davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX. 
XXXX I have reached XXXX XXXX Credit dept and all XXXX credits bureau to remove the delinquent filed by XXXX XXXX XXXX of XXXX, after the account was paid for bogus interests. 

Here 's the scenario, XXXX XXXX purchased XXXX XXXX XXXX XXXX Card. XX/XX/XXXX, I paid the entire balance in full with a due date of XX/XX/XXXX. I always paid my store account XXXX XXXX XXXXXXXX in full and had no issued. 

I was told by XXXX XXXX customer service, because I did not contact them for a payoff after the balance paid I owed interests from XX/XX/XXXX to XX/XX/XXXX in the amount of {$34.00}. 
XXXX XXXX did not attempt to reach me by phone, or my current address. 

First notice received on XX/XX/XXXX contacted XXXX XXXX and paid the amount due on XX/XX/XXXX. XXXX XXXX file delinquency on XX/XX/XXXX and refused to remove it from my credit history. 

I have exhausted all avenues to resolve this issue. XXXX XXXX report is incorrect as there was no balance due on my XXXXXXXX XXXX XXXXXXXX account. XXXX XXXX added an additional interests daily to a XXXX balance account and refused to return the money or remove the incorrect information on my report. 
I am unable to refinance my home because of this delinquent on my credit history. I worked hard to keep my credit current, now due to the greed of XXXX XXXX my credit has been tarnished for seven years.
Consumer complaint received 2024-06-07
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Shellpoint Partners, LLC (CA)

This is a complaint against Shellpoint /Newrez who has levied a 30 day late notice in error, which has adversely affected my credit rating. 

I received a notice that a late charge was being posted to my account. I called on XX/XX/XXXX to inquire about the notice. I was told that they had made a mistake and would waive the late fee and late notice. They did waive the late fee but did not remove the late notice. They proceeded to report me 30 days late to the credit agencies. This was a 30 year mortgage which I paid off in 15 years with no late payments. I had made several attempts to resolve the issue. The phone agents all acknowledged the error and submitted complaints to resolve. 

Please refer to attachments : XXXX statement ( XXXX XXXX ) shows no amount due. This was not unusual as I had been making extra payments and had received many other no amount due statements previously. The XXXX statement ( nr XXXX ) shows a payment amount due which I paid immediately. The XXXX statement ( nr XXXX ) shows no payment due and no late fees posted year to date. NewRez loan history attachment shows the late charge posted ( XX/XX/XXXX, due XX/XX/XXXX ) and waived XX/XX/XXXX ( after my phone call ). I payed the loan off XX/XX/XXXX ( paid in full eff XXXX ) on a balance that was less than a regular monthly payment. 

It is clear there were no late payments. I am requesting the late payment notice be removed from my credit reports. I appreciate any help in resolving this issue.
Consumer complaint received 2024-06-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (IL)

I invested total arround XXXX. 
So this is what happen : I had a few coins include XXXX specific coin that I lost all of the money on, name is XXXX coin. 
That coin started to drop rapidly and within XXXX day it lost all of its value. 
It went from XXXXXXXX XXXX per coin to XXXX. 
Problem is during that day while I was buying and transferring other coins the app didn't allow me to buy it before goes up. 
So I ended up with XXXX XXXX left on my account. 
After few days I bought it for a few thousands more, but now that coin can not be cashed out at coinbase. 
Since I bought it last time it went up to XXXX but I wasn't able to cash out because the app doesn't support buying or selling that coin, it shows me that I have money on the account but I can't use it. 
Now it is back again to XXXX I will send you some screenshots of what I am talking about if needed. 
Thank you
Consumer complaint received 2023-01-20
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. (FL)

In Accordance with the FCRA section 611 ( for inquiries ) this companies violated my consumer right, I did not authorize nor have anything to do with the following inquiries. 

XXXX. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

The dates XXXX XXXX. Spoke to and sent letter requesting removal of incorrect information. 


I am writing to clarify an issue with my credit report. During the COVID-19 pandemic, my mortgage with XXXXXXXX XXXX was placed in forbearance due to financial hardship. Later, my mortgage was transferred to XXXX XXXX XXXX, and it has remained in forbearance with XXXX. 

I understand that during the forbearance period, my mortgage servicer is required by law to report my account as current to the credit bureaus, even if payments are temporarily suspended or reduced. Therefore, any late payments or delinquencies should not have been reported to creditors during this time. 

However, I have noticed that my credit report shows late payments from XXXX during the period of forbearance. This information is inaccurate and is negatively impacting my credit score. I would appreciate it if you could investigate this matter and make the necessary corrections to my credit report. 

Thank you for your attention to this matter. If you require any additional information or documentation, please let me know. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-13
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. (GA)

XXXX XXXX is reporting false statement to my credit report damaging my credit. We both agree to settlement agreement on the on paid balance of {$540.00}. the settlement agreement was for {$270.00} leaving me unresponsible for the difference of {$270.00}. 

XXXX XXXXXXXX is reporting they took a full write off of {$540.00} on to my credit report. 

I sent this documentation to XXXX, and they still reported the way XXXX XXXX it to be on my credit report.
Consumer complaint received 2019-12-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNT IN MY NAME FRAUDULENTLY : USAA SAVINGS BANK # XXXX OPENED : XX/XX/2015 AMOUNT. {$6000.00} I HAVE ENCLOSED A POLICE REPORT AND ID THEFT REPORT.
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I sent a letter to you disputing these items as erroneous and fraud on XX/XX/2021 and mailed them. I received notice in the mail that you received the dispute letter. It is now XX/XX/2021 and I have not received a response from you. You have not complied with the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ),
Consumer complaint received 2019-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NV)

Wells Fargo charged me 4 overdraft fees for {$35.00} each. First, an accidental payment for {$1300.00} was returned NSF ( fee charged ). But first, they deducted it, causing 3 other items to overdraft, charging me 3 additional {$35.00} fees, then returned the XXXX to my account, but now I am STILL {$130.00} down due to their banking practice. If the item was returned, the money was there for the other payments. The other issue is with it " appearing like '' your account will overdraft, so they charge you a fee. There is a class action suit for that now.
Consumer complaint received 2019-12-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IN)

My mortgage is currently being serviced by SPS. SPS has hired XXXX XXXX XXXX to proceed with foreclosure action on my home. SPS has set a foreclosure sale date for XX/XX/XXXX. SPS has refused to offer any loan modification assistance, which is a violation of CFPB law. SPS has also refused to offer FHA face to face meeting to mediate, which violates Qui Tam and obstructs the Federal Government. SPS has refused to offer assistance to mediate per IN 32-30-10.5, which is a violation of IN state law. SPS also never served me with the foreclosure notice, thus violation IN civil lawsuit procedure. Overall, I feel like SPS is trying to steamroll me through the foreclosure process. I want to save my home and I am seeking your assistance on this matter.
Consumer complaint received 2020-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX I.C. SYSTEM, INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious I.C. SYSTEM, INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-01-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NJ)

On XX/XX/XXXX I applied Old Navy Visa and was approved. However I never received the card and when I call them they said they sent the card to my I address. Asked them to verify the address but told me it was priveledged information. They also told me the card was cancelled. I went back to the store and paid the amount due through a debit card but they refused to give a receipt or even email it! This was XX/XX/XXXX and the person who processed this payment was XXXX and her id was XXXX. Up to now I never received a card in the mail or the orignal bill. Instead I receved a bill for late payment of {$26.00}. I call the number on the bill but they said there is nothing they could do and it would take a very long time to speak to supervisor or manager. They hang up and the person I talked was XXXX id XXXX.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

I had multiple unauthorized charges and then one day they took my card for me for a full year! Ive been banking for over 15 years with Wells Fargo. Just recently I had an order that never was received and cant contact the company so I called my bank to reverse the funds. 3 months later the money was taken back out and still no outcome to resolve this. Even before they reversed something saying I recieved double credit from something on XXXX which was like {$300.00} and I didnt and it never got resolved
Consumer complaint received 2019-02-11
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. (GA)

CFPB is full of complaints about XXXX. On information and belief, XXXX entered into a settlement agreement for previous bad deeds involving their interaction and conduct with their customers. I have previously attempted to get this matter resolved with XXXX. I recently was contacted by the XXXX CEO Office who indicated they would contact me within two days, that was some weeks ago, and to date I have heard nothing back. I have attached four XXXX XXXX from XXXX, Cancelling Debt. The issue of a XXXX to the IRS acknowledges XXXX has abandoned all claim to the alleged debt. I previously disputed the debt and provided XXXX verifiable evidence that the debt was based on fraud and not my obligation. I provided XXXX all the law enforcement reports associated with the fraud that I had obtained. XXXX ignored all the evidence and continued to pursue collections. In every case, on each of the four credit cards, XXXX overcharged me for late fees etc. 
XXXX was caught by CFPB and was required to issue refunds. However, XXXX continues to attempt collections on an Abandoned Debt wherein they issued [ 4 ] XXXX XXXX to me and provided the same to the IRS. After XXXX issued the XXXX XXXX, they continued to report PAST DUE amounts associated with each credit card. As of XX/XX/2019, XXXX continues to report Past Due amounts on the four credit cards and is attempting to collect.
Consumer complaint received 2024-06-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (PA)

XX/XX/scrub>XX/XX/XXXX - Initiated transfer of account balance due to current offerings of Marcus changing and no longer being happy with Marcus. Looked to move our savings

elsewhere.XX/XX/XXXX - Transfer reversed and account locked/frozen.
Was told by Marcus XXXX that I just needed to verify that I was the account owner and that I was the one who initiated the transaction. Was then advised that I just needed to transfer the money to an already connected account and not a

new account. XX/XX/XXXX- Initiated Transfer
to an already established funding account of the entire balance as I was advised by the Marcus XXXX.

XX/XX/XXXX - Transfer reversed and account locked/frozen. Was told by another Marcus XXXX that even though I had verified initial request onXX/XX/XXXX that I needed to re-verify and then was told to break up the transaction to two established funding accounts and not one large money movement to one funding account.XX/XX/XXXX - Initiated phone call for account closure due to this entire week long ordeal. Final money movement was initiated by an XXXX XXXX XXXX for Marcus of the account balance to an established funding account that has been on the account since creation. During this conversation I was asked what my savings goals were and what my intent was for the account because Marcus likes account holders to keep money in there for long term goals/plans. This made it sound like my money was being held hostage just so Marcus could keep the account and was not going to give me access or the ability to move my money how I see fit. After this it only made the decision to leave Marcus sound even better.

XX/XX/XXXX - Transaction initiated by Marcus XXXX was reversed, account locked/put on hold. Once again because of the large money movement I needed to verify that I was the one who initiated the transfer ( even though I went through the verification process with the XXXX XXXX XXXX ) and was once again asked what my goals/plans were with the Marcus account because the savings accounts are supposed to be for big financial goals or savings.

This is now a week long back and forth answering the same questions/verifications. I dont have access to my money with Marcus as they keep holding it to keep it in their own accounts. I want to be done with them and I want my money transferred out. Ive never had such a horrible experience with a banking company. This has been horrible. I cant even move my money if I initiate the transfer on the phone with one of their own employees without it getting reversed. What if I needed this money for a true emergency? Savings accounts are used as an emergency fund for millions of people. Even if the account was open a short period of time things happen to where people need access to their money no matter the duration of the account existing.
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: Experian Information Solutions Inc. (FL)

I'm writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX  XXXX XXXX, Fl XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Please remove all other addresses off my report, as they are not reportable as per the FCRA, since they are inaccurate. 
I also requesting to remove negative accounts from credit reports which never belong to me. 
XXXX  XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX - XXXX opened XX/XX/XXXX XXXX XXXX XXXX - XXXX opened XX/XX/XXXX
Consumer complaint received 2020-06-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX. INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2017-05-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Machol & Johannes, LLC (ID)

In  XXXX   XXXX , I was in the process of applying for a home improvement loan and found that there was an unknown credit card through  XXXX  on my credit report. I had called and disputed the card and charges, which at the time was approximately {$2700.00}, and after that did n't think anything of it since I was told I would get a phone call if there were any other questions. In about  XXXX  of  XXXX  I called to check and make sure that there was no longer an active account in my name, at that time I was told that someone had called and claimed responsibility for the debt the day after my initial dispute. I continued to dispute the charges and they told me that since someone took responsibility the dispute will come back denied each time I put it in. I have received a collections notice from the agency representing them now and am still disputing the charges which are now {$2900.00}.
Consumer complaint received 2023-01-13
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX the best of my knowledge, all of the above inquiries are fraudulent as I am a victim of identity theft because I did not make these hard inquiries, and I would like them terminated.
Consumer complaint received 2019-12-21
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. (WY)

Re : Unauthorized Credit Inquiry Dear Sir / Madam I recently obtained a copy of my credit report from XXXX. It indicated that a credit inquiry was made. ( XXXX/XXXX    XXXX, FLXXXX ( XXXX ) XXXX ) However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 
Please have this inquiry removed from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. 
Please forward any documentation that you may have in regards to the removal of this credit inquiry. 
Conversely, should you find that I am remiss and my authorization was in fact obtained for making this credit inquiry, I would appreciate any such documentation of that. 
Thank you for your prompt assistance. 
Sincerely, XXXX XXXX