davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-15
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. (NY)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2019-08-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (OH)

I request that Enhanced Recovery Company {$240.00}, {$530.00} formally substantiate account data Enhanced Recovery Company conferred to the major credit bureaus for me, XXXX XXXX, with respect to the unverified account. Since errors may be contained within in that data, I hereby request that your company collect and forward the formal validation within a month of receipt of this request. In addition please supplement with materials which verify that the account was not utilized as a profit-loss tax deduction. I need more than a summary one-sheet. Instead, I have demanded a substantive validation. Should you be unable to comply with my request during this reasonable period, any data disseminated from you to the major consumer reporting agencies must be considered counterfactual and may bespeak Enhanced Recovery Company desire to ignore consumer protection law. If this is the circumstance, kindly annul such bureau reports upon your next transmittal. Thanks sincerely for your assisting me.
Consumer complaint received 2021-05-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

I am notifying you that I mailed Experian, XXXX, and XXXX a dispute letter about their inaccuracies and incorrect information. There was 2 ( XXXX XXXX  XXXX XXXX XXXX ) accounts that I notified them about because I found too many errors and inaccuracies. I mailed the letters out on XX/XX/2021. XXXX, Experian, and XXXX has not responded to my dispute letters and its been over 30 plus days and that's a violation. They have not issued a notice of dispute on neither of the 2 accounts.
Consumer complaint received 2023-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (NJ)

I run a small personal business XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Sometimes customers pay by cash or checks. A few checks were deposited so they placed my account on hold. While my account being placed on hold, i had an electronic payment that was deposited into my account on XX/XX/2023 in the amount of {$6300.00}. They told me my account was under review while they verify the checks. I explained to them that i dont owe the bank any money & they arent sure as of yet if the checks were made out to me or not. I told them they cant hold my funds if they arent sure whats going on with the checks. They have refused to release my funds. Nowhere in their policy does it say that they can hold my funds for more than five business days with my account being on hold.
Consumer complaint received 2021-05-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

I am notifying you that I mailed XXXX, XXXX, and Equifax a dispute letter about their inaccuracies and incorrect information. There was XXXX ( XXXX XXXX XXXX XXXX XXXX ) accounts that I notified them about because I found too many errors and inaccuracies. I mailed the letters out on XX/XX/2021. XXXX, XXXX, and Equifax has not responded to my dispute letters and its been over XXXX plus days and that's a violation. They have not issued a notice of dispute on neither of the XXXX accounts.
Consumer complaint received 2021-08-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (FL)

On XX/XX/2021 I received a text and email that a phone number had been added to my Coinbase account. I immediately logged in and Changed my password then locked my account so no further actions could be taken. I have not had access to my account since this day. No one will get back to me and no one is answering my complaints. There is not a person to talk to just an automated system that leads you no where. Since then I have submitted several requests and complaints to rectify this situation. I still have not heard anything to this day. I have contacted the SEC and FTC regarding this as well with no fix as of yet. I have lost over {$3000.00} as of now although I don't know the real amount because it flows the coins I own.
Consumer complaint received 2022-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Social Finance, Inc. (VA)

On XX/XX/2022, I paid my SoFi personal credit card statement balance in full ( over {$2500.00} ). The credit card company 's own app showed that the payment posted ( not pending, but posted ) on XX/XX/2022. The payment is also shown as having been drafted from my checking account at another bank. I have tried to use the card, but it is being declined. I called customer service and was told that the payment posted but that I would need to wait another 2-5 business days before the payment would actually be credited to my account. I don't understand why they are showing the funds as posted, drafted out of my deposit account, but SoFi will not acknowledge that payment for several additional days. I have never missed a payment and have not overdrafted this account. It appears that the card company is using my funds for several days before after the payment is shown n SoFi 's system as having been posted. This practice of essentially holding funds for a week is depriving me of my use of the funds without compensation. At minimum, it is deceptive and misleading to relay to a consumer that a payment is " posted '' but then failing to actually apply it to the statement balance for several business days. This has caused embarrassment to me when the card was declined.
Consumer complaint received 2021-08-27
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX ... XXXX  XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXXXXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-12-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Upgrade, Inc. (TX)

We are showing 13 missed/ late payments. They were reporting to XXXX XXXX 100 % on time and another late with 9 reports. After calling and having them do an investigation onto why when all payments have been made and put on their hardship they went to the credit that was reporting 100 % and put 13 missed payments on that one. We have 25 payments made to this company even double payment and I have emails from their representatives showing that our account has been active doesnt show any late or delinquent and also being on their hardship or reduce our payment amount and never be reported to credit, also during that time their website did tell us we were delinquent and I have an email saying to ignore that because we were on a hardship and they do not report delinquent. I have many emails proving what they told me wrong with the credit reporting and they do not want to fix it when I have a complete proof that they are in the wrong.
Consumer complaint received 2019-08-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

We are experiencing medical hardship due to a medical XXXX. When we became 2 months behind on our payment we notified the loan servicer, Caliber Home Loans of our efforts to resolve our balance and keep our home and provided proof of the medical hardship. We also requested payment options but were denied. Therefore we resumed making our monthly payments. However, Caliber kept reversing our payments and claiming we incurred NSF fees because we didnt have enough funds in the bank ; which wasnt true at all. We checked numerous times with our financial institution and ensured all payment information were accurate. We requested numerous times over the phone and in writing, that Caliber investigate the back to back payment reversal errors and remove the fees associated with them. They refused to remove any fees or investigate the errors since we first discovered them in XX/XX/XXXX. There are approximately 4 or 5 payment reversals on our account. Caliber has refused to respond to our numerous written requests regarding this. Yet, in XX/XX/XXXX, Caliber flagged our account as foreclosure status and blocked our ability to submit our regular full monthly mortgage payment amounts. In XX/XX/XXXX, when we had saved up more the past due balance, we requested a formal reinstatement payment amount and discovered that Caliber Included all of the NSF fees, along with late fees and attorneys fees into the balance. We then couldnt afford to reinstate as we expected. We asked for payment plans and were refused payment options. Weve submitted numerous loss mitigation applications, but Caliber denied them and stated we needed to wait until our account has been with them for 12 months from our first payment date. As soon as we reached the 12 month period, we submitted a complete loss mitigation application to Caliber. They refuse to confirm that they have received a complete loss mitigation packet as they have done before, and refuse to offer us loan modification option. Its been two months and weve demanded a response regarding our eligibility for loan modification and the results of the payment reversal, still they refuse to respond to our requests.
Consumer complaint received 2019-08-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB, Inc. (CA)

I went to the hospital and was charged for services which the insurance paid all but {$11.00} of the bill. 
Hospital mailed bill to the wrong address two or three times so we didn't receive the bill then the hospital sent the bill to the a collections company. 
Collections collected the full amount of the bill instead of charging us for the {$11.00} balance.
Consumer complaint received 2021-12-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CHS, Inc. (VA)

I have called this company multiple times to get my account number to pay my debt, every time I speak with the representatives here in XXXX, Virginia, they are rude even though I am trying to pay. They won't take payment over the phone. They stated they are sending me the information in the mail multiple times and I never get anything. I made sure they had my correct address and everything. They will not send me anything. My credit score is being affected by them.
Consumer complaint received 2021-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

To summarize, when talking with an account supervisor for Capital One, I was told that, " you need to spend more on your credit card '', despite having mentioned that spending more on my card would negatively affect me. This strikes me as an abusive practice under XXXX. 

To expound, on Tuesday XX/XX/2021 I called Capital One to discuss an issue I was having with a credit line increase. I had been automatically declined for a credit line increase due to not meeting credit utilization requirements. However, my current credit utilization with Capital One was sufficiently high to lower my credit score. Hence, given perfect repayment history over several years, a credit line increase seemed warranted. As such, I described this situation to an account supervisor. The account manager told me that to receive a credit line increase I would have to satisfy the condition for which I was declined. I clarify by asking if this meant I needed to spend more on my credit card to which I was told yes. This concerned me as I had already expressed that spending more would negatively affect me. I conveyed this to the account manager but was told again " you need to spend more on your credit card ''. 

UDAAP defines an abusive action one that " Takes unreasonable advantage of ... The reasonable reliance by the consumer on a covered person to act in the interests of the consumer. '' The aforementioned situation seems to be just that.
Consumer complaint received 2019-08-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I sent letters XX/XX/XXXX but never received any response to the letter sent. I waited 45 day then resent the same information that I will be attaching today. 

The following account you are publishing about me is [ inaccurate or incomplete or inaccurate and incomplete ] because they do not belong to me nor have I done business with these companies. 
XXXX XXXX ( XX/XX/XXXX ) {$0.00} XXXX/XXXX ( XX/XX/XXXX ) {$0.00} XXXX XXXX XX/XX/XXXX ) {$0.00} XXXX XXXX ( XX/XX/XXXX ) {$11000.00} XXXX XXXX ( XX/XX/XXXX ) {$0.00} XXXX XXXX ( XX/XX/XXXX ) 08 XXXX XXXX {$2000.00} I request that you delete the above-listed tradelines and provide me an updated copy of my consumer report. Inform anyone that you reported the deleted information to that it has been properly deleted. If you conclude that the tradeline items are verified, I request details of your method of verification.
Consumer complaint received 2018-07-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (GA)

I opened a checking account with Citibank N.A. through their online portal and funded the account in the amount of {$15000.00}. I received a bank statement for the period XX/XX/2018 through XX/XX/2018 that stated that the deposit had been made on XX/XX/2018. 

On XX/XX/2018, I called Citibank to inquire why I could not activate the debit card that they had sent me and I was advised that the account had been closed by Citibank. They claimed there were issues about my address and they unilaterally closed my account when they could not resolve the issue. I was further told that in order for Citibank to send me my money they would need a copy of a utility bill. On XX/XX/2018, I faxed a letter to Citibank that stated that I do not have a utility bill in my name as they are in my husband 's name and his last name is not the same as mine. I faxed Citibank a copy of the debit card which I had received and the copy of the bank statement as proof that the address that they had was a good address. 

On XX/XX/2018, I called Citibank to confirm receipt of my fax. I spoke with XXXX in the New Accounts Department ( she refused to give me any last name or employee information ) and she said that she could not send me my funds unless I had a utility bill or went into a bank branch to get my money. I live in Georgia and the nearest branch is in Washington D.C. I offered to send a copy of my driver 's license to prove my address but she told me that that was not acceptable. I asked to speak to a supervisor and XXXX told me that there was no supervisor available. 

I need the help of the CFPB to get me my {$15000.00} which Citibank is illegally holding.
Consumer complaint received 2022-03-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (DC)

Hello, my loan company ( LoanDepot ) is dragging their feet in removing PMI from my loan after I met all of the qualifications in XX/XX/XXXX. I have contacted them several times recently ( originally in early XXXX, again around XX/XX/XXXX, and again on XX/XX/XXXX ), each time I was told that I would get a " resolution '' on my request to remove PMI in a few days. They have failed to contact me as promised each time, and each time I call, I speak to a different person who needs more time. I haven't been able to get any clarity on what is taking so long, but they genuinely seem to be intentionally dragging it out as long as possible in order to continue collecting extra payments. 

For context, I submitted a written letter in early XXXX formally requesting PMI removal as their policy requires. They confirmed receipt of the letter on or around XX/XX/XXXX. I have never missed a payment on my XXXX year loan and am in good standing. 

I have tried resolving this with LoanDepot, but I no longer believe they are operating in good faith. The last time we spoke, I let them know I would be filing a complaint if they failed to give me an update again. I was assured a manager would contact me no later than last Friday ( XX/XX/XXXX ), which they did not do. 

Once the XXXX payment is pulled, that will mark XXXX full months of extraneous PMI payments made to LoanDepot after I met all requirements for PMI removal and submitted a formal request to remove it as per the Homeowners Protection Act ( HPA ) guidelines.
Consumer complaint received 2019-08-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I sent letters XX/XX/XXXX but never received any response to the letter sent. I waited 45 day then resent the same information that I will be attaching today. 

The following account you are publishing about me is [ inaccurate or incomplete or inaccurate and incomplete ] because they do not belong to me nor have I done business with these companies. 
XXXX XXXX ( XX/XX/XXXX ) {$0.00} XXXX/XXXX ( XX/XX/XXXX ) {$0.00} XXXX ( XX/XX/XXXX ) {$0.00} XXXX XXXX ( XX/XX/XXXX ) {$11000.00} XXXX XXXX ( XX/XX/XXXX ) {$0.00} XXXX XXXX ( XX/XX/XXXX ) 08 XXXX XXXX  {$2000.00} I request that you delete the above-listed tradelines and provide me an updated copy of my consumer report. Inform anyone that you reported the deleted information to that it has been properly deleted. If you conclude that the tradeline items are verified, I request details of your method of verification.
Consumer complaint received 2021-07-12
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. (TX)

Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.
Consumer complaint received 2022-10-12
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. (NC)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX 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 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 2021-12-15
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: Experian Information Solutions Inc. (AZ)

my name is XXXX XXXX i am writing this myself on behalf of myself, any authorization or verification you say you need consider it given.. 

your company is in violation of 15 U.S. Code 1681a ( 2 ) Exclusions ( B ) and in violation of Under truth and lending 15 U.S. Code 1602 ( I ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

By that definition my social security card is a credit device existing for the purpose of obtaining money, property, labor, or services on credit.

And anything that extends from a credit card or similar device according to 15 U.S. Code 1681a ( 2 ) Exclusions ( B ) ; should be excluded from my credit report.

not only that, but since i am the original creditor according to 15 U.S. Code 1692a ( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.

as the original creditor, only i can validate this debt. i do not validate this debt which puts this agency in violation of 15 U.S.C 1692g. since i wasnt notified of this in writing 5 days prior.