davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Coinbase, Inc. (FL)

I have a debit card with Coinbase. There were 4 FRAUDULENT transactions made with my debit card. I alerted Coinbase real time when 2 transactions of XXXX and XXXX were made, when I received alerts on the mobile device. They were still pending when I alerted Coinbase. They never did anything about it. I also open a ticket at the same time. There are screenshots of it. Nothing happened for a few days, so I asked for the status and was told ticket was never opened ( even I have screenshots of the ticket number from the chat ). They opened new ticket. Nothing happened. I contacted them via twitter and someone told me they are working on it and they started to ask me questions that were already answered in the email chain. And it has been going on. Same questions and no progress whatsoever. 
Please help to recover my money and would be nice if Coinbase is punished for lack of the required support by USA laws XXXX XXXX
Consumer complaint received 2022-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (AZ)

I received a notification from my XXXX account on XX/XX/XXXX that my score dropped due to a collection agency who purchased the debt from XXXX , attempting to collect a debt of {$420.00}. I do not have a contract or know who they are or why they are trying to collect this debt that has been settled with XXXX and myself. They first tried to collect {$470.00} on XX/XX/XXXX and lost XXXX points, I was able to dispute it through the XXXX app and it disappeared for a month or XXXX, then it showed up today XX/XX/XXXX and I lost XXXX points. They are now attempting to collect {$420.00}. Which again is inconsistent with the original said debt. This debt has been settled between myself and XXXX, however they are not in contact with the debt collectors who are attempting to collect and can not intervene to stop the collection of this false debt. Attempting to remove this myself working with XXXX has led to me needing to report this to CFPB so that my credit is no longer impacted with a bad debt that is untrue.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MI)

Ive been a new home owner for 3 months and it still doesnt reflect on my Credit Report. Transition is always the lowest score across the board..why when same information reflects on the other 2 reports by Experian and XXXX?
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-18
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. (CA)

In accordance with the Fair credit report 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 section 2 : it also states a consumer reporting agency can not furnish an account without my written consent
Consumer complaint received 2021-07-20
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NOVAD Management Consulting, LLC (GA)

Me and my attorneys have contacted Novad Consulting for a copy of my payoff statement since XX/XX/XXXX. It is now XX/XX/XXXX. I have had the case escalated by multiple managers and they continuously tell me to wait. Two months later my buyers are about to drop out of my home purchase because we cant provide a statement to close. Extremely unprofessional and Im disgusted by the way Im treated when I call! I need my statement! They always say they cant do anything! They need to be shut down!
Consumer complaint received 2022-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NJ)

I received a letter from national credit systems Inc. regarding a client they obtained XXXX XXXX XXXX XXXX they said that I owed {$5900.00}. I reached out to them trying to dispute the death I asked them to verify the debt they then proceeded to send me a unsigned lease with my name on it. I reached out to them asking them to remove it I also provided proof that I never signed the lease they never responded to me they also have not provided any more information regarding the lease that needs to be signed I do not under
Consumer complaint received 2022-02-24
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. (MO)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-08-30
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (VA)

On XX/XX/2022 I received a letter from Freedom Mortgage providing notification that my husband and I were approved for a Traditional modification of our VA loan. I reached out to Freedom on or about XX/XX/2022 to accept the offer and get information regarding the first trial payment. The representative stated there was nothing I needed to do and since the underwriting department was swamped, I just needed to wait about a week or two for some paperwork to come to me in the mail. During this time I received no communication from Freedom so on XX/XX/2022 I contacted there office and was told again that there was nothing I needed to do, just wait for the paperwork. On XX/XX/XXXX, I logged into my account and saw that my account was now in a foreclosure status. I contacted Freedom and the representative informed me that they now needed proof of where my child support is deposited and a letter of explanation on how the child support is used. I apparently had until XX/XX/XXXX to send in this information, but I never received a letter stating this information was requested. I was instructed to still forward the information over despite being issued an approval. I asked the representative for assurance that my review would not be closed since Freedom failed to notify me and she assured they would keep the review open. Something about that conversation did not feel right so XXXX minutes later I called back and the representative couldn't understand why there was a request for info and an approval listed in their system on the same day, XX/XX/2022. She also informed me that the representatives I spoke with prior should have noted my acceptance of the offer in the system which would have triggered the creation of the loan modification documents. This is the third time that the loss mitigation process has been held up by misinformation by Freedom Mortgage 's representatives. This is an error that could have cost me my home again because how am I to know there is additional documentation required if I was issued an approval?
Consumer complaint received 2022-08-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY (NC)

I am writing this letter due to the actions that XXXX XXXX, XXXX has taken that have completely disregarded my rights under the FCRA, and FDCPA in which they have a legal duty to comply to. 

I have recently sent them another letter on XX/XX/2022 after carefully scrutinizing my credit report. They have failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. 

It is incumbent upon them under the law they prove that they have the legal right to collect this debt from me, and that they are allowed to do so in the state of North Carolina. What they have provided me with is a statement with the original creditors details, as well as information stating that they are attempting to collect a debt that XXXX XXXX XXXX XXXX XXXX is also claiming that I owe to them as well. This is not a validation of debt letter containing a contract bearing my personal wet signature as proof that I hold this contract with their company or with XXXX XXXX XXXX XXXX XXXX XXXX 

They are using unfair and deceptive practices in order to collect a debt for which I did not have a contractual obligation with XXXX XXXX, XXXX, and that they have purchased from the original creditor. 

For the above reasons, I have decided to file a complaint with Consumer Financial Protection Bureau for the immediate removal of this inaccurate information from my credit report. 
Sincerely yours, XXXX XXXX
Consumer complaint received 2022-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

I deposited XXXX cash to a Bank of America atm and the atm malfunction and credited XXXX to my account on XX/XX/XXXX. I contacted Bank of America to notify them of the error just for the banker to do the claim wrong was notified by second banker that claim information had been submitted inaccurate.I filed a complaint wit the occ Case # XXXX and afterwards account was placed in the negative for XXXX on hold
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (KS)

Third party debt collector ( MIDLAND CREDIT MANAG ) has incorrect information on report. Last reported date on my credit report by third party is the XXXX XX/XX/2022 but last activity is XXXX of XX/XX/2022 XXXXThird has not provided any form of validation. Third party is also suing me for debt.
Consumer complaint received 2017-09-01
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. (GA)

Pursuant to new CRA guidelines public records in the form of tax liens should possess the following information DOB and/or SSN. This information is not being accurately reported on my credit report and is therefore out of compliance. I would like for this tax lien dated XXXX/2016 to be deleted from my file. I have disputed this at least ( 4 ) times. Attached is a copy of the tax which clearly shows the tax lien does n't reflect my SSN or DOB.
Consumer complaint received 2022-08-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (TX)

As of XX/XX/2022 per cfpb director XXXX XXXX a law was passed to have medical files under {$500.00} to be deleted. I have contacted all of the credit bureaus in regards to my 4 accounts that I have on my file that qualify to be removed under the new law. 
I was advised by each bureau that they would put the accounts in dispute and nothing has happened and we have make no progress, thus prompting me to file this complaint. 
The accounts I am attempting to get removed are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (GA)

XXXX XXXX XXXX XXXX. This company needs to audit my account and remove some of the dates that are said to be late. I am current on this account. Even when I am current the company continues to call about the upcoming payments or payments that are nit 30 days late. I have asked that the account be audited by a human and that if the company can not prove to me on paper that my payment was more than 30 days late that my account be updated and corrections made to ALL credit reporting agencies. This time period is from the beginning to present of the account.
Consumer complaint received 2022-08-30
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, 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, The XXXX XXXX XXXX  Account # XXXX, The XXXX XXXX XXXX  Account # XXXX, XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, 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 2022-08-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (OK)

My car payment with Chase Auto was the XXXX of each month. 
On XX/XX/2023, I mailed in a check to payoff the loan. The amount and the address was given to me by Chase Auto because I would not have known what the payoff amount would be without calling them. 
On XX/XX/2023 Chase Auto received the check because it is stamped on the front of the check. 
Chase Auto did not deposit the check until XX/XX/2023, nearly 60 days after receiving the check. Meanwhile they continued to auto-debit my account for payments on XX/XX/XXXX and XX/XX/XXXX. 
They say they will refund my money but I still have not received it.
Consumer complaint received 2019-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE (CA)

I incurred repeated late fees for {$3.00} charge. First bill was {$7.00} in late fees, next was {$17.00} in late fees. Total balance was less than {$34.00}. They never called me to inform me my payments were late, they never sent any correspondence via US Mail or email. The only way I found out was through credit reporting agencies. 

I promptly made the payment, but now my credit score is down 50 points.
Consumer complaint received 2022-08-30
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. (CA)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Consumer complaint received 2022-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (OR)

In XX/XX/2021, my fianc and I purchased a XXXX XXXX bike. The bike was stolen in XX/XX/2021, and we filed a claim with our insurance company, XXXX. The claim was settled in XX/XX/2021 and a settlement check was issued for {$320.00}. I deposited the settlement check into my account in XX/XX/2021 and after a few days I checked my account to see if the check had cleared prior to spending the money. 

The check had cleared so I paid my final bill for XXXX off with the settlement check I had received from XXXX. With no warning, US Bank reversed the check and did not notify me. I noticed a negative balance when I logged into my account and called to ask why. I spoke with a representative at US Bank who said the check was not reversed, but they had never cashed it because XXXX put a stop payment on the check. I explained to them that I saw the check clear in my account and i explained that XXXX issued the settlement check and would not put a stop payment on it. I asked to speak with a supervisor, and offered to give them my claim adjuster 's phone number, which they did not accept. 

I called my claims adjuster and she agreed to speak with US Bank and told me that she can see the bank has cashed the check from her end so she could not reissue the check. 

US Bank refused to assist me, they dropped calls every time I called, they did not give me a valid reason for reversing the check, they never notified me, if I hadn't noticed I wouldn't have known until they closed my account. US Bank never tried to work with me to resolve this issue, and they charged me NSF fees for their mistake. When I asked for a letter stating why they closed my account they sent me a letter stating that it was closed due to overdrafts, and never addressed that they reversed my settlement check.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-08-30
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (DC)

I opened a XXXX Visa Credit Card on XX/XX/XXXX. The credit card is administrated through Comenity Capitol Bank and I was told I would receive my credit card within 10 days of approval. On XX/XX/XXXX, I was sent an email stating that my credit card statement was available and that I could pay. However, I needed my full account number in order to pay online. By XX/XX/XXXX, I had yet to receive my credit card in the mail and still could not access the account number. I called XXXX Customer Service and Comenity Bank to receive my account number so that I could register, activate, and pay my bill. I was then told that Comenity 's servers were down and therefore they could not access my account number and information. I attempted again in early and XXXX 2022 and was told again that there were issues with servers. On XX/XX/XXXX I contacted XXXX and received the following response from XXXX 's Customer Service : " Hello XXXX, I truly apologize for the confusion. 

I want to inform you that Comenity Bank is currently experiencing phone contact issues and we working to resolve this matter. At this time, I recommend you to allow 24 hours to re-attempt your phone call. If you are still unable to access it, please allow more time to receive your physical card by mail. 

Thank you so much for your interest in our company. I hope you have a lovely day! '' In XXXX, I called Comenity Bank to inquire again about the status of my credit card. At that time I was told Comenity 's servers were working again and so I finalized a payment on the card via phone. Additionally, I was told that another credit card was ordered for me and would arrive within 10 business days. I went out of the country from XX/XX/XXXX- XX/XX/XXXX. When I returned on XX/XX/XXXX, I still did not have a copy of the physical card in the mail. However, I have two bills from Comenity instead and a new balance that does not match the previous balance I had when I made a phone payment. 

Thank you for looking into the negligent and predatory consumer behavior that Comenity Bank has employed against me.
Consumer complaint received 2022-04-14
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. (VA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights 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.