davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 

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 2020-05-01
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. (CA)

I am in receipt of a current credit report of which questionably suggests that I now or in past have owed you something, yet there is nothing that substantiates your reporting or claim thereof so I demand that you dismiss all claims and eradicate any injurious reporting ( s ) versus me, particularly if currently reported item ( s ) are potentially deficient of the mandatory document evidence of physically verified factual proof of the truth of claim, truth of reporting, accuracy of claim, correctness of reporting, completeness of claim, fullness of reporting, timeliness of claim, timeliness of reporting, ownership or responsibility elsewise of claim, ownership or responsibility else wise of the reporting, and or the complete and perfect certified XXXX XXXX format reporting standard ( s ). I demand that you display to me your lawful authority to forcibly conduct business with any contesting consumer much less me! Particularly removed is your right to act in dereliction as you hold me under threat of financial and or creditworthiness injury ( ies ). I here now DEMAND that if you are unwilling or unable to do as requested, as demanded, and as otherwise mandatory to retain or regain compliance of reporting no later than 20 days from your receipt of this lawful notice of consumer complaint that you immediately and forevermore thereafter cease any and all derogatory and or injurious actions versus me, to include but not limited to the foul actions to report and or collect unverified, untrue, invalid, or else wise not certifiably compliant claim ( s ) and or debt ( s ). Let it be in clarity that I am well aware of the FACT that absent legal authority or a written agreement between us that you can not force me to conduct any business interaction ( s ) with you and I will NOT! Certainly if you elect still to injure me, even to the slightest, it undoubtedly would be a show of merciless harassment or even willful extortion, a CRIMINAL OFFENSE in my state of residence! Any such behavior will directly or indirectly lead me to act accordingly, so please rectify your chicanery-laden subterfuge as alleged on my current consumer credit profile history by eradication and or removal from reporting the delinquently reported item ( s )
Consumer complaint received 2021-08-13
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (PA)

when i log into account it has untrue or confusing information. I have been having a one sided conversation with this company for months now but somehow ive been put into this modification denial appeal phase and i dont know that even happened cause I didn't even know this was taking place until i read the letter they provided as a enclosure for the last complaint that was closed. So im to just give my information again to pay the extra interest that was incurred for stupidity and misinformation. Where was this foresight and proactiveness in XXXX XXXX AND XX/XX/ when documents were lost or " not received '' when income was counted when it was convey to officers in your company that the income wasn't supposed to be counted. So now we have Mr cooper all of a sudden looking out for the little guy yet while you're while conducting your investigation, youre ignoring my emails that you see daily and also while complying with all things federal you have time to have a third party contact me cause you cant get a hold of me but yet you confirm you get my emails. Very interesting logic. i didnt read anywhere in my contract where it said things liek this can take place the servicer can whip up a modification for the mortgagee without consent and its all in the spirit of good faith. Why wasnt this conducted in XXXX  when i was thousands less in the whole. after all the medical bills i shown you for my wife or after you had your financial disclosures that showed the amount of my XXXX that i exhausted sending the majority to you ( i paid two payments of XXXX XXXX XXXX ) come to you with first payment default not even a default i was just behind you lie said i needed to be delinquent to be considered i wait that period then get rejected cause of timely filing which was bogus and wasted time casue the ENTIRE time im struggling with the health of my wife and tryign to look for a job and im begging fo a letter or something i can show a perspective employer to show im working on the issue since i work in finance NOTHING then you us the fact that i didnt have income at the time to justify the reason why you lost my paperwork in the first place then when i get back on my feet and get a job you're continuing to count expenses that i told you that should ve been taken off errors after errors almost a foreclosure then the error is Finally recognized get a hard fault modification then the pandemic happens AND I SOMEHOW BUMP MY HEAD AND DIDNT SEND THE PAPERWORK BACK silly me oh boy im so silly get another modification denied for false reasons again in XXXX and XXXX now here we are with this farce of a service company trying to accommodate me with a modification i didn't ask for ... THANKS YOURE HELPING A LOT KEEP UP THE GOOD WORK so sorry for the inconvenience so sorry you're disappointed and don't understand the bind you put my family in and the daily torture and anguish i deal with. Thank you so very much!!
Consumer complaint received 2024-05-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC (GA)

IS U.S. Code $ 1681c-2 a consumer reporting agency shail block the reporting of any Information in the fle of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipe. it has been 30 days and you are in VIOLATION of this law because I am a victim o

f identty theftil Please delete these items IMMEDLATELY! These accounts should not be furn
ished on my consumer report as they are in VIOLATION Under, 15 US Code 1681b - Permissible purposes of consumer reports ( ) IN GENERAL SUb to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION c consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CON to report amything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer im demanding the deletion of accounts listed IMMEDIATELY!
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (HI)

XXXX XX/XX/2020 I attempted a security unfreeze of my wife 's credit report etc. with Experian. While doing so in preparation for a refinance of our mortgage with Equifax and TransUnion was straightforward, Experian requires we mail-in multiple documents before they will unfreeze our account. They make it clear that were one to purchase a $ XXXXmonth service the unfreeze could be accomplished by a single click on their website. 

Exploration of Experian at multiple websites reveals that many people have had similar problems. It was only due to incompetence in the agencies that many were forced to implement security freezes in the first place, and now they further complicate one 's life by such onerous requirements. I want to begin the refinance process now rather than wait some indeterminate time ( or more likely, never based upon their marginal customer service to date ). 

I find it extremely egregious that this company, that I have no need for nor am contracted with, should have such power over my finances.
Consumer complaint received 2018-06-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (LA)

On XX/XX/2018 I realized that I had a debit that was pending that would cause my account to be negative it showed the account was negative XXXX all other transactions were already pending and had been deducted from my balance. Within minutes of realizing this I immediately transferred funds from another regions account to put my account back into the positive and actually made sure I had at least XXXX or more so I didn't have a lose balance. Regions has said on many occasions that transactions are posted at midnight this was XXXX when all this took place so there was plenty of money to cover the negative XXXX. At midnight on the XXXX the account was not in the negative it had money to cover everything but I was still charged an overdraft fee on the XXXX now what is the point of having another account to transfer money from if your still going to charge an overdraft fee even though the money was in the account? This makes no sense there is no point in offering transfers if it does no good and regions still takes what they want anyway. I've read over XXXX complaints for this exact thing happening with regions at what point is the scamming going to stop. I'm to the point that it maybe time to find a more honest bank who conducts business the honest way. This isn't the first time this has happened after the last I told my wife I would handle all banking just to see for myself what was going and was appauled to see that they are actually doing this to customers.
Consumer complaint received 2021-02-27
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. (MI)

I contacted Transunion about inquirys and I told them that I did not give permission to these companies. They told me to file a report with FTC and I did. The do nothing and make me keep calling and calling and no nothing.
Consumer complaint received 2018-06-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

My company is XXXX XXXX XXXX XXXX, I am a licensed real estate broker in the state of Florida. I have been hired by the owner of the home XXXX XXXX XXXX, XXXX, FL XXXX to sell her home in XX/XX/2018. Do to the condition of the home and the market, the offers in conjunction with the closing fees have made it necessary to request the bank to complete a short sale. The company that is handling the short sale is a servicing company called XXXX XXXX XXXX , XXXX. I have been authorized to speak on behalf of the seller to discuss with the bank the process of the short sale. The owner and myself have diligently done everything we can to work with the XXXX XXXX XXXX XXXX. 
The reason for my complaint is I feel that XXXX XXXX XXXX XXXX. is with intention, fraudulently delaying the process of the short sale in order to collect serving fees from its investors. I have literally called XXXX XXXX XXXX XXXX. 30 plus times ( nearly everyday ) and every time I call them they tell me I have to have a new document that is required. Literally every time I call they make up a new document that could have easily been supplied 60 days ago. Even though each time I call them they tell me that after this new document that they now have every document. The very next day I will call and they literally make up a new requirement. We have supplied SPS the same documents literally XXXX and 3 times. I will call one day and they will tell me they have everything and then the next day they have a new requirement that they said was always required but the last XXXX people in 60 days somehow missed. Today I just spend an hour on the phone today with XXXX XXXX the XXXX supervisor I have had to escalate my call to in the past three weeks. Now last week they told me they have everything. Today as I was on the phone ( this has literally has happened 30 times ) XXXX tells me I need two more documents. I am not exaggerating, literally every time I call them they come up with a new document that was not mentioned to me in the past 30 calls. Today it was the listing agreement. The home was listed 90 days ago. All of a sudden they need this document though it has been supplied 2 other times. Then they needed written authorization for me to talk on the account even though I have been authorized to talk on the account the past 30 calls today a new requirement is they need it in writing. 
Literally everyday they create a new document, I am not talking about just critical document but ones they come up with everyday as a new requirement that has nothing substantial to do with the sales process. 
I truly and honestly believe this company is committing fraud. They are purposely delaying the process in order to collect fees from their investors. Please investigate the operations of this company. They are doing this with intent. My conversations are recorded. The calls are documented. The loan number is XXXX.
Consumer complaint received 2020-07-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Their application process is broken and poorly ( perhaps deficiently ) disclosed. As an initial matter, my spouse and I have credit freezes in places ( who doesn't post XXXX  and all the other breaches ). After ( emphasis on after ) applying, we are told that our application is rejected and we need to lift our the freezes in order to apply. 

Why HSBC is using CRA reports in the first instance for a product where they aren't extending credit ( assessing default ) seems problematic. What happened to the XXXX  reports for banking account verification. Moreover, we did not recall seeing any disclosure regarding CRA reports, nor on double checking was there any mention in the terms & conditions of the product landing page that they would pull CRA reports. If HSBC is going to pull reports -- say so unequivocally upfront and tell people to lift any freezes. 

We lift the freezes. We apply again on XX/XX/XXXX, and go through the whole rigmarole including upload proof of address ( internet utility bill ). This time the application accepts as pending, and they initiate trial deposits on XX/XX/XXXX to verify my existing bank account info, which we verify. Then on XX/XX/XXXX, HSBC again declines our application : " because were unable to verify the address of the applicant ''. This is odd as we submitted substantiation of our address.

We call, and after speaking with 3 or 4 people get to the appropriate team and ask was there some issue with the upload -- did you want a bank statement or pay stub instead? No, it was an issue with your CRA reports -- something -- can't tell you what -- did not match. Please call them and fix *something* with your CRA reports and try again. Very helpful. 

So the HSBC is saying we've received your proof of address, we've verified your existing bank -- in order words you are who you say you are -- but no dice opening the account ( because of some undefined/undescribed issue with your CRA reports that ( as far as I can tell ) we didn't tell you we were going to pull ). 

As a further note, HSBC 's decline email did not reference the CRA reports. The email did not say that HSBC relied on such reports nor provide any disclosure as to which CRA should be contacted to resolve this issue. Our impression was that there is some obligation to disclose this to the applicant/consumer in such situations ( but perhaps this scenario does not fall within the FCRA? ), but leave it to you all to confirm.
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Experian, XXXX  and XXXX  are reporting a closed paid account on my credit as closed with a balance. I settled this account and it is closed and paid and needs to be removed because it is negatively impacting my credit score. 

XXXX XXXX XXXX amount {$450.00}
Consumer complaint received 2020-08-20
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: Shellpoint Partners, LLC (MN)

Contacted Company about reporting account that was discharged in bankruptcy 12 years ago. Randomly in XX/XX/XXXX they started to report it on my credit reports even though it was never reaffirmed. They stated a supervisor would call back but never did. Filed disputes with 3 major reporting agencies and results have been " they say it's accurate '' even though I included copies of bankruptcy ( XXXX ) and discharge ( XXXX ).
Consumer complaint received 2022-09-13
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 do not have credit with any of the following companies. These are showing up as hard inquiries on my credit report and they need to be removed. 

On DateXXXX XXXX XXXX and XX/XX/XXXX CompanyXXXX XXXXXXXX  DateXXXX XXXX XXXX  CompanyXXXX XXXX XXXX DateXXXX  XXXX, XXXX  CompanyXXXX, XXXX XXXX XXXX, XXXX CompanyXXXX XXXX
Consumer complaint received 2021-03-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

Hello Since XX/XX/2021 Coinbase has suspended all my activities. I can't do anything on the app, nor website. My account is accessible to read and review showing everything current by the day but I CAN NOT SELL OR TRADE ANYTHING. 

[ THESE ARE STRAIGHT COPIED FROM EMAILS ] : *RE : CASE # XXXX XX/XX/2021 Hello XXXX , We have transferred your case to a specialist who will be able to assist you with this specific issue. You will be contacted directly as soon as we have reviewed your case. Please note, these reviews are typically completed within 5-7 business days but may take longer. Best regards, Coinbase Support 2ND EMAIL : Hello XXXX XXXX, Thank you for following up with us. Our team is still reviewing your information. However, we've asked them to expedite their review of your account, but it may still take 24-48 hours to complete. We appreciate your understanding. Regards, Show quoted text Coinbase Support **On XX/XX/XXXX I recieved an email stating my case was resolved and closed. When I Check on the app and online the problem still existed and I was unable to use ANY type of crypto transactions. When I tried to email again and they responded : ( Hi there, Thanks for the response! Wed love to help you further, however, this case has been closed and can not be reopened. Please submit a new ticket to our online support form here for continued assistance : https : //help.coinbase.com/en/contact-us.html Thanks, Coinbase Support ) ***I then OPENED a case with their Consumer Complaints Office. This is there reply : Re : CCO case # XXXX Hi there, Please accept this email as confirmation to receive to your complaint. We will review your complaint you will receive a response by the Consumer Complaints Office within 15 business days. If for any reason we need an extension of time we will email you as his possible. Warm Regards, The Coinbase Team. I have emailed 2 more times in this case # reply and still NO answers at all. It has been 8 weeks of my fund being withheld. 

Also Im NOT able to do anything to sell, trade crypto. I am also handicap? so I have emailed them explaining this stress has really made me feel very bad with my neurological conditions. 

Thank you for your attention to this serious issue, XXXX XXXX XXXX Today 's my approximate portfolio worth is about {$140000.00}
Consumer complaint received 2018-06-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NJ)

I have been a costumer of Chase for a little more than 10 years and for the past year or so I have been having lower available balance than I am supposed to in my checking 's account. Sometimes {$20.00}, {$50.00} and at one point even {$100.00} dollars less than I should. I always contact them and there is never an explanation for the error. I use an Accounts app on my phone to keep track myself of every single transaction that I make and then compare it to the Chase app to find any discrepancy but there is none to be found. Is like the money just disappears to thin air. Today XX/XX/18 I logged in to my account to find out that I am missing {$160.00} dollars from my account. No unauthorized transaction is found but the money is missing. I went to the closest Chase brand that I have and spoke to banker. We went over the last transactions that I made and no error was found, just the {$160.00} dollars disappear from my account. This is very frustrating I work hard for my money and I hope I can get help somehow cause Chase is not helping.
Consumer complaint received 2020-05-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (MA)

I was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are willing to take a settlement. I don't know what else to do so i am finally coming to you guys for some guidance please. I BELIEVE THERE ARE MULTIPLE ACCOUNTS PLACED WITH THIS COMPANY AND THEY ARE COOPORATING
Consumer complaint received 2018-06-26
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 (FL)

On XX/XX/2018 XXXX XXXX charged on my Cap One card {$1000.00} WITHOUT my permission. I cancelled transaction yet XXXX still used my card. Verbally and in writing.