davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-12
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)

It's challenging enough when your identity has been compromised, but for the credit reporting agencies to continue to report unverified accounts then it becomes an legal issue. I was either told that my previous disputes where verified or they didn't respond at all. However, no account has been properly verified because I never recieved the requested hard copy of documentation for neither disputed account. The credit reporting agencies would say that yes the accounts been verified, however as a general rule of law electronic Verification can not be accepted as proof. Exactly what Method of Verification was used?, who spoken with whom?, what date and time did this investigation take place? Now if you can not provide me with this information then as a consumer I'm demanding that these accounts be blocked immediately from my credit files. 
Accounts to be removed. 
1 ) XXXX {$72.00} 2 ) XXXX {$71.00} 3 ) XXXX XXXX   {$130.00} 4 ) XXXX XXXX XXXX {$30.00} 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX {$680.00} 7 ) XXXX XXXX XXXX {$140.00} 8 ) XXXX XXXX XXXX {$350.00} 9 ) XXXX XXXX XXXX   {$5700.00} 10 ) XXXX XXXX XXXX XXXX {$3800.00}
Consumer complaint received 2017-12-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (FL)

I would file an official complaint with Freedom Mortgage and the underwriter that handled the loan for my wife XXXX XXXX. The underwriter was sending last minute requests close to the end of each business day that involved my business and also my wife. 

We felt the requests were very repetitive and we had already provided the documentation to the underwriter for Freedom Mortgage through tax returns and bank statements. Only to have the information requested again delaying our closing and costing us more money in the long run.

We were asked at the last minute to provide a letter explaining why were downsizing our home when if fact the home is 200 square feet larger than our previous home. We asked several times what is all the information that Freedom Mortgage and the Underwriter needs in now. From our perspective the underwriter kept taking their time asking for requests several days over several weeks as to at the beginning of the process. 

Then I received a letter from XXXX XXXX the Sr. Vice President of Customer Service at Freedom Mortgage that did not address all of our concerns and issues with the underwriter and this unpleasant experience. I left her a voice message 5 days ago to address the concerns and issues not addressed in the letter sent to me without a response to date. 

I want to know if this is an ongoing practice by Freedom Mortgage and were we profiled for some reason resulting in a form of discrimination being as though we were putting close to 30 % down payment on the mortgage which is not the norm for owner occupied homes.
Consumer complaint received 2018-01-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (MA)

I had an issue with Coinbase about XXXX, 2017. I received an email from them and when I opened it in my internet browser the login and password fields were populated with my login and password. I thought the problem was theirs so I called and put in a support claim. They immediately deactivated my account for security reasons. I subsequently realized that it was my internet browser that populated those fields in their email. I contacted them, explained the problem and how I felt it happened and was fairly sure the problem was on my end. I readjusted my browser settings immediately. It has now been more than six weeks and they still have not reactivated my account. After several calls and emails I still receive no indication they are addressing the problem. I ca n't log into my account. I do n't even know what the balance is. Their customer support hotline would not even connect you with someone to talk to. It just told you to try again later and then disconnected you. I would appreciate your hellp.
Consumer complaint received 2017-12-02
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. (PA)

I have disputed the following with all three CRA 's with a dispute reason of " contract cancelled '' notating " no contract '' from XXXX-2017 forward. The accounts were never verified or validated by the CRA 's and no additional information was provided. 

The contracts were cancelled with the creditor and I did not sign any contract with the collection agency that they sold the account to making my liability with the collection agency null and void. 

XXXX- {$310.00} XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX- {$60.00}
Consumer complaint received 2017-12-02
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. (FL)

When trying to built credit you apply for a car loan. Each dealer you go to sends out inquirery to sends it to several credit agencies. The result = each credit reporting agency penalizes you 2 points for each inquiry. You now have a lesser score after trying to built your score. This tactic is working agains you. I had a XXXX and ended up without a loan and a XXXX score. This is hurting people from fixing their credit. End this practice. 
I now can not get any credit because of my credit score. So, how a my supposed to built credit when I can not get it to begin with? Its a catch 22. 
Also, every credit card company that gives you a credit score shows you a different credit score than the credit agency. Its not uniformed.
Consumer complaint received 2017-12-02
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (FL)

On XXXX XXXX, XXXX I received a letter in the mail from Synchrony Bank stating that they have lowered my XXXX credit line to {$4300.00} from {$7000.00}. The balance owed on this credit card was {$4100.00}. I find it no coincidence that my credit line was lowered almost to exactly what I owe on the card. I have had this card since XXXX with a few late payments but overall no major problems. 

On XXXX XXXX, XXXX I received a letter in the mail from Synchrony Bank stating that they have lowered XXXX XXXX my credit line to {$100.00} from {$2600.00}. The balance owed on this card was {$0.00}. I have had this card since XXXX with a few late payments but overall no major problems. 

Upon checking my credit report I have also found that Synchrony Bank closed my account with XXXX XXXX XXXX. The balance owed on this card was {$0.00}. 

I have contacted the bank to find out why they are lowering and closing all of my accounts. They have stated a review of my account has resulted in lowered credit lines essentially due to bad credit. 

Two of those accounts I owed nothing on and I have made the majority of my payments on time - when I have not, I have paid the late fees they have in place. Synchrony bank is destroying my credit further by lowering credit lines and closing accounts. I would like to know why after XXXX + years they have suddenly decided they do not want me as a customer anymore. What prompted them to hurt my credit score further and tell me they are doing so because my credit is bad. That makes absolutely no sense. 

Obviously I am beyond angry as my wife and I are trying to build/repair credit in order to buy a home for our family in the near future. Please do not tell me my credit is bad and turn around and make it even worse. This seems beyond unethical especially since my accounts were all in good standing. 

I would like explanation for this and to have all of my accounts reinstated. As well as any damage done to my credit report reversed.
Consumer complaint received 2017-08-20
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Blackhawk Network Holdings Inc. (TX)

I got the XXXX corporate rewards ( XXXX points = {$250.00} ) card and I lost it in XXXX 2017. I called XXXX then to send me a replacement card immediately in XXXX 2017. I never received the replacement card and i forgot to follow-up on this request. I called the same number today and they are telling me that card expired in XXXX 2017 and there is XXXX balance on it. This is unfair because they did n't send me the replacement card and now it expired. Did they wait for the card to expire so that i dont get any money back? It is {$250.00}!
Consumer complaint received 2016-10-20
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My debit card had an unauthorized charge by XXXX which caused the account to go negative. Bank of America immediately hit me with a overdraft fee. First I called XXXX, their customer service people quickly admitted the error and issued a refund which would take 2-3 days to process. I then called Bank of America, they said they would n't do anything until all the transactions posted then they would refund the overdraft fee and remove it from my records. So I waited until then, I have since called them three times, once I was on hold for so long I gave up, the 2nd time I kept getting bounced around different people. One dept says since it was n't technically a fraudulent charge they ca n't do anything, another dept says they ca n't do anything because they state that this in fact a fraudulent charge and the other dept needs to issue the credit. The 3rd time I was hung up on by the employee.
Consumer complaint received 2022-01-06
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. (MD)

On XX/XX/2021, I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to Experian, XXXX and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 
I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.
Consumer complaint received 2020-04-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (DC)

I was trying to purchase two things cats online from a breeder the name of the breeder is XXXX XXXX XXXX XXXX no spaces in between, the name the person gave me to send it to was XXXX XXXX the phone number that was connected to the text was XXXX XXXX I was told located in Arizona the address that I was given so I could send a wire was XXXX XXXX XXXX XXXX XXXX AZ XXXX The bank account wire they wanted me to send the money to was XXXX to XXXX XXXX routing number XXXX account number XXXX I sent through XXXX one amount of XXXX would not let me send anymore so they kept giving me different name and addresses to send it to the next day I said another XXXX they complained that they couldnt get the remaining amount {$250.00} at that time I became suspicious and called my bank and try to get the money back my bank is telling me that they have no fault on their side and wont get my money back question who should I speak to if I cant get help here My phone number is XXXX text me if you like or call me at anytime my email is XXXX Wells Fargo bank XXXX XXXX  XXXX XXXX XXXX, CA XXXX the number they gave me to call is XXXX claim number XXXX And claim number XXXX
Consumer complaint received 2017-12-03
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. (LA)

I contacted Equifax and XXXX during the week of XXXX XXXX, XXXX thru XXXX XXXX, XXXX. I called in reference to inquries that i had not appointed. I told the represenative that knowing what my current credit status there was no reason for me to be applying for credit. The only reason by law for my credit to be checked is : In response to a court order or federal grand jury subpoena ; To manage the risk of current or potential credit or insurance accounts that were initiated by you ; for employment purposes, with your written permission ; for the purposes of a potential investor assessing the risk of a current obligation ; in connection with your application for a license or other benefit granted by the government, when consideration of financial responsibility is required by law ; in connection with a business transaction initiated by you ; in connection with a child support determination, under certain circumstances ; in connection with a credit or insurance transaction not initiated by you, when a firm offer of credit or insurance is extended, and certain other restrictions are met. 

None of these inquiries fall into those categories. I am asking for immediate removal of these inquiries from my credit report.
Consumer complaint received 2019-05-12
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)

There's errors reporting on my credit report from misrepresented data in light of the three ( 3 ) major credit bureaus and their faulty verification system. I was told that these accounts inwhich I'm disputing, ( # 1 ) XXXX {$940.00}, ( # 2 ) XXXX XXXX XXXX, and ( # 3 ) XXXX XXXX XXXX {$1000.00}, all been verified. However, as a general rule of law electronic Verification can not be accepted as proof of any sort. Therefore, I'm demanding physical documentation and a Method of Verification used in this investigation process, or as stated within the FCRA these accounts shall be removed immediately and permanently. As a consumer and a victim I have the right to know inwhom your company representative spoke with, name, title, day, date, and by what means of communication. Please provide me with all the above or as stated within Section 609, block these accounts immediately.
Consumer complaint received 2018-06-09
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: EQUIFAX, INC. (MD)

I submitted a dispute on an item through the Equifax online option. I received information that the investigation was completed and for me to check the results online. I have attempted to review the results on numerous occasions. The Equifax system advise that they can not confirm my information. This is a standard practice with Equifax with not allowing me access to credit file and or investigation results.
Consumer complaint received 2018-01-09
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. (NY)

On XXXX XXXX 2017 a medical debt has been placed on my credit report. I have contacted the company and they are not understanding the 180 days before medical bills can be place on a credit file. Since it has not been 180 days I would like this removed from my credit report. I have contacted my insurance company and they working to fix the issue. The bill should have been paid by my insurnace. Please removed this from my credit report. 
Thank You, XXXX
Consumer complaint received 2018-01-09
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. (NY)

On XXXX XXXX 2017 a medical debt has been placed on my credit report. I have contacted the company and they are not understanding the 180 days before medical bills can be place on a credit file. Since it has not been 180 days I would like this removed from my credit report. I have contacted my insurance company and they working to fix the issue. The bill should have been paid by my insurnace. Please removed this from my credit report. 
Thank You, XXXX
Consumer complaint received 2017-12-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NC)

On XXXX of XXXX, I was first informed in my being a party to a class action law suite against Wells Fargo Home Mortgage for " Inspection Settlement Notice '' ; on the matter of Wells Fargo periodically ordered property inspections and appraisals and charged the fees back to the homeowner without the homeowner knowledge or consent, once the homeowner became 45 days delinquent in mortgage payments. In XXXX of XXXX, I received another notice of my being a party to another Wells Fargo class action law suite for : auto dialing customer without the customer consent or agreement during inappropriate times during the course of a mortgage workout. Being I was involved in two class action law suite against Wells Fargo Home Mortgage, I continued to respond to both claims as documents were sent out to me, providing all required documentations for each claim before the deadline that was noted. 

In the matter of the auto-dialing class action law suite I was compensated as promise. In the matter of Wells Fargo Home Mortgage " Inspection Settlement Notice '', I have had an extremely difficult time getting my account history with the appropriate transactions documented listing all 30 transactions of unauthorized drive-by home inspections and 1 unauthorized appraisal for XXXX XXXX. I started requesting my account history on XXXX XXXX, XXXX ; I received these documents XXXX XXXX, XXXX listing a total of 17 home inspections transactions and no appraisal was listed. Although I continued to address this matter with the Offices of the Bank, Assistant Administrator of Wells Fargo Home Mortgage, I submitted these documents listing 17 unauthorized home inspections on XXXX XXXX, XXXX. 
I address and submitted appropriate documents within the time frame allowed to the listed agency, before any deadline occurred in XXXX and XXXX. Because I had not received a response to my multiple inquiries by the listed agency collecting documentation nor by Wells Fargo Home Mortgage on the status of my claim settlement amount ; on XXXX XXXX, XXXX I begun addressing my concerns with the listed assignies. As of to-date, I have not received any communication response from Wells Fargo Home Mortgage nor from the agency responsible for collecting documents to my many inquiries. The listed agency responsible for collecting documents perusing the " Inspection Settlement Notice '' class action law suite have stop updating the outgoing message with information as to were anyone can be reached for further investigation. I also, have not been compensated in any manor for this class action law suite on any of the 17 unauthorized home inspection incidents charged back to my account without my knowledge or consent to agreement.
Consumer complaint received 2019-11-07
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Resurgent Capital Services L.P. (GA)

In the spring of 2018, i had a XXXX  balance with XXXX, i had paid off the entire bill, when i received a check from XXXX in the amount of abour {$130.00}, i then called XXXX XXXX customer service and inquired about the reason for the check and should i cash it, they assured me that i had overpaid and hat i had received the check because my account had a credit balance. I cashed the check and the next month i received a bill for the amount that the check had been plus interests and finance charges, i called and was told i should not have cashed the check, that a mistake had been made, i tried to reason with hem and reported that i had called before cashing the check with no results. The amount now has gone up to about {$370.00} because of interest and finance charges. This was not because of a purchase i made but all stemmed from a check that they erroneously sent to me. From a {$130.00} check they sent to me to now to {$370.00}. It has now been put on my credit report, lowering my credit score so that i can not qualify for any loans or anything. 

The XXXX account # wasXXXX XXXX XXXX XXXX financed through XXXX XXXX. The account was turned over to LVNV Financial, LLC C/O Resurgent Capital Services XXXX  XXXX XXXX, SC XXXX, Phone # XXXX for collections and this is on my credit report. This all originated from XXXX  XXXX/XXXX   XXXX  XXXX XXXX, FL XXXX.
Consumer complaint received 2017-08-10
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: EQUIFAX, INC. (GA)

I attempted to speak to a XXXX customer service rep and they would not help and take care of the negative inquiries reporting to my credit report. The inquires are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-02
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. (MD)

As an identity theft victim, I followed all of the necessary steps according to the FTC as well as all three agencies, XXXX, XXXX and TransUnion and to date, I have yet to have a positive resolution to my concerns. The specific concern is that I have submitted all of the documentation and they have yet to remove the several items ( including fraudulent accounts with XXXX XXXX Credit Card, XXXX XXXX XXXX Credit Card, XXXX XXXX   Credit Card and multiple inquiries. Further, the amounts of two car loans are incorrect and they need to be updated to the proper amounts.