davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-06
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: LEXISNEXIS (GA)

I have disputed with Lexis Nexis and the credit bureaus alike regarding the reporting of the bankruptcy entries reflected on my credit reports. In my most recent dispute to Lexis Nexis, I advised them that there were inaccuracies reflected in their reporting to the 3 major bureaus. Lexis Nexis responded ( see attached ) that after a reinvestigation of the data in question, they verified that the bankruptcy case number was accurately reporting.

How so? 2 different reference numbers are reflected among the 3 reports. 2 different filing dates are reported among the 3 reports as well as 3 different courts. These are evident inaccuracies that differ on the reports. Reporting per FCRA should be 100 % accurate. These are factual inaccuracies that Lexis Nexis is reporting and has not reinvestigated as they stated. If the reinvestigation had in fact been completed, they would have reflected consistencies among all 3 bureaus. These entries are inaccurate and should be deleted.
Consumer complaint received 2015-05-21
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: MCLEAN MORTGAGE CORPORATION (VA)

I recently applied for a mortgage with Mclean Mortgage Corporation. Although still married, I was fully qualified for the loan on my own and provided them with all information required for settlement. I was scheduled to close on the property on XXXX XXXX and on XXXX XXXX I was told by the mortgage company that unless I provided the underwriter with a detailed statement outlining the status of my marital situation and a signed statement saying that neither of us would seek child support or alimony in the event of a formal separation agreement or XXXX they would not approve my loan. My husband only XXXX month secured his own mortgage through another mortgage company ( same salary, same assets and same access to joint accounts ) was not required to provide the level of documentation I was nor was he required to provide a similar statement regarding alimony or child support. I did not feel their ask was fair or relevant to my qualifying the loan. Needless to say, I had to sign a letter, along with my husband, stating what they asked in order to close on the property on XXXX XXXX.
Consumer complaint received 2022-03-06
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. (TN)

This account is reporting on my consumer report and the amount has been settled. XXXX XXXX is reporting false information. Reporting inaccurate information is a violation to the Fair Credit Reporting under 15 USC 1681s-2 ( 1 ) ( A ) This item should be removed from my consumer report immediately.
Consumer complaint received 2018-08-06
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (PA)

XXXX XXXX, XXXX Card. Today I tried logging into my account. My login information had been changed. I called online and I was told my address had been changed as well. I have since looked at my past statements and my address was correct and unchanged for the past year. After logging in I found out that my credit limit had decrease. I tried contacting live chat twice. At first I could not type and I was disconnected. I explain what I stated above and I am told we sent you a letter - how did you send me a letter if you claim my address was wrong. I then state that my payments are automatic, never late and my pay scale has increased. I asked when they changed my limit. They refuse to answer and say my credit report was used to lower my limit. I asked for corporate contact email and phone number 6 times and they provide me with a name and nothing more. Then I received a link to provide them with a compliment for customer service. They should not have decrease my limit, lowered my credit score and ignored my requests in writing for information. I tell them that my identity was stolen last year and that was the only way I was transferred to a manager who tells me to have a sunshine day. I want the company investigated for fraudulent practices
Consumer complaint received 2022-06-19
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. (VA)

In accordance with the Fair Credit Act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (MD)

THIS IS ABOUT LOAN FRAUD. ** Unauthorised loan** On XX/XX/2022 I received an email from the lender** AFFIRM** that i was approved for a loan XXXX for a purchase on XXXX. I have attached a copy of my XXXX purchase history..*** there is no such purchase*** That same evening I attempted to get in my account which is accessed by telephone number. The telephone number was changed preventing me to access my account. 
Upon calling Affirm associate and describing the 2 valid loan with the lender, the Affirm Associate stated " that my account is not linked to XXXX therefore there was no problem/ no loan. 
On XXXX XXXX after making 4 phone calls, with the last call screaming fraud, the Affirm associate fixed the phone number and instituted a secondary confirmation system. That associate stated they would escalate the issue and I would receive a call back no later than XX/XX/2022. **** That never happen***. I sent certified letters ... No response. Affirm however sent text message that the first payment was due on XX/XX/XXXX, XXXX I have frozen all 3 credit reporting agencies and now my credit has been hack as I have received multiple loan approvals from others which I did not request.. Affirm lack of response, weak credit protocol has harmed me in addition to the loan fraud.
Consumer complaint received 2022-06-19
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX transferred my loan with no proper notice XX/XX/XXXX. The only way I was made aware was when trying to obtain mortgage documents for current re-finance in XX/XX/XXXX. The requets for documents was made twice in XX/XX/XXXX via phone and neither request was satisfied. No accessable phone number for me to call XXXX. Emails to previously answered email addresses with XXXX are not replied to. Online access to XXXX is disabled. 
Further when I called XXXX in XXXX the calls are directly routed to Mr. Cooper loan servicer. 
Mr. Cooper has no information on my loan when I was transferred directly and automatically to them from XXXX publicly listed phone number. 

XX/XX/XXXX via U.S.P.S. first-class mail presorted XXXX postage XXXX XXXX XXXX no. XXXX documents were received at XXXX XXXX XXXX, XXXX in regard to loan transfer to Right Path Servicing ( RPS ). The notice stated the mortgage was transferred XX/XX/XXXX and payment is due to RPS XX/XX/XXXX. Also stated that private mortgage insurance is necessary on this loan? PMI was no previously needed? XXXX has not reported to credit bureau on mortgage note since inception.
Consumer complaint received 2022-06-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Quality Asset Recovery LLC (PA)

The debt was deleted off my credit file and has been reinstated today showing on my file i have proven time again its not my debt my information was fraudulent used i have written, disputed, filed reports and notified the collector and credit bureaus. This item needs to be off my file and with new laws not reporting medical debt on those grounds it should not be on my report. This is violation to my rights.
Consumer complaint received 2024-05-23
Product: Credit 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: AMERICAN EXPRESS COMPANY (OR)

I am reaching out due to 3 different disputes with 2 being from XXXX XXXX XXXX XXXX, on XX/XX/year> ( {$1100.00} ) and XX/XX/year> ( {$1200.00} ) The investigation of the dispute was not clear and did not end properly and AMEX denied my claim. I got my some work done to my car including a new radiator and oil change, etc, and a couple days later my car broke down and I called the shop to see what happened but they couldn't resolve my issue and said it was my fault. I used my AMEX card and AMEX couldn't resolve this issue either. The other one is another dispute with AMEX and it was on XX/XX/year> for XXXX XXXX XXXXXXXX XXXX ( {$2700.00} ). I bought a set of XXXX XXXX and I returned it a couple days later to the exact same store. The store said the issued credit will come onto my card but till this day it has not yet been received. I called AMEX and XXXX XXXX XXXX trying to get this resolved but neither parties could not help me. Please, it's been a while since these issues have happened, but this is causing me a headache and my only hope is to contact the CFPB.
Consumer complaint received 2022-03-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (OR)

I have been told by a man I met on social media for 6 months that he can teach me how to invest into cryptocurrency. So I opened an account on Coinbase on the XXXX XX/XX/XXXX under his guidance, and directly deposit {$1000.00} and wire transferred {$5000.00} US dollars through my bank account into Coinbase, then immediately purchased XXXX  and transferred all of them out right away to an cryptocurrency website account that the man told me about for investment. And later on with the same tricks, he soon induced me to wire transferred another {$25000.00} US dollars to Coinbase and purchased XXXX, and again, I immediately transferred all of them out on XXXX XX/XX/XXXX. With the same way for a third time, I transferred another {$16000.00} US dollars of XXXX to the defraud account through Coinbase on the XXXX XX/XX/XXXX. I have made XXXX wire transfer and XXXX direct deposit to Coinbase for a total of {$47000.00} US dollars! And immediately purchased and transferred all of my XXXX  through Coinbase to the scammer 's website account. After a couple weeks, I decided to withdraw all my money out including the profit I earned from trading cryptocurrency which was nearly {$98000.00} in total, under the man 's guidance. But the fraud website customer services told me that I have to pre-paid over {$21000.00} tax in order to withdraw my money out. I then realized that I got scammed. I reported this to the police immediately on XXXX XXXX and called Coinbase customer service for help and they told me that cryptocurrency transactions are irreversible. But I know Coinbase, as one of the biggest cryptocurrency trading platform, has the responsibility to alert and monitoring large transactions in a new account over a very short period of time. I have never traded cryptocurrency in my life before and all of this had happened within the last half months. And with my newly opened account, I have never received any alert or warning about my transactions to the fraud account. True, I am too stupid to believe a stranger that could teach me how to make money. But I am also a XXXX XXXX XXXX XXXX XXXX XXXX and a single mom. I need that money in order to survive! That was all my savings from the past 8 years, and I also had to borrow some from my friends. I am desperately hoping that Coinbase could help and refund my money back. But after several time of calling and file complaints, they refused to do anything and closed my case. They also block my account from trading cryptocurrency after I told them what happened to me!
Consumer complaint received 2018-08-07
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

I am trying to recover surplus, the overpaid escrow, {$3000.00} plus. 
Started in XXXX XXXX, after my taxes were paid.Regardless, Ocwen Loan servicing, LLC send more money than needed to state, state returned all, that they send. I asked in writing, to do partial modification, stop paying already paid taxes, keep calling, talking to ombudsman. I was told, that they will return my money, within 30 days of recalculation XXXX XXXX, XXXX. 
Now they are saying, that since I am late with XXXX payment, they will not refund overpaid amount. 
Under Federal law RESPA, that they are in violation, that the lowest monthly balance should not exceed/fall below {$870.00} and trying to collect more money. 

Please, help XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (PA)

US Bank is reporting a paid past due account incorrectly. They are reporting that the account was closed at my request. This is incorrect. US Bank closed the account. They can't provide proof of their claim, so this item needs to be corrected or removed from my credit report.
Consumer complaint received 2022-06-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NY)

I received student loans initially in XXXX. After graduating I work for XXXX XXXX agencies and was under the impression that after a certain amount of time my loans could be XXXX. However, Navient continuously steered me towards some sort of forbearance. And I was fooled into thinking they were helping me. I applied for a discharge while receiving XXXX XXXX XXXXXXXX XXXX and was denied. I struggled for years financially due to my XXXX I feel that the tactics of Navient were calculated in order to keep individuals in debt.
Consumer complaint received 2022-06-19
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. (GA)

I noticed a credit card account on my credit report and two inquiries that does not belong to me : XXXX XXXX... Account Number XXXX Date Account Was Opened XX/XX/XXXX I noticed two unauthorized inquiries on my credit report. Someone else applied using my name. According to the FCRA ( Fair Credit Reporting Act ) these unverified and unauthorized inquiries must be deleted : XXXX XXXX... Unauthorized Inquiry ... 1XX/XX/XXXX XXXX... Unauthorized Inquiry ... XX/XX/XXXX
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

On XX/XX/23 I set up a payment online to pay my mortgage, then I set up another one on XX/XX/23 both payments were for {$760.00} each. My mortgage company ( XXXX XXXX ) received the payment made on XX/XX/23, but they didn't receive the XXXX payment made on XX/XX/23. I disputed the XX/XX/23 transaction with my bank ( Capital One ), and they sent the dispute to XXXX XXXX. Since XXXX XXXX didn't receive the payment made on XX/XX/23 they reverse the payment made on XX/XX/23 and I received that payment on XX/XX/23. Capital One closed my dispute, and they didn't resolve my issue. I have been contacting them and putting disputes about the XX/XX/23 and they kept saying that they already paid me back, which is not true. Where is my money from XX/XX/23? it is a simple math question : XXXX XX/XX/23 reversed on XX/XX/23 ( see attached letter from XXXX XXXX ).
Consumer complaint received 2022-06-19
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. (TX)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-06
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. (MI)

In accordance with the Fair Credit Reporting act XXXX  # 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 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-06
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX  # 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 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-02-06
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: Experian Information Solutions Inc. (NC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (TN)

This account is reporting on my consumer report and the amount has been settled. XXXX XXXX is reporting false information. Reporting inaccurate information is a violation to the Fair Credit Reporting under 15 USC 1681s-2 ( 1 ) ( A ) This item should be removed from my consumer report immediately.
Consumer complaint received 2022-03-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: T.S. Holdings (AZ)

I was trying to make a payment plan where my debt would be paid in XXXXour months but they said it wasn't a big enough payment they threatened to sue me. Because they didn't agree on my payment amount they restricted my account so I can no longer call them or go online to pay. This is with XXXX XXXX XXXX. They want me to send my payment in threw the mail. Their website says they value fairness. When I would call before all this they would bombard me with questions and try to force me into taking another loan out with them.
Consumer complaint received 2018-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I contacted Transunion to dispute credit inquiries on my credit report due to their inquiry issues and was told that it did not affect me when in fact it did as i have several inquiries that i did not initiate. they were unwilling to help
Consumer complaint received 2018-08-06
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: BARCLAYS BANK DELAWARE (MD)

Hello, On XX/XX/XXXX this year I closed a Credit card Account with Barclays Bank. There was a pending balance on the card when closed so the belief was the card was paid off in full. 2 months later My credit score dropped by 100 points and this is how I was notified of a balance on the card. I contacted Barclays and Paid the card in full. When questioned why I had not received any notification of balance they stated that they sent me email notification. Checking my mailbox and spam I received no notifications. I asked for proof of notification and the refused to send me proof of emails from Barclays to myself stating I owed money on my card. On XX/XX/XXXX I opened a XXXX credit dispute. The results of that investigation removed the late payment discrepancy from my credit report. When I started a XXXX dispute on XX/XX/XXXX I received the results of this dispute on XX/XX/XXXX stating that the information was accurate. Since the two investigations should have been the same. the Late payment should be taken off all of my credit reports. 

Thank you so much