davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Mr. Cooper Group Inc. (ID)

I am trying to change the parcel boundary for my property for which Mr. Cooper now owns the mortgage. This is my saga : XXXX Sent email to Mr. Cooper requesting help changing the parcel description within my title XXXX Called contact center, couldn't get a human. 
XXXX Called contact center multiple times, tried different auto options, couldn't get a human XXXX Messaged coorespondant via website messager- he did not understand what I was requested and couldn't get me a phone number for a human to discuss XXXX Filed complaint on Mr. Cooper website trying to get someone to call me XXXX Finally called the Modifications department and chose options that I needed to modify my loan. FINALLY got a human, but she tried to just get me to email the research team ( the one who didn't get back to me on XXXX ) - She stated they sent me an application on XXXX, however it was not in my email nor was it in my junk. She " re-sent '' it and I finally received today. She said to email it to the Subordination department, but couldn't give me a number for a HUMAN in that department. They only take emails or mail. 

I am a XXXX XXXX XXXX highly educated XXXX. If this is difficult for me, I can't imagine how others feel. How is it that I can not get a HUMAN BEING to discuss my request? In the attempt to decrease overhead, Mr. Cooper has made it almost impossible to get ahold of a real HUMAN.
Consumer complaint received 2023-10-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (PA)

I have fallen victim to identity theft this past year and have been experiencing a problem with Coinbase and my cryptocurrency  held there. I have lost access to numerous email addresses, phone number, and accounts due to the theft. I have contacted Coinbase on numerous occasions making sure they had all of my updated info, at the end of every call I made sure that there was only one email address that was being used for my one account held there to eliminate any confusion in case this happened. I was assured each time that yes only one email was associated with my account. I am being told now that I have multiple accounts and im being asked for the details of those account to close them. I don't remember all those details because as I said before I've had to change so much. I need access to my account period I have waited snd waited. I have over 1000 transactions I've placed there and I need the completed details of absolutely everything. I haven't been able to file my taxes because of this matter. I was told they would have an update for me and would have access by the end of XXXX, and here we are at the end of XXXX. Something needs to be done asap. I need access.
Consumer complaint received 2022-05-31
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. (MD)

I enrolled in Experian 's Boost feature on their website, connecting my bank accounts so that streaming service payments could be identified and reported as payments on my credit report. The goal is supposedly to boost your credit score by a few points - at least that is what Experian advertises ( https : XXXX  XXXX ) and heavily promotes. 

But my accounts have not been added and I have not received any of the promoted " boosts '' to my credit score for regular payments. When I called today, Experian customer service stated that I had to have utility bills, streaming services, or phone bills to qualify, and that those services had to have been paid three times in the last six months. 

My streaming services are : XXXX -paid XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX - all in XXXX. 
XXXX - Paid XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX- all in XXXX  XXXX XXXX  account # XXXX - paid XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - all in XXXX XXXX XXXX account # XXXX - paid XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

None of these accounts have been added to my credit report as promised even though I have exposed my bank account information to Experian on their promotion and advertisements that I would. 

The Experian website states that the bank connections from XXXX XXXX to Experian were successful, so there are no connection issues. 

When I called I was told there was no " guarantee '' that these would be placed on my credit report but the advertising and promotions say otherwise.
Consumer complaint received 2023-06-24
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. (NV)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$250.00} ; XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$1900.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$6600.00} ; XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

In accordance with the Fair Credit Reporting Act this creditor XXXXXXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX & XX/XX/XXXX ) and XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX ) has violated my rights. 
15 USC 1681 section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 ; it also states a consumer reporting agency can not furnish an account without my instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for and purpose.
Consumer complaint received 2022-05-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (OK)

I contacted XXXX the " originating '' company and they said they can't find any debt that matches the one on my credit report. they said they can't stop if it they can't find it they said their account numbers are 10 digits and this one is 8 on my credit report from some scam collection agency. 

I have had XXXX phone service and XXXX since XXXX I never had XXXX. 

XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, WA XXXX I filed a dispute with XXXX they change the amount from XXXX to XXXX said it was a new amount so valid. 

This is 100 percent FRAUD not my account. Please help Account name CONVERGENT OUTSOURCING Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2000.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$0.00} Original balance {$2000.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-05-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (IL)

Since the onset of the forbearance plan ( XXXX of XXXX ) and the COVID pandemic USbank had assured me on MULTIPLE occasions that when the forbearance expired the bank would have SEVERAL options to help us stay in our home. We had talked to multiple " Relationship Managers '', and various people from USBank, our Relationship Manager changed multiple times. When the first year began to expire and I touched base to figure out my options, I was given two options. One option was to have a separate loan for the forbearance amount ON TOP of our regular mortgage payments. So we would be paying more. The other option was to add the forbearance plan on the back end of the mortgage, our mortgage payments would increase. These were very disheartening options because the only thing I had reiterated EVERY time I talked with a USbank employee was that I needed a lower mortgage payment. She had then directed me to a local branch to talk to a mortgage lender to see what the possibilities of refinancing would be, obviously after the fact of COVID, and with no relation to hardship. Which I will point out no one ever got back to me locally. So after about two frustrating phone conversations, I had received a call from USbank about a mortgage assistance program ( XXXX of XXXX ). We were sent the paperwork, gathered all the necessary information and even extra to show our hardship. When we received a call after submitting the paperwork, we learned that we should not have received the mortgage assistance plan until after the first day of the last month of our forbearance. It was during this phone call when everything was explained in detail that made sense, and the woman made extensive notes on our file so the next person we talked to would have a better understanding of what we had gone through. Finally, we come to the last phone call, in which we were given four different options, including filing for the mortgage assistance program. Unfortunately the best option for us is still not adequate. Our monthly mortgage payments dropped by over {$100.00}, but its still not affordable to us. Our interest rate dropped by nearly 2 % which is a decent amount over the life of the loan. And the language USbank insists on, for us to state our hardship is over, just to be eligible for any of their programs is false and counter productive. It is very much a loophole USbank is forcing us to admit so in the future the bank wont be held accountable if we struggle and try and get more help. I am truly disgusted with the banking industry in this country, the amount of freedom to profit off the American people, while still having the ability to strong arm the government into endless bailouts is abhorrent. In the end I contacted our Congressman, XXXX XXXX XXXX, who referred us to the CFPB for further assistance.
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (MN)

They say I charged and I say I paid cash. I have been trying to get them to talk to me and help me with the for a while. It happened in XXXX and they keep having excuses for why they keep charging me. I even sent extra money to make them stop and they wont! 

This is for Comenity bank - Maurices
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the rights to privacy 15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency connot furnish an account without my written instructions
Consumer complaint received 2017-07-31
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. (SC)

XX/XX/XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX RE : CREDIT COMPLAINT LETTER To Whom It May Concern : I received a copy of my credit report and am disputing information concerning my payment history. Accordingly, I am requesting that you investigate my dispute and add the attached historyof payments to my credit file under the Fair Credit Reporting Act, 611 ( a ) [ 15 USC 1681i ( a ) ]. Please check the following accounts again accuracy. These accounts were removed from my credit report on the following months. XXXX XXXX removed from XX/XX/XXXX ( 30 day late removed ) dated on XX/XX/XXXX, XX/XX/XXXX ( no longer reported as 30 day late ), and XX/XX/XXXX ( Charge off removed ) credit reports. XXXX XXXX XXXX removed XX/XX/XXXX ( Charged Off Removed ) dated on XX/XX/XXXX and XX/XX/XXXX ( Charge off removed ) credit reports. XXXX XXXX XXXX XXXX ( XXXX ) removed XX/XX/XXXX dated ( Charge Off Removed ) on XX/XX/XXXX. Because the inaccuracies were not corrected, I could not get a mortgage loan and a car loan for my daughter. Not only that but your agency has taken away so much time and stress that was unnecessary. I have spent hours, days and years sending in documents and you fail to clean up my credit file. After explaining why and how the items were removed, one of credit bureau associates refused to dispute/delete the inaccuracies ( XX/XX/XXXX ). I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. Additionally, if you contact any entity ( person or company ) in order to make the necessary updates, please provide the names, business address and telephone numbers so that I may follow up directly if needed. I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. Thank you for your assistance. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SC XXXX Social Security # XXXX
Consumer complaint received 2022-05-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NH)

I made two one time payments with a company XXXX for {$25.00} each totaling {$50.00} the company XXXX then turned around and charge $ XXXX and $ XXXX a few days later I have gone back and forth with Chime my bank telling them this wasnt authorized and they refuse to give me my money back. They want supporting documents on a charge that I didnt authorize they didnt exactly give me a receipt for the charge since as I said it was not authorized. Ive rebutted the decision of which each time is denied about 5 minutes after submitting the request. So no actual investigation is happening into the matter. I need help and its appalling that I need to reach out to you so that MY bank gives me MY money back.
Consumer complaint received 2022-05-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I was scammed out of {$3400.00} by a XXXX imposter! I reported it to Bank America and they denied my claim. I am XXXX yrs old and the scammer told me my bank acct had been breached and showed me where money had been taken from my account ( lie ) to get me to send a XXXX transaction to a third party,. I did not know what that was until it was too late, This happened on XX/XX/2022 by XXXX XXXX at XXXX XXXX. This is devastating to me as I am XXXX XXXX XXXX XXXX XXXX XXXX  only and all the savings I had. Please help me get my money back, please!
Consumer complaint received 2017-07-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (PA)

The company took {$1400.00} from my checking account before I agreed to the terms. There was no third party verification and the supervisor was pressuring me and trying to intimidate me into paying {$4500.00} which I explained that I could not afford. I told him I was no longer interested in the payment terms. I then went online and paid the past due amount to American express on the XXXX of XXXX, 2017.  The next day, on the XXXX, of XXXX 2017, XXXX XXXX , XXXX. took the {$1400.00} out of my checking account without my authorization with a check that appeared to be written by me.
Consumer complaint received 2022-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

After opening an account with Bank of America my business deposited $ XXXX into the account and was told that there would be a hold on the account because the account was new. It has been over a year and any time we deposit funds over this $ XXXX there is an unreasonable hold length for 10 days which is not feasible for us to manage our business. On XX/XX/XXXX we deposited $ XXXX from the same vendor that we have always deposited money from for which they are telling us that funds are on hold until the XXXX of XXXX. This is unacceptable for a business ' checking for which we have to run payroll for employees.
Consumer complaint received 2019-06-28
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Law Office of Edwin B. Parry (UT)

My daughter received a debt collections notice on XX/XX/2019. We paid another debt with this same company in XXXX of XXXX. We believe they are trying to charge us with this debt twice as the new debt they say we owe is from XXXX. why was it not included in the medical debt we paid in XXXX of XXXX as they say it was from the same provider. Edwin Perry law firm said we had to respond in 10 days. We sent them invoices showing we paid and they got back to us on XX/XX/XXXX at approximately XXXX XXXX saying if we paid today it would be XXXX. The bill in question is for XXXX If we did not they were going to file a lawsuit with the court and it would be minimum of XXXX. It does not seem fair they can give us 4 hours notice to review the information to avoid an extra XXXX charge.
Consumer complaint received 2018-09-30
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. (CO)

XXXX, XXXX, and Equifax are showing the only ADVERSE ACCOUNT on my credit report to be a XXXX XXXX credit card which I do not have and have never had, a XXXX XXXX credit card. 
On a phone call with XXXX they confirmed that the SSN for the XXXX XXXX account did not match my own but they have not removed the false information from my credit report. I have made the same complaint to XXXX. They know the charge is not mine but have yet to remove it. 
It has been almost a year since I have contacted them and they still have yet to remove the data from my report. 
These agencies have caused me serious distress and have lawlessly disobeyed the requirement to remove false data within 30 days of confirming the inaccurate information.
Consumer complaint received 2017-07-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (NE)

Opened a Wells Fargo Everyday Checking account on XXXX XXXX, 2017. Account had a {$250.00} bonus as long as one of the two following conditions were fulfilled : Within 60 days of account opening, either make 10 purchases/payments with your Wells Fargo Debit Card or establish a qualifying Direct Deposit of an accumulated {$500.00} or more to the consumer checking account opened for this bonus offer. WF claims " We will deposit the bonus into your new checking account within 45 days after eligibility and qualifications have been met. '' I made a direct deposit on XX/XX/XXXX and completed 10 debit purchases on XX/XX/XXXX, which cleared by XX/XX/XXXX. It is XX/XX/XXXX, 100+ days after first completing the requirements, and I have not received the bonus. I have attached my opening email and a statement from XX/XX/XXXX.
Consumer complaint received 2023-04-19
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : BankruptcyXXXX Case Number : XXXX, XXXX - XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX  XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX  Date of XXXX : XX/XX/XXXX
Consumer complaint received 2022-05-31
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: Affirm Holdings, Inc (NY)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"