davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-21
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc (FL)

CFPB Team, Hunter Warfield has attempted to collect an invalidated debt stated as {$620.00}, reporting to all 3 credit boroughs, and in violation of FDCPA regulations in multiple actions. 

Personal actions : - XX/XX/2020, debt was disputed on the same date as received from Hunter Warfield. 
- XX/XX/2020, a certified letter was sent to Hunter Warfield, again disputing the stated debt, and requesting that communication be only received via letter.

Hunter Warfield ( company ) actions in perceived violations of FDCPA : - Stated debt was never validated, via any communication method. 
- Attempted an email on XX/XX/2020, which required an acknowledgement of ownership and accuracy of debt in order to see any information. 
- Ignored a certified letter request to communicate only via letter, emailing repeatedly. 
- Attempts to collect amounts greater than originally stated ( {$660.00} requested on XX/XX/2020 ). 

These FDCPA actions and tactics appear common from reviews of Hunter Warfield, but more importantly do not appear to comply with legal consumer debt rights.
Consumer complaint received 2022-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: COMMERCE BANK (CA)

The Commerce Bank website has all of my current contact information but my e-statements continue to go to an old email address I no longer actively use. I have tried contacting them online multiple times to resolve this issue but they are unwilling to acknowledge that they are sending the statements to the wrong address. 

As I am writing this XX/XX/2022, I have been on hold for XXXX minutes waiting to speak with someone to resolve this issue.
Consumer complaint received 2022-03-21
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX  Account 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 602 A section 2. It also states a Consumer Reporting Agency can not furnish a account without my written permission or instructions.
Consumer complaint received 2016-02-19
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

We applied for a conventional mortgage with Citizens Bank. We submitted an offer on a HUD home where we agreed to make repairs. This was laid out in purchase agreement submitted to the bank on day 1. We proceeded to go through loan process only to find out after 6 weeks that they can not fund a conventional loan on a home that needs repairs. I spent countless hours submitting documents & trying to get status. Loan officer was unresponsive and even after escalated to his boss, not much changed. We paid for an appraisal {$450.00} for a loan that could not be funded. This was never disclosed to us. This has been a series of failed promises & missed deadlines. i requested letter stating that we could not proceed till repairs were made so that we could feed that info back to HUD. Both Loan officer and his boss refused. This will result in the loss of my earnest money of {$1000.00}. This has been stressful, and difficult to understand. I have a timeline ( attached ) of all the events laid out on spreadsheet that I gathered from a series of emails and conversations thru this process. I have never encountered worse customer service. It 's my understanding that we should have received a notice of approval within 30 days. This is a violation. I have been instructed to withdraw my application by XXXX XXXX. I have not done so. The bank should issue letter stating that they are unwilling to provide conventional financing on collateral. Denial for financing should be issued due to collateral not withdrawal of my application. 
Your consideration in this matter is greatly appreciated. It is my hope that no one else will have to endure this kind of service in there quest for a loan. 
So disappointing!!!
Consumer complaint received 2024-04-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC (IL)

Company impersonating Credit Control LLC. The trying to tell me I have an outstanding debt of XXXX but if I pay today it's only XXXX. Total tell. 

Also, they picked the wrong person because I have excellent credit, pay all my bills and am type A. I don't have an outstanding balance. And they would not tell me who the outstanding balance was for. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-21
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. (AZ)

I would like all these incorrect inquires off my credit report because I did not authorize those. my information was compromised during a car break in they got a hold of all my information ID social and birth certifcate. recently tried to open up a credit cards in my name and I want those off my report.
Consumer complaint received 2019-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (NJ)

Even though I had 0 % credit usage on the card, Discover closed my account on XX/XX/2019. Before closing my account they did not notify me why or even tell me. This closed account has led me to have a lower credit score, and stopping me from continuing my relationship with Discover.
Consumer complaint received 2019-10-16
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: JPMORGAN CHASE & CO. (CA)

I was approved for the southwest chase business credit card and received it on XX/XX/2019 and received a letter saying they closed it on XX/XX/2019 I called them and have the account to be reviewed but they discriminated and said they are closing my account because I dont speak proper English which I do than was told to many accounts which Was another lie felt like they were making stuff up as the conversation was progressing and I am a business owner would like this issue resolved because they cant get away with such behavior and discrimination thank you
Consumer complaint received 2022-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one quick to report negatives like being over the limit but extremely low on posting updated payment causing lowering of credit score ... .in my opinion deliberate scammers!!! And you do nothing about it. Join the club.
Consumer complaint received 2022-03-21
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. (AZ)

I would like all these incorrect inquires off my credit report because I did not authorize those. my information was compromised during a car break in they got a hold of all my information ID social and birth certifcate. recently tried to open up a credit cards in my name and I want those off my report.
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (CO)

I opened a complaint with Cfpb last year - complaint id : XXXX-XXXX My complaint was resolved and Navient stated that they removed the incorrect reporting of a late/ missed payment in XX/XX/XXXX. However it has come to my attention that Navient has averted the complaint by adding / shuffling late / missed payments reported to my credit bureaus. 

Navient removed a late/missed payment reported XX/XX/XXXX as requested, however they reported a late missed payment in XX/XX/XXXX when removing the XX/XX/XXXX remark. 
As stated in my first letter to Navient, I began making payments under this plan starting XX/XX/XXXX. 

Navient also shuffled the XX/XX/XXXX payment and XX/XX/XXXX payment as well when I stated I had not been late a full 30 at this time either.
Consumer complaint received 2019-04-14
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: CITIBANK, N.A. (DE)

there are 2 inquiries that i didn't authorized from citi bank from XX/XX/2018 and XX/XX/2018.
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

XX/XX/2019 checking credit report beside always having problems with bayview loan they say i have been late 18times not true i use to mail payment getting their b4 the XXXX i have proof-then a few yrs ago i started paying thru computer i have proof since XXXX this year i have had lotst of major problems from car-house, work, sick animals, had to buy denture upper broken half-then few weeks later bottom broke cost me to use credit card still paying, loan going up XXXX this 2019 from XXXX to XXXX plus 2nd moratage XXXX that is over XXXX month i only bring home about XXXX or less i spent over 2weeks filling out forms for a modification i know i can not make payments letter return i did not understand saying credit score only XXXX which is wrong is XXXX i called they told me my score was to high if no help i may have to go bankrupt witch i do not want to do i work so hard to get the score up i never seen any one have so much back luck as i have had from XXXX to XX/XX/2019 i just need help i still need the rest of my roof to be done now 2yrs only able to get one side due to a big leak insurance no help, the 1st part XXXX the other half if done will be XXXX.
Consumer complaint received 2022-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I would like all these incorrect inquires off my credit report because I did not authorize those. my information was compromised during a car break in they got a hold of all my information ID social and birth certifcate. recently tried to open up a credit cards in my name and I want those off my report.
Consumer complaint received 2019-10-16
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. (FL)

Multiple accounts that are incorrect are reporting on my credit reports XXXX/XXXX XXXX**** XXXX XXXX XXXX XXXX**** XXXX XXXX XXXX XXXX**** XXXX XXXX XXXX**** XXXX XXXX  XXXX****
Consumer complaint received 2022-03-21
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. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GreenSky, LLC (NJ)

I have a loan with my son as co-signer with Greensky. My son and his wife filed for Bankruptcy in 2017. Since then, my son has continued to always pay the Greensky loan as agreed since I was still responsible for it. He has never missed a payment. Further, most recently my son paid two large payments of $ 10,000+ to pay up the loan quicker than expected ( loan is a 15 year or so loan and is almost paid in full short of 5 years ).

I received an alert that my credit score went down due to delinquency. When I received my credit report, Greensky reported me as delinquent and charged off the loan. This should not have happened as due to the Fair Credit Reporting Act, my accounts in good standing should be reported as such.

My son contacted Greensky to tell them this, and they told him that due to the bankruptcy, they were following procedure. My son told them that they could not do that to me since I did not file bankruptcy only he and his wife did.
Consumer complaint received 2020-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2022-03-21
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. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-10-16
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: EQUIFAX, INC. (MO)

I have sent certified letters to all 3 credit bureaus, Equifax, XXXX and XXXX about these accounts they are reporting inaccurately on my credit report. They previously " investigated '' my disputes on these accounts and say that they found they we're mine & we're being reported accurately. I asked in the certified letter for them to send me any and all methods of verification to prove that these accounts are mine and accurate as they say they are or my credit report. Including a signed contract in ink with my signature and legal forms of my identification. I have not received a correct response from either of these credit bureaus in the time frame allowed. They did not send me methods of verification at all. XXXX XXXX claimed they just reinvestigated, the same as before and sent me the same exact investigation report from the prior dispute. Equifax & XXXX have not responded at all to my certified request. It has been long passed 30 days. The accounts are XXXX XXXX XXXX  credit card & XXXX Visa Credit card.
Consumer complaint received 2019-10-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have sent certified letters to all 3 credit bureaus, XXXX, XXXX   and TransUnion about these accounts they are reporting inaccurately on my credit report. They previously " investigated '' my disputes on these accounts and say that they found they we're mine & we're being reported accurately. I asked in the certified letter for them to send me any and all methods of verification to prove that these accounts are mine and accurate as they say they are or my credit report. Including a signed contract in ink with my signature and legal forms of my identification. I have not received a correct response from either of these credit bureaus in the time frame allowed. They did not send me methods of verification at all. Trans Union claimed they just reinvestigated, the same as before and sent me the same exact investigation report from the prior dispute. XXXX & XXXX have not responded at all to my certified request. It has been long passed 30 days. The accounts are XXXX XXXX XXXX credit card & XXXX Visa Credit card.
Consumer complaint received 2022-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I used the car lot to purchase a truck but was unhappy with the deal. Went back later and they pulled my credit without asking me to find the payoff value of my car because I would not give it to them. They ran my credit based on a text message that stated " show me your numbers '' and they ran my credit. I didn't sign any paperwork or agree to give them any information, they used previous info and ran it again and though several banks.
Consumer complaint received 2023-05-17
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. (DC)

I have recently reviewed my credit report with XXXX XXXX, XXXX, XXXX and noticed unauthorized accounts on my credit report and under 15 USC 1681 a number XXXX. You guys assumed the role without permission not only that you did not have consent. You guys did not respect my right to privacy which is under 15 USC 681 a number XXXX. They did not exercise their grave responsibility, they were unfair, they were partial. I am taking the liberty to file a CFPB report and attorney general 's complaint. The credit bureaus were not given or had permissible purpose under 1681 b number XXXX. I never instructed you guys to furnish this / my report and I never consented to this report in the first place. What I am demanding right now is that you guys deleted all XXXX active federal student loan accounts noted at department of educationXXXX XXXX  off my report. Please furnish each credit bureau with the cfpb REPORT NUMBER. XXXX have reported XXXX active federal student loans. The loans from Dept of Education were deleted and then reposted Dept of EducationXXXX XXXX XXXX I do not have business or contracts with XXXX. tHIS HAS GRAVELY IMPACTED MY EMOTIONALLY MENTALLY AND FINANCIALLY AND MY SCORE HAS DROPED DENYING FROM FROM ACCESSING CREDIT.
Consumer complaint received 2022-03-21
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. (PA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently reviewed my credit report and noticed that an account was not reporting accurately. I had two late payments on an account that it was in fact paid on time. The consumer reporting agencies have need to report all information with the correct accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ). I'm now requesting for you to investigate and provide verifiable proof withs records showing that I had late payments. if this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action. 
XXXX XXXX  Acct # XXXX
Consumer complaint received 2019-07-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (WA)

Hello there - This is regarding refinancing my 30 Years conventional fixed Mortgage from quicken loan to XXXX. The closing date, we decided with XXXX was XX/XX/XXXX and disbursement date was XX/XX/XXXX. Everyone was on track including new lender ( XXXX ), me and Title company ( XXXX XXXX ). XXXX disburse ( thru wire XXXX the amount per Pay off + 5 Days more interest on XX/XX/XXXX to quicken loan. Somehow they ( XXXX XXXX ) wired the fund to Quicken crossed the federal cut off time and quicken received the funds on next business day, Monday, the XX/XX/XXXX. 

Quicken charged 3 days ( For XX/XX/XXXX & XXXX ) additional interest one the top of Pay off which we received initially. Being a consumer, I am ending up paying double interest to quicken as well as XXXX ( For XXXX XXXX ) despite being on time from my end. 

I feel quicken shouldn't be taking 3 additional days interest as Title company ( XXXX XXXX ) already initiated wire on disbursement date ( XX/XX/XXXX ) hence I tried resolving with them directly, they said they will not revert the interest for these 3 additional days. Similarly, XXXX already taken 3 days interest for the same period through pre-paid and they are saying that I should reach out to quicken to get my interest refunded for XX/XX/XXXX thru XX/XX/XXXX. 

I do have all the evidence ( such as emails, chats ) that I tried with quicken and it is not resolved yet.
Consumer complaint received 2019-10-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (FL)

I have called, emailed XX/XX/2018 and tried to log into my account using the same credentials I set the account up with. After several months, the company, 'Coinbase Pro ' would not allow me to login and stated it did not recognize my device. It required me to upload my US gov issued Drivers license including the back ( with barcode ) over an unsecured transmission. A clear screenshot was required, or I could take a photo while accessing the device using my phone or webcam. Again, both methods are insecure and no one has legal right to store my ID or photos of me and the devices I use to access my accounts. I have received email correspondence from Coinbase Pro reiterating the same requirements over and over without resolving the matter or calling me to resolve the matter. 
I have purchased and traded with other exchanges and not had any problem between them ( XXXX ) until I changed my email address. Since they can not send me a confirmation by email and they have no other dual authentication set up it has been months since this began and it has not been resolved. 
I can not access : XXXX {$95.00} XXXX {$100.00} XXXX {$50.00} XXXX   XXXX TOKENS XXXX XXXX TOKENS XXXX