davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

Hi there, My name is XXXX XXXX, I am a XXXX XXXX and have three properties in XXXX XXXX. One primary residence and two rental properties.

One of the rentals was under renovation and another is being rented. 
My tenant got laid off during covid-19 lock down and was unable to pay the rent. 
I was mislead by many news in XXXX that missed payments would not be reported for 3 months not to damage credit. So I did not have enough funds in XXXX to pay the rental property since I did not get the rent from Tenant, so I pay balance for 2 months in XXXX thinking it won't damage my credit during pandemic. Next day I receive credit report of a 30 day late payment from XXXX XXXX XXXX that dropped my score by 100 points. 
I called XXXX very next day on XX/XX/XXXX of XXXX to ask for forgiveness and help me solve the problem. I explained the situation with misleading news. I explained them that I did not receive a payment for rental property and had to ask for payment assistance XXXX file attached ). Customer rep from XXXX submitted a request and told me I would receive a letter from XXXX next 20 days. She also advised to file a dispute with credit bureaus witch I did same day. 
I just received Experian dispute results and it still shows 30 day late payment. 
I received assistance check 1st days of XXXX but the payment was already late and due for 2 months now, so I paid for both months on XX/XX/XXXX. 
I have 2 accounts with XXXX and I paid my personal property on time but I did not have funds to cover the rental property. 
I also applied for Economic Injury Disaster Loan on XX/XX/XXXX because my business has hit very hard, I just received application pre approval on XX/XX/XXXX but still don't have funds. ( file also attached ) I believe businesses need to be more supportive during this pandemic, I am building a brand new building and we are finalizing the construction right now, we started construction in XXXX of XXXX, now I have to close on my SBA 504 loan next 30 days and my credit is in 600s. We are talking about XXXX loan and this is a massive impact for me right now. I did not let anyone in my team down and did not furlough any worker in my company to help them, now after paying their weekly income I am suffering the consequences. 
CFPB please help me remove 30 day late payment, I know I was late but not because I was careless. If I have to I could find XXXX news that mentioned that credit would not be affected during pandemic. 
Loan number with XXXX XXXX XXXX XXXX ( account was just refinanced ) Property address : XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX Experian report number : XXXX
Consumer complaint received 2021-04-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (IN)

I get multiple phone calls a day from different numbers that claim to be midland credit managment. I answer the calls no one says anything. Sometime I get a call at least once every hour of the day. Im still not sure what debt they are trying to collect on.
Consumer complaint received 2018-04-10
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: EQUIFAX, INC. (VA)

Hello : I noticed 2 inquiries on my credit profile dated XX/XX/17 one from XXXX and the other XXXX. Neither company had a permissible purpose as I did not authorize or apply for any service or product with them. I contacted both companies and they are unable to provide any proof or information and advised me to contact the credit bureau to have the issue corrected. Unfortunately, the bureau just sent me correspondence stating that inquires are " factual record of file access ''. Nothing tangible or physical to validate the inquiry. Obviously, as a consumer it is evident that an inquiry overall is supposed to be a factual record of file access. However, my concern is that the inquiries listed should not be there in the first place. Therefore, there is a flaw in the supposed " factual record '' excuse I was provided. The information is factually incorrect. The inquiries were not authorized, non-permissible, and must be removed. I contacted customer service and was advised to contact the CFPB as the credit bureau is unwilling and the supposed creditor listed is unable to assist as they have no information available ; having provided them information. My countless efforts to rectify issue leads me here to CFPB. I seek your assistance to have the erroneous entries removed. Your help is greatly appreciated. Thank you.
Consumer complaint received 2018-03-09
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: CITIBANK, N.A. (VA)

We have been great Citi card users for the past 5 years and have not been notified of any issues. The account was active as of 2 days ago. However, yesterday during a purchase at a local XXXX, the card was declined. We called Citi customer support and they mentioned that the account has " sensitive '' information that they can't see any additional information and instead asked us to write a letter to a XXXX XXXX XXXX XXXX . 

We elaborated that we were never notified of this through any means ( phone, text, etc. ) and suddenly the account was closed and in XX/XX/2018 - is now asking us to write a physical letter ( turnaround time ~weeks ) to find out more information. XX/XX/2018 - where the advertisement is Citi access through my phone, XXXX, XXXX, online, that we have to now write a letter to find out more is ridiculous on such an urgent matter.
Consumer complaint received 2021-12-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC (TX)

I got an alert that a company called that debt recovery solutions located in New York has placed a collection account on my credit bureaus. This is in direct violation of regulation F. Ive never spoken to these people or received any written communication from them.
Consumer complaint received 2018-04-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE (CA)

XX/XX/XXXX- Tried enrolling for an online account with barclay using credit card. 
Issue occurred, my information did not match credit card. Odd because it had my name of the credit card. So my next choose was to wait for an paper statement. 

XX/XX/XXXX Received a call from XX/XX/XXXX. Customer Service told me that my bill was past due. I never received a paper statement as to when my bill was due. I address the issue that about never receiving paper statement for bill. Lady then stated " that this is not our fault, XXXX is responsible that. '' " you do not have to pay now but the charges will increase. 
I paid the charge but felt it was not fairly handle by the credit provider.
Consumer complaint received 2018-04-10
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: Southwest Credit Systems, L.P. (IA)

1 ) The address provided to and reported by Southwest Credit Systems is one that XXXX XXXX has never lived at, in a State in which he has never been a resident. We have provided signed documentation from the management company which proves this fact. ( Figure C ) 2 ) XXXX does not operate in Iowa, where XXXX XXXX resides. 
3 ) Southwest Credit SystemsXXXX failed to respond in any measure to the Cease and Desist notice registered with the Civil Court of XXXX County Iowa in XX/XX/2018, which demanded that the aforementioned company immediately cease identifying this account with our client. That document detailed the failure of Southwest Credit Systems and XXXX to comply with : The United States Fair Credit Reporting Act, 15 U.S.C. 1681, 611 The Fair Debt Collection Practices Act, 15 U.S.C.1692 It is because of these facts, and the documentation including : a signed Fraud Affidavit, reports from two law enforcement agencies, a report from the Internal Revenue Service confirming our client as a fraud and identity theft victim ) provided which proves that this account was in no way a result of any application of our client, nor did he benefit from it in any way, that we ask that your organization immediately delete and/or block the reporting of this trade line.
Consumer complaint received 2022-04-11
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

I went into XXXX on XX/XX/2022 and purchased a Vanilla gift card for the amount of {$250.00}. It was a gift for my nephew when he opened the gift card the back CVD code was scratch off and we were unable to use the card. I got in contact with merchant and they stated it was fraud since there was no longer a balance I've been contacting the merchant since XXXX on many many occasions without any resolution. In addition, every time I ask to speak to a higher up such as a supervisor or manager the call is purposely disconnected.
Consumer complaint received 2019-03-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I've been getting repeated charges from XXXX XXXX for XXXX monthly. I first realized this over the summer and submitted a fraud claim to Bank of America. they stated they would look into this and would give me a temporary reversal. In XX/XX/XXXX/XX/XX/2018 they said that they were reversing the claim due to the fact that I check my bank account hundreds of times during the 3-4 months and that there's no way that I didn't know about it. I told them that I don't check my bank account even weekly and never have so that is very suspicious behavior. They refuse to give me back the credit and block the company from charging me, currently I am getting 2 charges a month that can not be blocked, most recently today and now my account is in danger of overdraft fees that are a result of unauthorized transactions. The bank refuses to allow me to close the bank account as they claim that once the account is close they can not refund the money to me.
Consumer complaint received 2021-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I checked my reports for accuracy and I saw a very old account for XXXX XXXX for {$650.00} that was opened in XXXX still reporting almost seven years later. The credit reporting time limit of XXXX years from the date of last activity is defined by the Fair Credit Reporting Act. The seven year date is XX/XX/XXXX. I am requesting this account be deleted as its very old.
Consumer complaint received 2021-12-05
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (LA)

In the year 2019 I had this company open a report stating I owed them XXXX and some change. My credit was rising but when they jumped on my credit since 2019 they have tore my credit down for something that is not my legal responsibility. If this does not get them off my credit my next step will be to hire an attorney. This has been affecting me for 3 years now cost me from buying me n my kids a home
Consumer complaint received 2021-04-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have communicated that lvnv sent me a lettee saying this debt is mine they included a payment I never made. 
In the letter to the bureaus the last payment I didn't nor make I do not know of anyone making it. 
Next this debt is passed statue of limitations. Also the bureaus have deleted this debt and it keeps coming back. 
Can someone validatw this debt by the contract. 
Can someone validate this debt by receipt of buying it from original owner with the account number and name The dispute with original ac, ount holder is card was stolen or a family member put transactions on the card please prove it was me by signature and picture from cameras Also the person who paid this debt last is the criminal Please look at the proof I didn't make the payment it's highlighted The debt is past statue of limitations and is identity fraud.
Consumer complaint received 2018-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (AZ)

On XX/XX/2018, Credit Acceptance is NOT reporting my good, on time payments for my car payments. I asked C.A. rep to correct the problem they caused to all 3 credit bureaus that my payments are late making my credit score decrease immensely. This is fraud. 
I want this fixed NOW.
Consumer complaint received 2018-03-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (PA)

I purchased a digital currency on Coinbase on XX/XX/2017. They sent me an email saying my bank denied the transaction. I looked in my bank account and they had taken the money from my account. I gave them the XXXX transaction number. I talked to my bank, they said I need to contact coinbase to solve. I opened a ticket the next day. I have sent 20 emails and they keep saying they are working on it. Its been 3 months. Below is the info I sent them. They are not responding. 


I made a purchase of XXXX ETH for {$600.00} on XX/XX/XXXX with my XXXX XXXX debit card on file. You ( coinbase ) took the {$600.00} from my account. You then sent me an email saying my bank declined the purchase! It did not! Below is the XXXX transaction number from my XXXX XXXX debit bank account. I contacted them, XXXX, and they said you took the money and I need to solve it with you. Thats when I opened a ticket. Here is the XXXX ID number. 

XX/XX/2017 WITHDRAWAL CHECK CARD COINBASE CHEAPSIDE GB DATE XX/XX/17 XXXX XXXX Here is my ticket number they gave me Case # XXXX XXXX XXXX
Consumer complaint received 2020-12-13
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 just tried to install a credit freeze in my Transunion account. Their website is deliberately blocking me from doing this. Although I can log their website, their Credit Freeze link directs me back to their login site, which then does not recognize my login information. 
Setting up a Credit Freeze was trivial for XXXX  and XXXX. In my experience, this is not an accident, Transunion is deliberately making it more difficult to setup a Credit Freeze, which they are legally required to do. 
Thank you.
Consumer complaint received 2018-04-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2021-04-03
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. (SC)

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Consumer complaint received 2018-11-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: State Collection Service, Inc. (WI)

I have reached out the State Collection Agency on multiple occasions to attempt to resolve this issue. I also informed them that this was included in my bankruptcy. I have also sent them a copy of the XXXX  page stating that it was included in my bankruptcy.
Consumer complaint received 2020-12-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CO)

The mortgage servicer that I have been with did not pay me the full amount owed to me after my new mortgage provider funded the Payoff. 

Instead of crediting my last payment to my principal balance, Select Portfolio Servicing simply returned my XX/XX/2020 payment to me. 

Here is the summary : Select Portfolio Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX RE : Loan Payoff Code XXXX Payoff Date XX/XX/2020 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CO XXXX Enclosed are two documents regarding the principal balance of the above referenced loan. 

One is a statement dated XX/XX/2020 and the other is a Payoff Statement issued by SPS. Both of these statements reflect my XX/XX/2020 payment having been received and processed by SPS. Both documents state a principal balance of {$470000.00}. 

Select Portfolio Servicing is obligated to return to me any and all funds in excess of the principal balance at the time of payoff of my loan # XXXX. SPS was funded {$470000.00} on XX/XX/2020. This added 8 days of accrued interest at a rate of {$38.00} per diem. The total owed to SPS for payment, per your Payoff Statement was {$470000.00} + {$310.00} ( 8 days interest ) = {$470000.00}. This means SPS owes me {$3500.00} On XX/XX/XXXX, Select Portfolio Servicing sent me a check in the amount of my monthly payment {$2800.00}, when in fact SPS owes me {$3500.00}. 

Please regard this as my official request for payment of the {$660.00} owed to me. I am sending this letter to Consumer Financial Protection Bureau with my complaint.
Consumer complaint received 2022-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent to my credit report a request to removed the inquiries off from my credit report. 
I did not have any authorization to run my credit with all these companies.
Consumer complaint received 2018-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

IN XX/XX/2018, THIS COMPANY PLACED A LIEN ON MY SAVINGS ACCOUNT AND TOOK APPROXIMATELY {$2500.00} WITHOUT PROVIDING ME WITH NOTICE. I specifically stated in writing that the account listed on my report was NOT A VERIFIED account by the creditor. I also requested WRITTEN PROOF with my signature on the ORIGINAL ALLEGED CONTRACT that I signed with said creditor. I have NOT been sent any information by this creditor that I owe these debts that have been sitting on my credit destroying my chances of purchasing a home. I'M PLEADING WITH YOU FOR SOME HELP! THEY ALREADY TOOK MY MONEY, AT LEAST REPORT IT POSITIVE ON MY CREDIT REPORTS.
Consumer complaint received 2019-08-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (WI)

I have a Ashley Advantage credit card through Synchrony Financial, I made two separate purchases at different times, when Synchrony posted my purchases on my online account I set up an auto payment of {$140.00} mth, I wanted to know how my payments were going to be allocated - split between the purchases because Synchrony Financial doesn't show them on the statements where they are posting the monies. I called the billing dept. after the second purchase and I was told they would take my payment and split it between both purchase posting the minimum payment and the extra monies would be put toward the payment with the deferred interest purchase. 

On XX/XX/XXXX I login in on my online account and decided to call & ask what my balance is on each purchase since they don't show it on the statement. This is when I was told differently that my {$140.00} mth payment is only being applied to my first purchase that is interest free and NO MONIES is being posted on my purchase that has a deferred interest for XX/XX/XXXX. I blew my top and said this is wrong, this is how they are socking back interest to customers because they aren't splitting the payments on the accounts, customer service stated there isn't a way to allocate payments online and I would have to call in on a month basis to do that which is insane! They told me I should call the Ashley 's and talk to them. 

My first purchase has NO interest until paid in full and the 2nd purchase has NO interest for 12 mths SO XX/XX/XXXX is when the interest will start if not paid in full and NONE of my monthly payments since XX/XX/XXXX have been posted toward the purchase that has the deferred interest.
Consumer complaint received 2023-03-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (IL)

Your response is XXXX XXXX yall closed my account like XXXX ELECTED nothing irregular or fraudulent has ever happened in my account as far as any deposit or ANYTHING if XXXX referring to all my dispute if i feel its a problem im gone dispute it BY LAW YALL CAN NOT HOLD MY MONEY IN NOW XXXX MESSING WITH ME AND MY CHILDREN WAY OF LIVING I WILL OBTAIN A LAWYER FOR THE DISTRESS TALL HAVE CAUSED ME AND MY CHILDREN.
Consumer complaint received 2019-08-25
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX refuses to supply the REQUIRED documents for account # XXXX. 
Ive requested the legal notices that were sent to me as proof of the date and time of the resell also XXXX refused to send legal copies showing the amount they received after the sale XXXX has not provide copies of the legal notices for anything.