davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

I am the victim of a scam. I filed a police report against the scammer who gave a me a fraudulent check to deposit into my account. I gave Suntrust the police report and filed a claim. The bank froze my account and will not provide me with a decision on my account for 15 business days. My direct deposits from work and my tax refund were deposited into the account, and Suntrust will not allow me access to my funds for another 7 to 9 business days after the 15 day period described previously. I am five days away from facing eviction because the funds I have for rent are in the account. Suntrust will not speed up the process at all. The bank will also not provide me with documentation supporting the current status of my account to provide to my leasing office.
Consumer complaint received 2019-08-26
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. (GA)

I have several items on my credit report that o.re not mine. I noticed it because I recently applied for o. credit card and I wasn't approved so it prompted me to check my credit report these items listed are not mine and need to be deleted from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX There are also several inquiries as well that need to be deleted. XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-10-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (WA)

We bought a house a couple years ago on XX/XX/XXXX. In the spring of XXXX we applied with our old lender XXXX XXXXXXXX XXXX XXXX XXXX XXXX, they informed us we could not remove the mortgage insurance for 2 years. THIS WAS NEVER DISCLOSED TO US WHEN WE BOUGHT THE HOME. They said we had to wait. Our mortgage was sold to Flagstar, we applied again in XXXX of XXXX. They mailed us the paper work, we filled it out, sent it back and paid {$100.00} for the the valuation of the home, which cleared our account on XX/XX/XXXX. They ordered a valuation via XXXX XXXX to remove the PMI, they called to set apt , then XXXX the agent no showed, we called XXXX cancel saying the Flagstar cancelled the inspection. We called Flagstar they blamed it on XXXXWe called XXXX and they new nothing about it. We have a case number with Flagstar XXXX. 
They took our money, did nothing and now not call us or helping out to figure out what is going on.
Consumer complaint received 2018-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Prosper Marketplace, Inc. (FL)

Prosper has agrees to settle my account and has been deducting payments from my bank since XX/XX/2017. They are still sending delinquent notices and reporting to the credit bureau incorrectly. I have contacted and emailed them and the problem still has not been fixed
Consumer complaint received 2021-12-03
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TekCollect Inc. (OK)

I have evidence to suggest that I included a cease contact phone call, as I did not answer the phone otherwise when they called because they ignored me when I said it wasn't my debt. They harrassed me into paying off half by stating that they would settle for half. 
Now they are saying they never said that and continued calling even after stating a cease of contact on XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-11-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

US Dept of Edu/ US Dept of ED/XXXX is fraudulently reporting on my credit report in the amount of {$17000.00} account # XXXX. Ive complained to them over and over again that I never attended school in XX/XX/XXXX at all to no avail. This account never belonged to me. Ive asked them to send me the original instrument of indebtedness in its original form back in XX/XX/XXXX. The information that they sent was not mine and not my handwriting. This is against the law. 

* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? 
* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ).
Consumer complaint received 2020-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

XX/XX/2020, XXXX XXXX I was putting large bills on my bank account in the XXXX atm in XXXX where i live to wells fargo, and it swallowed a XXXX $ bill. 
They tried to investigate, but in the end did not refund the lost dollar bill.
Consumer complaint received 2020-07-24
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. (MD)

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report twice and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

XXXX XXXX - balance is showing as {$1500.00}, dates open XX/XX/XXXX closed XX/XX/XXXX.
Consumer complaint received 2018-11-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC (AZ)

Waypoint Resource Group is fraudulently reporting on my credit reports in the amount of {$310.00} account # XXXX / XXXX. 

* Were you named on the original contract with the original creditor? 
* If not, do you have a contract between your company and me, signed by both parties? 
* If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving your information to a 3rd party without your knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition? 
* Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me? 

Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.
Consumer complaint received 2023-07-03
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. (GA)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$7500.00} ; ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$2600.00} ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am trying to temporarily lift my credit freeze so I can apply for a loan. Every single time I have tried to log onto the website it does not work and gives me a number to call. I call the number and the employees are ignorant, incompetent and rude and barely speak English and never fix the issue but or lift the freeze by phone but keep resetting my password and telling me to do it online then when I reset it and try to go in it allows me onto the site but when I try to unfreeze it the word Unknown shows and gives me the same number to call that I just called!! I have wasted two days and talk to two reps who will not or can not do their jobs!! I work for the government and dont have time to waste with them. It is illegal for them to not unlock my freeze when I request it, they verified my identity but did not do so!! Please contact them AGAIN! I wish you would just shut them down they are a complete burden to all!!
Consumer complaint received 2018-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ENCORE CAPITAL GROUP INC. (UT)

XXXX XXXX was included in my Discharged Bankruptcy Docket : XXXX yet they are still reporting an unreleased judgment ( XXXX ) on my credit report and court docket. 
They were, inf act, served a notice of filing. They are affecting my financing and this needs to be fixed asap. 
Thank you
Consumer complaint received 2021-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I woke up to realize that Bank of America has deducted XXXX from my account I was in debt. After series of calls from department to department I was told to head to a branch to remove this account hold. After investigating we figured out why a hold was placed. A company kept trying to charge my account of the same amount with triggered the fraud alarm. We requested a new card. I was told the hold will be removed in an hour its been 7 hours the hold is there I m still on debt all my money was in there. I want my account back to its current state please I beg of you.
Consumer complaint received 2022-10-15
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: Experian Information Solutions 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. 

XXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX : # XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (UT)

Macy 's is reporting erroneous lates on my credit file. These lates are for the months of XX/XX/20, XX/XX/20, XX/XX/20. I made my payment online & it kept giving me an error even though it said it went through. So, I called you guys to confirm, after waiting on hold for over an hour for a representative they told me they didnt see a payment & they took my payment over the phone! This is not my fault and I am not sure what is going on over there, I gave all my personal info for the payment to your representative, why wasnt it set up? Were they working from home & now they have my info? Please remove this late.
Consumer complaint received 2021-09-10
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: HYUNDAI CAPITAL AMERICA (CA)

I did not give XXXX XXXX XXXX permission to run my credit on XX/XX/2020 I asked for the information to be removed from my credit report
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Peter Roberts & Associates, Inc. (MA)

Peter and Roberts sent letter for XXXX to remove these paid collections and they are still appearing on my credit report. This is hurting my credit really bad. XXXX need to remove these XXXX XXXX/ peter and roberts from my credit report
Consumer complaint received 2018-07-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

SLS is in violation of debt collections practices act, acting with malicious intent and in violation of CA HBOR. 

At issue is the new policy at SLS which affects short sales. This is a policy that no other lender has as it's in violation of debt collections practices act. This specific policy is specifically for 2nd liens owned by SLS which requires the removal of fees which have been approved by senior lien holder on a short sale. 

These fees do not in anyway impact the amount SLS is receiving on their short sale and the senior lien holder is the lender that dictates which fees will be allowed since they are the one who is entitled the most proceeds of the sale. When SLS demands fees to be removed, in the case loss mitigation fee of XXXX which was approved by 1st lien holder, they are pushing that fee onto seller which is illegal on short sale and in violation of CA HBOR. SLS can not in anyway demand the removal of fees which are approved by 1st lien holder. This egregious and malicious illegal tactics must immediately cease and desist. SLS must adopt the policy they had before and every single lender has and focus on what they want to net from the short sale and not remove fees approved by 1st lien holder. Trying to remove fees in negotiation that are approved and being paid for by 1st lien holder is in fact acting in bad faith and is something SLS can be sued for.
Consumer complaint received 2022-01-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Business Revenue Systems, Inc. (WY)

I am an XXXX XXXX XXXX college student. I found out this minor bill today when my mom opened my mail with my permission. The original bill is under {$50.00} and I can pay that had I known. Now i'm being sent to collections for double. I want to pay the {$40.00} and move on with my life and career in college. Please call my mother as I have given her the money at XXXX to pay. ( XXXX ) XXXX ask for XXXX XXXX. Thank you XXXX XXXX
Consumer complaint received 2018-04-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (IN)

There are a couple of issues with this loan : 1. The car is a lemon. They sold this car to me XX/XX/XXXX for over $ 14k. Trade in value for this vehicle on XX/XX/XXXX is $ XXXX. I have tried to trade this vehicle in and even refinance it to get a lower interest rate several times and it is impossible to get anyone to even look at it. I still owe almost $ 12k on this vehicle over 3 years after purchasing this car. 

2. I do not believe that payments are properly being applied to interest and principal. I do not see where my down payment was even applied to principal when I first took out the car in XX/XX/XXXX. This payment was reversed out of their system and it appears that I was paying monthly payments as a down payment in XX/XX/XXXX.

3. I got behind on making payments in XX/XX/XXXX and had asked several times that Bridgecrest assist me with getting caught up. I was unemployed from XX/XX/XXXX-XX/XX/XXXX and then got a full-time job at the end in XX/XX/XXXX. I asked for their assistance with a forbearance or something that would keep me caught up and they refused to help until finally a call to a rep in XX/XX/XXXX got me caught back up and paying on schedule. I was still making payments throughout XX/XX/XXXX. They reported me late to the credit bureau 6 times in XX/XX/XXXX and I do not believe they should have if forbearance options were available the whole time.
Consumer complaint received 2018-03-09
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. (CA)

XXXX credit card company is inaccurately reporting payment date. I began a dispute with experian on this account but I noticed something today that was left out. The original account has incorrectly listed a payment date. I can only guess that this is a purposeful made with the intent to extend the date of expiration. I have never made any payment to this bogus account and I would like the company to be held liable for this dishonest business practice. It has been inactive since XX/XX/XXXX not XX/XX/XXXX.  One phone call to the creditor will verify this. I would also like experian to be made aware of this and I can not notify them when there is an open dispute
Consumer complaint received 2018-04-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

Hi. I will start from the beginning. On XX/XX/XXXX I made a purchase for {$400.00} XXXX ETH with my credit card from Coinbase. On XX/XX/XXXX I got an email from Coinbase about duplicate charges on accounts. I was also charged twice. In the email Coinbase said that the error was not caused by them and I should contact the card holder which is XXXX. I did that and I contacted XXXX. XXXX gave me a provisional credit for {$400.00}. I've attached a pic at the bottom of this email. Everything was good but then on XX/XX/XXXX I got an email from Coinbase that said my purchase of {$400.00} ETH XXXX was being reversed. On XX/XX/XXXX I checked my Coinbase account and it said {$400.00} ETH   XXXX and a fee of {$15.00} was sent to Coinbase. So apparently Coinbase took back {$400.00} worth of ETH but because of market fluctuations its more ETH because it is now valued less. That transaction was not supposed to be reversed because XXXX was only reversing the amount I was overcharged to begin with. So I don't know why Coinbase went into my account and took that back. so now I'm owed {$400.00} ETH XXXX as well as the fee of {$15.00} from Coinbase. Ive been trying ever possible way to get in contact with Coinbase to fix the issue but they are not responding. They took my money and will not offer any support to give it back. This is stealing and should be illegal. I only did what Coinbase instructed me to do which is contact my card holder. Ive saved all the supporting emails. Please help!!
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OR)

On XX/XX/year> - Went to XXXX XXXX XXXX, in XXXX XXXX, Oregon, where I completed a loan application for a loan / prequalify for a mortgage. My loan XXXX was XXXX XXXX, she can be reached at ( XXXX ) XXXX. 

At or about XXXX XXXX, XXXX XXXX attempted to access my Equifax XXXX, when she attempted this, Equifax displayed information indicating there was a freeze on my Equifax Report. She then asked me to call Equifax, so that we could proceed with the approval process. 

At or about XXXX, I spoke with an Equifax Credit Representative XXXX who told me there was a freeze on my credit report. I explained that I had not put a freeze on my report, the representative was not sure how it got there, but said he would remove it immediately. They asked me to have the banker to try again in a few minutes. The banker tried again at XXXX and then again on XX/XX/year>. Still my Equifax Credit Report could not be accessed by the XXXX XXXX. 

At XXXX, I once again contacted Equifax Credit and the representative told me that the credit report was frozen and that I needed to mail a copy of my driver 's license and social security card to them prior to allowing 3rd party access to my Equifax Credit Report . The Equifax representative also explained that it normally takes XXXX days after receipt of requested copies to unfreeze my report. 

This action by Equifax appears to be retaliatory for my previous complaint with CFPB # XXXX, dated XX/XX/year>. The impact of this retaliatory act will mean any loan applications and/or approvals will be on hold for XXXX weeks. This has a serious impact on my financial outlook and will possibly cost me a potential home purchase.
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Chrysalis Holdings LLC (AL)

I contact this company NewDayUSA to help with a veterans refi-cash-out mortgage application. I was ask to lift the freezes off of mine and my husbands credit files. This company did not inform me that they were going to ask another company to pull our reports. But they did, XXXX XXXX is who they used on XXXX the XXXX and XX/XX/2021. This action cased damage to my credit score, it went down by 18, making me below average for any type of credit loan. I was waiting for this company to do an appraisal on my home before further process of the loan application. I decided not to continue to wait any longer and withdrew from the process. Then going to another veterans lender found out about my credit score dropping by 18, now it is XXXX, below average.
Consumer complaint received 2019-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX XXXX on accounts # XXXX and # XXXX are paid off and are still reporting a balance on my credit. These were charged off but I have gone and paid everything and it should no longer be on my credit.