davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown information that have been put on my credit report. It is nearing 60 days and I have not received a response yet. It seems as though I am being taking advantage of and that my disputes are being ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to remove those items from my credit report, we are approaching 60 days. I would like for like for you to delete these items promptly or I will be filing litigation because of the stress you have caused me. My information was also compromised by the XXXX data breach which has also have me worried and stressed out.
Consumer complaint received 2023-03-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (PA)

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX To Whom It May Concern : I am writing to file a complaint against Gemini Trust Company , LLC, a New York-based cryptocurrency exchange. Despite providing all requested documentation, my account with Gemini remains frozen since XX/XX/2022, preventing me from accessing my funds and engaging in further trading activities. 

I have attempted to contact Gemini 's customer support team on multiple occasions, but have received no response or satisfactory explanation for the suspension of my account. I believe that Gemini may be in violation of federal consumer financial protection laws, and I urge you to investigate this matter and take appropriate action. 
I have attached copies of my previous correspondence with Gemini. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CO)

XX/XX/2021 apps XXXX Mountain Time. 

Deposited stimulus check for {$2800.00} made out to XXXX XXXX XXXX XXXX XXXX ( wife ). The ATM took the check and said " Your deposit could not be completed. '' It gave my card back and spit out a tiny useless receipt with no dollar amount on it. The ATM screen turned red and said " This ATM can not accept cash or check deposits at this time. '' ATM is at Chase Bank at XXXX XXXX XXXX XXXX, XXXX CO XXXX. 

{$2800.00}, stolen, by a multibillionaire bank. 
Please help!!!
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (UT)

Wells Fargo Dealer Services is reporting a debt on my credit file that is no longer owed! I recently had my credit pulled and was notified that Well Fargo is reporting a debt for a charge off This reporting is completely inaccurate!! I paid off this account months ago and no longer owe the debt! This account is causing delays in my home buying process. As a long time customer I am very disappointed to see they have been of no help to me. I need this account fixed immediately and taken off my credit report.
Consumer complaint received 2022-07-15
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 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 written instruction or consent.
Consumer complaint received 2021-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (NJ)

In a recent review of my credit report, I have noticed some errors. Please make the following changes : XXXX XXXX account # The Date of First Delinquency with the original creditor is not provided. Please provide this. 
The end of the seven-year reporting is not listed. Please provide this. 
Credit Limit is not listed. Please provide this. 
Date of Major Delinquency is not listed. Please provide this. 
Actual Payment Amount is incorrect. Please correct or remove this The Date of Major Delinquency is not listed. Please provide this. 
Charge Off Amount is not provided. Please provide this. 
Incorrect Account Status. Please correct or remove this. 
Original Company Name Not Listed. Please provide this I understand that under the Consumer Credit Act 1974 ( sections 77-79 ), I am entitled to receive a copy of any credit agreement and a statement of account when I request it. I understand a copy of any credit agreement along with a statement of account should be supplied within 12 working days. 
I understand that, under the Consumer Credit Act 1974, creditors are unable to enforce an agreement if they fail to comply with the request for a copy of the agreement and statement of account. 
In the event that you can not verify the details and/or provide the requested information, kindly remove these damaging accounts from my credit report.
Consumer complaint received 2020-12-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

I have had a Citibank savings account for several months. I attempted to withdraw funds and was instructed that in order to do so I had to open a checking account which had fees associated with it. After I did that, I was told I could then withdraw the funds that I needed. Upon attempting to do so, I was told that I needed to call in because there was a problem with the transfer. After calling in I spent an hour on the phone being transferred around and answering questions, at the end of this process I was told the account could not be verified and the funds would not be transferred, essentially that I was not able to access my money. I was also told I could visit a branch location, most of which are closed, the nearest of which is 6 hours plus away from my home.
Consumer complaint received 2019-04-29
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: EQUIFAX, INC. (OK)

I have tried to get inquiries that I do not recognize off of my report from Equifax. I have repeatedly called and filed disputes to no avail. They have told me that it is factual data. Factual data or not I didnt make these inquiries. I have been the victim of 19 data breaches that I can verify.
Consumer complaint received 2020-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (OR)

I was a with US BANK customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Consumer complaint received 2023-03-17
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. (AZ)

This noticie is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
XXXX XXXX 15USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title. A consumer agency reporting shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. The following inquiries are a result of Identity Theft and was not initiated by me. I demand they are DELETED IMMEDIATELY.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

These addresses need to be removed they are over XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX This is my employer from high school and needs to be removed US ATTORNEY OFF My current employer is XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-18
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)

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 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The XXXX Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC Section 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditors, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. REMOVE THIS CHARGE OFF and COLLECTION ACCOUNT COMPLETELY FROM MY CREDIOT REPORT. Inaccurate Addresses : 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 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
Consumer complaint received 2021-10-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

Loancare is supposed to send us our final loan modification documents, by mail, to our home in XXXX, we already signed a full set of documents about 2 monts ago, duly notarized. Then after about 6 weeks I called to see if everything was final and they told me I was missing a document. Now it's been 3 weeks of Loancare sending the new set of docs to the wrong address ( to the property in XXXX  and not to our home in XXXX, where we live, the XXXX  property is a rental, with no tenant currently ). 

The loan modification is because we were in forbearance in XXXX, and then came out of the forbearance in early XXXX when our income recovered from the Covid-19 pandemic. We agreed on a loan modification with Loancare for a XXXX XXXX XXXX XXXX in XXXX XXXX. so the arrears of about {$20000.00} accumulated during the foreberance would be put at the end of the loan. This modificaiton agreement was agreed upon 5 months ago, in XX/XX/XXXX. 

They keep sending me the docs to the wrong address. I have updated my mailing address repeatedly on the Loancare website, since XXXX. Have called every 4 or 5 days to ask them to ensure they send the docs to us in XXXX for signature. They have sent the new set *twice* to the XXXX address and not to us in XXXX, now they have a new set being prepared and apparently are going to send it this week. Once they receive it back they tell me it will be " five or six weeks '' before the final modification is registered. 

This has been going on since XXXX. We have paid the mortgage every month since then, also paid a " trial payments '' of {$1100.00} each, three times which they said was a requirement for the modification. 

The problem is that they refuse to update my loan info on their website, so there it states we have not paid this loan since last year and owe the loan plus about {$20000.00} in arrears. That is not correct, we have been paying the loan since XX/XX/XXXX. 

We are trying to refinance our condo in XXXX and the bank is telling us we need to get this info corrected on the Loancare website. The bank wants a statement showing our Loancare loan is not in default. 

Loancare says they will do nothing until they can register the final modification, despite our having paid our loan since XXXX and being up to date. They will not update the website, and it has been several months now with us waiting to get the documents we need to sign before a Notary. They will not let us print out a scanned or emailed document, either, we must sign the paper copies they send us. 

Am attaching a statement from Loancare for XX/XX/XXXX showing we have made the mortgage payments since XX/XX/XXXX. They will still not update the website info or the mortgage statements info. 

Please help us by requiring Loancare to update our info on their website to show that yes, we have paid the loan, are in good standing, and modification is being finalized. 

Thank you.
Consumer complaint received 2021-03-08
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN NEIGHBORHOOD MORTGAGE (NJ)

I was contacted by XXXX XXXX team from XXXX to refinance my home on or about XX/XX/XXXX. XXXX was my original loan officer, so I felt comfortable giving his team members my personal information. I even provided background information for them to best help my current financial situation. They told me I could go into a conventional loan from FHA, I said I dont think this was true due to my credit card debt & XXXX credit score instead of XXXX +. They told me no worries, we can get it done. I give them my information, they start to proceed the process, they then proceed to tell me to skip my XXXX & XXXX Mortgage payments because they would be paying off the loan in time. I did, however, by XX/XX/XXXX, I had not heard from them for about 10 days. I was starting to get concerned. I reached out via email & contacted XXXX, & his team via their direct lines. I did not recieve contact back until the following monday. They then told me that I had to do an FHA streamline, like I said / wanted in first place. And told me I should pay my XXXX payment to avoid fees, I scheduled it soon after ( XX/XX/XXXX ) but my payment didnt transfer until XX/XX/XXXX. This caused me to recieve a late fee from my current lender & lose out on the 2.5 % I was offered by them & XXXX XXXX ( Current lender ) earlier in the month. I am now being offered 2.875 % Refinance. This will cause my monthly payment to increase & my overall cost of my mortgage to increase as well. I was also asked to give my passwords, & usernames by members of his team because They wanted to get paperwork into underwriting. I believe XXXX & XXXX  team acted in an unfair manner & treated me this way because im young, XXXX years old, & believe I lack the knowledge of an older, more experienced person. I believe they need more training & that they should never treat anyone of any age, race or gender with more respect & urgency like they would of someone with a larger loan or more financial means.
Consumer complaint received 2022-12-14
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: National Credit Systems,Inc. (NC)

I received a copy of my credit report and I found all of these fraudulent accounts and hard inquires that were fraudulent as well National Credit Syst open on XX/XX/XXXX in the amount of XXXXXXXX XXXX XXXX XXXX  open on XX/XX/XXXX in the amount of XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of XXXX XXXX  open on XXXX in the amount of XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of XXXX XXXX open on XX/XX/XXXX in the amount of XXXXXXXX XXXX open on XX/XX/XXXX in the amount of XXXXXXXX XXXX open on XXXX XXXX the amount of XXXX Hard Inquires that was opened XXXX/XXXX  on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX  XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX on XXXX XXXX/XXXX  on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-18
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: AES/PHEAA (PA)

on both XX/XX/2021 and XX/XX/2021, I sent dispute letters to all three credit bureaus for the accounts on the letters attached to this complaint. 

I then followed up with a demand and comply. 

Lastly, I sent settlement letters for the violations on behalf of each credit bureau. 

I have yet to get any responses with results or notice of inaccuracies with my disputes. 

All letters are attached to this complaint. 

this is also a follow up to complaints XXXX and XXXX
Consumer complaint received 2020-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (AZ)

Hello, I am actually strongly disappointed in my service with Home Point. I have been with them guys for almost 3 years and i have made all my payments on time and for some reason a payment was rejected and was put into 30 days late and it is now on time however that 30 day late will not be removed and it has caused a XXXX point hit to my credit which has affected my eligibility to qualify for a refinance with them here in the future. After speaking to multiple associates and submitting multiple disputes to try and get the 30 day late rescinded since we did submit a payment on time that was rejected i will definitely make sure to never use Home Point again and to make sure none of my friends or family never use Home Point as well because this has been a huge damper on my credit and my financial status. I have a wedding approaching in XX/XX/2021  and this has affected the ability to refinance this mortgage, and purchase a new home both which i wanted to do through Home Point however since this issue has happened I will never make that mistake of choosing Home Point again. This is my last effort to plead to have that 30 day late rescinded since we did make a payment that wouldve been on time but was rejected. 
Thank you,
Consumer complaint received 2023-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION (FL)

Service Finance released funds to a vendor without my consent knowing I did not receive the product ( hurricane sliding doors ) They paid a vendor XXXX XXXX XXXX XXXX XXXXXXXX ) {$27000.00}. I still do not have the product but Service Finance has sent me to collections. I have made multiple attempts to seek resolution. Service Finance has now closed the account and called the debt a charge off. This issue has been ongoing since XX/XX/2022. I am being expected to pay off a debt of {$27000.00} for a product I did not receive. 
I believe Service Finance relies on the business of XXXX XXXX XXXX  XXXX and has ignored my requests for assistance in resolving this matter. I believe they knowingly paid XXXX XXXX XXXX  XXXX despite my active dispute and claim that I did not receive the doors. 
The only calls I have received from Service Finance were to remind me that I was expected to make a payment. As I have stated on multiple calls, I never received my doors from XXXX XXXX XXXX XXXXXXXX. Despite providing those details to Service Finance, the funds were paid to XXXX  without proof of product delivery in XX/XX/2022. This was after supposed delivery in XXXX of XXXX  and repeated calls to Service Finance instructing them not to release the funds. XXXX XXXX XXXX XXXX ignored my calls, demand letters from an attorney, emails. 
XXXX needs to refund Service Finance. I will not pay for doors I never received, Calls I receive from Service Finance are either answered or called back. I speak with every agent and share that I have a complaint under review at Service Finance. There are calls that I miss or can not answer however, it is egregiously false to suggest I do not reply or respond. I have call records to show that to be false. The emails I receive are from a " do not reply '' email. 
I have never received a call from XXXX XXXX XXXX  XXXX. XXXX stated that I refused to speak with the contractor and my complaint file was closed. That is false. XXXX has not contacted me. 
As attached in my original complaint, I filed a complaint with the Florida Professional Board.
Consumer complaint received 2023-03-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (FL)

PHOENIX FINANCIAL SERV flagged my credit report on XXXX on XX/XX/XXXX for {$1400.00}. I have had no prior interaction with them nor received any notice of having any debts. The account was disputed and a week later on XX/XX/XXXX was marked as accurate information on XXXX. XXXX opened another dispute for me for fraud against them again this same day. I have also contacted the company and they claim it is due to an ambulance bill from XXXX. They also could not provide an itemized bill or more details to me about this. I was told they do not have a bill and they would need to go request one. I was a minor for the first part of XXXX and have not taken an ambulance.