davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (NC)

On XX/XX/XXXX, I opened a mortgage with Loan Depot and paid an initial escrow for taxes of {$3000.00} and this was to be placed in an Escrow for a payment in XX/XX/XXXX. I started paying {$520.00} to Loan Depot in XX/XX/XXXX for an Escrow each month and they paid the taxes on XX/XX/XXXX in the amount of {$5200.00}. They never posted the initial deposit of {$3000.00} and so they stated by Escrow in the negative. Informing me of this in XX/XX/XXXX ( when prior screens showed it applied ). 

I initiated this as a concern and now being asked to pay {$960.00} per month to catch up and 60-days later I am still get that this requires significant research. 

In the closing documents ( attached ), you will see there is a left and right side. On the left side shows the collection of the escrow for the one month before a payment happens and on the the right side you will the amount I paid in full for taxes for the first year less the credits to the sellers. Where did this money go?
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

In XX/XX/2020, I submitted disputes online with equifax, along with uploading documentation, as to the inaccurate Date of Birth being reported. Upon every attempt, Equifax immediately closed the dispute stating the incorrect information was in fact verified as correct, and NO changes would be made. I have had several attempts blocked from dispute, stating I had to have a different reason to dispute the same information before they would " investigate '' further. I have suffered severe hits to my credit, as well as unidentified charges to this day that can not be resolved.
Consumer complaint received 2021-07-08
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: The Outsource Group, Inc (NC)

I recently filed a dispute in regards to the incorrect items on my credit report. 30 days has passed & I have not been reached out to about my investigation results.
Consumer complaint received 2021-05-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

XXXX hacker was attempting to steal my funds from Coinbase and Coinbase Pro and I lost access because they changed my password and I asked them to freeze accounts. They confirmed that they froze accounts but now they will not let me recover access. They ask me to open a new account but when I try I get a letter back that I am not allowed and that my account is deleted. 


I filed complaints with them, the XXXX, the SEC and have heard nothing.
Consumer complaint received 2021-05-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (AZ)

Applied for a refi on an existing NewRez mortgage on XX/XX/2020. Loan number XXXX. XXXX. No cash out. Rental property. NewRez has the existing mortgage. Paid for appraisal up front. Appraisal done in XX/XX/2020. All documents provided to NewRez as requested in timely manner. " Conditional approval '' many months ago. Credit scores near 800. All additional documents provided in timely manner. Appraisal at XXXX, so 38 % LTV. Appraisal expired as no action by NewRez. They had to request recertification of value. That is in. Have had to make several complaints with their customer service to get any response. Last request New Rez made for was verification from primary lender on primary home that payments current. They have 6 months of my bank statements showing this. They keep requesting more bank statements as the original 3-4 months they requested apparently got too old. No end in sight, no close date, little to no communication. Interest rates are now up and I can't go elsewhere and get the same rate after they have wasted all this time and tied up my credit for 6 MONTHS awaiting a close on this tiny mortgage.
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 — Their investigation did not fix an error on your report
Company: Santander Consumer USA Holdings Inc. (NV)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

The XXXX Credit Bureaus are reporting inaccurate information on CHRYSLER CAPITAL ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

My name XXXX XXXX, I am a victim of identity theft and ive tried to reach out to XXXX XXXX and explain that i never took this loan out the person who took this out was my late tax prepare who later died she was in distress.
Consumer complaint received 2020-11-26
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. (TX)

On XX/XX/2020 I was submitted a dispute letter for inaccurate and unknown account that I found on my credit report. It's over 30 days now and I haven't received any response from them. Those accounts are not mine and those are Identity theft. I was a victim of the XXXX data breach and those accounts need to remove ASAP or I will file a litigation.
Consumer complaint received 2018-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TX)

all credit reports XXXX XXXX Experian XXXX I have requested from all three have never send me an credit report from all three threw annual credit report I have not heard an respone at all my name is XXXX XXXX I have asked them constanly haven't heard nothing I want to file an compliant on all three agencies
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Experian has furnished unauthorized information on my consumer report without my consent or written instruction. Experian has violated my privacy and security while refusing to substantiate their claimed entry and their method of verification. To my knowledge, I have not signed any documents authorizing Experian to alter my consumer report at will ; therefore, the entries disputed on my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-05-03
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. (AK)

I am not able to access my Equifax credit report and neither is a potential mortgage lender. I called Equifax in early XXXX to try to resolve this issue and was told to fax a copy of my license, a bank statement, and a letter explaining my purpose, which was to lift a freeze on my account. I sent this fax on XX/XX/2021. I called again on XX/XX/2021 because I had not received mail confirmation that the freeze was lifted ( I was told I would receive a paper letter XXXX. The first person I spoke to could not confirm my identity and seemed to struggle with my mailing address. He forwarded me to a second person, who said that the documents I faxed in were not linked in my file and I would need to mail them instead. I have included here a copy of the fax that confirms receipt. Further, I was told my account was frozen because I must have requested a freeze. I have never contacted Equifax before now, either by phone or online and have never requested a freeze. I am concerned about having to call, fax and mail out my SSN multiple times this doesnt seem safe. And I have no confirmation that my information is being received and if it is, that it will resolve whatever problem the company has with my account. I am unable to move forward with the home buying process as long as Equifax holds me here. Thank you for your help resolving this.
Consumer complaint received 2022-04-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (HI)

XXXX from XX/XX/XXXX until XX/XX/XXXX The fraudster has my phone number, personal information and the information to the secondary bank account. 
Funds were transfers and then removed from my account to the secondary account USAA and XXXX I have a fraud investigation with USAA right now I don't want to attach any documents until I am contacted
Consumer complaint received 2021-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (CO)

Roundpoint mortgage, like all mortgage companies, is required to refund my overpayment to me within 20 days of closing. They took 34 days to write and mail my overpayment check and I still havent received it 6 weeks after closing. They say I need to wait for it to come in the mail still and that they had trouble getting them out in a timely manner because of some escrow review issues they were having in house - not involving my loan specifically because I dont have my taxes and insurance escrowed. They got all the checks out late last month which is unacceptable.
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hello, Transunion refuse my requesed the indetity theft block sent to them because someone has my SSN and date of birth and I found out that she monotoring my credit score by XXXX she took my background check, home address and a lot of my personal informations from XXXX, XXXX XXXX and others. Im very afraid about myself because maybe she will trying to put me in trouble. I reported this case and at XXXX XXXX XXXX XXXX Police XXXX. My case number is XXXX. Please investigate my case and contact me if you need more proof. Cell ; XXXX
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

This is my last attempt to resolve this issue that I've been dealing with Wellsfargo for over 6 years now. In XXXX I opened up a XXXX XXXX  card with WF. In XX/XX/XXXX I enlisted in the military with an XXXX XXXX date of XX/XX/XXXX. In XX/XX/XXXX I notified WF that I was called to XXXX XXXX and that I'm invoking my rights and seeking benefits under the Service Members Civil Relief Act ( SCRA ). 

I was called to XXXX XXXX on XX/XX/XXXX. I didn't receive my first paycheck with the XXXX until about 60 days later so I was unable to make any payments to the card. The entire time I was on XXXX XXXX Wellsfargo continues to report negative late payments to the Credit Bureaus. They reported 30, 60, and 90 days late, that's XXXX, XXXX, and XXXX respectively. This has severely damaged my credit rating and my quality of life. I've made numerous attempts to solve this issue both with the credit bureaus and WF executive office Team. They have always responded that the info is accurate. This is not accurate and is a violation of the FCRA by reporting inaccurate information. 

The payment history that is being furnished to the Credit Bureaus is also inaccurate. XXXX and XXXX have no Date of First Delinquency while XXXX has a report date of XXXX. These are deceptive practices that would attempt to " re-age '' the information thus manipulating the statutory requirement and unlawfully extending it. 

Also, Wellsfargo is reporting to XXXX  that in XXXX, XXXX, and XXXX I was late and in XXXX the Account is current, and then in XXXX is Closed. This is all deceptive practices and the reporting of inaccurate information. Wellsfargo had closed the account sometime in XX/XX/XXXX and didn't give me an opportunity to bring the account current. These late payments and inaccurate information has ruined my entire life for 6 years.
Consumer complaint received 2021-05-04
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: MARINER FINANCE, LLC (PA)

I have received a copy of my credit report and it shows company MARINER FINANCE account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1500.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2021-05-04
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: Experian Information Solutions Inc. (NC)

Hello, I reviewed A copy of my credit report and it shows an account XXXX XXXX XXXX is not current with a balance of XXXX as of XX/XX/2021. This is a violation of The FDCPA if a charge off or collection account is reported with a balance.
Consumer complaint received 2021-05-04
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. (PA)

I have reviewed a copy of my credit report and I show company XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (CA)

I have a Discover Credit Card.

I have been reported by Discover for Late Payment ( Missed Payment ) to the Credit Bureau which has caused my Credit Score to drop significantly. 
I was reported to have missed two payments. 

My Due Date for the First month was XX/XX/XXXX. 
I made a payment on XX/XX/XXXX towards my balance. 
My statement date for the next billing cycle was XX/XX/XXXX. 

I was expecting that this payment will go towards my next billing due date : XX/XX/XXXX. 
However, it was not. 

Discover reported my account as having missed XXXX billing cycles. One for XXXX ( XX/XX/XXXX ) and the next one for XXXX ( XX/XX/XXXX ). 

This has caused my Credit score to drop. 

I have spoken about this to them as well.
Consumer complaint received 2020-02-27
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 applied for XXXX XXXX today XX/XX/20 and I did not get approved because of some accounts with negative payment history on my credit report. I reviewed the accounts and I came to the conclusion that none of them belong to me. I did not open any of those accounts and I did not give anyone permission to open those accounts in my name. I did not make any payments towards any of these accounts nor did I benefit anything such as money, goods, services or any other benefit as a result of these accounts that were opened on my behalf. I have already filed a police report as well as a complaint with the CFPB regarding these accounts.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (MI)

Lexisnexis refuses to correct info that's incorrect on my report. This info has been verified by progressive that i never had a coverage lapse. Their method of investigation is eoscar pertaining to disputes. The information being provided is harming my credit.
Consumer complaint received 2022-04-26
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. (NY)

On this date I found a Hard Inquiry that was made in my name for a credit card. The date was XX/XX/2022. I notified the credit card company and informed them that I did not request this credit card. They immediately closed the account.
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

On XX/XX/2023, {$2600.00} was charged to my Citi card account without my consent. Despite my repeated attempts to dispute this charge through the customer service department, I have not received a satisfactory resolution. Similarly, despite numerous attempts to resolve this issue by contacting the Department of Credit Card Dispute, I have not received any response or assistance.

Every time I called, they put me on hold for several hours and transferred the call to different departments. In my last attempt, they said that my case was closed and that I had to contact the retail store, which was outside the country. I sent two letters, but they have not responded to me.

The Transaction was made in another country, the XXXX XXXX, during a five-day Family vacation. I stayed in an all-inclusive resort and did not leave the resort. When I called to start the dispute, the customer service representative claimed that my husband 's card was the card used for the transaction. I told them that my husband hadn't used this card since we opened the account. His card during the trip to XXXX was stored in our home in the safe box. I requested the invoice or signatures for the purchase, which they have not provided. I learned that the store where the transaction was made is a hardware store. I don't own property in XXXX and we don't have family or friends that live in XXXX , there is not reason for me to have made such a large transaction.
Consumer complaint received 2022-04-26
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. (MD)

I have previously disputed this item with you ( US Bankruptcy CT MD XXXX /Reference # XXXX ) and in response you have verified this item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. ''
Consumer complaint received 2021-05-04
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. (FL)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with XXXX plus days of no response.
Consumer complaint received 2022-04-26
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. (MD)

I have previously disputed this item with you ( US Bankruptcy CT MD XXXX /Reference # XXXX ) and in response you have verified this item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. ''
Consumer complaint received 2021-05-03
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: EQUIFAX, INC. (IN)

I have filed disputes with Equifax, XXXX and XXXX regarding my report and inquiries that I did not approve. 

There is an inquiry from XXXX on XX/XX/XXXX with Equifax that I did not initiate or approve. I do not even do business with XXXX often enough to even justify a credit application. I can not contact their credit department either. 

There are 2 inquiries on my Equifax report from XXXX XXXX and from XXXX on XX/XX/XXXX that I also did not authorize. Then 2 inquiries on XXXX on XX/XX/XXXX from XXXX and XXXX XXXX XXXX  that I also did not authorize. Then on XXXX there was one from XXXX XXXX XXXX that I did not authorize. I communicated this with them and they have done nothing about these issues. I was informed of ONE credit inquiry and it turned out to be SIX inquiries which has caused so many issues. 

I have a current account with XXXX XXXX XXXX and was told they could increase my credit amount but was not informed of the inquiry that took place on XX/XX/XXXX with XXXX. I am a long standing customer and should have been informed of the correct process. Please remove. 

There is an inquiry from XXXX on XX/XX/XXXX that I did not authorize. I have no reason to have ever applied with XXXX as I live in an area where their service is not offered. Please remove. 

There is also a fraudulent account reporting to my Equifax from XXXX ... I have never done business with that company nor did I approve them to have access to my information so that is 100 % fraudulent. Please remove.