davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-12
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. (AR)

Dear Equifax, I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : Inquiry from XXXX on XX/XX/XXXX. 
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately. 

Inquiry from XXXX on XX/XX/XXXX. 
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately. 

Inquiry from XXXX on XX/XX/XXXX. 
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately. 

Inquiry from XXXX on XX/XX/XXXX. 
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Consumer complaint received 2022-05-03
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: Convergent Resources, Inc. (PA)

in accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights.

15 USC 1681 Section 602 States that I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written 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 purpose.
Consumer complaint received 2021-12-07
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: Experian Information Solutions Inc. (FL)

I have unauthorized inquires on my Experian, XXXX and XXXX report. I have sent them a letter stating these inquiries were not authorize by me and to please have them removed. They have yet to remove the unauthorized inquiries. I totally understand under Section XXXX ( a ) ( XXXX ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to XXXX parties they are damaging my reputation and credit worthiness. 
The FCRA states that the only permissible purpose for pulling someones credit is for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Order
Consumer complaint received 2021-12-07
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

CAPITAL ONE BANK Date Opened : XX/XX/XXXX Amount {$250.00} Created FTC Report to All Credit Bureaus US DEPT OF EDXXXX Date Opened : XX/XX/XXXX Created FTC Report to All Credit Bureaus US DEPT OF EDXXXX Date Opened : XX/XX/XXXX Created FTC Report to All Credit Bureaus XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BOEING EMPLOYEES CREDIT UNION (WA)

I went to the BECU atm to make a deposit- used my card, entered pin chose deposit ( I had 16x {$50.00} bills ) {$800.00} total. The machine accepted the cash and counted it, the screen asked is {$800.00} correct? I clicked the green check mark, the machine then made a processing noise for a minute then had the message unable to return your cash. It was still making a processing sound. I waited a few more minutes and the machine seemed stuck in this mode so I hit cancel. My card was returned with a receipt that said unable to return your cash. I then started a new transaction to check my balance and there was no record of the {$800.00} I just put in. Since this was a holiday ( Monday XX/XX/XXXX ) I called the bank Tuesday morning to report what happened. I was told that it would be looked into and it may take up to 10 days. Today XX/XX/XXXX I received a letter stating that they had no record of my deposit and the investigation is closed. Since I had my receipt with the time, I knew exactly that I put in 16 {$50.00} bills, I had the machine number and they log transactions with my card- how can they have no record? Also- your on camera at the atm. How can there be no reconciliation of the money put into the machine? I called BECU and told them I was upset by the Letter and I was not satisfied and got the representative to fill out another request to investigate, I faxed her my receipt from the atm from the transaction that says there was a error returning your cash. I was told it will take another 10 days. There was no offer to return the funds in the meantime.
Consumer complaint received 2018-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/XXXX I submitted a dispute with TransUnion. It is now XX/XX/XXXX and TransUnion has still not completed the investigation nor will they allow me to dispute anything else on my credit report. In fact, the TransUnion website states the investigation will not be completed until XX/XX/XXXX. This going on 3 month investigation has greatly affected my credit score as I have a school lender reporting inaccurate information on my credit report. By TransUnion refusing to allow me to dispute anything else on my credit report, they have directly caused my report to drop by over 150 points. In addition, TransUnion is adding additional accounts and keeping old accounts open under the SAME LENDER despite having only 1 account that I can not dispute for the reasons stated above.
Consumer complaint received 2018-10-12
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

XXXX and XXXX have allowed unauthorized access to my protected person data and they now have access to get my finances and hindering my ability to obtain safe housing. I am an XXXX XXXX veteran and former XXXX  XXXX XXXX who is retired on XXXX. 


They have affected my financial capability to pay and use my phone services.
Consumer complaint received 2022-01-08
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: Experian Information Solutions Inc. (AL)

Set an letter and I havent gotten a response. They are violating FCRA USC 15 1681 G and they have not responded to me and its been over 30 days. Please remove This in accurate information from my credit report
Consumer complaint received 2021-10-11
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 was checking my credit report and I saw that my score is low. I'm shocked. I don't understand why you put this information on my account. I believe someone used my personal information and applied for this. Now I cant even apply for credit card because of these information
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX
Consumer complaint received 2021-10-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

XXXX ( acct. # XXXX ) is my first mortgage and Select Portfolio/XXXX  XXXX XXXX  XXXX ( acct. # XXXX ) is my second mortgage. I am in significant hardship due to Covid-19. I'm trying to sell the house because I can no longer pay both mortgages. I have repeatedly filed hardship letters to both companies and they continue to misplace my request for a short sale. They are continuously losing my personal documents and then closing my cases. I filed everything by fax ( XX/XX/XXXX ) from a XXXX branch for a hardship/short sale. It was over 100 pages with my loan number on every page. I was then told more documents were needed. So on XX/XX/XXXX, I emailed additional documents to XXXX XXXX XXXX and now I'm told my request for a short sale has been closed? WHY? I have had the 2nd loan since XXXX. And just learn that a XXXX loan will not be paid off until XXXX at 11.5 %. INn the past I tried to refinance and was told I couldn't. To date I have paid {$54000.00} on a {$31000.00} loan. And have been stuck with it. The investor on that loan is XXXX XXXX XXXX  XXXX. That loan has been sold many times as well. I have a buyer who has patiently been waiting. XXXX and Select Portfolio has copies of the settlement HUD. I have called XXXX and Select Portfolio several times..and each time I spoke with a different representative and was told different scenarios. I was told things were missing from the XX/XX/XXXX fax... but was recovered when I complained. I am in dire default of my loan because of Covid-19. And facing significant hardship. I am trying to sell the house and XXXX snd Select Portfolio representatives are very misleading in my case. As to XXXX : I need someone to explain why I'm {$51000.00} in behind payments? My principal amount prior to default was approximately {$210000.00}. My payments were approximately XXXX which was interest and principal. So being in default ... shouldn't interest be the only thing ongoing? I now owe approximately {$260000.00}? Please explain how in 25 months of default im getting hit with my principal on top of interest. In any case, I need this all clarified and resolved ... as I am trying to sell it. I need a recalculation of what is owed and a short sale. As the settlement is XX/XX/XXXX and IRS had liens on the house too. They are releasing the liens for only 30 days. XX/XX/XXXX to XX/XX/XXXX. Again, I applied for both short sales on XXXX
Consumer complaint received 2022-05-03
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. (FL)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX  account # XXXX ( there are 4 of these accounts ) XXXX XXXX account # XXXX ( there are 2 of these accounts ) XXXX XXXX account # 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 XXXXXXXX XXXX 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.
Consumer complaint received 2017-08-03
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Cottonwood Financial Ltd. (TX)

Collector calling my place of employee, also contacting co-workers claiming that i used them as a reference and recently started contacting my co-workers spouses, one person asked them to stop calling there place of business and their cell phone to which the collectors response was I 'll call you again tomorrow and laughed when she asked for his supervisor he stated and yelled " MAINTENCE!! HAHA I 'll call you tomorrow '' They are harassing my coworkers, their spouses and also my wife and daughter.My supervisor at work has had to speak to me bout this issue now, I 'm enclosing a copy of one voice mail and one of my cell phone records for one day.The debt has been charged off by the orginal debtor.
Consumer complaint received 2022-05-03
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. (RI)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instruction or consent.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX-Date of inquiry XX/XX/2021 XXXX XXXXDate of inquiry XX/XX/2021 XXXX XXXXDate of inquiry XX/XX/2021 XXXX XXXX-Date of inquiry XX/XX/2021
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX {$350.00}
Consumer complaint received 2020-01-31
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. (VA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$8500.00}, {$1000.00}, {$1300.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8500.00} -This is not my account. 


-- CLOSED ACCOUNT 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

-- PERSONAL ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account.
Consumer complaint received 2021-12-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Claims Bureau, Inc. (NY)

I received a letter from Professional Claims Bureau LLC stating that I owe {$75.00} in copay for a medical appointment on XX/XX/2021. I have a receipt from that appointment with a signature from the office front desk staff that the copay of {$75.00} was paid in cash. Please see attached document for both the letter and the receipt. 
Therefore, this is not a debt I owe and this companys contacting me to collect a bill I have already paid for is in violation of the FDCPA.
Consumer complaint received 2020-01-31
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: EQUIFAX, INC. (IL)

I HAVE DISPUTED AN INACCURATE BANKRUPTCY WITH EQUIFAX SEVERAL TIMES. AFTER THE INITIAL DISPUTE THEY INFORMED ME THAT THE BANKRUPTCY WAS VERIFIED, AND IT WAS VERIFIED THROUGH THE BANKRUPTCY COURT AT XXXX XXXX XXXX XXXX, XXXX IL XXXX. WHILE DOING MY OWN INVESTIGATION I CONTACTED THE BANKRUPTCY COURT & XXXX XXXX DIRECTLY. AFTER REVIEWING MY XXXX XXXX REPORT IT STATES THERE IS NO RECORD OF ANY BANKRUPTCY FOUND. I ALSO SPOKE WITH A CLERK SUPERVISOR AT THE BANKRUPTCY COURT AND RECEIVED SIGNED DOCUMENTATION WITH THE STATE SEAL THAT STATES THE COURT HOUSE DOES NOT VERIFY BANKRUPTCIES TO CREDIT BUREAUS. I ALSO DISPUTED THIS WITH XXXX AND THE INACCURATE BANKRUPTCY WAS REMOVED. I THEN PROVIDED EQUIFAX WITH : MY XXXX INVESTIGATION RESULTS, WHICH STATES IT WAS REMOVED MY XXXX CONSUMER DISCLOSURE REPORT FROM XXXX XXXX, WHICH STATES NO RECORD OF BANKRUPTCY FOUND AND THE SIGNED & SEALED LETTER FROM THE BANKRUPTCY COURTHOUSE, WHICH STATES THEY DO NOT VERIFY BANKRUPTCIES. AFTER ALL OF MY SUPPORTING DOCUMENTATION THEY HAVE YET TO REMOVE THE BANKRUPTCY AND CONTINUE TO LIE AND SAY THEY VERIFIED IT THROUGH THE COURT HOUSE.
Consumer complaint received 2021-12-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Payward Ventures Inc. dba Kraken (IL)

On XX/XX/2021, I sent 2 transfer requests each of around 30 Solana ( each Solana was about {$230.00} at that point in time ) from my Kraken account to another exchange. A few minutes later, only 1 transaction of 30 Solana reached my other account. I then immediately launched a help request to clarify what happened. Customer service replied and acknowledged that it was a bug on Kraken 's side and that developers were on it to try and fix and correct this mistake. 

Ever since then, I have been following up with the Kraken team. However, I have been told the same thing for the past 2 weeks : their developers are still working on it with no ETA. They have not provided me with the reason or cause and have only mentioned that their developers are working on it. I have had to ask for an update 4 times in the last 14 days and up until now, all I have been told is that they will provide updates when they are available. This is extremely unacceptable as all updates have only come after prodding Kraken for more information. Additionally, with the volatility of Solana in recent weeks, missing 30 Solana has resulted in me losing money as I have been unable to liquidate that 30 Solana. 

Kraken has said that my account will be credited with 5,000 Kraken fee credits ( KFEE ). This means that the next 50 USD in trading and margin fees will be paid by them. This is not useful to me at this moment because I can not trade these credits and turn them into cash like I had intended to with the Solana that had gone missing.
Consumer complaint received 2018-04-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CA)

My home mortgage has been serviced by Loan Depot, and I was paying each month by automatic bank transfer.

Yesterday ( XX/XX/XXXX ) I received a mortgage statement in the mail from a new company, XXXX XXXX XXXX, indicating that I was already late on a payment. It seems that Loan Depot sold them my mortgage without my notification. Calling Loan Depot, I found that they had sold my loan only 15 days before the new mortgage was due at XXXX XXXX XXXX.

Upon further investigation, I found that Loan Depot had cancelled my automatic payment without my prior knowledge or authorization. As a result, I am delinquent on 1 month of mortgage payment without any fault of my own.

I have the following complaints : 1. Loan Depot canceled my automatic bill payment without notifying me, thus making me delinquent on a payment without my knowledge.

2. Loan Depot sold my mortgage without providing 30 days notice of the effective date of transfer. ( From my discussion with XXXX, a Loan Depot representative, their records indicate only 15 days notice, occurring XX/XX/XXXX ) 3. Loan Depot did not inform me of this change, as I did not receive a notification letter.

4. Loan Depot has an automatic phone system that will not allow me to call them to speak to a representative. The system recognizes my phone number, informs me that the account has been transferred, and hangs up. In order to speak to them, I had to use someone else 's telephone. This is just one example of extremely negligent customer service.
Consumer complaint received 2021-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I reported several fraudulent transaction in my checking account with Bank of America on XX/XX/XXXX. presently the bank has partially refunded debit charge claims. XX/XX/XXXX, I received a letter from bank of america claiming they are unable to refund my ach claims. 
claim number : XXXX 1. {$110.00} -- -- XXXX -- -- - has been refunded 2XXXX {$33.00} -- -- -- XX/XX/XXXX -- -- -has been refunded XXXX -- -- -- XXXX -- -- has been refunded 4. {$1000.00} -- XXXX 5. {$320.00} -- -- XXXX 6.XXXX  -- -- XXXX 7.XXXX -- -- XX/XX/XXXX