davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-27
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)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
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 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 2022-07-05
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Ceannate (FL)

This is follow up complaint to XXXX FMS INVEST GROUP stated " Hello, Financial Investment Corp ( Financial Management Systems ) was closed as of XX/XX/2021, please refer back to the original creditor. Thank You, XXXX XXXX '' If FMS is closed they should not be reporting to my credit report after I told them to cease communication!
Consumer complaint received 2021-08-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NH)

COINBASE.COM I have been trying to get COINBASE to help me access my account for months.

The problem is the 2-step authentication does not work Their solution is always to sign in to my account to fix it ... .BUT I need 2-step authentication to sign in.

I have started the process 5 times, they say they are sending my case to an expert, then I never hear back from the expert ....
Consumer complaint received 2018-07-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (MO)

Received a letter from the collection agency XXXX XXXX stating that I owe them for an account with XXXX. I had XXXX XXXX insurance and renter 's insurance from XX/XX/2017 to XX/XX/2017. I paid up until the renewal date. I elected not to renew. 

I asked for verification of the debt and XXXX sent me a letter from XXXX stating that I must show coverage from XX/XX/2017 to XX/XX/2017 in order to receive credit for the {$150.00} they were trying to charge me. My policy renewed on XX/XX/2017 and I didn't renew. XXXX 's policy states on page 51 if their Missouri XXXX XXXX XXXX : # 3. Nonrenewal by YOU " If we offer or continue and you or your representative do no accept, this policy will automatically terminate at the end of the current policy period. Failure to pay the required renewal or continuation premium when due shall mean that you have not accepted our offer. '' I did not accept their offer and there is no language in their manual that stated that I needed to pay anything beyond the date of renewal if I didn't want to renew with them. 

They did not respond to the letter I sent to them explaining this and continued to pursue via collections. I didn't know this until I received notifications that a change was made to my credit reports.
Consumer complaint received 2022-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

Hi, Recently XXXX XXXX merged with Citizens Bank. After their merger my XXXX account has been over drafted for the 1st time in 2 years even though my account was set to not overpay what I don't have in my account. So no negative balance and overdraft can happen. 

Now merged with Citizens Bank they purposely made me overdraft to collect that fee and something is fishy about the over all alignment of my deposit and what they say I had during that week and days of negative into overdraft. I tried to remedy with the bank before this point of an complaint and they dismissed me. 

Citizens Bank has been fined for doing this before : " Misappropriation of depositor funds In XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) and other federal regulators levied nearly {$35.00} million in penalties against Citizens Bank " for failing to credit to customers accounts the full amount of their deposits ''. The regulators declared that, from XXXX to XXXX, " The banks actions resulted in consumers being shorted millions of dollars ''. [ XXXX ] [ XXXX ] Joint action by the CFPB, the FDIC, and the Comptroller of the Currency determined that Citizens Bank had engaged in " deceptive practices '' by " fail [ ing ] to give customers their full deposits at times when the size of the deposit didnt match the number written on deposit slips '', despite promising to correct such discrepancies, instead pocketing the difference. [ XXXX ] The bank was required to reimburse its customers for lost funds as well as pay roughly {$20.00} million in fines to the three agencies. [ XXXX ] The XXXX XXXX XXXXXXXX said that Citizens Bank 's misconduct " is appalling precisely because it is so basic '', demonstrating that " regulators like the Consumer Financial Protection Bureau are a necessary defense against a system prone to abuses ''. [ XXXX ] XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Bread Financial Holdings, Inc. (GA)

The XXXX XXXX has been notified of the issue I'm having with the Doctor I've given them the info of dental board complaint case number that being said I told them I didn't receive all services by this doctor but this company hasn't closed this account yet give me a balance due of {$1200.00} now it magically jumped to {$1900.00} ... .instead they are riding out time so they can keep charging me even though they said they would but it on a hold so not to have recurring fee but they adding fees to a bill which they admitted I've paid the doctor off already..but this doctor didn't do what he was Ethically Required to do I have given this company all the information and all the complaintBut they continue to stall so that they can make late fees and add money to this account instead of closing it outMind you I closed the account out once I had trouble with the doctor which was right away
Consumer complaint received 2022-03-21
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Revco Management, LLC (IA)

XXXX called XXXX XX/XX/22 XXXX called XXXX XX/XX/22 XXXX called XXXX XX/XX/22 XXXX called XXXX XX/XX/22 XXXX called XXXX XX/XX/22 XXXX called XXXX XX/XX/22 XXXX called XXXX XX/XX/22 XXXX called XXXX XX/XX/22 XXXX called XXXX XX/XX/22 XXXX called XXXX XX/XX/22 It's the same company everytime. They just yell at you and call you a liar when you try to set up a payment plan. It's General Service So they say. They call anywhere from 4-7 times a day, but never leave a message or not hang up on you. Repeat calls within 15 min of each other is harassment.
Consumer complaint received 2021-04-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: HILLTOP HOLDINGS, INC (OH)

The check to pay the XXXX mortgage payment to PrimeLending is dated XX/XX/XXXX. I have a copy of the front and back of the check. Since I get paid at the end of the month, I pay my mortgage when I get paid. 

It was 3 weeks into XXXX when I noticed that prime lending hadnt cashed my XXXX mortgage check. I thought maybe the check got lost. I was concerned, so I called PrimeLending and made a payment over the phone. On XX/XX/XXXX, PrimeLending cashed the check and tried to cash my online payment at the same time. There wasnt enough money in the account to cover two mortgage payments in the same month. 

I was told to block the online payment. So I did. Since I have never blocked a payment before, I didnt know that the block would be in place with that company until I removed the block. 

Our XX/XX/XXXX I went down to my bank and I removed the block on PrimeLending. I called PrimeLending and alerted them that I had removed the block. 

I have been in constant contact with PrimeLending. Each time, I have asked them if they were taking notes. They always tell me that they are taking notes. Every time I called PrimeLending, I tell the PrimeLending customer service representative that I want to pay my mortgage and ask them to help me clear up the problem. 

I checked my credit report today XX/XX/2021 and found PrimeLending had posted a delinquent account on my part. When I call PrimeLending, I get the impression that the right hand doesnt know what the left hand is doing in their accounting department. If prime lending had cashed my check in a timely manner, instead of waiting until XX/XX/XXXX, there would be no problem. 

I have tried to talk to representatives from PrimeLending numerous times and to no avail. My credit score dropped significantly due to this error on the part of PrimeLending. 

After hours on the phone, I finally found someone that would help me. My mortgage account is fully up-to-date as of today XX/XX/2021. My loan number is XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXXXXXX Bankruptcy was filed on my credit report in 2019 and dismissed. This is totally inaccurate and want this item removed off of my credit report immediately. 
Transunion is the only bureau reporting this inaccurate account.
Consumer complaint received 2022-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

I have federal student loans that are currently serviced by FedLoan, and I am pursuing Public Student Loan Forgiveness. Across my loans there are 10 monthly payments that are incorrectly listed as " ineligible '' as counting towards PSLF. During these 10 months I ( 1 ) worked for an eligible employer that has been verified and ( 2 ) my loans were not in a grace period, deferment, or forbearance. I have previously requested recounts of my ineligible payments, resulting in some to be updated as " eligible '' for some loans but not others.

I am requesting the assistance of CFPB to initiate another payment recount for my " ineligible '' payments. I have submitted this request to FedLoan by fax but have received no response. I am not able to reach a live representative by phone to make this request.
Consumer complaint received 2021-08-23
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 am writing to dispute late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with XXXX XXXX for a car loan that I recently paid off. I have never been late and have always made arrangements if there was having financial difficulty. I have contacted the company several times and mailed proof of payments every month I've had the loan. They are unwilling to remove the late payments.
Consumer complaint received 2022-02-12
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: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-23
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. (TX)

I am writing to dispute late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with XXXX XXXX for a car loan that I recently paid off. I have never been late and have always made arrangements if there was having financial difficulty. I have contacted the company several times and mailed proof of payments every month I've had the loan. They are unwilling to remove the late payments.
Consumer complaint received 2019-06-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (ID)

Mortgage Originator Never Transferred LOAN SERVICE RIGHTS AGREEMENT, MORTGAGE AGREEMENT, BENEFICIAL RIGHTS TO HOME AND PROPERTY, TITLE, DEED OF TRUST OR PROOF OF OWNERSHIP TO XXXX! On XXXX XXXX CALIBER HOME LOANS PURCHASED THE DEFECTIVE LOAN AND MORTGAGE FROM XXXX! CALIBER HOME LOANS HAS SET UP SEVERAL XXXX XXXX XXXX XXXXXXXX ON THE HOME AND PROPERTY XXXX TRUST IN MY NAME : WITHOUT MY EXPLICIT WRITTEN PERMISSION, MY EXPLICIT WRITTEN CONSENT ANT COMPLETELY AGAINST MY WILL! CALIBER JUDICIALLY FORECLOSED ON ME. IDAHO IS A NON JUDICIAL FORECLOSURE STATE! THIS HIGHLY IRREGULAR SINCE THE HOME AND PROPERTY DOES NOT FIT ANY CRITERIA FOR ANY JUDICIAL FORECLOSURE ACTIONS IN IDAHO! ALSO CALIBER HOME LOANS HAS RESOLD THE DEFECTIVE LOAN AT LEAST 2 MORE TIMES after the eviction in XXXX! CALIBER HOME LOANS LOAN NUMBER XXXX
Consumer complaint received 2019-08-01
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. (GA)

I have disputed the student loan XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX accounts with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-27
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: Experian Information Solutions Inc. (CA)

I am grateful for the efforts the Credit Bureaus have done with my Credit Reports. I value the Credit Bureaus ' help to REMOVE a portion of the data on my credit file that came about because of a FRAUD yet I have Accounts and information left that should also be taken out or removed. Per FCRA section 605b, the Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT # 149836723. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. Under the provisions of the FCRA section 605b, I am in need for the removal of the following fraudulent items completely from my Credit report : 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 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 DPT EDXXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-10
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-08-27
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. (DC)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$0.00}
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Account was opened in XX/XX/2021. I have provided documentation and requested multiple times through all credit bureaus for this information to be removed. I have reported identity theft, police reports, and ftc reports have been reported since then. I have requested information for documentation for accurate verification and no response. I have security freeze and fraud alerts on all my accounts as well.
Consumer complaint received 2022-08-27
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 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 also states a consumer reporting agency can not furnish a account without my writing instructions
Consumer complaint received 2022-08-27
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. (IL)

In accordance with the fair credit reporting act - XXXX XXXX XXXX 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 also states a consumer reporting agency can not furnish a account without my writing instructions
Consumer complaint received 2022-02-12
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: Experian Information Solutions Inc. (NC)

Reviewed my credit report and there is inaccurate information that has been reporting. I'm a retired veteran and need assistance with housing and these inaccurate remarks is hindering me in getting the help that I need for me and XXXX that is sick and has had XXXX strokes in the past year. Could you please help and make sure these accounts are updated and all negative and collections are removed immediately thanks so much.
Consumer complaint received 2022-02-12
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. (NC)

Reviewed my credit report and there is inaccurate information that has been reporting. I'm a retired veteran and need assistance with housing and these inaccurate remarks is hindering me in getting the help that I need for me and wife that is sick and has had XXXX XXXX  in the past year. Could you please help and make sure these accounts are updated and all negative and collections are removed immediately thanks so much.
Consumer complaint received 2022-10-11
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent out a letter to Transunion on XX/XX/XXXX. However, the credit bureau said they completed the investigation and everything was 100 % accurate. According to the law 15 US code 1681a - definition ; rules of construction. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I am in disagreement with the results of their investigation, as my report now reflects a XXXX decrease from a XXXX charged off, closed account that apparently was re-opened by the creditor this month, which is illegal. This was confirmed by a Transunion rep on XX/XX/XXXX, who also encouraged me to file this complaint. I would like to know who did they speak with, and how they did they complete this investigation ( context ) : Did they speak directly to any agent of the company that was reporting the inaccurate information for confirmation? If yes to the above : I would like contextual answers to each question asked in the attached disagreement letter. I also would like to know the reasons why the explained inaccurate, incomplete info from their records, did not serve as sufficient enough info for the removal of this account in accordance to FCRA Laws. Not to mention, I filed a dispute with XXXX, and they were able to do the right thing by deleting this account for violation of my rights and reporting inaccurate information.