davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

i sent a FINAL payment on a loan from Coinbase, paying them back on their own website.It just so happens that when i clicked on the make a payment key, nothing happened for like 2 minutes, and i thought maybe i didn't click hard enough on the keyboard, but it turns out i did, and a payment for U {$620.00} went trough, instead of my click take me to the next step forward, it took another payment?! Imagine if i had clicked a few times? 
It is not acceptable for a site of that financial magnitude to have that happen on their site, whoever designed that ... .WHEN YOU CLICK MAKE A PAYMENT IT SHOULD NOT ALLOWED ANYTHING ELSE HAPPEN, EVEN IF YOU CLICK ON IT AGAIN, ONE CLICK, ONE ACTION, NOT 2/3 CLICKS 2/3 PAYMENT?! XXXX?! 
so because i canceled a payment with the bank, after not hearing at all from their non existent customer service depot ( there is no phone number or a human " customer service '' representatives, for a XXXX XXXX dollar company?! ) So Coinbase decided that they should sell some of my assets, for a THIRD payment, on something that had been paid off weeks prior. and STILL AFTER 6 BUSSINESS DAYS OF THE PAYMENT ARBITRARILY MADE BY THEM SELLING MY ASSETS, on top of the 2 payments i made, I STILL HAVE NO ACCESS TO MY ACCOUNT, AS T HAS A " PENDING '' STATUS, NOT SURE WHY, SINCE THEY HAVE BEEN PAID 3 TIMES ALREADY, AND IT HAS BEEN OVER 2 WEEKS OF THE INITIAL XXXX ....?! 
WHY THERE IS NO REGULATION ON THAT COMPANY THAT JUST WENT PUBLIC WITH NO CUSTOMER SERVICE TO SPEAK OF? HOW IS THAT POSSIBLE?
Consumer complaint received 2022-04-09
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (GA)

I ca||ed in to ask that, given everything thats going on and the fact that I am now being made to stay home, can I move the next two months of payments to the end of my loan. Thats it. What did I get? 

" Call back on your due date. We can push out your payment two weeks, but youll be charged a {$5.00} late fee for each of those days. Have you thought about filing unemployment? I also heard XXXX and major grocery chains are hiring right now. Are you kidding me? This is how you treat people? A friend of mine called her XXXX dealership and before she could even ask they OFFERED her 13 months be moved to the end of her loan ; no fees, no paperwork. We are in the middle of a global pandemic. I shouldnt even DRIVE my car right now! People are looking to you to do the right thing, not the profitable thing. I have said that my experience with XXXX has been amazing, but if THIS is the care we get on the back end, its not even worth it. Do. The Right. Thing.
Consumer complaint received 2022-04-09
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. (TX)

Please delete these unauthorized inquiries : 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
Consumer complaint received 2018-07-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MEGASTAR FINANCIAL CORP (MO)

The mortgage company is claiming I didn't make the payment. My bank shows payment was made and provided a confirmation number. 

This is what the lender said : Good afternoon Ms. XXXX, As we discussed on the phone, we have not seen your first loan payment. 



I can see on my system that the first payment of {$1300.00} was due on XX/XX/XXXX. I can also see that the first payment actually belongs to Megastar. Subsequent payments beginning XX/XX/2018 belong to XXXX XXXX. 



At this hour I do not see that we have received your first payment. I have copied Ms. XXXX XXXX on this email. She is very familiar with depositing receipts. She will be able to confirm when we receive your check and how your check will be applied to your loan. 



In the event your payment is for more than the required payment of {$1300.00} we will forward the excess funds to XXXX XXXX, referencing their loan number XXXX. 



As I said on the phone, we are real good at receiving, depositing and allocating our deposits. XXXX will reach out to you tomorrow to confirm the above and provide us with more information. 



Your attention to your loan is appreciated. 



XXXX XXXX XXXX Assistant Controller MegaStar Holdings XXXX XXXX XXXX XXXX, CO XXXX Direct : XXXX Main : XXXX XXXX XXXX
Consumer complaint received 2018-07-11
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: Great Western Financial Services, Inc. (TX)

Requested basic information from Great Western Home Loans, NLMS XXXX, on XX/XX/2018 through XXXX XXXX. Great Western ran my credit without my authorization. Spoke with other lenders on from XXXX XXXX and they did not run my credit. Spoke with XXXX XXXX on same day and they also agreed that no authorization was given for them to run my credit. Great Western parent company XXXX XXXX, out of XXXX, MD, is the company on my report that ran my credit without my written consent or verbal consent. Police report has been filed as well per the request of XXXX. Agent in question is XXXX XXXX. NLMS XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX. XXXX.
Consumer complaint received 2015-12-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The credit bureau did not give me a proper investigation in accordance with the FCRA. I asked them to send me the names of the individuals they contacted for verification, along with their addresses and phone numbers so that I can follow up with them. Had to remind them that they have 15 days to comply with the law by providing the requested information in compliance with FCRA, Section 611, part B, subsection ( iii ). Still no complete investigation. I asked them to verify the following questions which I have the right to : 1XXXX Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
2. What certified documents were reviewed to conclude your investigation? 
3. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
4. What did it cost your company to obtain the documents needed to complete your investigation? 
5. Please provide proof of your timely procurement of certified documents. 
6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have reached out to all XXXX major credit bureaus multiple times, asking them to verify some accounts and to do a full blown investigation on everything on my credit report. They all stated that everything was accurate, which was not the case because, I found some inaccurate items still reporting on my credit reports. My credit report show be accurate across the board and should not have any discrepancies in dates and balances. This is not the case in my situation, and accordance with the Fair Credit Act, XXXX XXXX XXXX has violated my rights. 
XXXX. XXXX XXXX XXXX Account # XXXX for the amount of {$810.00}. 
XXXX. XXXX XXXX XXXX Account # XXXX for the amount of {$1300.00} 15 U.S.C 1681 section 602 A. State I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : states that a consumer reporting agency cant furnish an account without my written instructions. XXXX XXXX XXXX is reporting inaccurate items on my credit report. I do not have a legal binding contract with XXXX XXXX XXXX, and they are not the original debtors and I have not signed any paperwork with this company. I have asked this company to show my the original signed contract and they have not ; therefore I demand this account to be removed and deleted from my credit report immediately. I have made a complaint to the CFPB before and it looks like they responded saying a telephone number dispute was the reason my account was updated and not deleted. This is not what 5 U.S.C 1681 section 602 A. State I have the right to privacy. 15 U.S.C 1681 section 604 A Section state so by law this account should be deleted from my credit report. I have reached out to TransUnion several times and all they have done was send out a letter stating me to verify my address which I have sent in XXXX certified letters with proof of resident. I've sent my state issued ID, bank statement, pay sub from my job, and credit card statement all by certified mail. So please delete this inaccurate account.
Consumer complaint received 2022-04-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (VA)

During the home buying process, my lending company ( US Bank ) sent my home appraisal to the seller without my authorization and approval via email in which I received a courtesy copy of it on XXXX XX/XX/2022. When I questioned the loan officer about why my appraisal went to the seller, the loan officer replied he did it as a " courtesy ''. I have purchased and sold numerous homes and never once have I had a situation where my lender reached out to the seller providing them with any documentations as a " courtesy ''. In addition, a previous conversation with the Loan Officer when questioning about where the down payment would be coming from in the form of 25 % of the house, the loan officer stated that US Bank had to verify that i was not a " drug dealer '' which was offensive since i am a minority.
Consumer complaint received 2022-04-09
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. (OH)

n accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-05-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my report. To this day over 90 days later. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 it is plainly stated that a failure to investigation. These items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by the Equifax data breach and many have got into the hands of the wrong person.
Consumer complaint received 2022-04-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

n accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I pulled my consumer report as of XX/XX/2022, and notice that the following account has inaccurate information and needs to be updated immediately. 

XXXX XXXX and XXXX has the following errors : The date opened is different across the three consumer reporting agencies No of Months ( Terms ) is different across the three consumer reporting agencies The date last reported is different across the three consumer reporting agencies Date last active is different across the three consumer reporting agencies Two-year payment history has late payments but the status shows current and is different across the three consumer reporting agencies.
Consumer complaint received 2022-04-09
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. (MD)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX # XXXX and XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-01-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (IN)

Back in XXXX experienced a robbery on campus, lost all my belongings. Fast forward XXXX I have been cooperating with the police and luckily getting my things back. The only thing Ive been left in the cold was from this company that leads me in an endless cycle of contacting their support team going from chat > call > email then no response and its just a cycle for months. It is now XXXX and I been waiting for my investigation to be solved. Been told this for months. Over {$500.00} in my XXXX balance
Consumer complaint received 2018-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Prosper Marketplace, Inc. (DC)

I have a late payment noted by Prosper on my credit report on XX/XX/2014. I have contacted the company numerous times to obtain proof that the payment was late as my payment records show on-time payments each month. The company has yet to be able to confirm that the payment was indeed late, and when challenged through a dispute process, they continually confirm that it was late.
Consumer complaint received 2018-07-11
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 — Their investigation did not fix an error on your report
Company: Westlake Services, LLC (NC)

I have sent and call both Westlake Financial, XXXX, and XXXX   regarding TWO unauthorized charges on my reports for XX/XX/2018 and XX/XX/2018. Both of which was not authorized by me. I sent faxes to XXXX and XXXX  requesting an investigation XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 as well as XX/XX/2018. I sent faxes to both of these bureaus continuously as these charges were not authorized. And they are still appearing on my credit report and findings have been provided to me.
Consumer complaint received 2022-04-09
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. (OK)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

New CFPB Claim & Re-Opening of Claim # XXXX SPS ( Select Portfolio Servicing ) Committed Fraud and misrepresented their answer ( s ) to this Federal Government Agency & the CFPB. Additional concerns for misconduct, fraud and impending litigation for misconduct and illegal acts also enclosed should also be of concern to this agency for Crimes against the consumer committed by SPS. 

See all attached ( First Document is summary ) New Complaint or request to re-open and correct wrongful decision to close the file based on Lender 's fraud, Lies and deliberate misrepresentations to this agency in-order to win a favorable decision by the CFPB.
Consumer complaint received 2021-05-13
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I borrowed money from private lender for my business ( {$50000.00} ) but when when the money came into my account, Capital one bank restricted the fund after several calls and copy of singed agreement was email to them. 
Every day, i am losing {$750.00} from my business and i have to start payment on this month XX/XX/2021.
Consumer complaint received 2022-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

Experian Dispute by Mail XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX RE : Report # XXXX / Account # XXXX To whom it may concern, I am notifying you that the following items are not reported correctly for the reasons indicated previously. I prefer that we both avoid the pursuit of my rights under 15 USC Sections 1681n and 1681o, which require your compliance with the law. The account is not mine and contains a XXXX  store as a home address, which is also not mine. 
Removal Requests : # 1 XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Reported date XX/XX/XXXX On XX/XX/XXXX at XXXX XXXX, XXXX XXXX XXXX called and asked my name and where I lived, but XXXX would not provide me any more information after repeated questioning. Later I found out that XXXX called me because they intended to illegally change the bad address on their initial account illegally placed on my credit. On XX/XX/XXXX, XXXX removed the same illegal XXXX, XXXX account for inaccurate information due to a similar dispute I sent. Likewise, I tried to dispute this same issue with Experian via the online dispute system, but the Experian staff did not correctly dispute and remove this illegal account. As stated before, I never lived at a XXXX store, and Ive never done business with XXXX XXXX XXXX XXXX. If you can not remove this account or prove that I lived in a XXXX store ( bad address & information reported by XXXX ), I will have my lawyer contact you. 
Once again, I am notifying you that these items are not reported correctly for the previously mentioned reasons, and I am asking you to reinvestigate them. According to the Fair Credit Reporting Act, Section 607, you must ensure maximum accuracy of the information contained in my credit report. 

Let me know if you need any additional information to verify my identity and remove the illegal XXXX XXXX XXXX account. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX cell
Consumer complaint received 2021-05-13
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. (VA)

I contact Experian about incorrect date and possible re aging of my account. 
they refuse to let me file a dispute for the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX
Consumer complaint received 2022-10-12
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. (NC)

Equifax modified information on my credit report while supposedly processing a dispute. The dispute in question was started on XX/XX/2022 and documentation was provided with the dispute. While waiting for the dispute to complete the information was corrected and updated by the bank. On XX/XX/2022 the account showed XXXX late payment, exceptional payment history, and a XXXX balance. After Equifax completed their dispute on XX/XX/2022, my account now shows two late payments and a balance of {$230.00} which is incorrect. I have faxed a copy of my credit report from XX/XX/2022 proving that the bank reported correctly. I also submitted a credit card statement showing that my account balance is XXXX along with a letter from the CEO proving that there should be no late payments reflected on the account. I spoke with numerous agents who all basically called me a liar and told me that I was crazy because the bank has not reported since XXXX which is false. All I was looking for was for them to own up to their mistake and fix it. The only resolution they provided was for me to submit a dispute and wait 30 days. I tried cancelling the dispute but they would not allow it. I assumed that once they saw the account had already been updated to show the correct information they would see there was nothing to be done but instead they modified my account information and basically refused to do anything to fix it. Had they taken the time to review the document from the CEO that I emailed them and looked a copy of my current credit report and done their jobs correctly my score wouldn't have dropped XXXX points for no reason.
Consumer complaint received 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (PA)

This complaint is reporting inaccurate information on my credit report! They are reporting a charge off on my report! 
The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!