davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I am writing to request the immediate removal of my previous address from my credit report. I have recently reviewed my credit report and discovered that an outdated addresses, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX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, are still listed under my personal information.
Consumer complaint received 2021-01-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mid-Atlantic Finance Co., Inc. (TX)

I sent Mid Atlantic Finance Co. a request for validation of a debt on XX/XX/2020 and they received it on XX/XX/2020. This alleged debt was already paid for and I am yet to receive a response from this company in reference to my debt validation request letter pursuant to 15 USC 1692g ( a ) of the FDCPA. They have engaged in deceptive, illegal and abusive debt collection practices.
Consumer complaint received 2021-01-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (AZ)

I received a collection XX/XX/XXXX on my credit report from a company IC SYSTEMS which claimed I owe {$210.00} to them from XXXX XXXX XXXX. I disputed this item XX/XX/XXXX informing XXXX credit bureau that this account was inaccurate this came back as verified through XXXX, which XXXX deleted as inaccurate on XX/XX/XXXX. XXXX came back as verified on XX/XX/XXXX. I then submitted a second letter asking for verification documents on my signature and contract. Once again came back as verified with no proof of such verification on XX/XX/XXXX.
Consumer complaint received 2021-01-15
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. (FL)

I have disputed the following false accounts with the credit bureaus but have not received and response : 1. XXXX XXXX account XXXX 2. XXXX XXXX XXXX account XXXX 3. XXXX XXXX XXXX account XXXX Please investigate and delete asap.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have disputed the attached account multiple times and have reached out to XXXX to remove this from my credit due to reporting inaccurately. I have circled all inaccuracies and attached it to this request. The account is reporting incorrect information, this account has been paid in full. I made contact with XXXX to make the correction, they said they would correct it but did not.
Consumer complaint received 2023-06-23
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: SANTANDER HOLDINGS USA, INC. (VA)

These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; 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 I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
Consumer complaint received 2021-01-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

I have attempted for more than a dozen times over 30 days every available means to contact Coinbase only to be advised regarding my concern, complaint, I will be contacted. Password resets are not replied to, nothing happens. Their only last resort phone line is an auto-reply to lock your account. Coinbase has effectively closed all forms of direct communication and only accepts the complaints without any form of reply other than an auto answer acknowledgement. There is no direct communication available. With $ XXXX of dollars locked up, it is infuriating. 

Imagine a Bank where there is no Branch, no phones, no ability to access your funds, and no one to complain to? You have no cheques, no proof the deposit exists, and no insurance. Would you ever deposit your money in such an account?
Consumer complaint received 2020-03-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (OH)

On XX/XX/2020, after submitting an inquiry request online, a mortgage lender from AmeriSave Mortgage Corporation called me to discuss refinance options. I was quoted a rate of 2.875 % over 15 years with {$3600.00} in closing costs to refinance my {$97000.00} mortgage. I explained to him that, with my present 3.5 % 30-year mortgage ( 23.5 years left ),  this would not make sense. 

He then proceeded to tell me that I would save about {$40000.00} by refinancing. I calculated it in XXXX and and told him that I would only save {$850.00} in payments paying over 15 years ( I could pay {$690.00} over 180 months to pay off my current mortgage, while my payment with closing costs bundled in the new mortgage would be {$680.00}, a difference of {$4.00} or {$850.00} in nominal terms ). Even looking at the life of loan payment total for my remaining existing mortgage vs. the refinance being offered, I would only save {$18000.00} in nominal dollars ( and that's paying my current mortgage over the remaining 23.5 years vs. paying the refinance in 15 years ). 

In addition to belittling me and telling me that I should trust him since he's the loan officer and I'm the consumer ( even though I'm a former XXXXXXXX with an inactive XXXX license  and current XXXX XXXXXXXX XXXX at a XXXX   XXXX XXXX with nearly 13 years of total professional experience ), he was flat our wrong and overstated my true saving by more than 40x what it would be! My concern is that he could deceive those who are not as financially savvy into refinancing based upon falsely-calculated savings in an effort to increase his closing rate.
Consumer complaint received 2023-01-16
Product: Credit card or prepaid 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: CITIBANK, N.A. (FL)

Initially when I opened the dispute, I was only disputing {$260.00} which was the amount of money worth of work not completed. However, after the dispute was filed, the grout began to deteriorate that they had installed around the XXXX  and in several other areas and the sealant no longer useful. So I called on XXXX to dispute the remaining amount of {$780.00} because the other part of the work that was performed was done poorly as the XXXX  has different XXXX, cracks in it, most of it has deteriorated in sections, there was an overuse of grout ( sloppy workmanship ) which I have had a hard time getting off my tile and the merchant is unwilling to make any additional attempts to correct the issue. This has left me with part of the work not completed ( {$260.00} ) and the remaining work poorly done as stated above and cracks/loss of grout they installed not as expected. Since informing them of this on XXXX, I have called back several times in an attempt to get a temporary credit for the difference and have a feeling that it wasn't actually filed for the difference until XXXX.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-02-07
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: CITIZENS FINANCIAL GROUP, INC. (CA)

It shows on my credit report that I open a new credit account with a balance of {$1200.00} from Citizens XXXX XXXX XXXX But I haven't open a new account
Consumer complaint received 2021-01-15
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Caliber Home Loans, Inc. (NY)

I was taken to court for foreclosure by CALIBER HOME LOANS ( CHL ) who claim to be the servicing company for XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX as trustee, However the courts found in my favor on three occasions dating from XX/XX/XXXX to XXXX XXXX It is clear the statute of limitations ( SOL ) to collect, foreclose or threaten legal action ; is six years in XXXX  XXXX  XXXX . Despite the ( SOL ) running out XX/XX/XXXX ( CHL ) continues their attempts to collect the alleged debt, place negative information on my credit report violating the Fair debt Collection Practices Act and threaten legal action by selling/ transferring or assigning the non-preforming debt. to XXXX XXXX XXXX. proving their commitment to unfair and deceptive business practices. see Court documents attached costing me over {$150000.00} in lost rents due their court action and harassment in this matter
Consumer complaint received 2021-01-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I had my wallet stole before XXXX in Louisiana. I have finally got my bank card back I disputed a charge through XXXX car rental in XXXX Louisiana for letting somebody come in with my sos my driver id and get a rental. I had no idea about this. Now the back is taking the money back out Im out of a XXXX dollars tottal for what sombody els done. Pleas help you can reach me at XXXX Im XXXX XXXX
Consumer complaint received 2020-03-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (VA)

I have had several loan modifications Wrongfully cancelled by Carrington Mortgager. I am filing this complaint to have their Loan Modification practices investigated and have my loan modification reinstated. 

I am a XXXX XXXX XXXXXXXX and XXXX XXXX Veteran. My father and I have had a lot of health issues and XXXX. We have been working extremely hard to be able to keep our home. Carrington has made it incredibly difficult and stressful to be able to save our home. They keep changing their requirements like they did for Loan Modification they approved XX/XX/XXXX and the one they wrongfully cancelled XX/XX/XXXX. 

I was approved for a trial Loan Modification XX/XX/XXXX with payments of XXXX XXXX, XXXX and XX/XX/XXXX. I completed payments and was sent paperwork to finalize loan modification on XX/XX/XXXX. They requested for the paperwork signed and notarized back by XX/XX/XXXX ( less than 7 working days. ) I got paperwork signed, notarized and sent by Fri  XX/XX/XXXX via XXXX XXXX. Tracking number XXXX. It arrived on XX/XX/XXXX and Carrington Mortgage did not receive the package because they were CLOSED due to it being XXXX XXXX Holiday. I got notice that the loan modification was cancelled due to them not receiving signed and notarized paperwork on time. I filed a dispute and showed the XXXX  dates along with it saying they were closed on XX/XX/XXXX so the paperwork could not be delivered. They still denied continuing my loan modification. My 3 payments have not been accounted for even though I have requested a detailed statement about where they are. 

They initiated foreclosure procedures again and said I would have to start the loan modification process all over again. I filed loan new loan modification paperwork XX/XX/XXXX. I then received notice dated XX/XX/XXXX that the modification had been cancelled at my request or that I no longer wished to keep my home. Both of these statements are false. I DID NOT cancel loan modification. I still want to SAVE my HOME. I made no such cancellation and them cancelling it without my knowledge or consent is illegal. 

I filed an FHA/HUD case number XXXX and was advised my ex husbands signature would not be required with the documentation provided. I included this information in loan modification request. My ex husband keeps maliciously trying to stop my loan modification when he has no say in the matter as shown by the paperwork provided. 

Documents included in the loan modification application that renders my ex husbands signature not required are included in attachments. 
1 ) Separation agreement 2 ) Separation addendum 3 ) Final Divorce decree 4 ) Signed Deed of Gift my ex husband signed 5 ) Recorded Deed ( with my name only ) 6 ) First Loan Modification done by XXXX XXXX XXXX  XXXX I am including Loan Modification paperwork, XXXX paperwork, Trial loan modification paperwork and HUD/FHA case information. Your assistance in this matter is greatly appreciated.
Consumer complaint received 2023-02-06
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: Chime Financial Inc (CA)

On XX/XX/XXXX I became aware that I was the victim of identity theft, as a fraudulent credit card was on my credit report ( tied to phone number and addresses that do not belong to me ). I immediately reported this to the police. I then disputed the inaccurate information to all three credit bureaus as well as sent them a copy of the police report ( which they have all received - as I have tracking confirmation ). I then called the creditor ( Chime Stride Bank ) to report the fraudulent account and have them close it. The Chime Stride bank call center just routes me to send information and response request to an email. I have emailed Chime Stride bank the police report of the identity theft twice. I only receive automated responses from them. I then heard from two of the reporting agencies that the creditor keeps reporting the fraudulent account as valid on my credit and therefore the credit bureaus will not remove it from my credit. I have created a report with the Federal Trade Commission and now with the Consumer Financial Protection Bureau as this creditor ( Chime Stride bank ) has been informed that this is a fraudulent account and refuses to report as such on my credit so it can be removed. They are also stonewalling me from being able to elevate it within their organization
Consumer complaint received 2021-01-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (CA)

I called to defer payment during the pandemic. Then we were still struggling and I called to set up a {$10.00} per month payment. I thought the payment was to be automatically drawn off our checking account like the first payment I made, and it was not and then I was charged a late payment to my credit report. I called and asked them to take the late payment off my credit report because I did end up paying and they said they would take it off and it is not off. Please remove this ding on my credit report. 

XXXX XXXX
Consumer complaint received 2021-01-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

CITIBANK CHECKING ACCOUNT ENDING IN XXXX IN REFERENCE TO CLAIM XXXX CITIBANK HAS ENDED THE BANKING RELATIONSHIP WITH ME, AND REFUSED TO RELEASE THE REMAINING BALANCE ( {$120000.00} ) ON THE ACCOUNT.
Consumer complaint received 2021-01-15
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (FL)

On XX/XX/XXXX, a purchase of {$310.00} was made at XXXX XXXX XXXX  XXXX in XXXX XXXX, FL on my Comenity XXXX XXXX XXXX credit card. Due to COVID-19, customers were not allowed to try on items in-store. Customers were instead informed to purchase items and return items they could not wear within 30 days. On XX/XX/XXXX, I attempted to return the items that did not fit with the original purchase receipt in-store ( items were intact, unused with tags in original condition ). 

Per customer service agent, I was informed that the merchant had filed for bankruptcy 2 days prior, and I could only be provided with a store credit ( in the form of a merchandise credit card ). Although displeased with this outcome, I accepted the card with store credit to the amount of XXXX. When I attempted to use the merchandise credit card on-line for a subsequent purchase in the amount of {$190.00} on XX/XX/XXXX, the pin code did not work. I purchased the items using my XXXX XXXX XXXX store credit card instead. I had previously attempted to use the card online as advised after my initial return on XX/XX/XXXX, and it also had not worked at that time. 

I contacted the merchant to refund my {$200.00} on my Comenity backed, XXXX XXXX XXXX store credit card as the merchandise credit card did not work. A dispute was filed, but I have not received follow-up as to the result of my dispute nor has my money been refunded to my original store card payment method. I still possess the merchandise card which should have the full balance of {$200.00} as I could NOT make purchases with it.
Consumer complaint received 2021-01-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CO)

Good Afternoon, On XX/XX/2021 I sent XXXX XRP which is the equivalent of roughly {$2000.00} USD to a digital wallet with Coinbase. The funds never arrived. The wallet address I used was correct, but the 10 digit destination tag was incorrect, 1 digit got cut off so only 9 made it onto the form and not 10. I have contacted both the sending platform and Coinbase. The sending platform confirmed this will need to be resolved on Coinbase 's end. Coinbase support responded to my ticket and told me this would take 4-5 to look into. Unfortunately, they are lacking in the customer service department. They have no service phone number, no live chat, and no means to contact them other than the support ticket. They have a small presence on platforms like XXXX and XXXX that are filled with complaints that 2-3+ months later, people 's tickets are still being ignored with not even a simple update being given. I have responded to the email chain asking for an update, and have received nothing. I have asked both their XXXX and XXXX  pages for support, and received nothing. Though it has only been a week, the overall consensus from the user population is that there is no reason to trust their support times / processes / or to even expect a resolution. I am exploring all possibilities from SEC complaints, XXXX  complaint, etc. 

The sending platform XXXX XXXX XXXX which does have a live support, confirmed the funds will be stuck in Coinbases wallet because the tag was incorrect, and that a simple re-route of funds should take less than an hour to figure out. Had it been reversed, and XXXX was the receiving party, they confirmed it would not take long to fix. The issue with the long wait times and reason I am submitting this complaint, is market volatility. I have no control to sell buy trade with these funds until Coinbases credits my account. 


Coinbase Case # - XXXX Transaction HASH ID - XXXX
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

I am writing to bring to your attention a serious issue regarding a credit reporting agency 's failure to update incorrect personal information, including names, addresses, phone numbers, and employers. Furthermore, it is evident that the agency 's actions constitute a violation of the Fair Credit Reporting Act ( FCRA ) provisions. 

I recently reviewed my credit report obtained from [ Credit Reporting Agency Name ], and to my dismay, I discovered several inaccuracies and outdated information that have not been rectified despite my efforts to have them corrected. The incorrect personal details that remain unaddressed include : Names : The credit reporting agency has failed to update outdated and incorrect names associated with my credit profile. This has led to confusion and potential misidentification when my credit history is assessed. 

Addresses : Despite numerous requests to update my current address, the credit reporting agency continues to report previous addresses that are no longer valid. This misinformation could potentially affect my eligibility for credit and create unnecessary complications when conducting financial transactions. 

Phone Numbers : The agency has neglected to update incorrect phone numbers associated with my credit profile. This oversight not only compromises my ability to be contacted in case of legitimate credit inquiries but also raises concerns about potential misuse of my personal information. 

Employers : The credit reporting agency has failed to accurately update my employment information, listing outdated or incorrect employers. This misrepresentation of my employment history could negatively impact my creditworthiness and distort the accuracy of my credit profile. 

These persistent errors and the credit reporting agency 's failure to address them demonstrate a clear violation of FCRA laws. As outlined in the FCRA, consumers have the right to expect accurate and up-to-date information in their credit reports, and credit reporting agencies are obligated to ensure the maximum possible accuracy of the information they provide. 

I have made repeated attempts to resolve these issues by contacting the credit reporting agency directly and submitting formal disputes through certified mail. However, despite providing clear documentation supporting the necessary updates, the agency has not taken any action to rectify the inaccuracies within the required time frames.