davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (VA)

SUBJECT : RETURN OF FUNDS FROM DOUBLE MORTAGE PAYMENT IN MONTH OF XXXX On or about XXXX XX/XX/2019 I authorized a monthly ACH draft from my XXXX XXXX checking account for the purpose of paying my mortgage to Freedom Mortgage. By XXXX XX/XX/2019 I had not received any form of written communication from Freedom Mortgage that verified the ACH draft would take effect. Therefore, on XXXX XX/XX/2019 I paid my mortgage payment via my on-line banking with XXXX XXXX. On XXXX XX/XX/2019 I finally received a letter ( dated XXXX XX/XX/2019 ) from Freedom Mortgage that stated my ACH draft request had been processed and that my XXXX checking would be debited on XXXX XX/XX/2019. I immediately called Freedom Mortgage and was told that it was impossible to stop the ACH draft on that day, and that I should attempt to stop the payment of the draft by my bank ( XXXX XXXX ). I called XXXX and asked that the draft not be honored. XXXX XXXX took all the pertinent information but stated that if the draft had already executed, it could not be stopped. And it was not stopped. 

Therefore, it is clear that I made two XXXX mortgage payments to my loan with Freedom Mortgage ; one was in error. I need one of those payments returned to my XXXX XXXX checking account. Both I and my wife are retirees and live on a very fixed income and budget. The {$2200.00} that made the second XXXX mortgage payment are the funds needed for our living expenses and other bills for the entire month of XXXX. 

After speaking to a Freedom Mortgage representative by phone on Friday, XXXX XX/XX/2019, I faxed to Freedom Mortgage the information above and a copy of my XXXX XXXX checking account information showing both payments had posted ( been paid ) to Freedom Mortgage. The Freedom Mortgage representative had provided me their fax # XXXX, which I used. On Monday, XXXX XX/XX/2019, I called Freedom Mortgage Customer Service # XXXX to inquire as to the status of my request for return of one of the two XXXX payments I made. I spoke with XXXX, id # XXXX, in XXXX, Indiana. I was first told that once the request had " been processed '', a check would be sent to me. I asked why an electronic transfer could not be made directly to my checking account. I was put on hold for several minutes. I was then told that " XXXX '' had told XXXX that once my fax " had been found '', she would have an electronic transfer made to my XXXX XXXX Checking account, and that would take 5-7 days. I expressed my disbelief that an electronic transfer takes 5-7 days, and asked to speak with XXXX 's supervisor. I was again put on hold for several more minutes. I was then told a supervisor was not available I requested to make an appointment with a supervisor and that request was denied. The supervisor in question is " XXXX '', also in XXXX, Indiana. In the final analysis, I received no confirmation that my fax had been located, nor that I would receive my funds any time soon.
Consumer complaint received 2018-05-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

Last year ( 2017 ) in XX/XX/XXXX I contacted Coinbase to regain access to my account, I emailed them and they told me steps to recover the account. Their website wasn't working correctly and I wasn't able to gain access. I emailed them back and forth 12 times in a long email chain where they said I would need to create a new account and that they would transfer my funds to that new account ( which is utterly outrageous and amateurish ). I created a new account just like they asked and emailed them the information and got NOTHING back. They haven't even acknowledged my existence since XX/XX/XXXX. It's disgraceful.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I sent letters to the credit bureaus on XX/XX/XXXX via certified mailed and they responded back on XX/XX/XXXX stating that all accounts are verified.my credit report is still showing inaccuracy. I sent the bureaus letters again on XX/XX/XXXX and sill nothing has change.15.U.S.C 1681S ( 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 2019-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been trying to get these accounts removed from my report because these accounts are were closed because they dont belong to me and they were never late. 

I have contacted the XXXX XXXX XXXX, XXXX, TransUnion and XXXX  and all I have received from the credit bureaus on behalf of the Bank was excuses such as We cant find your file or send us more information at doesnt exist in short these excuses continue unchecked by the Govt and have been irreparably harmed.
Consumer complaint received 2023-03-21
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. (IL)

Thank you for responding with the payment history information about account ending in XXXX in your confirmation letter of payment history XXXX XXXX XXXX record states that the last payment credited/paid to account is XX/XX/2017 ( year & month ) in the amount of {$130.00}. however XXXX XXXXXXXX XXXX is reporting to Experian credit reporting agency that there was three additional payments made on account ending in XXXX for the months of XX/XX/2017, XX/XX/2017, XX/XX/2017 which NO payment was ever been made but in fact is being reported! Reporting XX/XX/2017 as last payment made on account XXXX which is not accurate! As stated in your letter account XXXX charged off on XX/XX/2017 yet you report to Experian the account was only 60days late on XX/XX/2017 when in fact the account had charged off already! I have attached your response letter along with Experian credit report as I have done in this past dispute on XXXX XXXX report # XXXX so XXXX XXXX XXXX could be aware of what was actually being reported yet XXXX again certified to Experian it is reporting accurate when in fact it has not for the pass 5yr 8mo! SO THAT I'M CLEAR I'm not disputing the account status or account balance please refrain for using such response, my concern is only the payment history that is being reported inaccurately to Experian! Based on the payment history information you responded with on XXXX XXXX it doesn't match! if you are having an issue reading the payment history report from Experian it is based on year and month account payment reporting. So if you go to year and month you can see what actual is being reported that it does not match you ( XXXX ) record! XXXX has certified to Experian it was reporting accurate information if that is not true this account needs to be deleted XXXX had numerous chance to make correction but filed to do so deleting is required!
Consumer complaint received 2015-04-22
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (AZ)

I subscribe to Experian 's Credit Monitoring Service. 
They send me ALERTS when things change as they relate to my credit score. 
I received an alert this month that said my Experian FICO credit score had changed. 
Upon logging into my Experian credit monitoring account it said that " my scorehad " dropped '' by XXXX points ''. Their service had previously alerted me that my score had increased in XXXX 2015 by XXXX points and increased again in XXXX 2015 by XXXX points. I was reasonably alarmed as to what was causing such a dramatic drop after two months of moderate increase and " NO changes to my credit profile at all, no new accounts or lines of credit, no missed payments etc ''. There is nothing at all that has occurred that could explain this. Their system asked if I would like to " order a report from all XXXX bureau 's '' which incurs an expense to me, but I did so to seek explanation for the sharp decline. Upon looking through all the reports thoroughly, there is NOTHING there that would explain it or indicate ANY reason for a decline. I called Experian spoke with a customer service rep ( XXXX ) and his manager ( XXXX ), neither of which could make any reasonable argument, make any sense or give clear explanation for the dramatic score decline. 
Also, XXXX and XXXX both maintain my high score at XXXX. So ... it is more than curious that Experian " the ones doing the monitoring - drastically cut the credit score, then send their consumer an alert to generate concern so that they buy a report so as to investigate '' and then consequently have no reasonable explanation for why such a dramatic decline too place. I can only speculate that this is part of their revenue generation algorithm. 
It raises serious concerns over the credibility of Experian 's score keeping policies and practices. They need to be investigated.
Consumer complaint received 2023-02-10
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: Experian Information Solutions Inc. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; 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 2019-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo is reporting inaccurate payment information on my credit report. I have attempted to dispute this directly with the 3 credit bureaus however ; that was of no avail. I have sent Wells Fargo a FCBA Evidence Request with no response. This account is paid in full.
Consumer complaint received 2020-12-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Synergetic Communication Inc (TX)

This debt has been turned over to 7 different collections company. this was part of a fraud case back in 2009. PART of the bankruptcy case. My Lawyer sued XXXX XXXXXX/XX/XXXX settled out of court.
Consumer complaint received 2023-02-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The GULF CST COL must validate these account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. Below is the account that need to be removed : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00}
Consumer complaint received 2022-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (WA)

I am unable to log into my Commenity bank account for my XXXX Credit card. For the last 5+ months their system has been down and refuses to let you in to pay your bills. I have tried recoverying my account, and when I put in a new password, it says there is an error. Its been doing this for months. They offer a easy pay option, so I have been able to pay by entering my card information, which has my old address information attached to it. Now, XX/XX/2022, the easy pay is no longer working and I have absolutely no way to make a payment.
Consumer complaint received 2024-04-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Financial Assistance Inc (FL)

l am writing to inform you that I am aware of your non-compliance with the provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 15 USC 1692c ( c ). It has come to my attention that your agency has engaged in abusive deceptive practices in an attempt to collect an alleged debt. I hereby demand immediately cease and desist all activities related to the collection of this alleged debt. Your abusive and deceptive practices are in direct violation of my rights under the FDCPA. I am well aware of the protections provided to me as a consumer, and tolerate any further harassment or misconduct, Furthermore, I exercise my rights according to USC 1692c ( c ) to request the removal of any and all information pertaining to this alleged debt deleted from my consumer report. You are explicitly prohibited from disclosing or communicating any information about this debt to any credit reporting agency without my express written consent according to 15 usc 6802 ( b ) opt out. I hereby withdraw any previous consent you may have and demand that you cease reporting this debt to any credit reporting agencies immediately. Please consider this letter as a formal notice of my intent to take legal actions if your agency continues to engage in abusive or deceptive practices, in pursuant to USC 15 1692k i will demand {$1000.00} per each violation. I am prepared to protect my rights as a consumer and will not hesitate to pursue all available remedies under the FDCPA. future communication regarding this alleged debt should be directed to me in writing to the address provided above. Phone calls or any other form of communication will NOT be accepted. I expect your immediate compliance with this cease and desist notice. failure to do so will leave me with no choice but to take appropriate legal action to protect my rights.
Consumer complaint received 2023-02-10
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (NY)

I have no knowledge of these hard inquiry on my credit report and these hard inquiries are results of identify theft and it must be removed no later than 4 business day as per 15 U.S 1681 C-2.
Consumer complaint received 2023-03-21
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. (NV)

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.

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. 

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
Consumer complaint received 2019-05-01
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: Experian Information Solutions Inc. (RI)

I checked my credit because Im in the market to buy a house and I noticed all these inquiries that I didn't authorize. Please have all companies listed below show me my signature on any application or some sort of proof that I applied for anything or remove their inquiry 1 ) XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXXXXXX 5.all XXXX inquiries 6. XXXX XXXX XXXX 7.XXXX XXXX 8. XXXX XXXX   XXXX XXXX 9. XXXX XXXX  XXXX 10.XXXX 11. XXXX XXXX XXXX XXXX 12 XXXX XXXX XXXX  13. XXXX XXXX 14. XXXX XXXX 15.XXXX 16. XXXX XXXX XXXX   17XXXX XXXXXXXX 18. XXXX XXXX XXXX 19. XXXX XXXX XXXX XXXX 20.XXXX XXXXXXXX 21. XXXX XXXX XXXXXXXX 22 XXXX XXXX  23. all XXXX XXXX inquiries 24. XXXX 25. XXXX XXXX 26. XXXX 27. XXXX XXXX XXXX 28. XXXX XXXX 29. XXXX XXXX 30.XXXX XXXX XXXX XXXX 31. XXXX  XXXX 32. XXXX XXXX 33. XXXX XXXX
Consumer complaint received 2019-07-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

XXXX XXXX XXXX has sent me to a collections agency named IC System Inc. They are attempting to collect {$210.00} that I do to owe. I have never been with XXXX XXXX XXXX and I have explained this to them numerous times. I am requesting that this be removed from my credit report.
Consumer complaint received 2023-03-21
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. (NC)

XXXX. XXXX XXXX is reporting late payments on my account and the account has been payed off! This is a billing error and I'm requesting that this is removed asap under 15USC 1666B
Consumer complaint received 2024-04-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I opened a 360 Savings account with Capitol One in XXXX. I made several transfers from my personal checking account with XXXX XXXX to my Capitol One XXXX. In XX/XX/XXXX my XXXX account was closed with no reason given. I called Capitol One on XX/XX/XXXX and was told that a check refunding my full account balance was mailed to my address. I advised I had not received a check. The agent verified my mailing address and said he would open a claim to issue me a new check. I called Capitol One on XX/XX/XXXX to advise I still had not received a check to return my money. The Capitol One agent advised me that a check was not issued but an electronic transfer was sent to the originating bank XXXX XXXX. I advised the agent that the money had not been returned to my account. She stated I would need to call XXXX XXXX. I spoke to XXXX XXXX who stated no money had been sent from Capitol One. I called Capitol One back and was advised that my funds were on hold for investigation. They refused to return my money or tell me what information they needed to as part of the investigation. They refused to call XXXX XXXX to verify my account. Capitol One has no seized my money for almost 60 days refusing to return my funds or tell me why they are investigating me.
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Grain Technology, Inc. (AZ)

The company asked me to send them private pictures of my social security card front and back to verify my identity a year plus after already having the card and blocked me from accessing my account. I told them I wasnt comfortable and they stopped responding for months. I happened to notice after several months that they started allowing you to verify with your drivers license since enough people were complaining about sending them their social security card. I submitted my drivers license and it pended for about 6 months while I continued asking them when I would have access to my account. Now as of a week ago they sent me an email that says that they decided not to allow me access to my credit card and thats their final decision because I didnt send them my private pictures when they wanted me to. This can not be legal. Im beyond disgusted. Im trapped in this nightmare of a card and was supposed to have a {$1000.00} credit card line. I have about {$600.00} available credit that Im not allowed to access and I have no idea what I actually still owe because theyre auto drafting my account every month for the remaining balance but I have no access to my account. How can I report them for fraud and illegal business practices? This is unacceptable and more people need to know what Grain is doing.