davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX reports to credit report that the amount written off as {$6000.00}. The ending principal balance after accounting for all fees was {$5400.00}. I have attached XXXX 's payment history as verification of the discrepancy as well as how it appears on my credit report. I also attached a copy of a letter they recently provided me that said the blance should have been {$7000.00}. There are so many discrepancies with this account. The information XXXX is reporting there is no way it can be correct as they have sent me different letters stating different things, and none of it matches. There is not one item that matches on the explination of fees page with the transaction history or my credit report. This account must be removed as it is not 100 % accurate, and I'm not even sure we can trust thier validation of anything, since they cant even decide what the balance was or should be at the time of charge off.
Consumer complaint received 2024-03-29
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

Synchrony has advised customers that they are going to begin charging a {$1.00} per month fee to receive paper statements for their Lowe 's consumer accounts. I am writing to advise the CFPB that this seems to be an unfair practice in my opinion. Personally, I do not like to receive statements solely via e-mail, as it is not a reliable way for me to keep track of bills that are due. Further, I have to believe that there are some consumers who may not have access to electronic statements or bill payments ( e.g., elderly or those who are economically disadvantaged ). The letter that was sent by Synchrony did not offer any alternatives for consumers- simply warning them that they will start to be billed the fee if they don't convert to online statements. I respectfully respect that the CFPB look into this new practice and take appropriate action to protect consumers from additional fees.
Consumer complaint received 2022-09-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK (NC)

Called Discover on XX/XX/XXXX for the payoff amount was told it was {$18000.00} and within the 120 day deferred interest period until XXXX. I clearly asked if the loan is paid off by XX/XX/XXXX the amount will be {$18000.00} or original loan amount $ XXXX payments and was told YES repeatedly. 
Called today XXXX to pay it off and was told it was {$18000.00} and that interest was not deferred?
Consumer complaint received 2018-02-19
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. (FL)

My name is XXXX XXXX. This has been longer than usual and my dispute has been over looked and Im very disappointed in how your system is made to fail and it is purposely done to ignore that you are the cause of my problem and Im not afraid to sue you in court for damaging my credit file. Youve leaked my information and caused my personal information to be seen by millions and now my file is damaged badly. Yes your company is the one to blame for this situation my file has been used more than a few times and Im tired of it. I will be suing for damages of the total accounts listed in the attachment area. I am unaware of the accounts and they need to be removed immediately following your investigation. I will be following up in less than a week and if it isnt removed I will be forced to go down to the XXXX XXXX XXXX XXXX House to file a lawsuit, contact the FTC, and place your company public record online of how you falsely mistreat consumers by placing inaccurate account for money.
Consumer complaint received 2018-02-19
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. (FL)

My name is XXXX XXXX. This has been longer than usual and my dispute has been over looked and Im very disappointed in how your system is made to fail and it is purposely done to ignore that you are the cause of my problem and Im not afraid to sue you in court for damaging my credit file. Youve leaked my information and caused my personal information to be seen by millions and now my file is damaged badly. Yes your company is the one to blame for this situation my file has been used more than a few times and Im tired of it. I will be suing for damages of the total accounts listed in the attachment area. I am unaware of the accounts and they need to be removed immediately following your investigation. I will be following up in less than a week and if it isnt removed I will be forced to go down to the XXXX XXXX XXXX XXXX House to file a lawsuit, contact the FTC, and place your company public record online of how you falsely mistreat consumers by placing inaccurate account for money.
Consumer complaint received 2021-12-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Hello Sir/Mam I would like to bring your attention to an issue I have with Coinbase payments that first took place on the XXXX of XXXX 2021. I have been victimized by a multilayered scam operation. The funds were transferred utilizing Coinbase 's services in the total amount of over 10,300 euros. I would also like to point out that on the XXXX of XXXX 2021. I filed a dispute with Coinbase. They did not alert me to a potential scam or fraud, exhibiting that there was no issue with the recipient hence, Coinbase went ahead - and transferred the funds. Knowing that all the checks and confirmations are taking place before every transaction is being carried, these seems to be simply non efficient at all. If Coinbase would have performed a simple online search on scammers, they would have seen all the warnings, bad reviews, and alerts. Due to the fact that there are growing strong warnings against scammers and cybercrimes worldwide, I believe that Coinbase failed with their duty of care at this stage. I expect Coinbase to take full responsibility for my lost funds.
Consumer complaint received 2021-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (IN)

XXXX XXXX suggested I apply for another card to increase my credit rating. They recommended an Apple Pay card. I was not aware that I had to use this card with the wallet application or I never would have applied for it. 

My credit went down because I applied for this card. 

The card requires me to use my phone. I believe this is an effort by apple to get you to buy XXXX. 

I tried to follow the requests on support and now my phone comes up with an apple pay screen every time I try to use my phone! Support blamed me for this even though I did not write the software. I am afraid this is could cause charges to my card. I want out of this agreement but my credit will be damaged due to no fault of my own! 

I do not know how to undo the changes I made to my phone. No one should be forced into something like this. I called them when I saw that they wanted me to use my phone and they said that they could send me a physical card instead. This was not totally true. I still need to use the wallet on my phone. 

This should be illegal. Why does your credit go down before you even use it???
Consumer complaint received 2021-12-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

THE COMPANY PORTFOLIO RECOVERY LLC, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1629 ( A ) ( 1 ) THE TERM " BUREAU '' MEANS THE BUREAU OF COMSUMER FINANCIAL PROTECTION. XXXX, XXXX, XXXX, AND XXXX ARE ASSUMED TO BE CREDIT BUREAUS AND THERE IS ONLY XXXX BUREAU AND THAT IS THE CONSUMER FINANCIAL PROTECTION BUREAU. ON XX/XX/1933, CONGRESS ENACTED HJR-192 TO SUSPEND THE GOLD STANDARD AND TO ABROGATE THE GOLD CLAUSE. THIS RESOLUTION DECLARED THAT " WHEREAS THE HOLDING OR DEALING IN GOLD AFFECT THE PUBLIC INTEREST, AND ARE THEREFORE SUBJECT TO PROPER REGUALTIONS AND RESTRICTIONS ; AND WHEREAS THE EXISTING EMERGENCY HAS DISCLOSED THAT PROVISIONS OF OBLIGATIONS WHICH POPURT TO GIVE THE OBLIGEE A RIGHT TO REQUIRE PAYMENT IN GOLD OR A PARTICULAR KIND OF GOLD CURRENCY ARE INCONSISTENT WITH THE DECLARED POLICY OF CONGRESS IN THE PAYMENT OF DEBTS. THIS RESOLUTION DECLARED THAT ANY OBLIGATION REQUIRING " PAYMENT IN GOLD OR A PARTICULAR KIND OF COIN OR CURRENCY, OR IN AN AMOUNT IN MONEY POLICY ; AND ... EVERY OBLIGATION HERETOFORE OR HEREAFTER INCURRED, SHALL BE DISCHARGED UPON PAYMENT, DOLLAR FOR DOLLAR, IN ANY COIN OR CURRENCY WHICH AT THE TIME OF PAYMENT IS LEGAL TENDER FOR PUBLIC AND PRIVATE DEBTS. 15 USC 1681 ( 3 ) ( E ) THE TERM " INVESTIGATIVE CONSUMER REPORT '' MEANS A CONSUMER REPORT OR PORTION THEREOF IN WHICH INFORMATION ON A CONSUMER 'S CHARACTER, GENERAL REPUTATION, PERSONAL CHARACTERISTICS, OR MODE OF LIVING IS OBTAINED THROUGH PERSONAL INTERVIEWSWITH NEIGHBORS, FRIENDS, OR ASSOCIATES OF THE CONSUMER REPORTED ON OR WITH OTHERS WITH WHOM I AM ACQUAINTED OR MAY HAVE KNOWLEDGE CONCERNING SUCH ITEMS OF INFORMATION
Consumer complaint received 2021-12-01
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2022-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX XXXX, VA XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( XXXX ) XXXX. Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, VA XXXX XXXX, XXXX XXXX XXXX Attached is a copy of my State ID as well as my XXXX bill showing proof of address
Consumer complaint received 2018-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

greetings, I have been trying for the past year to get these credit reporting companies to remove inquiries that are being reported on my credit file due to fraud and they still have not done anything about it at all. I am a XXXX percent XXXX veteran that was living out of the country and yet they was items reporting on my credit profile. I don't need a car and yet they are tons of inquiries about vehicle purchases, loans etc. I don't have the luxury like others to pay a repair company to fix my credit especially when it is not my fault. 
I know that they are doing a business and that they are hurting individuals badly, with that being said my credit score has suffered drastically because of the wrong report on my profile and now I can not even get a VA loan to help my family and put a roof over their head. 
They are still reporting accounts that have been closed and that was fraudulent for years, i need help on suiing them because that is the only way they will listen and do their job nd remove these items from my credit profile asap.
Consumer complaint received 2021-12-01
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: Experian Information Solutions Inc. (MA)

Experian dont verify the inaccurate information on this account or preform a proper investigation with this dispute because the last date reported XX/XX/20 has never changed in the serval months I have dispute this inaccurate information. I have disputed this inaccurate account multiple times over the past serval months and the last date reported has never changed which shows that this account was never verified or investigated. Because the last date reported never changed on any of my disputed credit reports this is a violation of the FCRA requirements. 

Experian has a grave responsibility to preform a proper investigation with this dispute and the last date reported should change each time the account is disputed, which it dont charge on any report with this dispute. 

I have attached proof documentation directly from the credit report showing the date of XX/XX/20 which is over a year since this date has not changed. The last date reported has not changed on any credit report I have received while this account has been disputed the last few months. This is a violation of the FCRA requirements. 

I am keeping very good records of all communications with this dispute in case I need to litigate this account with Experian.
Consumer complaint received 2024-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (VA)

I am writing to address some concerns regarding my mortgage with Rushmore Loan Management Services , LLC, which was transferred to XXXX XXXX on XX/XX/2023. While XXXX XXXX claims not to be associated with Rushmore Loan Management Services , LLC, both entities fall under Mr. Cooper, also known as Nationstar Mortgage LLC. 

The primary issue pertains to my senior tax relief provided by the County of XXXX, Virginia. In XX/XX/2023, XXXX County sent my lender a check for {$4700.00}, which was my refund for overpayment of real estate taxes on my home. XXXX XXXX retained {$3500.00} of this amount and only disbursed {$1200.00} to me, resulting in a discrepancy of {$3500.00}. I am puzzled as to why they are holding this money somewhere, but it is not in my escrow account. 

Similarly, I personally paid my homeowners ' insurance in full directly to the insurance company. However, XXXX XXXX continues to escrow funds for insurance, raising concerns of double billing. 

Furthermore, I have been impacted by their data breach, which compromised my information on the dark web and adversely affected my credit.
Consumer complaint received 2021-12-01
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. (FL)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/202XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020
Consumer complaint received 2018-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (MD)

Enhanced Recovery Co has been reporting a collection on my credit report for a XXXX account. I asked for validation and information as I do not have a XXXX account. They sent a XXXX bill with the same name as mine, but at an address I don't live at. I asked for them to please clarify to which I never received a response however they did update my credit report to show a balance due of {$160000.00}! I was denied credit twice during that time period due to their negligence. I reached out to them again demanding deletion and have certified tracking showing the letter was received by ERC. They have not responded, but changed the amount reporting to the credit bureaus again since. There are multiple clear violations to my FCRA rights.
Consumer complaint received 2023-01-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Kimball, Tirey & St. John LLP (CA)

Currently behind on rent due to compromised immune system and XXXX. Business is in violation of SB91 which is in effect until XX/XX/XXXX. XXXX XXXX 

I had XXXX XX/XX/XXXX, expected to have another XXXX within the next 2 month and I have XXXX XXXX XXXX XXXX XXXX 

My daughter has an XXXX XXXX XXXX which would cause  XXXX  if evicted from our home.
Consumer complaint received 2022-05-01
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. (NC)

In accordance to the Fair Credit Report act XXXX XXXX XXXX  has violated my rights. 

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

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

In accordance to the Fair Credit Report act Credit one bank has violated my rights.

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

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (FL)

I refinanced my vehicle with XXXX XXXX XXXX, signed contract date of XX/XX/XXXX. I returned all of the properly signed documentation required to them via XXXX on XX/XX/XXXX. 

Through a credit monitoring service I found out that my credit score dropped 78 points due to a " missed payment ''. My score went from XXXX to XXXX. I have worked diligently on building my credit up and have NEVER missed a payment. 

Through research I found out that Exeter, my previous auto loan lender, was reporting the late payment. I have never been late on a payment the entire time I was financed with them. After further research I found out that XXXX XXXX XXXX sent in the payoff EXTREMELY LATE on XX/XX/XXXX. I had already made my first payment on my new account to XXXX XXXX before they even sent in the payoff to the old company. ( I attached the USPS tracking XXXX showing when they mailed the payoff. ) I called Exeter and they are unwilling to remove the late payment. They advised me to contact XXXX XXXX to get it straightened out since they were the ones that sent in the payoff late. 

After 6 calls to XXXX XXXX I am now filing a formal complaint. XXXX XXXX will not take responsibility for sending in the payoff late. They advised me every time that I called that it is MY responsibility to get Exeter to remove it from my credit report. On 2 different occasions I was told a manager would contact me. Finally a manager called to get the whole story and said he would get with his people and call me back. That was XX/XX/XXXX and I have not heard from them since. 

This late payment needs to be removed from my credit report since it was beyond my control and absolutely not my responsibility or fault.
Consumer complaint received 2024-03-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (CT)

Square we used as we initially started our business but they are assuming one of our transactions was fraudulent. They have locked up the funds for 90 days they are saying. Cash flow is vital when starting a business, and profits from 2 sales are locked up. 

We operate by charging the customer full amount up front, to then order the cabinets and begin assembly to deliver. Ive had to fund this project from our personal accounts to save face with the client.
Consumer complaint received 2022-01-15
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: EQUIFAX, INC. (CA)

My husband and I were applying for home loans in XX/XX/2021. We shopped around with a few lenders including XXXX. The loan XXXX from XXXX we worked with was XXXX XXXX XXXX. He ended up pulling our credit multiple times without our consent, but since at the time we were shopping for a home loan, we did not do anything about it. 

We bought our home in XX/XX/2021 through another lender and have not applied for a home mortgage since then. 

Recently on XX/XX/2021, XXXX XXXX XXXX pulled our credit ( both me and my husband ), even though we are in NO WAY engaging in business with him. We tried to contact him to get him to reverse the credit pull but were unsuccessful. We also filed disputes with Equifax ( both me and my husband separately ), but Equifax upheld the credit pull as valid, even though we did not authorize it and are NOT seeking a mortgage from XXXX. 

Since we are not getting any help from XXXX XXXX, XXXX or Equifax, we need to file a report to get a resolution and remove the credit check. I'd also like to report XXXX for erroneously pulling credit without our consent both in XXXX when we were shopping for loans, and many months later in XXXX when we had no relationship or contact with him.