davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (GA)

Since XX/XX/XXXX I have been having financial issues. I have called the company Freedom mortgage for help to keep me from being late. No followed up. My payment changed in XX/XX/XXXX which I did not know so I was short XXXX bucks and considered late. I called about getting paperwork to refinance my home the following month is when I found out. I tried to get this resolved and paperwork for three months. I also have been having to pay my mortgage in payments as I get it but always get it to them before the end of the month. The way they apply my payments has started to make my account look off. They are also posting payments several days after they receive but continue to say they post same day they receive. However, I am Positive they do not. I am a bk   person whose mortgage was not reaffirmed. So with that being said they have told me they dont send statements but every now and then, they dont update my online account every now and then, wont give paperwork work to refinance, but will tell a refi company Im late on my payments. I am in a adjustable that i need out of and I want to leave freedom mortgage they are horrible at helping and handling my account. I have called every month for help and every time I am told something different and only given scripted answers and nothing is ever resolved. As a veteran and customer this is disappointing of how I am treated and how they are hindering me from getting my house situation together and KEEP MY HOME! Their practices are horrible and I know I am not the only one who feels this way. I have had my home for 8 years and have never been late or considered late up until now! I want this fixed and to get away from these predators!
Consumer complaint received 2021-06-10
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. (TN)

XXXX XXXX XXXX reported 120 days late to the credit bureaus in XX/XX/2019. I provided my new address and was told I would receive the final bill. I never received the final bill from XXXX XXXX XXXX. I've sent certified letters to XXXX XXXX XXXX disputing the negative item they state it is correct. I moved from the billing address on XX/XX/2019, the collection showed 120 days late on my credit report. I have disputed with XXXX & XXXX, XXXX, Transunion, and XXXX. XXXX  removed the negative item based on the documentation I sent them. XXXX  and Transunion XXXX XXXX XXXX XXXX keep confirming the collection. They have since updated the balance to XXXX  from {$280.00}. I paid the bill as soon as I saw it XX/XX/2019 on my credit report. All of my past history with XXXX XXXX XXXX is positive, they are not showing past history. 

XXXX  is showing the negative item on the report twice which is further impacting my credit score.
Consumer complaint received 2019-06-11
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. (MT)

PLEASE NOTE : ( 1 ) Online attempts to contact the CFPB Ombudsman for what follows have been automatically rejected.

( 2 ) PLEASE FORWARD AND NOTICE THIS COMPLAINT TO THE THREE MAJOR CREDIT BUREAUS RE : The FAIR CREDIT REPORTING ACT XXXX XXXX XXXX [ last four digits of Social Security card are XXXX ], ( " XXXX '' ) is-or-has-been an " authorized user '' on some of the individual credit card accounts of her father, XXXX XXXX XXXX ( herein : " XXXX '' ). 

XXXX recently came into a cash inheritance from her late Mother and is planning to purchase a new residential condominium for herself and her XXXX minor children. 

In the course of XXXX by herself seeking and/or arranging financing for the above purchase, it turns out that credit card accounts and personal indebtedness of her father, XXXX XXXX ~ on which XXXX is listed ONLY as an " authorized user '' ~ is in fact showing up in total on XXXX XXXX credit bureau reports TO HER DETRIMENT. 

Neither XXXX nor XXXX are attorneys. However, XXXX is experienced in law and legal research and finds considerable case law and the FAIR CREDIT REPORTING ACT wherein it is specifically set forth that " authorized users '' are NOT financially liable for credit debt of the primary cardholder ~ and indeed should not be listed as a " creditor '' AT ALL on card accounts where they are named only as an " authorized user ''. XXXX 's attempts to simply contact the appropriate source within the creditor organizations ( e. g., banks ) has been frustrating at best and without resolution. 

It is XXXX and XXXX 's belief that ALL Credit Reporting Agencies have a responsibility to assure that " authorized users '' do not appear named as debtors on the card holder 's credit bureau reports. GLOBALLY, THIS IS NOT A NEW ISSUE NOR PROBLEM. 

Moreover, XXXX is at least minimally outraged that HIS credit history is being accessed and commingled as if his daughter is liable on ANY of XXXX 's card accounts and forwarded to and/or accessed by potential lenders that XXXX may wish to approach or utilize for her own individual reasons. 

XXXX is specifically familiar with the Fair Credit Reporting Act and has informed XXXX of relevant portions of it. The issue here may not be " new '' to CFPB. 

In any event, your assistance is asked in streamlining and issuing a formal complaint by the CFPB vis-a-vis and to ALL the credit bureaus -- as well as other individual creditors or entities ( such as banks ) as CFPB may suggest that sets forth that XXXX XXXX XXXX in particular ~ and all other persons in general ~ as being " authorized user '' is NOT subject to credit reporting on such credit accounts that are " owned '' by others. In this specific instance, the above would include -- but not be limited to -- those credit accounts of-and-issued to XXXX XXXX XXXX. See : Case Law attached. 

Thank you for your attention and assistance to my inquiry here.
Consumer complaint received 2018-05-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (LA)

On XX/XX/XXXX, I purchased bitcoin for {$260.00} from Coinbase.com.  At the time of the purchase I was told that I could use the bitcoin anywhere, anytime, without doing anything except signing up and depositing funds to my online account, XXXX. I originally found out about Coinbase.com in XX/XX/XXXX thru their internet ad that claimed to be the world 's most popular way to buy and sell bitcoin. However, I found out they had nothing but customer complaints and a XXXX rating of " F ''. I attempted on XX/XX/XXXX to send the bitcoin and they locked my account and told me that I had to send them more id and additional time consuming and very difficult online verification, none of which Coinbase.com explained to me at the time I purchased the {$260.00} in bitcoin from them. I contacted Coinbase.com on XX/XX/XXXX, thru XX/XX/XXXX and discussed my difficulty and inability to use the bitcoin as promised with XXXX, XXXX, XXXX, XXXX and XXXX and asked for a refund in the amount of {$260.00} but I was told by XXXX in coinbase support that I had to wait until XX/XX/XXXX and also send them additional information and did not receive my requested refund or any part of it at all. On XX/XX/XXXX I still was blocked from sending funds and closing my account. 
I want the XXXX XXXX XXXX to investigate Coinbase.com and to file a lawsuit against Coinbase.com to prevent them from selling this bitcoin without clearly explaining in advance all the extra steps people need to take to use it and without making it very difficult and/or impossible to use. I also want the CFPB to sue coinbase.com to obtain penalties and refunds for me and many others whom I believe were misled that the bitcoin could be easily used for purchases. Thank you.
Consumer complaint received 2022-10-06
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AZ)

I was wondering where did credit bureaus get this public information when the recorder of deeds, the magistrate or the court itself did not furnish any of this information to the credit bureaus. They do not provide any proof to justify their reporting. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-10-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: SUNTRUST BANKS, INC. (VA)

I had an suntrust opened up under my name about 3 year 's ago didn't know until i received checks an cards in the mail when i called to notifying them it wasn't me they told me the account was already closed an i was responsible for the amount owed I'm now on XXXX XXXX an unable to open account. Because it comes up as fraud I've been fighting this for sometime
Consumer complaint received 2018-05-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (TX)

I am a victim of identity theft by a family member, who is now dead. I have written several letters to Citibank about this matter. They refuse to believe me. They hired a debt collector to come after me, and I sent THEM the information, and they sent a letter saying they did not know that I had disputed the debt, and they did not pursue me further. I wrote ANOTHER letter to Citibank with supporting documentation. I sold jewelry, and made an offer of settlement though I DO NOT owe them any money, but I just want this over. They did not respond to my offer, they just sent another letter, from XXXX XXXX of the Executive Response Unit, and she said they will no longer respond to me in any way, and they have hired ANOTHER debt collector to come after me -- Northland. I have not yet heard from them directly. I suppose that they will keep hiring collectors, or even sue me. This letter even referenced a second card number, that I never had. I am in poor health and the stress has caused several XXXX XXXX.
Consumer complaint received 2023-04-03
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)

Equifax will not allow me to access my credit report through MYEquifax public online services, and Equifax will not provide me with a free copy of my annual credit report, as required by federal law. Equifax unlawfully demanding that i provide a copy of my state driver 's license and is not accepting my valid state id, as it is required to do by law. On XXXX, i faxed Equifax a copy of my valid Florida Identification Card and Social Security Card, front and back, respectively. Equifax then sent me a letter requiring that i send them the same documents i already provided to them. Upon receiving the second letter from Equifax requesting the same information, i again faxed Equifax at the fax number Equifax provided : XXXX i included a copy of the most recent letter from Equifax XXXX along with the valid documents requested by Equifax to prove my identity. i also sent Equifax a copy of my bank statement. 

when Equifax replies that they are working on the problem, this is a false statement. Equifax is not working on anything. Not providing me a credit report or access to my credit report is causing me damages.
Consumer complaint received 2019-07-26
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. (MS)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2024-03-05
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. (TX)

The original account was never verified ; how can this account continue to report on my credit? This is unlawful reporting and unless I can see your proof, this must be removed immediately. I sent a dispute letter over 9 months ago, and Transunion failed to verify this account, yet XXXX and XXXX have since deleted this account. I am requesting that the following account is removed from my credit report due to FCRA violation. Attached is the dispute letter which is dated, and time stamped. XXXXXXXX XXXX XXXX
Consumer complaint received 2019-07-26
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. (MS)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have called all bureas, and my report was supposed to be sent it's over a month, and I still haven't received my credit report. 
I attached my XXXX XXXX XXXX and proof of address I never applied for credit Please send me my credit reports XXXX XXXX XXXX
Consumer complaint received 2021-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (OH)

Convergent Outsourcing sent me email that my account with XXXX. I settled the debt with Convergent Outsourcing. Then XXXX kept sending me emails saying that I owed a balance still. The email from XXXX also said that I would be sent to collections. I thought that was kind of strange. I called XXXX and was told they never sent my information to collections. I paid XXXX to Convergent Outsourcing thinking I settled the bill. This was paid on XX/XX/XXXX. I also want to submit a complaint against XXXX for my information not being kept secure.
Consumer complaint received 2019-11-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital one Bank USA & XXXX XXXX XXXX added derogatory marks on my credit file in the amount of {$1200.00}. I disputed this claim on ( XX/XX/XXXX ) this is not my debt and fraudulent activity with this account. I've never had a signed contract and /or account with said company. YOU HAVE NOT PROVIDED ME A COPY OF ANY ORIGINAL DOCUMENTATION REQUIRED UNDER SECTION 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with signature on it ) and under SECTION 611 ( 5 ) ( A ) of the FCRA- you are required to " PROMPTLY DELETE all information which can not be verified. Fast forward to XX/XX/XXXX i was notified by my job that I HAVE A GARNISHMENT against me which is 10 % of my paycheck is being GARNISHED every week. I logged a complain with the CFPB after gotten no response now on XX/XX/XXXX capital one response is that XXXX XXXX XXXX XXXX obtain a judgment against me. Who was served? Not me! 
IF THE ACCOUNT IS NOT DELETED/ Garnishment, I WILL BE FORCED TO CONTACT THE XXXX AND LEGAL COUNSEL TO FILE SUIT.
Consumer complaint received 2019-07-26
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. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2019-07-26
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2019-07-26
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. (FL)

Please know that I was not late on XXXX XXXX XXXX I wonder why XXXX, XXXX and Transunion report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
Consumer complaint received 2019-07-26
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)

Please know that I was not late on XXXX XXXX XXXX I wonder why Equifax, XXXX and XXXX  report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
Consumer complaint received 2019-07-26
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. (FL)

if these accounts are for collection and collection is by default late, by default past due, number 3 both of  them is a violation of FCRA- if its a collection, they should not say charge off. because a collection should not be late nor have a past due. Delete this error.. XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-07-26
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)

Please reverse the late payments reported on the following accounts : XXXX   XXXX and XXXX XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.