davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-24
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. (CA)

I would first like to note that this complaint is being done on behalf of myself, the consumer, and not a third party repair company. 

The credit reporting agencies continue to verify information on my credit report without consent. They have reported back that the account has been verified numerous times without providing the method of verification or providing an investigative consumer report. This leads me to believe these agencies are only pushing my documents through an E-Oscar machine and not taking reasonable procedures and verifying them accurately as they should pursuant to 15 USC 1681 ( b ) These agencies continue to furnish this specific extension of credit which is a direct violation of 15 USC 1681 ( a ) ( 2 ) ( B ). I the consumer also never gave written instruction to any of these agencies to furnish this alleged debt, and until these agencies can provide a certified document showing written authorization from I the consumer, each agency is in violation of 15 USC 1681 ( b ) ( a ) ( 2 ) and will be held liable for all violations committed against the I, the natural person. 

I have demanded a method of verification via certified mail w/ return receipt as of XX/XX/2022. 2 out of 3 of agencies have received the document and another is in transit as of XX/XX/2022 via U.S Postal Service. The continuation of furnishing this negative information without the method of verification or certified written consent from I the consumer, constitutes aggravated identity theft by each agency pursuant to 18 USC 1028A. I have CC 'd the Consumer Financial Protection Bureau and the Federal Trade Commission in each document to ensure each company takes proper procedures in doing their due diligence and to maintain fair and accurate reporting. 

The continuation of furnishing inaccurate information has withheld me from obtaining credit for my personal, family and household needs. I have worked tremendously hard to maintain a high credit score, and these agencies continue to ruin my reputation by reporting this inaccurate information.
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NH)

In XXXX of 2019 I signed a lease, so-signing with my mother at XXXX XXXX XXXX XXXX This past week XXXX actually bought the car off of me, paying off the rest of the amount and owing me around {$5000.00}. I went to another dealership test drove a car, and found the perfect one. I went to sign papers and before that they ran my credit report to make sure my past lease checked out. Come to find out the entire 3 year lease was not once reported at all to the credit bureaus. 

I called XXXX XXXX, the ones who actually do the reporting and was first told it was " because of COVID-19 relief program, where some accounts had their reports removed. I then asked why would this happen if I didn't authorize this, or get informed of it, and why my information from the entire year before the pandemic began wasn't still on my credit reports. She responded that " They went in and deleted all history with them ''. I contacted my attorney and he instructed me to call back and ask for a supervisor and file a complaint here first. 

I called back again and was denied being placed with any supervisor. Instead I was told this time that the reason it wasn't reported is because sometimes the computers mess up and don't report lines of credit. She also told me I won't hear back for 3-4 business days, and it could also take 30 days to even try and reinstate my information to my credit report they messed up. 

My mother, the co-signer also checked her credit reports and they failed to report there too. This was not my mistake and their employees took credit for the fact their computers made a mistake. I should not have to wait for this to be reinstated, as I should've been able to get a new car last week if it wasn't for their negligence.
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN HONDA FINANCE CORP (NH)

In XXXX of 2019 I signed a lease, so-signing with my mother at XXXX XXXX XXXX XXXX This past week Honda actually bought the car off of me, paying off the rest of the amount and owing me around {$5000.00}. I went to another dealership test drove a car, and found the perfect one. I went to sign papers and before that they ran my credit report to make sure my past lease checked out. Come to find out the entire 3 year lease was not once reported at all to the credit bureaus. 

I called Honda Financial, the ones who actually do the reporting and was first told it was " because of COVID-19 relief program, where some accounts had their reports removed. I then asked why would this happen if I didn't authorize this, or get informed of it, and why my information from the entire year before the pandemic began wasn't still on my credit reports. She responded that " They went in and deleted all history with them ''. I contacted my attorney and he instructed me to call back and ask for a supervisor and file a complaint here first. 

I called back again and was denied being placed with any supervisor. Instead I was told this time that the reason it wasn't reported is because sometimes the computers mess up and don't report lines of credit. She also told me I won't hear back for 3-4 business days, and it could also take 30 days to even try and reinstate my information to my credit report they messed up. 

My mother, the co-signer also checked her credit reports and they failed to report there too. This was not my mistake and their employees took credit for the fact their computers made a mistake. I should not have to wait for this to be reinstated, as I should've been able to get a new car last week if it wasn't for their negligence.
Consumer complaint received 2021-05-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (TX)

on Sunday XX/XX/2021 i used my mobile phone to check my Coin base crypto currency account and it showed me a balance of XXXX Cent previously on the same dat XX/XX/2021 my account balance was XXXX i did not sell any of my currencies because i was holding them for long term investments. After contacting coin base i was informed that i needed to perform a 2 step verification process in which i log in and put a 6 digit code i receive from XXXX in order to upload my photo identification front and back then i would have to use my web camera on my computer to take a selfie well it lets me upload the front and back of my drivers license but when try to take the selfie with my web camera the page disappear and another page appear stating that my identity can not be verified although i have uploaded my drivers license front and back i only have one last step to complete but can not due to the web camera issue. previously when i signed up for the account and was approved i used my mobile phone but coin base does not allow you to go thru that process. it is very hurtful to know you invested to make money and not know what happen to that investment. i think Coin Base is using the money as personal investments because when i purchased $ XXXX it was valued at {$3100.00} and in 1 week its value is over {$4000.00}
Consumer complaint received 2024-03-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC (NJ)

I applied for a loan with Rockett Mortgage and they denied the loan on XX/XX/2024 and XXXX XXXX XXXX  is holding our {$5000.00} in escrow and have not return our money.
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/21 i sent disputes to the credit bureaus about UNLAWFUL activity on my credit report I noticed a few days prior. XXXX Equifax, and XXXX  have all failed to adequately response to me in a timely matter as all disputes should be resolved within 30 days!! it is now XX/XX/21 as I write this which is basically 45days and still haven't had my credit report updated!! It is law that failure to resolve and validate these accounts is grounds for them to be DELETED IMMEDIATELY. 

Thes companies just do what they want to consumers like me and I won't stand for it, I know my rights and laws! Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately, failure do so and i will file for litigation due to violation of LAW and FCRA! 

Also late payments that were reported while we were all in a pandemic is against the LAW! The CARES Act protects consumers from theses unjust reportings.The Coronavirus Aid, Relief, and Economic Security XXXX XXXX XXXX  Act, passed by XXXX and signed into law on XX/XX/XXXX, XXXX, contains a provision explicitly addressing the FCRA XXXX as XXXX XXXX previously reported. Section 4021 of the CARES Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681 s-2 ( a ) ( 1 ) ).
Consumer complaint received 2021-05-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (OK)

According to the CFPB, my mortgage company Amerihome is required to notify me of a change in my mortgage servicer. I'm currently in a forbearance. I've started being contacted by XXXX via phone and knocks at my door, who claims that they are now my servicer, but I have not recieved any notification from Amerihome of this. When I call Amerihome to discuss this, it routed me automatically to XXXX. Apparently I can't every talk to anyone at Amerihome to confirm this. I just have to take XXXX word on this. XXXX searching makes me think XXXX is prone to being scammy. What options do I have here?
Consumer complaint received 2023-07-02
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: SYNCHRONY FINANCIAL (TX)

On XXXX XXXX, I ordered a pair of shoes from XXXX, and the package was supposed to be delivered to my apartment building. However, due to our building 's locker system being out of service for several weeks, the package was not delivered to the designated location. There were signs on the locker system clearly stating that all packages should be delivered to the recipients door. Despite my efforts to locate the package, including contacting my leasing office and thoroughly searching the premises, the shoes were never found. 

I have spent countless hours on the phone with XXXX. The only thing they will tell me is that they believe the package was delivered and there is nothing they can do to help me. I have also disputed this transaction with Synchrony Bank / PayPal Credit four times. They do not provide me with any information that would indicate why they are siding with XXXXXXXX XXXX The last dispute I submitted was not responded to. I learned by checking the status online that they had again sided with the merchant. 

The transaction in question occurred on XX/XX/XXXX XXXX XXXX The delivery company, XXXX, insists on a fallacious narrative that the package was delivered to a locker in my residential building. However, I have concrete proof from my building management that the locker system was indisputably non-operational on the supposed day of delivery. This glaring inconsistency exposes XXXX XXXX claim as fundamentally flawed and entirely baseless. 

To further highlight the absurdity of their claim, XXXX has failed to produce any tangible evidence such as a photograph or signed receipt to confirm their alleged delivery. Their failure to do so is not merely an oversight, but a critical failing that challenges the credibility of their assertion. For the avoidance of doubt, let me restate : I did not receive the package.
Consumer complaint received 2022-01-24
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. (MD)

Under Fcra sec 623, all data reporting must be 100 % accurate, complete and verifiable. After reviewing my credit file I noticed that XXXX XXXX XXXX XXXX is reporting in accurate late payments during the term of the loan and have reported late payments after the loan was closed. I have made several attempts to correct the situation but to no avail. The account was closed and paid in XX/XX/XXXX. The account is showing late payments for XX/XX/XXXX which has to be in accurate if the account has been paid.
Consumer complaint received 2022-01-24
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. (FL)

I was checking my credit report and these accounts still on.. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have encountered persistent issues with XXXX XXXX 's reporting practices, specifically regarding a paid charge-off that has been erroneously re-reported on my credit each month. 

Despite the credit bureaus having deleted this entry, XXXX XXXX continues to inaccurately report it, resulting in ongoing negative impacts on my credit score. 

Despite my repeated attempts to rectify this matter with both XXXX XXXX and the credit bureaus, they have been unwilling to investigate or correct the error. 

This continuous reporting of a paid charge-off is not only misleading but also damaging to my financial reputation.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

The philosophy of TransUnion LLC and XXXX seem to be that they allege you owe a debt and the consumer just deals with it or pays debts that are not theirs in order to finally have them removed from a Credit Reporting File. This is a direct violation of Federal Law 15 U.S.C. 1681. 

I also disputed the presence of XXXX XXXX XXXX being listed on my credit reporting file, I have not received documentation from either TransUnion or XXXX XXXX XXXX as requested. I have requested signed documentation authorizing the original account be opened in my name and social security number. No documentation was ever provided by either company. I requested this in order to have the signature compared to years of my signatures to assist in prevention of identity theft and to ensure 100 % accuracy of my credit reporting file. 

I have attached a copy of my dispute letters and every tactic they have used to prevent correcting the bad information, up to and including their claim in one letter that they could not even locate my credit file, as you can see in my dispute letters, they were given their own information to identify my credit file. 

How can a credit reporting agency be trusted to ensure accuracy of the information they are reporting, when they can not even locate a consumer file with their own information and a copy of their own report included with each dispute?
Consumer complaint received 2022-01-24
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. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (NC)

I received promotion mail from Truist bank. The promotion was that I will receive {$400.00} if I open my account and have 2 direct deposit of totaling {$1000.00} or more within 90 days of account open. On XX/XX/2023, I opened the account using the promo code that was mentioned in the promotion letter. I didnt get confirmation or acknowledgement that promotion was applied or not. Because of this confusion, I called Truist bank customer care on XXXX and informed them the same. The agent checked and informed me that promotion was correctly applied, and I should be getting promotion after meeting the conditions. I made 2 direct deposit transaction one on XX/XX/2023 of {$1000.00} and another one on XX/XX/2023 of {$10.00}. This should qualify me for the promotion. I called Truist customer care today ( XX/XX/2023 ) to verify the same. I was shocked when the agent informed me, I didnt do my qualifying deposit though she confirmed my current balance is {$510.00}. I asked her to check the transactions again as I can see both the transactions in my account. She keeps on stating that I didnt have any direct deposit other than {$10.00}. Then I asked her to check why I have balance of {$510.00} when I didnt make the any deposit according to her. Then she went back and checked with someone else and stated to me that she can see the deposit, but it is not qualifying deposit, so I didnt qualify for promotion. I was in complete shocked. I said it is direct deposit as it came from my employer, and it is qualifying transaction. She was resisting it. Then I asked her to connect me to her supervisor. I was connected to supervisor after few minutes. I explained her all the things, then she checked on something and informed me that promotion wasnt applied at the time of the account opening, so my account doesnt qualify for promotion. I said you can go and check the recording of XX/XX/2023 where agent checked and confirmed me that promotion was successfully applied to my account. I am very disappointed with the service. She told me she is going to submit request to check the recordings and it will take about 25 business days to hear back from the backend team.
Consumer complaint received 2022-01-24
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: Experian Information Solutions Inc. (CA)

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. The credit bureaus failed to do a proper investigation and just stated the accounts were verified, I'm not sure how this process works but I would like someone to look further into this matter.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

I had a credit card with this company I did pay it in full before I cancel it and now after 2 years they are saying I do owe them money when I did pay it 2 years ago in full before I cancel it
Consumer complaint received 2022-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

I have a open complaint currently in regards to Truist mishandling my funds. And altering hold dates without notice and then charging me NSF fees. I have since deposited XXXX which shows it is available and in the account. Truist will not allow me to transfer funds. This has been going on for weeks, they have attempted to keep me negative and withholding funds. I am astounded at how this bank operates. There is no way to contact them the wait time is hours and then when you may get to a call center they have hung up EVERY time. The online complaints on XXXX are many people experiencing the same problems I am having. I should have access to my funds!!!!
Consumer complaint received 2022-01-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NJ)

XXXX XXXX I purchased a shower curtain from XXXX XXXX. On XX/XX/XXXX at XXXX When the item came in it was the wrong color and curtain. I tried calling customer service and was on hold for a very long time. On XX/XX/XXXX I email customer service at ( XXXX ) told them I received the wrong curtain they sent me a fedex return authorization and was told a credit will be issued in full merchandise and shipping total is {$29.00}. On XX/XX/XXXX I tried calling again to speak with a live person and was on hold for a very long time. they are charging me fees of {$26.00} for a wrong item that was returned. 
I did not pay anything becuase the item was returned and waiting for the full credit on the next statement which never happened.. 
XXXX XXXX did not credit the shippling or tax like I was told. I got a late fee of {$25.00} which is more the what the shower curtain was and interest of {$1.00}. I spoke with XXXX XXXX customer service today XX/XX/XXXX at XXXX the women told me she is issuing a credit on the shipping. I asked customer service at XXXX XXXX to contact the credit card on my behalf and help and they said NO. I Contacted Commenity Bank-XXXX XXXX told me she would issue a one time credit on the interest and late fee but I still have to make a payment. WHY??? If they issue a credit and XXXX XXXX issues the credit the balance is XXXX. This is not right or fair... This was not my error this was XXXX XXXX error in shipping the wrong item. 
If the item was sent in error I should not be.penalized for this. Something needs to be done with these credit card campanies and their high fees. 

This was the first and last time I shop at XXXX XXXX on line. 
Customer service is poor and no help. 
Thank you