davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NC)

Discover Credit Card- Discover sent me a email stating there were multiple fraudulent charges mentioned on my account. I confirmed with the creditor which purchases were fraud and they proceeded to mail me a new card. I received my new card but, before I could use it I received another email ( from Discover XXXX that IRS needed me to complete a 4506-T form for account verification. Skeptical, because my account was recently hacked, I asked the Rep to verify my account info before I complete the form. The representative refused. I proceeded to disregard the request at the risk of it being fraud due to the recent activity with my account. Yet, I still completed the form because- it's the IRS ! I began receiving more of the same request and was contacted by a representative. I informed the rep that I completed the request and he proceeded to tell me to disregard his call. I then received a email from Discover on XX/XX/2020 stating " we need to talk right away ''. I returned the call within 48hrs just to be told my account was deactivated " due to business reason. '' I asked to speak to a superior for better justification but she could not get a Manager to answer the call. The representative took my information and complaint to have my request reviewed by a manager for a return phone call. I never received a call back from Discover, but I contacted them AGAIN for reason why my account would be deactivated ( XX/XX/2020 ). The representative now discloses that my account was closed because of an address dispute. This is poor Management at the least, but discrimination by a company with such history could be argued. I am a XXXX XXXX who gets appointed to sites for work. Therefore, I have a primary address and my current address. Such a clerical justification could have completely allowed for customer satisfaction if properly considered. But, that's not the case in this matter. Instead, the customer has to have a blemish on their credit report : aging history, debt to income, etc. Not to mention, I never had a late payment with the creditor. I hope you consider my complaint reasonable and justified. Thank you,
Consumer complaint received 2020-02-19
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: DISCOVER BANK (NY)

This complaint is additonal information from the 1st complaint I had previously submitted. I have been having an issue with my discover card. I complained in my first complaint that there was frudulant activity on my card. I had received the credit back after the investigation however a month later they put the fraudulant funds back onto my credit card. They want a police report. I went down the precient and was told they can only fill out a field report which is not what they are looking for. I also complained about not being able to view my account online anymore. I was told they will fix that and allow me to view my account online. They never did. Yesterday XX/XX/2019 a payment arrangement that was previously arranged I had changed to a different date. Upon completely the date for the payment to come out I had asked why I am still not allowed to view my account online? I also stated I was told in the last conversation last week it would be fixed. I was put on hold for over 45 minutes waiting to be transferred back to customer service to resolve this issue. However after a 45 minute  wait I hung up. I am very upset at the fact that I am being billed close to {$1700.00} plus interest and fee 's that accured do to this fraudulant activity and on top of that I still can't get online.
Consumer complaint received 2017-06-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ray Klein, Inc. (WA)

A medical XXXX by the name of XXXX XXXX at XXXX XXXX in XXXX WA. Without permission requested tests beyond what my wife requested which ended up costing us 4 times the amount that was expected. We disputed this amount with the XXXX XXXX and ended up reporting the doctor to XXXX XXXX XXXX XXXX. Since then XXXX XXXX turned our bill over to a collection company by the name of Professional Credit Services. I spoke with them on several occasions until XXXX XXXX 2014 when I agreed to pay the money that was correctly owed to resolve the case. Since then I have not heard from them until this week when I got notice of still owing {$690.00} plus interest of {$230.00} -- some two and a half years later. It is for this reason that I am reporting them to you in the form of a complaint. Also to be clear, we have continued to get services at XXXX XXXX and have no problems with our account regarding other doctors.
Consumer complaint received 2023-09-08
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. (VA)

I paid off my XXXX account in XX/XX/2022. As of today, XX/XX/XXXX - XXXX has not updated the balance on the three credit bureaus ; I have opened eleven disputes regarding the balance of my account. No one is reading the account status - to the letter! 

The majority of the customer service representatives have language barriers- unacceptable. The department that handles the credit reporting need additional training.
Consumer complaint received 2020-02-19
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (IN)

In XX/XX/2019 freedom mortgage reached out to me about refinancing my home, I was a little hesitant but went on with the process. Now here it is the end of XXXX and we still haven't closed, although I have received at least 4 calls/texts/emails saying it's time to close, but when I call back there is another stipulation. I was told SEVERAL times we wouldn't have to make a payment on our current mortgage since they were gon na be paying it off, but then they came back and said we couldn't move forward until XXXX payment was made, at this time a late fee was applied, they promised to have it removed, its still not removed. After being promised if we paid the XXXX payment we would move forward, we still haven't. I have now had to pay XXXX payment. No one will return my calls or emails at this point. Several weeks ago I was told my case was being expedited, not sure what that word means to them, but a month later and still no response is unacceptable! Having to come up with 2 payments I was previously told not to worry about has put a major strain in my life and no one there seems to care about their negligence. Makes me wonder if this is even a legit company!
Consumer complaint received 2022-12-15
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. (TX)

I'm resubmitting this complaint on behalf of complaint XXXX. I used auto fill for contact information and it put my daughter 's name which I was unaware of until I submitted the complaint. For verification purposes I will include my DL. Per my last complaint, I do not believe that an investigation was done because there are still unauthorized inquiries on my report. I have already filed a report and sent letters to the credit bureaus 7 months ago explaining that the inquiries being reported are not correct. I will attach the letter with this complaint. The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply - remove the following from my Equifax report immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (AZ)

I initiated a refinance effort in late XXXX, 2019. I expected the loan to close in early XXXX. I believed payoff on this loan was made timely by my new lender XXXX XXXX XXXX. Despite contacting Flagstar repeatedly asking for an update via chat, email, and phone, the Flagstar team could never confirm receipt of payment from my new lender. My new lender insisted that the payoff was sent, which was my reply as time wore on and Flagstar repeatedly called for a payment on XXXX mortgage. I informed every caller my new lender says the payment was sent and do you see anything on your side? Each time, the response I got was no payment received and once, It can take up to a month for payoffs to show. Having heard that, I was not particularly concerned that this was anything other than payments crossing in the mail. 
For 2 weeks, I showed an open balance on both the new lending institution ( XXXX ) and Flagstars respective online portals. I provided Flagstar the payoff wire code details from XXXX without prompting from Flagstar to get some movement on this. I never received any response from Flagstar regarding the payoff wire neither yes, we saw it, but or we dont have that transaction code in our system. NOTHING. 
I later learned that both Flagstar & XXXX paid the same homeowner insurance premium. On Flagstars side, that changed the escrow balance, and therefore changing the payoff amount. For that reason, when the payoff wire came in, it was inadequate to satisfy the loan in full, and was accordingly rejected the next day. Still no acknowledgment for the receipt or notification of the rejection from Flagstar. All the action and pursuit to resolve this was initiated by me and my lender reaching out to Flagstar. I never got any substantive information from Flagstar other than, your mortgage payment is late. Based on what Flagstar reps told me it could take up to a month, and both mortgage lenders showing a balanceI had every reason to expect this to get resolved with a little patience. 
When XXXX contacted Flagstar, they learned of the error. To address this, the updated payoff was recalculated by Flagstar, paid off by XXXX, and the subsequent loan closure was resolved quickly. 

I have called, written and emailed Flagstar to appeal their decision to file negative credit information about me. My argument is simple, what should I have done differently? What was my mistake? I have yet to receive an answer. I had two active loans should i have paid both? Does Flagstar have a responsibility to alert the borrower or the new lender about the rejected payment? They gave me incorrect information repeatedly when I proactively tried to fix this. Now, appealing this for my 5th time, Flagstar has rejected me again. This is totally unacceptable. They are penalizing my credit for THEIR mistake ( s )!
Consumer complaint received 2022-03-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

Coinbase , Inc . 

In a response to my prior CFPB complaint # XXXX, you stated, " In relation to your specific question about why cryptocurrency sends were not delayed 48 hours after a password reset was initiated from an unknown device, this was not a feature offered by Coinbase at the time of the alleged unauthorized activity on your account. During the time in question, a password reset was delayed by 24 hours on your account, once the 24 hours had elapsed, the alleged unauthorized third party was able to proceed with the password reset using your compromised email address. '' This is false. Below is the timeline of the actions and theft of my funds : Unauthorized Coinbase Password Reset Time : Same Minute at XXXX The correct information of Coinbase password request and password completion is as follows : IP address XXXX password REQUEST on XX/XX/2021 XXXX IP address XXXX password COMPLETE on XX/XX/2021 XXXX This password completion was performed and successful with the SAME MINUTE and not the 24 hour time elapsed, you claim. 

Verified Second Factor Time : Same Minute @ XXXX ( See document attachment ) New device Completed. 
Confirmation completed Time : Same minute @ XXXX Unauthorized Transfer of BTC Time : XXXX ( XXXX minutes after Coinbase password reset ) Unauthorized Transfer of ETH Time : XXXX ( XXXX minutes after Coinbase password reset ) Attached on this complaint are the screenshots on your network involving my account. 
Includes the timestamps of Requested Password reset, Password Reset completion, Verified second factor, New device Completion. 

Also, the 48 hour security hold time of funds-sends was and is a feature.

Next, I immediately took precautions and froze my account. I received a confirmation email from Coinbase On XX/XX/2021 at XXXX pm and another on XX/XX/2021 XXXX that shows I FROZE MY Coinbase account. The 2 screenshots are provided on this complaint and are attached.

Time : Confirmation is less than 10 hours of password change. My action is less than confirmation email.

YOUR SECURITY FEATURE of 24 hour password delay that you claim had elapsed on my account is incorrect.

IF YOU ENFORCED YOUR SECURITY FEATURES you promote, publish, I would have my funds.

What you are doing, and what you've done is classic fraud.

At this point you are fabricating the timing and events that took place on my account to attempt to have no responsibility and blame it on a phone carrier.

I continue to submit all facts on this case, including this deception to the Attorney Generals Office of California, as well as the FTC.
Consumer complaint received 2022-10-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2021-11-18
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. (MN)

The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2021-08-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

Where do I begin? Im beyond frustrated with the assistant I have gotten from Experian regarding the account with XXXX  on my credit report. XXXX XXXX from how to get away with murder has nothing up on XXXX  because they have violated my consumer rights. I pray you guys review this complaint and hold them accountable. First of Ive been disputing this account for a while. I was surprised when I wasnt receiving any responses from the creditor. To my surprise I later discovered Experian has been reporting the WRONG ADDRESS FOR THE CREDITOR XXXX  while XXXX  is reporting the correct address this has given AN UPPER HAND Ive lost time and money because of this. Not to mention Experian has constantly stated they verified this account as mind. However, based on reports over the last couple of months THEY IS NOT ONE NOTICE OF DISPUTE LISTED THATS A VIOLATON PLEASE DELETE ACCOUNT by the way Ive attached the recordings. And when I spoke to XXXX in XXXX XXXX he was very rude and advise me there was no such law that a notice of dispute had to be documented he mentioned that was up to the creditor he threatened to disconnect the call and over talked me and not once was I irate and rude to him
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

on XX/XX/XXXX I began writing letters to dispute inaccurate information on my credit report with Equifax. on XX/XX/XXXX I sent them a letter because they failed to respond. In my notice I gave them 15 days to to respond. Still no response. On XX/XX/XXXX I sent another failure to respond notice with intent to file a complaint, and they still gave not responded.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2021-04-16
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. (FL)

ATTN XXXX  Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-11-17
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: EQUIFAX, INC. (DE)

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I went to het a new lease and they gave me a copy of my reports and Im stressed and cant believe Over 90 days  ago I sent letters about an investigation into items that were INNACCURATE, Unverifiable and Invalidated. To this day I have not received a reply or my investigation results or any acknowledgment that an investigation has begun not even on my credit reports.I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.
Consumer complaint received 2022-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I filed a dispute with 5th 3rd for a purchase I made on XX/XX/XXXX something for {$31.00} to XXXX XXXX  They gave me a provisional credit until they investigated. I received a letter in the mail that they were retrieving the credit as the seller provided proof that I received the product. Never did they say let 's discuss further or tried to get my side of the story. 

I made a purchase with XXXX XXXX sometime in XXXX. When checking out a used the XXXX XXXX to expedite the check out process. After the payment for the {$31.00} went through, I noticed that it had the wrong address showing. So I looked on the website there's no phone number only an email address. I immediately emailed them, till this day I still haven't received a response back from them. 

I waited to see if I would get the package since it was my old address and I had a forward to my new address in place. All it stated that they placed it in the mailbox. I immediately called my old landlord and basically the new tenant refused to give me the package. 

I called the post office and put in a claim and they stated that they'll go and retrieve the package they were unsuccessful. 

Please see all evidence.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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.