davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCalla Raymer Leibert Pierce, LLC (CA)

I opened a complaint against XXXX XXXX XXXX XXXX. Last month on XX/XX/2018 complaint number XXXX.Still I haven't got an answer from this Debt Collector about my DEBT VALIDATION LETTER, *** The CFPB closed this complaint based on their answer they Provided as it follows : " XXXX XXXX XXXX, Mc Calla Raymer Leibert Pierce and XXXX XXXX XXXX are not mortgage servicers -they are still vendors hired by mortgage servicers for the purpose of pursuing foreclosure and would NOT BE DEBT COLLECTORS under settled California Law.Morever XXXX XXXX  filled chapter XXXX bankruptcy on XX/XX/2018 is currently represented by bankruptcy Counsel.Any communication back to XXXX XXXX are complicated and possible prohibited by the Bankruptcy automatic stay allows for a legal respite from certain collections activities***.

I have to stay this debt collector lie and misrepresented to this Federal Agency, I'm attaching a media publication in which XXXX XXXX XXXX Admitted be a Debt Collector the 5TH page attached to the previous complaint in the third column top in the right it says : '' THIS COMMUNICATION IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED WITH THAT PURPOSE '' Basically this debt collector is lie and misrepresented to the federal agency, and the reason I opened an new inquire is because they still send me this dunning letters the latest I received is from XX/XX/2018.

If the CFPB doesn't take action to stop this Outlaw Company I may file a class Action against them, with another XXXX people who had problems with this Company under the same circumstances, and I already started looking for information on the owners of this company to including in a separate legal action.
Consumer complaint received 2018-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

Experian is reporting incorrectly a payment amount on my XXXX XXXX XXXX Credit Card. I have provided a snap shot of what is currently being reported. The report is reflecting a payment amount of {$27.00} which is incorrect and needs to be {$0.00} as the other two bureaus are accurately reporting.
Consumer complaint received 2019-08-27
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. (OH)

Trans union received official documentation of my police report and affidavit proof of identity theft but they continue to report XXXX  XXXX account ending in # XXXX and XXXX account ending in # XXXX i will attach a notarized affidavit and i will attach proof of police report. Also checking my credit on XX/XX/ i have also found that XXXX account ending in # XXXX is reporting additional inaccurate information on my credit report which will be attached. Trans union reports last payment on XXXX account on XXXX XXXX XXXX reports last payment XXXX. Error number two same  account two different close dates trans union reads XXXX XXXX XXXX readsXX/XX/XXXX. Error number three days late trans union  reports 120-149 days late XXXX   says 180 days past due. Also the XXXX account ending in # XXXX is a closed account reporting monthly payments of {$230.00}. These errors on my credit report has been harming me financially and emotionally i cant continue my line of business with inaccurate information on my credit profile.
Consumer complaint received 2018-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX CA SSN XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX TRANSUNION XXXX DEAR SIR OR MADAM According to the Fair Credit Reporting Act, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
THIS IS DOUBLE JEOPARDY AND IS NOW AGAINST THE FCRA AND FTC LAWS I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification STATE TAX LIEN XXXX XXXX CO RECORDER XXXX {$17000.00} STATE TAX LIEN XXXX CO RECORDER XXXX {$17000.00} * Please remove all non-account holding inquiries over 30 days old. 

Thank You, XXXX XXXX
Consumer complaint received 2021-04-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (IL)

Coinbase. 
I sent a request to Coinbase Support regarding a trade I made in error. 
I had no from Coinbase response for months. 
I had already accepted that it was my fault for making the trade in error and moved on. 
Months later they sent me a notification via email that the account was disabled. 
It has now been disabled for almost a month. 
I have no ability to buy/sell or have access to my funds.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WV)

I sent letters to each credit credit bureaus ( XXXX, Equifax, XXXX ) with a notarized copy of my ID, Social Security Card, Bank Statement, and all updated personal information. I requested that my Credit Report be updated, to reflect accurate personal information. Also, that each Credit Bureau Delete any erroneous addresses, and listed jobs. Each letter was sent Certified Mail on : XX/XX/year> Tracking Number for Each Letter : XXXX, XXXX, XXXX, I just recently checked my Newest Credit Report, no corrections have been made in the 30 days allotted tho the Credit Bureaus, nor has any contact been made
Consumer complaint received 2018-11-19
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. (CA)

I have made several attemps to obtain my credit report. Recently to obtain my yearly free credit report and again today, when I requested a copy in response to recent credit denials. I have been denied each time with no clear explanation why, or how to obtain my free copy that I'm entitled to, according to the FCRA.
Consumer complaint received 2021-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

The Capital One bank recently underwent a transfer to a new computer system, which I completely understand from a business perspective. However, this new process has been difficult for customers like myself, because of a lack of communication to their customers. Capital One bank changed their routing numbers and should have informed their customers at least 30 to 60 days of this new process. The change of routing numbers has forced so many of us ( customers ) to have to make so many changes for direct deposits and for electronic payments that come out of our accounts. I received notification via mail about 7 days before this new process took place. Granted, their are delays in the delivery of the mail due to COVID-19. However, I truly do not understand why the bank did not inform/communicate via e-mail for those customers that are signed up to receive electronic alerts. My mortgage payment was lost in the mail and then the account that it came from was closed by the bank and opened with the new routing number, which created a lot of problems for me. In addition, I had to complete paperwork for all of the vendors who I pay electronically because the routing number was changed by Capital One. It is hard to believe this bank would change the routing number with so little communication and especially during tax season. Finally, their online bill payment process has changed which will now could make some payments delayed.
Consumer complaint received 2021-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm here to ask for your assistance with regards to my dispute 60 days ago. I wasn't notified of any investigation taking place nor it's results. I hope that the accounts mentioned on my dispute will be deleted since all of them were misleading and falsely reported as being mine. Also, it's already past their investigation so everything must be deleted.
Consumer complaint received 2021-04-11
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)

Ive been locked out of my coinbase account for almost a month now. They are not responding to questions they have no response and have my money. Coinbase is a scam. They have an IPO coming up and they are trashing existing account holders.
Consumer complaint received 2021-02-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (CA)

My wife and I decided to purchase our first home in XX/XX/XXXX. We found a house we liked and proceeded with getting a mortgage thru our bank XXXX XXXX and were passed onto Quicken 's Rocket Mortage. We were initially told our mortgage payment would be {$3500.00} via the Loan Estimate a/o XXXX. Weeks later and while I was in a XXXX XXXX XXXX XXXX  battling the virus we received a Loan Closing Disclosure on XXXX that informed us our payment would be {$4000.00} but no explanation for the increase just days before we were set to close on XXXX. When my wife and I tried to get an explanation we were told the taxes were calculated incorrectly in the estimate but that this was the correct figure by our loan agent XXXX XXXX. Then things started to get weird, we accepted that mistakes could be made and wrote it off to everyone trying to cope with the stresses of covid and do their job just as we were experiencing. We missed our closing and could not get any real information from anyone as to why, then we were told it was because the appraisal was not scheduled, then the appraisal had to be rushed as well as done in person instead of being a desk appraisal and the rush cost were being passed onto us. We had already given notice to our current landlord and had to be out of the house we rented by the end of XX/XX/XXXX so we accepted the few hundred dollars and hoped we could get into our new house without having to pay thousands more for a 1 month rental or hotel stay. XXXX XXXX stoped being our loan agent and we never got the name of the new guy servicing our loan but we were informed that our payment would now be {$4200.00} via the Closing Packet we received on XXXX. All of these price increases were hard to swallow but we live frugally and were able to accommodate the increases so we accepted that we were lucky enough to be able to buy a house and happy to have a roof over our heads that one day would be ours instead of a landlords. Fast forward to the present and we are again trying to figure our how our mortgage is yet again going up by hundreds of dollars. On XX/XX/XXXX we received an Escrow Analysis Statement that informed us our payment would be increasing to {$4600.00} starting with our XX/XX/XXXX payment. We were shocked and called the lender to inquire what was going on and how our escrow account was only short {$10.00} but our payment was increasing drastically. We have not heard anything back from them for over a week now but were told initially that the increase was due to property taxes being miscalculated yet again and we were financially responsible for their failure to adequately and throughly do their job. We are not sure how we can handle this monthly payment which represents {$1000.00} per month above what our initial estimated all inclusive mortgage payment was supposed to be. They have lied or misrepresented these figures for the third time now and do not seem to care or have any repercussions for their lack of due diligence.
Consumer complaint received 2024-05-16
Product: Credit 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: GOLDMAN SACHS BANK USA (CA)

I booked a XXXX to stay XXXX night in the hotel XXXX XXXX XXXX between XXXX to XXXX. 
I did my checking with my friend XXXX XXXX that booked XXXX nights XXXX. 
The hotel attendant mixed or room and I stayed in her room so on XXXX I called the receptionist and I asked to do my check out, I was told that I just need to leave the key inside the room and was all set. Thats what I did. 
After couple days I saw XXXX $ extra charge in my account. When I contacted the hotel they told me that I stayed XXXX more night but I did not. 
Later I understood that they charged XXXX more night because my friend was i my room and I was in her room
Consumer complaint received 2020-11-05
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (VA)

I have already submitted a complaint with the CFPB regarding a matter with Loan Depot and received an e mail stating the that company responded but I am not able to see their response when I sign onto CFPB. I DO NOT want this complaint closed until there is a resolution. 

Rather than repeat the entire story please retrieve my complaint against them and re-activate it or I will proceed to file new complaints until the matter is resolved. They " Pre Qualified '' me for a loan and then denied it after I spent over {$1100.00} to purchase my first home. They denied me for something that I was not even financially responsible for and I am livid, not only because they denied me the purchase of a home as a first time home buyer which they " Pre Qualified " me for and the {$1100.00} that I am out but the fact that they should have asked me about the concern/issue during the " pre qualification '' process. 

I will not leave this alone until there is an acceptable resolution.
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: CCS Financial Services, Inc. (AL)

XXXX of XXXX, MA is violating my rights under 15 U.S.C. 1681 sections 602a and 604a section 2. By furnishing information on my credit report without written instructionm. I also have not and do not have any contracts or have done business with them ever in my life. They are also violating 15 U.S.C. 1692 by attempting to communicate with me. 
They've posted to my credit report without my permission and it's having an unlawful affect on my credit.
Consumer complaint received 2021-04-06
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. (TX)

I have not receive any response from the bureaus and I have sent multiple dispute letters to them. Not even a letter in the mail or by email. This outrageous and plan out unfair. I want these items deleted from my report immediately. Like right now.
Consumer complaint received 2022-05-03
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I spoke with XXXX today from Transunion special services department. She has informed me that my account profile has attributes. as she explained there is a lawyer 's power of attorney that has been put on my Transunion credit profile, that being said it blocked me from accessing my Transunion credit account online. That is actually a clear violation of consumer rights mentioned in FCRA law. There is a reason that TransUnion continuously ignores all my complaints and letter to remove ca collection that is not mine and they continually claimed that is verified where the creditors are not even responding. The inquiries that I have which I complained about since 2021 and up to now there are unauthorize inquiries that have been made still this bureau continually promised that their special service agent will contact me after 72 hours or 3 business days. Today, XX/XX/XXXX XXXX from the special service department is my first time speaking with them since last year. I was waiting to be transferred today and XXXX picked up my call. TransUnion kept a collection and inquiries which is the fraudulent activities on my account. XXXX instructed me to send the copy of CFPB and FTC reports that i filed previously and with the copy of this report as well to TransUnion dispute department.
Consumer complaint received 2021-12-06
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. (AZ)

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within XXXX ( XXXX ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.XXXX. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Security Credit Services, LLC (NV)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccuracies and false information consists of personal credit card account Security Credit Services opened XX/XX/2022 account number XXXX in the amount of XXXX. This account have resulted in several fraudulent hard inquiries and fraudulent collections and charge offs reporting on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, charge offs or hard inquiries as reported. The aforementioned accounts, collections, hard inquiries and charge offs maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections, hard inquiries and charge offs are the result of identity theft and fraud. I have attached a copy of the FTC identity Theft Criminal Complaint as proof from the US Federal Trade Commission Report number : XXXX that all of the aforementioned consumer credit accounts, collections, hard inquiries and charge offs are the result of identity theft and fraud. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) So I requested a description of the investigation and they did not provide it to me which is a violation of 15 USC 1681i7 . They also violated 15 USC 1681i ( 5 )
Consumer complaint received 2021-02-01
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: SYNCHRONY FINANCIAL (NC)

On XX/XX/XXXX my bill for account SYNCB/TJX CO Opened XXXX XXXX, XXXX did not go through when it was on the auto-bill in the bank XXXX XXXX. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment.
Consumer complaint received 2021-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

RESURGENT CAP SRVCS LP Last reported XX/XX/XXXX {$8200.00} Open balance was reported- I am unaware of this debt. I sent a letter in XXXX of XXXX asking to send me the contractual agreement between myself and the creditor. I received a letter from them with a screenshot of my credit report displaying the account/information I have no knowledge of. I did advise of multiple fraudulent accounts on my credit as well. 



Validation Request Letter XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX SSN *** ** XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Account # : XXXX Hey guys, I received your notice and am requesting full validation of the debt. Because I've been fraudulently contacted by debt collection companies in the past for unsubstantiated debts, I now require full validation on all claims. Please provide the following within 30 days from the date of your receipt : 1. Agreement that states your authority to collect on this alleged debt. 

2. Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor.

3. Alleged account number.

4. Date this alleged debt became payable.

5. Original delinquency date.

6. Verification that this debt was assigned or sold to collector.

7. Complete accounting of alleged debt.

8. Name and address of the bonding agent for Collection Agency in case legal action becomes necessary.

Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. 



XXXX XXXX I have not received documents requested/verified.