davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-10
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (KY)

Freedom morgage bought my morgage XX/XX/XXXX and from second month they stared sending letter letters say I didn't pay my morgage payment Then six months later I started getting letters stating I was several months behind .i called and asked what months and then twice sent copies of front and back of canceled checks for those months and both times they said they didn't receive them after phone calls over several months of there personal just wanting to know when I was going to send payment XX/XX/XXXX I called and informed them I would be late on XX/XX/XXXX payment because of death in family and would pay extra each month to make it up.then I received five letters for five different single point of contact when I called was told they were no longer employed They started forclosure at end of XX/XX/XXXX I sent five copies documents for modification and they rejected all I've got canceled checks for several months they say never received Had a court date of XX/XX/XXXX and on XX/XX/XXXX received letter from there attorney canceling the motion and court date. On the XX/XX/XXXX I received lazier from master commissioner for sale date of my home motion was dated XX/XX/XXXX I was never informed of second court date or not e they started forclosure again. I have all bank statements and Morgage statements with other issues like missing funds from escrow I'm 100 % XXXX and a DAV and this home is all I have An you help
Consumer complaint received 2024-02-24
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account XXXX : XXXX Account Number : XXXX and list of Inquiries. 


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-09-11
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: EQUIFAX, INC. (NJ)

The company deleted credit reporting my active account from all credit reporting agencies after six years of good payment history and an account in good standing causing my credit score to drop by 100 points causing a low credit score This loan is still active and not within seven years statue to delete hence this account have been over paid I feel by {$10000.00} this why I feel the company violated FCRA to hind the overpayment on the account Additionally I am owed the title for this Vehicle which has been overpaid
Consumer complaint received 2020-11-29
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (VA)

On XX/XX/2020 ( XXXX XXXX ) I was told by Chrysler Capital that {$1900.00} was my total balance and that by paying that they will be free of debt and they will close my account. It turns out now they are trying to charge me more money and reporting even a bigger balance to the 3 Bureau Credit Score. 

Please help.
Consumer complaint received 2019-11-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rausch Sturm LLP (OK)

XXXX  XXXX knowingly allowed me to go o we my credit limit. XXXX  sold my debt to Rausch, Sturm, Israel, Enerson ... .law firm. 
I paid of {$10000.00} and they are after me for thousands of dollars of interest. I have been in negotiations with this law firm and they are ruthless. XXXX  is the only company that has not settled. 
They have called my work twice within an hour and sent a fax wanting to verify my employment. I called and have talk to the collections manager. His phone message states he will return the call at his convenience. No return call! Have emailed the collection manager and he finally emailed back and said he was in a meeting. 
They are rude and impossible to work with. I will have to try to get a loan from the bank. But I have lien against me. I have paid off all but the interest they state I owe. Help please!
Consumer complaint received 2021-02-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (TX)

Over the last 3 years with the company it has repeatedly and on purpose halted trading and or transfers during specific time periods that correlate directly with peak sales and buy times. When this tactic fails they shut off their 2FA system to prevent movement of assets thru " security '' risk prevention and lie about their being someone working on it. This all can be proven with an outage report that they should be providing to their customers but are not and do not provide that information publicly. Its well known that Coinbase does this and all the customers it has have lost millions of dollars in trades. Today XX/XX/2021, I attempted to start the process of moving my assets off their horrible site to a more secure and profitable wallet app. Coinbase refused to send me my 2FA code that allows me to make transactions. I currently have nearly over XXXX of a XXXX dollars on the site that they are essentially denying me access to. Their support team is in XXXX and only does regurgitation of scripts from their own support website that provides no help at all what so ever. They don't even know their own company structure or what they are even involved in. The CEO himself has been made aware of this issue and has not issued statements nor done anything proactive to fix this huge issue but instead is trying to go public with is company. XXXX XXXX doesn't deserve nor should he legally be allowed to go public with Coinbase until he can provide a fundamentally stable application that doesn't steal from customers thru market manipulation. It needs to be legal for customers to sue them for loses today.
Consumer complaint received 2020-10-23
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. (CA)

I was trying to buy a truck at the XXXX dealership today XX/XX/20 and when they ran my credit, I was told that I did not qualify to finance a car at this moment because there are accounts in negative standing on my credit report. I had no idea what they were talking about because I have always made sure to pay all of my loans and credit cards on time. When I got home I looked through a copy of my credit report and I saw three accounts and a few credit inquiries that are not mine. The accounts are from these companies ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not open any of those accounts and I did not give anyone permission to open them on my behalf. I do not have written or verbal contract with those companies nor did I benefit anything from those accounts such as money, goods, services or any other benefit. I did not contribute to any payments that might have been made towards those accounts. I have already filed a police report & a complaint with the CFPB.
Consumer complaint received 2019-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (TX)

Not sure of any dates when I noticed this on my credit report I disputed it and it came back denied like its mines I did not notice the debt until I decided to be more involved with my credit to buy a house this debt is from speedy cash ... in 2016 I believe XXXX or XXXX some time I had all my personals stolen including my social bank details from my check book and I blocked my social and set out fraud alerts when I re covered all the missing personals and felt safe I unblocked my social and for job purposes even if a u lost your social its not like they give u a new number anybody couldve still used my information they is real scammers I did not apply for speedy cash if this was approved online is there way to track the device and location is was done or a video footage
Consumer complaint received 2024-02-24
Product: Credit reporting 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. (RI)

TransUnion is been reporting an inquiry by XXXX XXXX twice, on XXXX, and XXXX. I had no business with this company or authorized them to run my credit.
Consumer complaint received 2019-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

To the Capital One credit card department, I signed up for the Capital One Spark Business Visa to spend of {$50000.00} promotion and receive XXXX points. I made a few phone calls to Capital One customer service toward the end of the 6-month spending term. Over those phone calls I was given different information on each phone call. Except for one item. The fact that the full XXXX bonus would be earned. 

There were a few issues that led me to know that I met the spend & would receive the entire XXXX points : 1 - I didnt receive my credit card in the mail until XX/XX/2019, essentially the spending promotion should go through that date. 

2 - per the phone call on XX/XX/XXXX XXXX XXXX  EST with XXXX in XXXX Florida he stated, call in closer to the spending date to obtain more time to meet the spending requirement as that has been the standard & Capital One will give you additional time to meet the spending requirement. 

3 - XX/XX/XXXX XXXX XXXX  I called in to see where I was at for the spending. On this phone call the representative was calculating my current spend & she told me everything was alright & that I had spent enough money to meet the spending promotion. 

4 - The most significant issue of all though is Capital One did not provide a tool to properly track spending for the promotion for customers or the customer service representatives attempting to answer this question. Each time I called in the amount the representative gave me was different than what I was calculating at that time. They didnt have a tool themselves & were manually calculating the spend themselves. Which resulted in me understanding I had completed my spend per representatives directly telling me this. Moreover, when downloading to a csv file Capital One previously only allowed 60 days to be downloaded at a time, that makes the calculation process difficult. I now see that Capital One added the feature to download 25 months. I highly appreciate that. 

I will highly appreciate Capital One adding the missing XXXX miles to my account. 

I attempted to contact Capital One via mail twice & it appears they didn't even really read the letter I included above.
Consumer complaint received 2021-09-11
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2021-04-02
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. (NY)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2017-09-15
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. (TN)

We bought a car at XXXX XXXX, XXXX TN XXXX ... XXXX XXXX arranged the financing or the car purchased. XXXX XXXX, 2016 ... transaction date. XXXX XXXX did several inquires for the credit to be issued for the car note. Those credit inquires were to be counted as XXXX inquiry. Transunion Credit Bureau counted them as XXXX separate inquiries, however the inquiries were for the same purpose ... purchase a car. This is wrong and has not been revised..it is obvious same day ... same hour, same purpose, same vendor. XXXX XXXX.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX, XXXX. # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (MA)

I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Consumer complaint received 2019-11-10
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)

Because of the ID theft and being a victim from the XXXX fallout it is literally impossible to upload supporting documents in a fraud case unless I pay all three credit bureaus {$20.00} a month I spend almost every day dealing with different errors and at the end they cant identify me. This makes the dispute process extremely difficult and that should not be that way for everyone. I would like all three bureaus to process my CPFB report and FTC report regarding the disappearing money from my account and the indirect nagtive reporting because if it and its non working app till the matter is resolved. 

According to them zero party nets have been made and XXXX dollars to saving when three have been made and should apply as they showed just weeks ago
Consumer complaint received 2019-11-10
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. (CA)

Self Lender / XXXX XXXX XXXX  has ruined my credit from their own derived fraudulent methods and stolen the small amount of money Ive put in thus dropping my credit by more than 137 points. All three credit companies since the Equifax fallout and my info being spread all over the dark Webb and fraudulent inquiries and accounts. 

Become qll three credit companies have difficulty verifying who I am I can not submit fraud reports directly to the CRA and am unable to start a proper investigation unless I pay for all three and their monthly fee. 

I cant afford that cost.
Consumer complaint received 2023-01-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (AZ)

I have requested a copy of my auto loan note/agreement from Santander in excess of 5 times and they will not send it to me. I have also requested my formal auto loan statements for each month since originating my loan in 2013 and they have failed to provide them in violation of FDCPA and have failed to provide debt validation notices. Their accounting of my loan is illegal, they do not apply payments according to amortization on a fixed rate closed end term loan.
Consumer complaint received 2023-01-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on 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 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 2019-11-10
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)

Because of the ID theft and being a victim from the XXXX fallout it is literally impossible to upload supporting documents in a fraud case unless I pay all three credit bureaus {$20.00} a month I spend almost every day dealing with different errors and at the end they cant identify me. This makes the dispute process extremely difficult and that should not be that way for everyone. I would like all three bureaus to process my CPFB report and FTC report regarding the disappearing money from my account and the indirect nagtive reporting because if it and its non working app till the matter is resolved. 

According to them zero party nets have been made and XXXX dollars to saving when three have been made and should apply as they showed just weeks ago
Consumer complaint received 2017-07-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CURO Intermediate Holdings (AL)

I included my debt to Speedy cash in the amount of XXXX dollars in my Bankruptcy which was filed in XX/XX/XXXX. My case number is XXXX, my attorney is XXXX XXXX XXXX. All debts owed to Speedy Cash were included in the bankruptcy yet Speedy Cash refuses to list the debt as discharged or closed. As of XX/XX/XXXX it is still on my credit.
Consumer complaint received 2020-05-27
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. (MO)

The following accounts on my credit files does not match the authenticated accounts known to me. These particular accounts possibly derived from my information being stolen. Mentally and emotionally this has destroyed my sanity All I'm asking for the 3 major credit reporting agencies to remove and block these unknown frivolous accounts. 

1 ) XXXX  XXXX  {$590.00} 2 ) XXXX XXXX XXXX {$790.00} 3 ) XXXX XXXX XXXX {$610.00} 4 ) XXXX XXXX XXXX {$160.00} 5 ) XXXX  XXXX  XXXX {$70.00} 6 )  XXXX XXXX XXXX {$99.00} 7 ) Dept of ED/XXXX   {$31000.00} 8 ) XXXX/ XXXX 9 ) XXXX 10 ) XXXX  {$500.00} 11 ) XXXX XXXX XXXX  12 ) XXXX  XXXX XXXX XXXX   {$21000.00}