davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-09
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (NV)

I sold my home last XXXX and sold at a profit. XXXX XXXX transferred this loan to Specialized Loan Servicing. When I sold my home XXXX XXXX reported as Paid XXXX Balance. Specialized Loan Servicing reported as a Paid Foreclosure. I am trying to purchase a new home and my lender can not get a DU approval due to the way they reported. XXXX XXXX has done a conference call with me and Specialized Loan Care and they changed the reporting on a Credit Supplement as Paid Loan. I let them know that needed a letter on their letterhead to be sent to me so that I could get this change made by the Bureau 's. They refused to send me a letter. They have told me that they will make this change but as of today I have not been able to obtain evidence of this. I have been working on this for over a month and have not really received much help. I feel as though they are stringing me along. I have the credit supplement that shows they agreed to the change but still have no guarantee that they will follow through to the Bureaus. 
I called XX/XX/XXXX, XXXX again XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX 2 x and Spoke with XXXX XXXX  and SLS together XX/XX/XXXX, XXXX & XX/XX/XXXX.
Consumer complaint received 2022-04-06
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. (PA)

There was a student loan from the lender " XXXX XXXX '' opened in my name. I did not authorize this and, would like to report these accounts as fraud. The information shown on my credit report is inaccurate. 

The following accounts show up on all 3 credit bureau 's and is listed below in this complaint. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (OH)

I attempted to purchase a dog through XXXX. I was prompted to pay {$800.00} through XXXX by Chase Bank, and the dog would be shipped the following Monday. I paid this amount ( {$800.00} ) on Saturday, XX/XX/2020 to XXXX XXXX. This dog breeding website turned out to be a scam and I did not receive the dog I paid for. I attempted to cancel the transaction on Monday evening, XX/XX/2020, as my account said the transaction was still pending. I was told by the representative that the transaction had been approved and the money was deposited into a non-Chase bank account. The representative told me the only thing I could do at that point was to file a police report for the stolen money.
Consumer complaint received 2018-09-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (IN)

I purchased a XXXX prepaid card on XX/XX/XXXX2018 and was told at register after I loaded {$230.00} onto it would be immediately available for use. I went outside tried to activate the card and it keeps declining do to identity verify. I tried to return it right away within 10 min of purchase without even leaving their parking lot on XX/XX/XXXX2018 as I couldnt use it and was denied do to it being a prepaid card. I called XXXX card the same day setup a pin and gave my information they said they couldnt verify all I would need to email them color copies of my ID, front + back of the prepaid card and copy of the receipt before would be activated to incomms email they gave me. I sent in the documents as they requested onXX/XX/XXXX2018z When I call them today XX/XX/XXXX2018 to see if it has been completed Im told they want color copy of my social security card now emailed to them. I dont feel comfortable emailing them all my personal information they are now requesting I shouldnt have to provide. Ive already provided my state issued identification and proof of address and Purchase of the card. I simply asked to get a refund sent to my address shown on my Id with the receipts and proof of card purchase. They are denying me access to my funds which I have proved are mine and have receipts for everything. This is not fair for them to take my money and hold it hostage while failing to give me reasonable option to release. I want my money returned to me.
Consumer complaint received 2023-01-31
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: CITIBANK, N.A. (NV)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-07-20
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. (MS)

I was not working during XX/XX/XXXX until end of year. I didnt receive unemployment. I never received information about my student loan payment being due. My Navient student loan went into 90 days past due. Per the government, government owned student loans were suppose to automatically been Suspended from XX/XX/XXXX until XX/XX/XXXX. I was recently already in forbearance but navient put be past due when payments where supposed to been suspended. My XXXX XXXX student loans were suspended during this time period. Why was I charged and put into default XXXX late ) when the government postponed payments during this time! Even though my loan was in forbearance it didnt automatically go into administrative Forbearance that is mentioned on Navient website.
Consumer complaint received 2019-11-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Circle Internet Financial ()

On XXXX XXXX, 2019 XXXX Price Crash Triggers XXXX BTC  Loss on Poloniex. 

On XXXX XXXX, 2019 Poloniex seize the principal of all Bitcoin lenders 16.202 %. when XXXX crash happened. In my opinion, this is unfair seize for all lenders. I have 3 main reasons below. 

Fisrt of all, the truth is all BTC loans on Poloniex are lent in peer-to-peer margin lending. They had changed their rules suddenly when XXXX crash happened. Poloniex gave the reason to lenders is " All BTC loans on Poloniex are lent in a common pool that is shared across all markets and borrowers '', which is not true. They had just changed overnight for their own win in this situations. 

Second, Poloniex system is flawed and don't have proper automatic liquidations in their margin system. Moreover, Poloniex had allowed XXXX can margin trade by not having a proper liquidation system for XXXX/BTC pair. It was Poloniex fault, not lenders. 

Third, Poloniex said that XXXX BTC loss in the Poloniex XXXX lending pool. ( assuming that it's pool. ) But there is no evidence to prove that XXXX BTC is real loss by lenders. While they had got XXXX BTC  from lenders already. 

In conclusion, I would like to get my BTC back.
Consumer complaint received 2020-07-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (CA)

Hey there I received notification of late payment and derogatory mark on all of my credit reports ( XXXX, XXXX, and XXXX  ). I had no prior knowledge of this as i paid my co pays at doctors office for these test, i was never made aware that i owed money or that the insurance didnt cover the lab work.
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Conn's, Inc. (AZ)

This XXXX XXXX XXXX ... store that allows people to finance on ok credit is continuously submitting an inquiry into my credit and I have not authorized this. 
I applied once and they did the inquiry. I accepted that and never went back. Why are they still submitting inquiries on me. It is unauthorized Conns furniture XXXX Arizona
Consumer complaint received 2018-09-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (NC)

On XX/XX/XXXX I submitted a complaint with CFPB to contact Sequium Asset Solutions. I never received written documentation of my debt or how to pay or my rights. According to the complaint, Sequim updated my contact information, but they never sent me any information via US mail. They also provided a number in which I contacted numerous times and left messages. The company refuses to work toward a resolution of my debt or getting this removed from my credit. I require WRITTEN documentation via US mail before I'm willing to pay the debt. Sequim has my information and can easily send it to me and I will pay the debt. They have not done so and it has been over a month at this point and is why I'm filling an additional complaint.
Consumer complaint received 2018-09-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (MO)

On XX/XX/XXXX I spoke with XXXX XXXX at Quicken Loans to go through with an application process ( since we had an accepted contract for home purchase ). She advised me that they would deduct {$500.00} from my bank account via debit for the appraisal that would come off closing costs. I agreed to all of this and she then sent me to XXXX XXXX. At XXXX on XX/XX/XXXX, I sent XXXX a text message stating that I no longer wished to continue my loan process with them, that I wanted to utilize a local lender and to cancel any appraisal that could be in the works ( although this was all the same day ). On Monday XX/XX/XXXX, {$500.00} was withdrawn from my account. I emailed both XXXX and XXXX and stated that I'd like that money refunded and my loan withdrawn. That I contacted them on Friday and ultimately they never should have taken the money. XXXX told me that she would cancel and refund me. On Wednesday XX/XX/XXXX, my current loan company told me that my loan was still in process with Quicken and that they needed to withdraw a specific loan number for them to be able to continue. XXXX was out of the office, so I spoke with a XXXX XXXX. He kept asking me why I wanted to cancel since all my paperwork was already submitted and switching now could jeapordize my close date. I stated that at this point, I wouldn't do business with their company just because of the way they do business. If I say cancel, I mean cancel. It shouldn't be that hard. He told me that he'd cancel and I'd be refunded minus any 3rd party fees. That same evening ( XX/XX/XXXX ) I received an email from Quicken to check out my appraisal. So now I know that I'm not going to be refunded since they had the appraisal done. Although I did tell XXXX that I shouldn't be on the hook for an appraisal they ordered after I'd withdrawn my consent. - This is a FHA appraisal, and I'm going with a conventional loan, so this appraisal doesn't do me any good. I can't use it. Nor should I have to be responsible for an appraisal dated XX/XX/XXXX when I canceled on XX/XX/XXXX. I reached out after I received the appraisal to XXXX and XXXX stating that I still wished to be refunded and wanted the names/contact information to supervisors/managers. They will not give me any other contact information but XXXX did state that she was under the impression that my loan was withdrawn and I was to be refunded per our XX/XX/XXXX conversation. I am not sure who else to contact to resolve this issue, but I want to be refunded from this predatory lender who doesn't do whats asked of them. Thank you for your help with this.
Consumer complaint received 2017-10-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

This letter is to notify you that I no longer am disputing this account and that the balance of this account should reflect a zero balance on my credit report. 

I paid this account directly to XXXX XXXX over a month ago. I am in the process of getting a mortgage and this account is holding me back from getting approved.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

I applied for a loan yesterday and was told a delinquent account with USAA existed which dropped my score from XXXX to XXXX! The lender says all 3 bureaus ( XXXX, XXXX and XXXX ) have the delinquent account listed. I have never opened an account with USAA. I called USAA in XX/XX/2022 and the rep stated they didn't have me as an accountholder at all. After that call, I contacted XXXX to dispute the account and it was removed. Then in XX/XX/2022 I reviewed my credit file and it appeared again. I'm a retired XXXX veteran and senior with a fixed income who takes pride in my credit rating and should not have to continue to call and email to remove this erroneous account which is negatively impacted me. Please help.
Consumer complaint received 2020-08-20
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. (KS)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 
Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Remove inaccurate mailing address! 15 USC 1681a D stats : automated reinvestigation system Any consumer reporting agency that compiles and maintains files on consumers on a XXXX  basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies and 15 u.s.c section 604 A section 2 : states consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (MD)

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( XXXX XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Consumer complaint received 2020-07-09
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

on XX/XX/XXXX i received two paper notices in the mail that capital one was closing my XXXX XXXX and XXXX XXXX Credit cards due to some type of violation of their policy with either one or more of my accounts. I called the accounts review department and requested to know exactly why my accounts were being closed and was advised that it could be due to 1. returned payments or 2. too many late payments on this or any other of my credit card accounts. I advised the call center rep that i have not had any returned payments on this account or any other accounts nor have i had any late payments on any accounts, i informed the rep that actually my credit is in better condition now then it was when i first obtained the cards last year in XXXX. I was told that i could not be given any definitive information about why my cards were being closed and that i could reapply if i liked. I also asked what would show on my credit report and would the information be something that would negatively effect my account and i was told by the representative named XXXX that he did not know. I asked to speak to his supervisor and was informed again that the supervisor did not know and there was noone around who could assist me with getting any answers to my questions. I violated none of the capital one credit card holder policies and my accounts either need to be reinstated or i need a detailed reason why my accounts were closed. I have paid my accounts on time and used the cards as needed, I understand one of the creditors is going bankrupt but it seems fraudulent to close an account with perfect payment status on it.
Consumer complaint received 2020-07-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (MD)

Midland Credit Management has sent out letters to collect a debt in the amount of {$4700.00} for XXXX XXXX but I didn't authorize nor give consent for Midland Credit Management to have my personal or private information. While attempting to collect a debt that they aren't authorized to collect they used obscene and profane language and threatened to sue to me. They have damaged my reputation via my credit profile, caused me to miss opportunity for business growth. Due to this they have caused major stress in my family as well as my life. They have violated my federally protected consumer rights.
Consumer complaint received 2019-11-05
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

My credit card company Capital One is not resolving a dispute I have with a merchant. In XXXX of 2019 I made a reservation with a company called XXXX XXXX XXXX to stay at the XXXX XXXX XXXX XXXX for XXXX XXXX. The company charged my capital one credit card {$490.00}. In XXXX of 2019 XXXX XXXX XXXX emailed me and stated that their company is closing and that I needed to contact my credit card company for a refund. The company could not be reached. I reached out directly to the XXXX XXXX XXXX XXXX who confirmed that the reservation had in fact been canceled and they did not receive payment for the room from XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX reserved a room on a NEW reservation and I payed the XXXX XXXX XXXX XXXX   DIRECTLY for a stay at their hotel on XXXX XXXX. In XX/XX/2019 I submitted a dispute on the transaction from XXXX XXXX XXXX with Capital One. Capital One received my complaint and assured me that the case was very simple and that they would contact me if they needed further information. I received a letter in the mail from Capital one around XXXX stating that Capital One had not heard from the merchant and they considered the dispute closed. On XX/XX/XXXX I checked my capital one credit card and saw that the company had reversed the transaction of refunding my {$490.00}. I called Capital One to inquire and they stated that XXXX XXXX XXXX had provided the receipt from the transaction where I was originally charged claiming that was proof that I had stayed in the hotel. After being provided the information to Capital One to send them my documentation proof ( which they had refused in the past to provide me stating they did not need my documentation ) I sent all of my documentation- including statements from the XXXX XXXX XXXX XXXX of the cancellation from XXXX XXXX XXXX, my rebooking confirmation, the statements FROM CAPITAL ONE showing that I had been charged by both Hotels for Everyone and the XXXX XXXX XXXX XXXX for the exact same stay from XXXX XXXX, 2019 and several other pieces of proof making it very obvious that this company defrauded me. Capital One has now had this documentation since XX/XX/XXXX and I have called them repeatedly asking about the status of the dispute. I have constantly been told that " the back office is working on it '' and was assured that there would be some status as to my dispute by XX/XX/XXXX ( obviously not ). The company will not remove the transaction from my credit card and it is currently accruing interest. This is a very clear cut case of a company defrauding their customer. Capital One needs to remove this transaction from my credit card in accordance with the Fair Credit Reporting Act. I am happy to provide all the documentation I provided them.
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Collins Asset Group, LLC (TX)

I financed a XXXX XXXX XXXX with XXXX XXXX XXXX on XX/XX/XXXX and defaulted on the loan and it was repossesed XX/XX/XXXX. 
However, XXXX is charged off {$21000.00} and written off the account as well as listed it on my credit report until XXXX. 

XXXX then also sold the account to Collins Asset Group XX/XX/XXXX and they are reporting {$10000.00} past due as of current. Collins Asset Group is also reporting on my report until a different date which will be removed in XX/XX/XXXX. My issue is that both are listed on my account twice for one vehicle and fall of each on different years. Collins A. G. is also reporting inaccurate information in regards to whom the original creditor was..Collins is reporting that I owe XXXX as the original creditor, when in fact XXXX is the original creditor. I hold copies of any information that has been included to support my complaint and or findings. NOTE* This has made my life horrible, I am unable to obtain a better quality of life because of incorrect and wrong information as well as how many different accounts are listed for 1 vehicle.