davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-20
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: Bread Financial Holdings, Inc. (FL)

This company is the worst!!! I have obtained my credit report and found there accounts I never opened, addresses I never resided, inquiries I never made and even different variations of my name. Comenity Bank was one of the accounts showing with an amount owed of {$870.00}. I disputed the account because I realized it was listed twice in my credit. Once with Comenity Bank and again with XXXX XXXX XXXX and both were open. I disputed the account and they then closed it as charged off. I attempted to contact this company and had the worst customer experience ever. The agent had a horrible attitude and hung up on me. I plan on taking action against this company for their very very rude tactics if this account is not deleted immediately. I have also filed an FTC report along with a XXXX report.
Consumer complaint received 2022-06-11
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CORELOGIC INC (IL)

This company is fraudulently reporting incorrect information for my daughter and I. They are fraudulently reporting that we are the same person. They are illegally reporting that we are aliases of one another. We do have the same first name only and different last names. She's my daughter so we have resided at the same addresses and we've been authorized on each other 's credit cards, etc BUT we have different date of birth 's and different social security numbers. This company has failed to verify any type of facts before sharing personal information and details. Because the names are similar, they never take the time to confirm and verify if it is the same person or not. They have caused my daughter and I to be declined credit, declined rental assistance, rejected applications and higher interest rates and security deposits. They have never verified if we are the same person or not even though our information is completely different. Both of our information is listed on each other 's credit reports, public records, background checks, employment history, 3 major credit reporting agencies, insurance reports, etc ... We are requesting that this company removes all information that it has listed for both us and wipe the report clean. We are requesting that the company sends each of us SEPARATE copies of our consumer reports and files for us to each review. We are requesting that a security freeze is added to both of our files so that no further misleading, misinformation, incorrect, fraudulent information is reported again until all matters have been resolved. We are requesting that they refund us for the extra money that we had to pay out of pocket to dispute, repair and correct our profiles only for them to submit the incorrect information illegally again. We are requesting a refund of the extra interest rates that we were charged because our scores decreased due to incorrect reporting. We are requesting that this information is completed expeditiously and that it is not delayed or held up any further.
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, 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: CITIBANK, N.A. (WA)

XXXX and Citi Bank choose to automate their responses and limit their options and communication. It's frustrating to use a touch tone phone and not get the assistance needed. The lack of conversation is outrageous. Nothing is black and white especially when it concerns credit. 

Please address this.
Consumer complaint received 2021-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PLANET HOME LENDING, LLC (CA)

I received notification today that I am in 90 days in default on my home loan by Planet Home Lending. This is completely false. I have paid everything. This is significantly hurting my credit score and it is costing me heavily on my refinance. I used to have a credit score of over XXXX now it has dropped to XXXX. 

The loan was transferred from Planet Home Lending to XXXX  XXXX XXXX in XX/XX/2020. Four months later, in XX/XX/2020 Planet Home Lending reported that I was over 90 days in default, that is 4 months after they no longer had the loan. I cant be in default of a loan they dont have. I have full proof of payments for all my loans ( attached ). I've never been in default. I called Planet Home Lending and they said it shows that I was never in default and that the account was fully paid, but that for them to review this would take 3 weeks. Planet Home Lending has historically moved very slowly and I have had to contact them numerous times in the past by phone and by email just to finally get a response. Unfortunately Planet Home Lending has made error after error on numerous items and this is yet another one and it is hurting my credit score and me financially.
Consumer complaint received 2018-04-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (GA)

On XX/XX/XXXX my Coinbase account was hacked and I believe {$7600.00} in US currency was sent from my account. This was in the form of litecoin and bitcoin. When I filed the police report the value at the time of the bitcoin and litecoin was approxiately {$9000.00}. I have attached a copy of the police report below. Coinbase has insurance but their insurance will not cover the loss due to the hackers getting through my password and 2-factor authentication. I have other insurance but have been unable to get much help from Coinbase. The additional insurance I have is through XXXX XXXX XXXX contracts with another company XXXX. XXXX is the one requesting the additional letter. I have spent numerous hours with coinbase over the past 4 months to try and get the appropriate documentation. During that time I have been able to get 2 emails that were not very official looking and did not contain the information that I was requesting. I have sent this information already to Coinbase but I will paste it here again. What I need is a letter stating what is pasted next. 

For Stolen Funds Loss reimbursement, the Subscriber must authorize the financial institution to provide certified documentation directly to us, signed by an authorized financial institution representative. This documentation must indicate that funds were fraudulently removed, the amount of the Loss, the type of the Loss suffered, and confirmation that funds are non- recoverable from the financial institution. 

Coinbase has made money from myself using this service and they also made money from the hackers sending out the money. I have tried to write to them to state that they should not have their accounts set up so that money can be sent to a remote location or at the very least put a three day hold on such a thing. This would stop something like this from happening. I feel the least they can do is write me a letter so that I can then try and deal with the insurance company. 

The contact information I have at XXXX is XXXX XXXX Property Claim Director XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX USA Direct : XXXX Mobile : XXXX Email : XXXX XXXX and XXXX XXXX Senior Claims Adjuster, Claims and Risk Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX USA Direct : XXXX Toll Free : XXXX Email : XXXX XXXX
Consumer complaint received 2021-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I hired XXXX XXXX, marketing company to help me with my lead generation for my business. I signed the agreement where I was promised that XXXX XXXX will build direct to consumer funnel for me and will explain how to use it. After watching the initial video provided i have realized that XXXX XXXX is not the service That I need and it doesn't match the description of what was sold to me. I promptly canceled the service. The merchant didn't refund the funds back, instead they charged me another monthly fee. I called my XXXX  and told them that I am victim of the fraud, they denied my claim and told me I need to dispute. After providing my evidence I was told that I have signed the agreement that does not allow charge backs. I never received any services from XXXX XXXX and XXXX cant get a hold of them. So now I am out of {$2500.00} because XXXX  denied my dispute and I cant get a hold of the merchant as well. Please help me to resolve.
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc. (WA)

Experian and XXXX XXXX  choose to automate their responses and limit their options and communication. It's frustrating to use a touch tone phone and not get the assistance needed. The lack of conversation is outrageous. Nothing is black and white especially when it concerns credit. 

Please address this.
Consumer complaint received 2018-04-13
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

There is an inquiry on my credit report from capital one, I do not have a capital one credit card, nor have I ever applied for a capital one account of any sort. I just checked on my credit report and found this, the inquiry is on XX/XX/XXXX of 2017.
Consumer complaint received 2022-06-11
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. (FL)

An accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, # XXXX, # XXXX. XXXX Collections Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, and XXXX 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 2022-06-11
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX  Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX. XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX 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 2022-06-11
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. (PA)

In Accordance with the Fair Act 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. Also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX
Consumer complaint received 2022-05-03
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. (MI)

in accordance with the fair credit reporting act XXXX  account # XXXX ( XXXX XXXX ), XXXX XXXX XXXX  XXXX  # XXXX, XXXX XXXX has violated my rights. 

15 U.S.C 1681 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. 

XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX  ) XXXX XXXX # XXXX
Consumer complaint received 2021-12-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Chrysalis Holdings LLC (GA)

I Refinanced with new day usa this year. In XXXX i was removed fron new day to a company named XXXX  XXXX i called new day on XX/XX/XXXX to find out where my XX/XX/XXXX payment and was told i was no longer with new day usa. they gave me a number to call for XXXX  XXXX. I called the numberi was given XXXX and was told i would have to wait 30-60 DAYS AND HUNG UP.i HAVE MISSED MY XX/XX/XXXX PAYMENT. I have heard nothing from this new company. I have no idea what has happened to my payments made to new day or my escrow account for my taxes or home insurance. This is no way for vetrans to be treated on there home loans .I have not heard any thing from these companies. thank you
Consumer complaint received 2021-12-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: La Casa Bonita Investments (NJ)

In XX/XX/XXXX, I came across a loan consolidation company called 1file.org. After they agreed to pay off my loan, I gave them an upfront fee of {$600.00} and paid them {$39.00} per month the first year. For the subsequent years, I paid the {$600.00} annual fee, and they reassessed my monthly payments each year through XXXX. The monthly fee increased to {$170.00} throughout those years. I was told that they paid off my student loan, and I would only do business with them. During the pandemic, I tried to contact them regarding my payments, because my work hours were cut because of the pandemic. I discovered that their website and phone numbers were out of service. Recently, I began receiving emails from my old loan servicing company regarding my federal student loan which 1file.org insured me that they paid off and consolidated this loan. After researching the company 1file.org, I discovered the following article. https : //www.ftc.gov/news-events/press-releases/2019/11/ftc-stops-student-loan-debt-relief-scheme-allegedly-bilked Unfortunately, I have been scammed by this company that stole thousands of dollars from me. How do I pay my late fees and interest on this loan? If possible, I would like this loan to be forgiven. I have many emails dating back to XXXX regarding my payments to this company.
Consumer complaint received 2021-12-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

-- On XX/XX/2021, loan Servicer, Select Portfolio Serving Inc ( " SPS '' ), stated that property has been sold based on Loss Mitigation application submitted by Borrower on XX/XX/2021 while not responding to subsequent loss mitigation applications submitted by Borrower. The timeline used for the sale as stated by SPS is based on Loss Mitigation application received by Servicer in XX/XX/2021 while Borrower has submitted Loss Mitigation application on XX/XX/2021. Servicer has failed to process loss mitigation application from XX/XX/2021 and Borrower resubmitted loss mitigation application on XX/XX/2021 within the 30 day appeal window that was to end on XX/XX/2021. Servicer failed to process documentation submitted by Borrower and proceeded with foreclosure in violation of dual tracking laws and in violation of foreclosure procedures.
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Screening Reports Inc. (IL)

This company is fraudulently reporting incorrect information for my daughter and I. They are fraudulently reporting that we are the same person. They are illegally reporting that we are aliases of one another. We do have the same first name only and different last names. She's my daughter so we have resided at the same addresses and we've been authorized on each other 's credit cards, etc BUT we have different date of birth 's and different social security numbers. This company has failed to verify any type of facts before sharing personal information and details. Because the names are similar, they never take the time to confirm and verify if it is the same person or not. They have caused my daughter and I to be declined credit, declined rental assistance, rejected applications and higher interest rates and security deposits. They have never verified if we are the same person or not even though our information is completely different. Both of our information is listed on each other 's credit reports, public records, background checks, employment history, 3 major credit reporting agencies, insurance reports, etc ... We are requesting that this company removes all information that it has listed for both us and wipe the report clean. We are requesting that the company sends each of us SEPARATE copies of our consumer reports and files for us to each review. We are requesting that a security freeze is added to both of our files so that no further misleading, misinformation, incorrect, fraudulent information is reported again until all matters have been resolved. We are requesting that they refund us for the extra money that we had to pay out of pocket to dispute, repair and correct our profiles only for them to submit the incorrect information illegally again. We are requesting a refund of the extra interest rates that we were charged because our scores decreased due to incorrect reporting. We are requesting that this information is completed expeditiously and that it is not delayed or held up any further.
Consumer complaint received 2023-03-22
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. (TX)

I have mailed 2 certified letters to Experian requesting that they Reinvestigate accounts on my credit report for accuracy. In those letters I have asked to be notified through mail with the results, both times I was only emailed. I also asked for the information obtained from the original grantor that they received in the investigation I did not received that information either. The first letter was sent certified on XXXX/XXXX/23 and I received an email saying my results are ready on XX/XX/XXXX. Second letter was sent on XX/XX/XXXX23 and I received a email on XX/XX/XXXX saying the results were ready again via email and logging into Experian. There are multiple discrepancies in the accuracy of Charged off accounts and still being reported on my credit report.
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (CA)

This is my 2nd complaint against SageStream LLC for the same problem. CFPB closed my first complaint on XX/XX/2020 with the reason being SageStream LLc has done there part and contacted me. This is not the case. After receiving an email from the CFPB I have since called SageStream LLC ( as per their direction in their response to my 1st complaint ) no less than 5 times per day on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and each time I have left a message with the details requested by SageStream LLC on their recording because they do not answer their phones EVER. Their recording states that all calls will be returned within one business day. I have not received a single return phone call to this date.
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX sent out a 30 day late notice, the only one in many accounts because a dormant account had an annual fee placed on it without notification. And it was not paid until the next bill was sent out.

Experian investigated and did not do a thing because technically I was 30 days late from when they wanted it paid even though I was not notified because it was a dormant account. Also, my credit limited was reinstated and the late fee removed but this was not reflected on the credit report either.

I currently owe XXXX and in fact XXXX XXXX XXXX  is late sending me a check for an over payment.
Consumer complaint received 2023-01-04
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. (SC)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX