davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-13
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. (CA)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint.

I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (TX)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-03-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

On XXXX XXXX2022 I made several large deposits to Coinbase from a personal account of mine. I had XXXX as CASH assets in my account. I purchased crypto currency, a few days later Coinbase took my assets. I want my initial investment returned, or up to the amount they are FDIC insured for.
Consumer complaint received 2023-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (TX)

I am not liable for this debt as it was paid by a XXXX XXXX with the state of Texas with Pandemic relief funds. The energy company said that I was on a program and that my lights wouldnt get cut off as long as I agreed to the continued charges. It was later I found out that they were not honoring the Program and I had the find assistance elsewhere. Which paid the balance.
Consumer complaint received 2022-03-13
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)

On XXXX, I submitted a dispute request to Equifax about a debt that was already paid off on XXXX, but it wasn't removed.
Consumer complaint received 2018-10-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Financial Resources, Inc. (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2022-03-13
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. (CA)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report.

Failure to do so is a violation of my rights.
Consumer complaint received 2018-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I had issues while trying to make my payments online for my cabelas credit card I was assured that my payment went through over the phone but in fact it never did. I called again after I found out that my payment was over thirty days late via my credit report. Ive disputed with the credit bureaus and that didnt work. The first time I called I was told that no late payments were in their system. The latest time I called I was told that there is two late payments. I should not be faulted for issues with online payments and poor customer service. I closed my accounts as soon as problems started to occur. I will close my second capitol one acount as soon as I pay it off. I will not use them again.
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I filed a dispute with the credit bureau for a collections account with XXXX XXXX XXXX. I provided proof to them that I filed a complaint against XXXX XXXX XXXX with the CFPB and they agreed to stop collection on the debt and remove if from my report. After sending this information they updated the account as a paid collection instead of removing it which is inaccurate. This account should be completely removed.
Consumer complaint received 2018-10-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CO)

On XX/XX/XXXX from approximately XXXX to XXXX Several fraudulent charges were made via my paypal account ( XXXX ). I received a mobile alert via XXXX XXXX XXXX XXXX and was also advised that my card was being placed on a suspended status for suspicious activity after money was transferred from my bank account to PayPal to cover the expenses. At this time I was in Texas using my Debit card to buy gas. After investigating the suspicious activity myself I was able to find out from Paypal that the charges came out of another state. Since I can't be in two places at once I figured this would be an open and shut case ; however, paypal is denying my claim, claiming they have " proof '' that I authorized the charges. I am willing to provide testimony under penalty of perjury that these were not my charges. As I understand these charges were for goods that were not tangible but electronic. After spending time talking to my financial institution and paypal that situation still remains unresolved. The following are the charges : I have provided a screenshot of my debit card activity that ranges from New Mexico to Texas during the time of these transactions. 

Account BILL PAY CHECKING XXXX Original DescriptionXXXX XXXX XXXX CA Trans. TypeDEBIT CARD PURCHASE Posted DateXX/XX/2018 Amount ( {$24.00} ) Auth. DateXX/XX/2018 Account BILL PAY CHECKING XXXX Original DescriptionXXXX XXXX XXXX CA Trans. TypeDEBIT CARD PURCHASE Posted DateXX/XX/2018 Amount ( {$49.00} ) Auth. DateXX/XX/2018 Account BILL PAY CHECKING XXXX Original DescriptionXXXX XXXX XXXX CA Trans. TypeDEBIT CARD PURCHASE Posted DateXX/XX/2018 Amount ( {$63.00} ) Auth. DateXX/XX/2018 Account BILL PAY CHECKING XXXX Original DescriptionXXXX XXXX XXXX CA Trans. TypeDEBIT CARD PURCHASE Posted DateXX/XX/2018 Amount ( {$9.00} ) Auth. DateXX/XX/2018 Account BILL PAY CHECKING XXXX Original DescriptionXXXX XXXX XXXX CA Trans. TypeDEBIT CARD PURCHASE Posted DateXX/XX/2018 Amount ( {$5.00} ) Auth. DateXX/XX/2018
Consumer complaint received 2018-10-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Specialized Loan Servicing has threatened to foreclose on my home. I can not get anyone to give me a straight answer. I sent in a QWR months ago that they did not respond to. They sent a notice of default in XXXX 2017 but have not foreclosed yet but threaten and send bills and call constantly. I asked for a breakdown of all the late fees they are charging me ( {$30000.00} payments and late fees ) but will not send me a breakdown as to how they came about this number. What can I do? Please help. This company is impossible to deal with. I am trying to obtain an attorney.
Consumer complaint received 2023-03-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WA)

My mortgage loan was transferred from XXXX XXXX to Nationstar Mortgage LLC aka Mr. Cooper on XX/XX/XXXX. My escrow balance of {$2100.00} was also transferred to Nationstar Mortgage. I received a welcome letter from Nationstar stating the amount of escrow balance with the statement " Our records indicate that you have an escrow account for taxes and/or insurance '' XXXX XXXX did an escrow analysis on XX/XX/XXXX stating that we had an escrow surplus and sent us a check for {$430.00}. My Hazard Insurance was due on XX/XX/XXXX. Nationstar/Mr. Cooper did not make the payment. Nationstar/Mr. Cooper had all of the necessary information available to them to make the payment ; Insurance Company name : XXXX XXXX and address, policy number, due date and amount due {$800.00} Therefore our Hazard Insurance was cancelled. We did not receive notification from our insurance company that our policy was cancelled. 

We received a letter from Nationstar/Mr. Cooper dated XX/XX/XXXX and XX/XX/XXXX stating that our hazard insurance had expired. We contacted our Insurance company and they stated it was cancelled for nonpayment. We were able to get our policy reinstated. I called Nation Star/Mr. Cooper and spoke with a representative on XX/XX/XXXX and asked her why they did not make the payment. She stated that " this happens all the time '' and tried to place the blame on me for not contacting my insurance company to let them know that I had a new mortgage company. I pointed out that they had all of the information they needed to pay the bill. 

I received another letter from Nation Star/Mr. Cooper stating that I needed to provide proof that I had hazard insurance coverage for the lapsed period XXXX or they would by a policy on my behalf. I did not have proof of coverage because Nationstar/Mr. Cooper did not make the payment that was due on XX/XX/XXXX. I was not informed my Nationstar/Mr. Cooper that my policy had lapsed until XX/XX/XXXX. 

Nation Star/Mr. Cooper withdrew {$1800.00} from my escrow account to pay for a Hazard insurance policy from XXXX XXXX XXXX XXXX issue date XXXX cover the lapsed period XX/XX/XXXX, XXXX XXXX, XXXX. Now I have an escrow shortage that I will need to deposit additional funds in order to have my property tax paid I believe that Nation Star/Mr. Cooper committed a violation of the Real Estate Settlements Procedures Act as they are required to make timely payments if the borrower has maintained sufficient funds in their escrow account. I believe that they are participating in predatory practices
Consumer complaint received 2022-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (FL)

I am XXXX XXXX XXXX, XXXX XXXX, Suntrust Bank is transition to change to Truist Bank, they promised to send my debit card from 21 ago and I never received, just I habilitation my old Suntrust Bank via email enroll to continuos performer to withdraw or deposit, collect my money via the digital transaction in XXXX app, Today Saturday XXXX at XXXX pm, I call to this bank to order a claim my ATM card, just I never received, this representer person order a new card, and he says ok listen right know your ATM card it doesn't work, so do you have open one Truist Bank close to your home, go before to XXXX PM will be closed and take and another card, he says thank you so much and bye. 
Just I go running to this Trust Bank, and I see a big surprise, the bank is closed every Saturday. Please help me. this is not the correct action please protect to all people who have accounts in this new Truist Bank. I don't have the freedom to withdraw or deposit any transaction again.
Consumer complaint received 2018-10-29
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: Riverwalk Financial Corporation (TX)

This complaint is regarding XXXX XXXX XXXX claims I have a charged off, closed account in the amount of {$13000.00} that was apparently opened XX/XX/2018. I am writing to advise you that XXXX XXXX XXXX is in violation of TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. as well as the DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT, SUBCHAPTER E. which prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. After researching XXXX XXXX XXXX on the Texas Secretary of State debt collector website I have found that XXXX XXXX XXXX  is not bonded in the state of Texas. I am requesting XXXX XXXX XXXX immediately delete this entry with all credit reporting agencies they are reporting this entry to due to being in violation of TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. as well as the DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT, SUBCHAPTER E.

The TEXAS DEBT COLLECTION ACT ( TDCA ) defines a debt collector as any person who directly or indirectly engages in debt collection and further applies to creditors attempting to collect their own debts. TEX. FIN. CODE 392.001 ( 3 ). Furthermore, Sec. 392.301 ( a ) ( 4 ) of the TEX. FIN. CODE prohibits threatening to sell or assign to another the obligation of the consumer and falsely representing that the result of the sale or assignment would be that the consumer would lose a defense to the consumer debt or would be subject to illegal collection attempts.
Consumer complaint received 2018-10-29
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (GA)

I modified my loan with XXXX in 2009. 
The company changed name and is now called Ocwen. I was told if I had 3 years of timely payments on a trial basis bases and I kept the house, the loan would be as is with no prepayment penalty and I would not owe additional funds. I have been renovating my house out of my own pocket since then. I want to refinance my loan. When I asked for a pay off with Ocwen informed me I owe them an additional 25 % of the new appraised value. There was one stipulation, if I renovated and submitted receipts they would deduct that dollar per dollar. I asked what is criteria for remitting receipts and what would be accepted. I was told there was no one to talk to and it's up to their discretion. I want some solid guidelines. When I researched this loan, numerous people were told the same as myself that we were out of any pay back after 3 years. How can this be so subjective? And they lied about a three year termination of any stipulations. My email is XXXX XXXX
Consumer complaint received 2018-10-29
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: BARCLAYS BANK DELAWARE (FL)

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the  information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Brclysbankde XX/XX/2017. 
I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Consumer complaint received 2018-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

On XX/XX/2018 it was brought to my attention that there was accounts for credit cards from capital one and XXXX XXXX with all my information Accounts I couldn't even access cause I didn't know anything about it. Someone had use my identity to open these accounts and was making charges with these credit cards.
Consumer complaint received 2022-03-13
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. (NY)

My credit score dropped XXXX points from one report to the next with no unusual changes on the credit report. I have been trying to get in touch with a representative at Experian for a week just to get an explanation and have been given absolutely no assistance. Any time I am able to reach a representative they put me on hold and immediately transfer me to their automated system, but none of the automated results fit my situation. I have begged representatives to help me or transfer me to a person who can and they have said " of course, please hold '' and then transferred me to the automated system. I feel like I am losing my mind, I just need to get in touch with a representative to make sure that there is no fraud on my account or that it was not a mistake.
Consumer complaint received 2018-10-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica (WI)

On XX/XX/XXXX my account was hit with multiple transactions due to my debit card being stolen. XX/XX/XXXX i was credited back these transactions. XX/XX/XXXX the bank took back the money from my claim and then proceeded to charge 6 OD fees despite it was the banks doing. Its been 4 months since and im missing well over 800 . 

The transactions in question ill provide a sceen shot as well as the police report upon request
Consumer complaint received 2021-01-25
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)

I've wrote several letter explaining to the credit bureau that the accounts that I'm disputing are not my accounts and requested means of validation and I have yet to receive anything in writing with my signature tying me to these accounts.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$5200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$290.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$370.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2019-05-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Earm LLC (FL)

Phone number XXXX ( XXXX ) XXXX Message left This is XXXX XXXX. I'm calling you today directly with the investigations unit over at MAC. Weve received correspondence from a financial institution and we are prepared to file a civil suit against you. Several attempts have been made to contact you via mail and other collection efforts and you have failed to comply. We do understand that this is a verified number for you and we will file the paperwork if we do not hear from you within 24 hours of receiving this message. To reach me directly you can contact me at XXXX. Ill repeat that, XXXX I do wish you the best of luck