davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MN)

I have a series of 4 paid student collection accounts that have been on my Experian credit report for almost 9 years. The accounts have been appropriately removed from the XXXX and XXXX credit reports after the 7year time limit. Both XXXX and XXXX stated that XXXX XXXX XXXX reported that the debts could be removed as they were more than 7 years old. Experian instead changed the date of first delinquency date from XX/XX/XXXX to XX/XX/XXXX or XX/XX/XXXX so they could still report these accounts. I have copies of my XX/XX/XXXXand XX/XX/XXXX Experian credit report where Experian was correctly reporting the date of first delinquency for the accounts as XX/XX/XXXX and noted that the accounts would be removed in XX/XX/XXXX. When the time can to delete the accounts from credit report, Experian changed the dates so that they could keep reporting outdated collection accounts. I tried to dispute the accounts as being too old to remain on the account but Experian stated that the accounts could not be disputed. The XXXX XXXX XXXX ( the original owners of the collections ) stated that I needed to dispute this with Experian because they had reported the correct information and there was nothing they could do. This has made my only recourse to remove these collections filing a compliant with the CFPB. The accounts in question are as follows XXXX XXXX XXXX/Student LOANS - XXXX - {$4100.00} ( Original Amount ) XXXX XXXX XXXX/Student LOANS - XXXX - {$1000.00} ( Original Amount ) XXXX XXXX XXXX/Student LOANS - XXXX - {$1300.00} ( Original Amount ) XXXX XXXX XXXX/Student LOANS - XXXX - {$120.00} ( Original Amount ) Note that in the XX/XX/XXXX and XX/XX/XXXX Experian Credit Report ( attached ) shows these accounts as being collectionsXX/XX/XXXX to XX/XX/XXXX. However, in the XX/XX/XXXX Experian Credit Report the accounts have been changed to appear as been collections on in XX/XX/XXXX. This changed initiated by Experian altered the date of first delinquency so the accounts are still being reported
Consumer complaint received 2020-05-28
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. (MI)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-08-12
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. (FL)

Transunion is knowingly reporting false/inaccurate information due to identity theft on my credit report. I have been disputing with them for 4 years now and this is my last attempt before legal action. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate and Transunion is breaking the law.
Consumer complaint received 2022-10-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Equifax to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX & XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2017-09-16
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. (NC)

I CONSTANTLY CHECK MY CREDIT FILE NOW AND I LOOKED AT MY REPORT AND NOTICES A LOT OF ACCOUNTS THAT JUST POP UP ON MY CREDIT FILE ( WOW ) THESE ACCOUNT TRULY DO NOT BELONG TO ME I HAVE CONTACTED EXPERIAN IN REGARD TO THIS MATTER VIA CERTIFIED MAIL AS WELL AS NOTARIZED AND THEY STILL HAVE NOT DONE ANYTHING WOULD THIS HAVE TO DO WITH THE EXPERIAN BREACH? IF SO WHY WANT THEY HAVE SYMPATHY FOR THE CONSUMERS WHEN WE TELL THEM THE TRUTH THE CREDIT BUREAUS SUPPOSE TO PROTECT THE CONSUMERS EXPERIAN DO NOT DO ANYTHING AT ALL TO HELP THE CONSUMERS ALL IT TO THEM IS A MONEY MARKET
Consumer complaint received 2017-07-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (GA)

On XX/XX/XXXX, and XX/XX/XXXX I have requested for my loans with Navient XXXX to be placed in the Income Based Repayment Program on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX via facsimile and phone and the account still has not been placed in the program. I have now contacted them today spoke with the rep in the federal department known as XXXX and she said she is checking the account status. During this process they repeatedly asked for information regarding my employment. Because I am XXXX the only verifiable income information I have is my tax returns. This information was sent multiple times over. XXXX XXXX had no problem fixing this problem. The rep told me that they received the report but it was never processed on their end. The rep was in XXXX and told me she would send it back for review. In the meantime, I have to wait and see if this gets done by them. Please advise.
Consumer complaint received 2021-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My problem is with Band Of America. I discovered about 90 minutes ago, that I have been a victim of credit card fraud on my BOA business card. I immediately called the number on the back of the card, which upon first call said that due to high call volume, my call could not be taken at this time, and to call back later I called again, and was supposedly transferred to the fraud dept, but was actually put on hold for 16 minutes, and it did not seem like I really was on " hold '' because there was no music playing and no messages about hold time- just nothing but no sound at all. So next, I tried to log onto the website, and that would not let me on either. When I entered my usual info ( ID and password ) it would try to load ( a circle went around ) but then I would be thrown back to the sign in screen to start over, only to have the same experience! I tried another number on their website, which only led me to having to listen to an offer for a " free '' medical alert device, in which I have no interest. It never allows me to actually speak to a customer service representative! Bank of America is beginning to seem like one big fraud itself! Please help me!
Consumer complaint received 2017-09-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation (IN)

On or about XX/XX/XXXX, {$550.00} was deposited into checking account as a loan via internet loan company XXXX. The APR as a yearly rate is 781.29 %. The finance charge for the dollar amount borrowed is {$1600.00}. The total amount paid back after all payments have been made is {$2100.00}. Within a week of the deposit, XXXX XXXX XXXX contacted me by phone exposing XXXX is known for violating the state laws for monetary gain at consumer 's expense and wanted to represent me on this matter. After doing my research, I learned that XXXX did in fact violate Indiana Statute : 24-4-4.5-7-101 et seq. through excessive finance rates and fees. I further learned the legal APR for 14-days {$550.00} loan in Indiana is 10 % of the principal equaling {$55.00} in finance and fees. XXXX 's contract ask for a payment being {$180.00} every 14 days for a term of 12 payments. The lending practices for XXXX is in direct violation of the Indiana Statute requirement for payday loans.
Consumer complaint received 2021-08-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (KY)

Coinbase has locked me out of my account for approximately one month, which includes approximately {$1400.00} in my wealth. I have been locked out of this account despite filing a CFPB complaint on XX/XX/2021 ( XXXX ). 

As I mentioned in that complaint, I no longer have access to the email address on file with Coinbase ( XXXX ). The only reason I had to use that email address for my credentials is due to Coinbase erroneously trading XXXX on my account ( XXXX filed on XX/XX/201 - this error was never actually resolved, and the company blatantly lied/ignored that I did not place a trade that ended up costing me money ) and subsequently locking me out of my account when I attempted to reach customer service ( apparently attempting to contact the company is grounds for freezing accounts, which is awful customer service ). 

At this point, I can not access my account, which has implications such as : - My wealth being tied up in cash when it should and would be deployed into appreciating assets otherwise - My inability moving forward to access tax documents pertaining to realized gains/losses on Coinbase crypto trades, which will hamper my ability to accurately file taxes with the IRS At this point, I know the company is terrible - but I am asking that I once and for all get access to my own wealth. When that happens and I can move my funds off the platform, Coinbase won't have to ever hear from me again ( as I will never use this company again ). 

If I am not promptly contacted via phone ( XXXX ) or my actual, current email address ( XXXX ), I will continue filing CFPB complaints every month, I will seek legal action via class action lawsuits, and I will do everything in my power to let everyone in my network understand the issues with Coinbase ( and subsequently why they should use competitors, such as XXXX, XXXX, etc. ). 

To be abundantly clear, this means that the typical non-sense " help '' email from Coinbase to an email account I can not access is not an acceptable outcome, nor is it even a resolution in any sense of the word. 

Coinbase should be ashamed and embarrassed by the customer service deficiencies that have become glaringly obvious over the past years.
Consumer complaint received 2019-08-10
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: Garcadia Financial LLC (CA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2021-09-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NV)

At the beginning of XX/XX/2021 I bought {$1800.00} of Bitcoin at Coin Base Pro when Bitcoin was {$31000.00} per bit coin. A week later I went to transfer the Bitcoin to XXXX, because they have lower commissions. When I requested a transfer of my bitcoin to XXXX Coin Base refused to do it and froze me out of my account. For the last 3 months I've sent in my driver 's license and a selfie as requested about every week now for 3 months and they do nothing, but do admit each time that they've received my drivers ' license. I keep emailing them to ask why they insist on stealing my money, but they keep responding week after week that they're looking into to it, and it's been over 3 months now. I've been finding out that Coin Base a public company has done this to many people to steal their money. A lawyer recommended that I get all of these people and start a class action law suit. Please don't allow Coin Base to steal my money.
Consumer complaint received 2021-09-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RGS Financial, Inc. (DE)

I received a notice from XXXX that a new debt placed on my reports. I looked it up and checked my mail. I never received a notice via mail or otherwise in reference to this debt from the,. I disputed this debt with another company and it was removed from my report. Now it has been placed on their again by another company. I am officially disputing agin.
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. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 
I have already disputed the items with the bureaus on XX/XX/2022 but the bureaus did not remove them, nor prove validation. 
Under Sec. 602 FCRA " I have a right to privacy '' XXXXXXXX XXXX Account # XXXX XXXX Account # XXXX
Consumer complaint received 2022-10-08
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: Grow Credit Inc (CO)

Accordance with the Fair reporting act this creditor has violated my rights. Under 15 usc 1681 section 2 states I have the right for privacy. USC 1681 section 604a a consumer reporting agency can not furnish an account without my written instructions. Under uscs 1666b a creditor can not treat treat a payment on a credit card account under an open consumer account open end as late for any purpose.
Consumer complaint received 2021-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NY)

I paid off my mortgage in XX/XX/2021. The mortgage processing company ( Dovenmuehle Mortgage ) sent me a letter confirming that my mortgage had been paid in full. Recently I put my home ( a small mixed use building ) up for sale and discovered that the mortgage company had not sent this information to my municipality. For more than a month I pleaded with the mortgage company to send the information to the municipality. 
The buyer of my property had concerns about this issue and walked away. I now have a new buyer and again have worked for several weeks attempting to have the mortgage processing company submit the documents. I have been told repeatedly that all paperwork is complete and simply needs the signature of the VP at the mortgage company. Out of desperation I have even written to the CEO ( XXXX XXXX ) of the company, but have gotten nowhere.
Consumer complaint received 2021-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Transunion and XXXX ignore my letters disputing a hard Inquary from XXXX XXXX XXXX. I write them 2 letters each in the pass 6 months they never respond and XXXX XXXXXXXX hangs up on me when I call there company
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)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated immediately : 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 XXXXXXXX
Consumer complaint received 2017-09-16
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: Experian Information Solutions Inc. (PA)

I applied for a credit card from XXXX XXXX on XXXX/XXXX/XXXX. Experian gave them my credit score of XXXX ; which made the APR 24.99 %. I always check my credit scores at the end of every month. TransUnion ( XXXX excellent ) & XXXX ( XXXX Good ). I 'm unable to check Experian 's because they charge a fee ; however I can check it on my credit card statement. I want to know why there is a 70 difference between the three credit report agencies. 

I have worked hard to build and maintain good credit worthiness ; and a credit reporting agency can destroy it by reporting negative information. On XXXX/XXXX/XXXX, I contacted XXXX XXXX and they directed me to Experian. Contacted Experian and was told that they would send me a copy of my credit report. I went on line and got my report and there was nothing on it to give me a LOW SCORE. 

Someone needs to investigate why credit bureaus can do or say whatever they want to about a person that can destroy their credit worthiness. 

PLEASE SEE ATTACHED DOCUMENTS. I will be mailing a hard copy of my dispute/complaint to Experian, XXXX XXXX XXXX XXXX, XXXX, TX XXXX - per the internet.
Consumer complaint received 2017-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN PORTIFOLIO MORTGAGE (FL)

I have a fixed rate mortgage with American Portfolio Mortgage Corporation. My fixed payment including XXXX is {$800.00}. The company is claiming they paid me too much out of my escrow reimbursement and withdrew {$1300.00} out of my checking account without my authorization. I called my bank immediately and disputed the charge and had it reversed. Then the mortgage company sends me a letter saying I owe them {$1400.00} as my next monthly payment and are trying to charge me a late fee and an NSF fee. My funds were not insufficient and the payment was on auto pay and was not late. They were not authorized to take any amount other than the {$800.00} agreed upon in my mortgage contract. I feel this is fraud and bullying and I 'm not going to tolerate it. If they want to provide proof that they overpaid my escrow and a full accounting of all my loan payments and it all checks out I 'd be willing to set up a payment plan with them to pay back their error but to take out almost double of my mortgage payment would have put me in a terrible financial position.
Consumer complaint received 2023-01-11
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. (MD)

This is the several time I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any item that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


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 2022-10-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-09-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (MI)

My regular monthly payment amount is XXXX. I make partial payments every two weeks instead of monthly. The payment amounts range from {$170.00} to XXXX every two weeks. I called the company to have the extra that i pay applied to the principal owed not principal and interest. Which i am within my rights to do. They told me that their system would not allow this. I want this addressed.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated immediately 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