on my account as a " Collection Account. '' The debt buyer is claiming an OPEN BALANCE of {$5000.00} from the original debt they bought. However, the balance was DISCHARGED in my Chapter XXXX Bankruptcy and I DO NOT OWE that debt. XXXX XXXX I, XXXX is reporting the balance as an open Collection Account that I owe to them in the amount of {$5000.00} from the original debt that was discharged. I told them this and to verify it has been discharged and sent them proof and they still report it. 

The XXXX cards and accounts I had have ALL been discharged through my Bankruptcy, and as a result should NOT be showing as a collection account. 

A debt buyer bought a XXXX account that was discharged in XXXX, but they are claiming the account as unpaid and open as a Collection Account AFTER my XXXX discharge. This is incorrect and needs to be REMOVED. 

ALL of my debt was DISCHARGED in the XXXX, including this account.
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

My Chase credit card began to be swiped for several weeks on XX/XX/2023. I only found out on XX/XX/2023 that almost more than XXXX XXXX US dollars had been swiped from the card. When I found out, I immediately called Chase Bank and told them that my card had been stolen. They also helped me change a new bank card and refunded the money on XX/XX/2023. It wasn't until last month that I discovered that my bank credit card account had been rebilled. I also called Chase Bank to inquire. They said that through investigation, they found that the stolen money was used by me. I told them that it was not used by me. There are places Ive never been to where I wouldnt spend money. Chase bank said that it would open another file to help me investigate. It was not until yesterday that I received a letter from Chase about the investigation results. Chase once again said that through investigation, it was found that I had used it and could not help me get the money back. I am very disappointed. I have used Chase bank cards for almost XXXX years, and this is the XXXX  time I have found that they have been stolen. However, their investigation methods make me feel that they are very casual and do not seriously help us consumers. I hope cfpb can help me recover my stolen money. I'm still a student and there's no way I can pay back the money that was stolen.
Consumer complaint received 2024-03-27
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: EQUIFAX, INC. (TX)

I am writing to follow up on the dispute I recently submitted regarding the negative accounts listed on my credit report. Despite my efforts to address these discrepancies, I have not yet received a satisfactory resolution to this matter.
Consumer complaint received 2021-10-08
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: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MN)

I purchased a home in XXXX for and paid 21 % of the purchase price, which is above the required escrowed amount. At the time, I was told that it could be removed at anytime since I had over 20 % down payment. In XX/XX/XXXX, my mortgage was sold to MR. COOPER and since then I have requested three times to have the escrow removed. They refused to remove me from escrow. They also claim I need to have 5 years of payments in good standing, or at least 20 % down on my original mortgage, NOT the purchase price of my home. But no worries, for me to get our of escrow, they are going save the day by offering to refinance my mortgage with them. This of course would allow me to get out of escrow. Oh, how convenient for them, and also unethical. Thus, I reached out to a third party mortgage agent, who confirmed that this is UNTRUE and never heard of such a situation relative to my issue. Additionally, she also relayed that several mortgage companies confirmed with her that have cut relationships with MR COOPER due to unethical business practices. WHEN I refinance, it will not be with MR COOPER. DON'T DO BUSINESS WITH THESE UNETHICAL PEOPLE, THEY NEED TO BE INVESTIGATED!
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

Please remove hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-08
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. (CA)

On XX/XX/2021 I received an email from Experian stating that I have placed an " Extended Fraud Victim Alert ''. I have never authorized this to be placed on my report. I spoke with a representative named XXXX from Experian on XX/XX/2021 at XXXX PST to inquire about this fraud alert. I stated I never authorized this action and he said " it didn't matter because there is nothing I can do ''. He told me that I would have to mail them documents and prove myself in order to lift this Fraud Alert. He did not provide information as to when I requested this alert or the process taken to make this happen. This constitutes aggressive Identity Theft on the part of Experian. They are unwilling to fix an issue that they created. I have been attempting to fix many violations and this is an additional one. It is becoming a clear pattern of harassment on the part of Experian for violating my rights. Pursuant to 15 USC 1681b ( a ) ( 2 ), I have never given Experian written permission to place a " Extended Fraud Victim Alert '' or furnish " XXXX XXXX XXXX XXXX '' onto my credit report.