davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-10
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. (NJ)

On XX/XX/XXXX I sent TransUnion a formal complaint about inaccurate and incomplete information on my credit report. I specifically listed their failure to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish. I also informed them that it is their responsibility to report only 100 % accurate information. I asked for a reinvestigation on 6 accounts. According to the FCRA, section 609 ( A ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. I demanded to see verifiable proof ( original consumer contract with my signature for the accounts listed below. I also let them know that I have been hindered in obtaining credit because of these inaccurate accounts and under the FCRA, unverifiable accounts must be removed. Accounts to be verified or removed immediately. XXXX? XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Original CreditorXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX  XXXX XXXX XXXX. On XX/XX/XXXX I sent a demand to comply letter letting them know their failure to respond in a timely manner. They have not complied with the law.
Consumer complaint received 2020-11-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I, XXXX XXXX am inquiring about my Bank of America Home equity line of Credit. My 2nd mortgage was discharged in a Chapter XXXX bankruptcy. I would like to know why my second mortgage was NOT forgiven in the National Mortgage Settlement Act. My first mortgage was modified under HAMP, and Bank of America never modified my second mortgage, which was to happen automatically or never forgave my 2nd mortage under National Mortgage Settlement Act. 
Please explain why nothing happened and I did not receive the assistance that was available. I would like this mortgage to be forgiven the way it should have been.
Consumer complaint received 2021-02-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC. (GA)

Hello, I've applied for a refinance of my mortgage 5 months ago. Less than a month into the process I was approved with conditions. I paid for an appraisal and application fee and i have yet to close on my loan. I've asked the Loan officer and LOA numerous times about the status of my loan. They have not responded to my contact with clear guidance or not at all. My lock has expired for reason not placed on myself. I completely understand the pandemic, holidays, and all but this is not acceptable.
Consumer complaint received 2019-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My account was paid off by a financial institution on my behalf in XXXX of this year. 
I received a letter - opened on XXXX that indicated the account was closed. I verified this with my noble app. 
I called capital one and inquired about the closure. They said that they had received a letter to close the account separately from the payoff that had my signature. I asked for a copy and they said they could not produce it. I explained that I never authorized the closure of the account and that it could have a potential impact on my FICO score. 
Again, they said they would not produce the aforementioned letter with my signature.
Consumer complaint received 2017-12-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. ()

I had XXXX Bitcoins stored in a Wallet at Coinbase. On XX/XX/XXXX all my Bitcoins were transferred from my account. The transaction history on Coinbase says that money were " sent to Coinbase '' without further explanation. Coinbase does not offer phone support for transactions and asks their customers to create an support case via their web gui. Ive created several but they get closed without explanation.
Consumer complaint received 2019-08-12
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. (TX)

I have recently received a copy of my credit report..The report had an account listed from that are not mine. I disputed the account with the credit bureau as " not late '' but it recently came back as verified..The 30 days late payment is not correct and yet you could not substantiate its representation..You have provided information while knowing or having reasonable cause to believe that the information credit bureaus have provided was inaccurate. This is why I am filing this complaint, step up CFPB and reverse the late payments on XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TN)

I found XXXX Major Errors on my Experian Credit report which are NOT on my XXXX OR XXXX report in regards the XXXX account beginning with XXXX. They are as follows : Account type being Mortgage Banking the terms were an Installment not Revolving. Experian has this listed as " revolving '', It was NOT and : The Entry for the High payment Balance is listed as " {$0.00} '' this is also incorrect. As an installment mortgage the payment amount was a fixed principle plus variable interest rate with taxes and insurance rolled into the payment amount via escrow. As such it could not have a value of zero ( 0.00 ) dollars. Therefore this tradeline is in error and negatively affecting my credit score unfairly in its inaccuracy.
Consumer complaint received 2017-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

After sending Transunion several letters of complaints regarding the following inquiries 1.XXXX XXXX-XX/XX/XXXX 2.XXXX-XX/XX/XXXX 3.XXXX XXXX-XX/XX/XXXX 4.XXXX-XX/XX/XXXX 5.XXXX XXXX-XX/XX/XXXX 6.XXXX  XXXX-XX/XX/XXXX 7.XXXX XXXX-XX/XX/XXXX 8.XXXX-XX/XX/XXXX 9.XXXX-XX/XX/XXXX 10.XXXX   XXXX-XX/XX/XXXX 11.XXXX XXXX-XX/XX/XXXX 12.XXXX XXXX-XX/XX/XXXX 13.XXXX-XX/XX/XXXX14.XXXX-XX/XX/XXXX that they are reporting on my credit report.the last letter I sent was certified. they are reporting not yet proven compliant information. Transunion has detailed on my credit report. reporting several allegations of inquiries that have not been adequately verified in a compliant manner as mandated per the FCRA metro 2 reporting regulations, namely that they do not have verifiable proof or permissible purpose and the chicanery led to subterfuge is UNLAWFULLY injurious to my credit and reputation which is clear infringement of my consumer and civil rights. instead of marking dispute on these errors after sending 3 dispute letters instead TransUnion ignored my letter. I informed them that I did not authorize anyone employeed by the companies to make any inquiries and view my credit report. this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I requested that they remove the fraudulent inquiries from my credit report immediately that is maintained under my social security number.
Consumer complaint received 2019-08-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX is purposely reporting my student loan with TransUnion, XXXX, and XXXX in a negative status. XXXX is reporting the same negative account 4 times on all three credit bureaus which is an F.C.R.A ( furnishing and reporting old information, furnishing and reporting Inaccurate Information, and mixed files )! My only loan with XXXX was added to my Bankruptcy that was filed on XX/XX/2010 at XXXX XXXX. After 9 years XXXX still reporting negative on my credit reports. I am furnishing proof of my complaint against XXXX.
Consumer complaint received 2019-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (CA)

Company has failed to properly show full proof of the account identity Also attempted on several occasions to return the material in question serial number XXXX This company is fraudulently billing me for services not rendered and refuse to remove from my report.
Consumer complaint received 2021-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (TX)

I've been a customer of American Express since XXXX. The problem I encountered was with the autopay system. I have always used autopay and month-over-month nothing had changed with my autopay settings, yet XX/XX/XXXX I was charged a late fee and interest for a processing issue American Express had with my auto-payment. Again, the account my auto-payment had been setup with did not change, there were not insufficient funds, and actually looking at my transaction history, the auto-payment was debited on from my checking account when the payment was due on XX/XX/XXXX. 

On the American Express website, it shows that the payment had been processing since XX/XX/XXXX ( and it still shows being processed ) but American Express didn't flinch at the chance of slapping me with a late fee and interest even though their systems were to blame. 

I've been using autopay for years now and have never had this issue. Multiple customer service representatives calmed my nerves by telling me this never happens or rarely happens but it has me hesitant to trust their autopay feature or I might have to spend another hour of my time trying to remedy the system bug I had to deal with. 

Additional Note : I was on chat for so long that I was logged that I got logged off and when I logged back on to reconnect with the customer service representative I was working with, chat failed to load which forced me to call in and re-explain the issue I was having.
Consumer complaint received 2019-08-12
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)

My identity has been compromised and not only that I was a victim of the XXXX   data breach inwhich has landed unknown and unauthorized accounts reporting on my credit file, therefore I'm asking that these accounts be removed. 

1. XXXX XXXX {$120.00} 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX
Consumer complaint received 2019-08-12
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 — Investigation took more than 30 days
Company: Nelnet, Inc. (OH)

Nelnet is purposely reporting my student loan with XXXX, XXXX, and XXXX in a negative status. Nelnet is reporting the same negative account 4 times on all three credit bureaus which is an F.C.R.A ( furnishing and reporting old information, furnishing and reporting Inaccurate Information, and mixed files )! My only loan with Nelnet was added to my Bankruptcy that was filed on XX/XX/2010 at XXXX XXXX. After 9 years Nelnet still reporting negative on my credit reports. I am furnishing proof of my complaint against Nelnet.
Consumer complaint received 2019-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (SC)

JC PENNY is reporting something on my credit that does NOT belong to me! I applied for a credit card with JC PENNY BACK IN XXXX AND XXXX and my credit application was denied. I dont have an an active account with this company nor have I authorized any accounts to be used in my name. I recently noticed a missed payment on my credit report with this company and I dont have nor have I ever authorized the use of a JC PENNY credit card. I called this evening a spoke to a representative in there fraud department this evening,XXXX about XXXX, her name was XXXX ID number XXXX and she confirmed that she couldn't find ANY active accounts with my name associated with there company but only a past application when I applied 10+ years ago ad was denied and no account was established which I confirmed was correct. I dont have any authorized accounts with this company and I want this erroneous reporting removed from my credit report immediately! I filed a dispute with XXXX and that stated the info was valid. I requested the documentation confirming the action they have to refute my dispute today from a representative at XXXX by the name of XXXX ID # XXXXand he couldn't provide any reasoning only stating they confirmed this was my account and that they have determined it was authorized by me. I never authorized my name on this account or applied for this particular account onr have I used this account!
Consumer complaint received 2019-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

one of the people whXXXX XXXX  and XXXX was breech company is not following loan note as it is clearly written paid by the 1st and provided XXXX XXXX receipts. 
law suits will be filled for damages as their mis documentation has cost me money a step away from being homeless and mental distress All three credit bureaus have receipts of payment made prior to 1St  but still have not removed.
Consumer complaint received 2020-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

I started a Costco Visa card by Citibank approx XX/XX/XXXX. I have paid my total debits to Citibank every week from the beginning. Citibank started charging interest on an unpaid balance in XXXX or XX/XX/XXXX telling me there were charges before the end of the billing period. All debits are paid weekly so how could there be interest charges?
Consumer complaint received 2020-09-22
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. (NC)

I have mailed several letters to Equifax disputing the errors on my account. 
I have also called & representatives claimed to start an investigation on these fraudulent errors also. 

XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX XXXX {$1400.00} Balance updated XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$1300.00} Balance updated XX/XX/2020 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX  {$1300.00} Balance updated XX/XX/2020 These accounts do not belong to me. 
Please assist me on getting them removed, these fraudulent items are damaging my score and credibility.
Consumer complaint received 2022-08-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

On XX/XX/XXXX I received a notice of assignment from Resurgent Capital stating that LVNV is now the current owner of the alleged debt. I reached out to them a couple weeks ago after calling XXXX XXXX XXXX  and finding this information out. I have yet to receive a validation or dispute option. In LVNV initial letter they said the communication was from a debt collector. However they also mentioned this wasnt an attempt to collect. That notice was very confusing and deceptive because it did not include their next steps or what I needed to do in order to validate this debt. They also mailed a correspondence to an address that was giving to them without my consent.
Consumer complaint received 2021-09-05
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. (PA)

I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.
Consumer complaint received 2020-09-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NM)

I was a victim of investment fraud/scam. The company is called XXXX XXXX ( XXXX ). I initially invested XXXX  into the company. After some time and watching my eoptions account increase they said it was time to pay me my profit. They asked for my bank account info for the transfer. They then wanted to connect to my account with a XXXX XXXX account to make transfers easier. What they did was provide me with XXXX a day to my account and then wanted me to use that to buy bitcoin with since it was profit and send it to them and by doing this I would receive more of a return on my investment. A total of XXXX was sent to me. I used that to buy bitcoin with as directed by the company. And after it was all spent the XXXX XXXX company account then pulled the XXXX back out of my account putting my account into negative. The company tried calling it a mistake and they would fix it and they have not fixed it for over a week. I have reported this to the local police, FBI, IC3, and now here.
Consumer complaint received 2020-09-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery are reporting two outdated accounts on my credit. I called Portfolio and they stated that both accounts are 10 years old. Yet they continue to re-age the accounts and report them on my credit. I have been disputing these accounts with Portfolio for a year now and they are still violating the Laws of the FCRA
Consumer complaint received 2019-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EVERBANK, NATIONAL ASSOCIATION (GA)

one of the people who XXXX  and XXXX was breech company is not following loan note as it is clearly written paid by the 1st and provided XXXX XXXX receipts. 
law suits will be filled for damages as their mis documentation has cost me money a step away from being XXXX and XXXX XXXX  All three credit bureaus have receipts of payment made prior to 1St but still have not removed.
Consumer complaint received 2019-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

hello i have been using paypal credit card 2 % cashback and i have paid all of my bills on time. this month my statrment blance payment due date was on XXXX XXXX. i made 3 seperate payment.one payment of XXXX $ on XXXX XXXX. one payment of XXXX $ on XXXX XXXX and one payment of XXXX on XXXX XXXX the exact due date. the total payments i did is XXXX that is slightly more than the balance i had that was XXXX. 
i had an autopay activated on the acc also.but on XX/XX/XXXX i found out that they have chrged my checkking account TWICE and closed my account right after and charged me interest and rejection fees!!! i was somewhere with my family outside town when that happened and it cost me a lot of stress and money because i couldnt pay my expenses.!! i asked them about that and they said it was a system glitch but they cant do anything. i asked them to reopen my account and they said they cant and they are gon na report to credit bureus that the account is closed due to return payments!!! i called them twice and they put me on hold for about an hr each time. 
can they do whatever they wan na do to me without any supervision sir? 
i just want you to know what happened to me and that wasnt fair to me and they have to be responsible for how they treat their customers. 
thanks
Consumer complaint received 2021-11-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

My payments are due on XXXX of every month. that's the due date. 
In XXXX payment was due on the XXXX of the month, as such XXXX mad a payment in XXXX on the XXXX. 

since there are 31 days in XXXX, XX/XX/XXXX is the XXXX day. XXXX was paid on that day which is the XXXX day. so because they were paid on that XXXX day, they can not report me 30days late, because they had payment in their possession on day XXXX and such was not over yet so technically the XXXX day was not over yet and they are in violation of fair credit reporting as such states : " late payments generally wont end up on your credit reports for at least 30 days after the date you miss the payment, although you may still incur late fees. '' XXXX states : If youre only a few days or a couple of weeks late on the payment, and you make the full late payment before that 30 days is up, See, XXXX XXXX XXXX  On XX/XX/XXXX when I made the payment, the 30 days was not up yet and they had the payment, so they are incorrectly reporting a late payment.
Consumer complaint received 2021-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank (IL)

Opened a secured credit card online and found out they do not accept online payments, only over the phone with a {$10.00} charge. Cancelled the card prior to the card even arriving. The rep refused to give me my account number when I tried to close the account. The account was opened and I hadn't received the information yet, but was opened and reported on my credit. The rep said I didnt need to mail anything back or in. The company said it would take 10 weeks to receive my deposit back but couldnt tell me what account number was closed and collected an annual fee from my cancellation ( which was fine, but was unable to advise the account the fees were being taken from ). I asked to he transferred to a supervisor and she refused to transfer me or give my information to me. 
Call : XXXX XXXX  cst With : XXXX XXXX XXXX Customer Service Rep, XXXX XXXX XXXX : XXXX )