davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (OH)

I have a compliant dealing with addresses that do not belong on my credit report. I am request a block on my personal information. I need a copy of my credit report for my personal review. please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2017-10-05
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: EQUIFAX, INC. (OH)

On XX/XX/XXXX, I mailed to XXXX via USPS certified mail, a letter and other related documents regarding they open an investigation on my credit report. The documents consisted request for validation of Accounts XXXX XXXX # XXXX and XXXX and notification of identity theft accounts XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX. The identity theft report also included inquiries. 

The documents were delivered to XXXX on XXXX XXXX, 2017, in XXXX TX. 

To date, I have not received any information related to the above information and report.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act on XX/XX/XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act on XX/XX/2020 XXXX XXXX XXXX, Acount # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MN)

I have called XXXX XXXX and Equifax several times. Neither company respected the consumer laws when it comes to my privacy, reporting to me with having full disclosure now according to the FCRA under 15 USC 1681 ( a ) ( 4 ) infringed upon the right to consumer privacy. I never gave XXXX XXXX to report or house any information on me Equifax is violating my consumer rights by proper not investigating my consumer report correctly. stated in 15 USC 1681a-e The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
every consumer reporting agency shall upon request and subject to 1681 h ( a ) 1 of this title clearly and accurately disclose to the consumer. Both companies in several violations
Consumer complaint received 2017-10-05
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

On XXXX XXXX 2017, I went to my XXXX XXXX XXXX. I went to the customer service center to purchase two money orders. Upon letting the cashier know that I wanted to purchase two money orders, the store associate ( XXXX ) told me that she would not help me. Upon asking her why, she said that store management has decided to implement a policy against XXXX persons and people who look like me. I asked to speak to the manager ( XXXX ) who said that particular store did not provide customer service to XXXX.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act on XX/XX/XXXX XXXX Convergent Outsourcing Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act on XX/XX/2020 XXXX XXXX XXXX, Acount # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion is in violation for not completing a complete investigation and verifying multiple accounts with the wrong date of status, wrong last payment date or wrong account update on the following accounts. 

XXXX- account is currently being reported as updated and verified even though account was disputed two months ago. last date of payment not reported, last account update not reported. This is inaccurate and a violation. Please delete from profile. 

XXXX XXXX- last reported update was in XX/XX/XXXX. Inaccurate reporting and a violation. Please delete from profile. 


XXXX XXXX XXXX- last payment date not currently being reported. A violation, as a result, account must be deleted. 


XXXX XXXX XXXX- reporting a credit limit of {$450.00} while debt buying XXXX XXXX XXXX reports past due balance of {$980.00}. this is inaccurate reporting and a violation. 

XXXX XXXX XXXX XXXX- currently reports a {$1600.00} credit limit while reporting a past due balance of {$3500.00}. Inaccurately being reported and is a violation. 

XXXX XXXX XXXX- is currently reporting as past due balance of {$380.00}, and last payment date of XX/XX/XXXX, inaccurate reporting and a violation.
Consumer complaint received 2019-10-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (TX)

I've reached out and let them know that the bill was disputed by the original creditor XXXX XXXX of am by a mistake on there billing end. Now they are sending mail and calling at all times to collect something that i dont owe.
Consumer complaint received 2021-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (ID)

I made a payment on XX/XX/XXXX that was never applied to my account. Since then they are constantly saying I'm a month behind, charging fees etc. I sent them a screenshot of my bank account showing that transaction and they claim that wasn't good enough. I have been calling for months and been told my account was current, it wasn't until three weeks or so ago that someone finally could tell me what the issue was. This has ruined my credit, I'm selling my home and it closes in three weeks, I'm positive if I stay under this mortgage company i will lose my home because they are completely incompetent.
Consumer complaint received 2017-10-05
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bison Recovery Group, Inc. (OK)

RE : The Bison Recovery Group, caller id:XXXX. number left : XXXX They have made frequent and repeated calls 3 or 4 times a day.
They have called multiple times before XXXX and after XXXX.
They have call relatives at XXXX or XXXX asking for me, discussing the collection and threatening.
When I told them to stop contacting me and my family, they continued harassing us. They used obscene, profane, and other abusive language.
Consumer complaint received 2022-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

Per tracking, Its been XXXX months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2017-08-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MO)

On XXXX XXXX, 2017, I sent a wire transfer to Coinbase/XXXX to deposit funds to my account. It 's now been over a month and the funds still have not been credited to my gdax account. The transfer should have on taken a day or two, as indicated by XXXX. Here 's some info about the wire transfer : Date : XXXX XXXX, 2017 Amount : {$4900.00} XXXX XXXX :  XXXX XXXX XXXX  XXXX  Routing Number : XXXX XXXX Account Number : XXXX Reference Number : XXXX ( I do n't know if this is only a XXXX thing ) Special Instructions : XXXX Beneficiary Address : Coinbase, Inc XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX I can also provide information about my bank and account number if needed.
Consumer complaint received 2022-09-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (OH)

They advised there was a small shortage in my escrow account and they are raising my payments {$94.00} each month. The first person I spoke with today advised they made an insurance payment in XXXX and I looked on my insurance company 's site and they had not. 
I called them back and spoke with another rep who advised that they did not pay an insurance payment and that the escrow was short one month and so they raised the monthly payment for next month. 
Why would that increase so much when my expenses did not? They said it was for a " cushion ''. That is unfair and want it investigated. That cushion is alot for me to pay every month. 
Thanks, XXXX
Consumer complaint received 2019-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX {$6200.00} XXXX XXXX {$2400.00} XXXX XXXX XXXX   XXXX {$7200.00} XXXX XXXX XXXX {$5600.00} XXXX XXXX XXXX - {$870.00} - XXXX XXXX XXXX XXXX - {$330.00} - XXXX XXXX XXXX XXXX - {$1100.00} - XXXX XXXX  - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - {$420.00} - XXXX XXXX XXXX XXXX XXXX XXXX - {$790.00} - XXXX
Consumer complaint received 2017-10-05
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal  law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX XXXX XXXX account .Ive Been trying to verify this account for XXXX months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof
Consumer complaint received 2023-01-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc. (NY)

On XX/XX/XXXX I filed a dispute for XXXX. On XX/XX/XXXX I was credited XXXX by an suprivsor named XXXX. Today I called to get my card unlocked for use. They had removed my XXXX on my card. I asked the supervisor XXXX on why my account did not have XXXX like it was the past 7 days. He told me he did not know. So where did my money go? The money they credited my account should have never went anywhere. I now have no money and I need an explanation on where my money that was credited to my account since I was unable to use it.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK (MA)

I've retained Federal Debt Relief to assist me with paying off debts of which I admit was improper planning on my behalf. Since XX/XX/2020 I have been paying a little under {$600.00} a month and never missed a payment to them.Thats alot of money personally to me and was astounded to learn after I reviewed a credit report that my score is at the bottom of the barrel. I'm not deserving of a great or even good score by any means but remaining at the bottom doesnt seem right. I did stop paying them ( creditors ) as I worked with XXXX but I wasn't crazily behind. It Now appears I've been a complete failure trying to make things right with several creditors I have I believe 5-6 creditors who have me as " Charged off ' or " SERIOUSLY Past due ''. 
-Some creditors out there have had balances under {$1000.00} or even {$500.00} and XXXX would Not let me pay them off as people offered to help me.Instead we are on 2+yr deals to pay them. They did let me now if I put more $ $ in my acct things would get better. I tried that and it did get better ... for them. They collected their fees much quicker, Nothing else. ( They know this is reality, I already know what and how they will respond to that in a mostly structured, standard XXXX  response ). 
-I also have a few accounts where the creditors are being paid {$1.00} a month, you heard me {$1.00} a month, they will have a response for that as well as you are aware. 
-I 'm going backwards with my credit, straight backwards. 
-Its clear my credit is going backwards and backwards... ..and then when I'm finished with them add 7 yrs where my credit will look like what they are creating for an unknown reason. What are they up to if you can answer? If anyone knows its you ... and them. 
Thank you XXXX
Consumer complaint received 2019-10-26
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (MA)

Dear Compliance Manager ; This is driving me crazy now. I was just reviewing my credit and i noticed a vehicle that I turned in back in XX/XX/XXXX and noticed a " Charge-Off ''  status on my credit report from last month ( XX/XX/XXXX). It's impossible!!! I have a new lease with Kia Motor Finance back in XX/XX/XXXX when I turned it the old one ... I have NEVER in my life missed a car payment because it's a draft from my bank account. This is totally wrong and the way it's reporting on my credit is a total violation of fair credit reporting laws. I thought consumer was protected under FCRA to ensure that the accounts are reporting accurately, with no inconsistencies. This has to be a computer error ... No human can blatantly make this type of mistake. Look at my credit report!!! The other lease from XX/XX/XXXX should've been terminated and stop reporting since I turned in the vehicle back in XX/XX/XXXX and the payment of new vehicle should start then ... NO LATE PAYMENT and I don't owe {$440.00} to Kia for any vehicle. Please correct and investigate this account. I like dealing with KIA MOTOR so far, but now I'm thinking twice about moving forward with any future relationship with Kia or any other affiliated companies.
Consumer complaint received 2020-05-29
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 
XXXX XXXX XXXX {$740.00} XXXX XXXX, XXXX   XXXX {$530.00} XXXX/XXXX XXXX {$1100.00}
Consumer complaint received 2017-10-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (MD)

TOYOTA FINANCIAL, creditor, auto loan account is fraudulent. It has been settled beyond controversy, a bank can lend its money, not its credit. TOYOTA FINANCIAL has created a constructive fraud, peonage, conspiracy, and dishonor which have resulted in my Revocation of Signature for Cause. I have written several letters to XXXX XXXX  to resolve this matter.
Consumer complaint received 2018-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

To Whom it may XXXXoncern, Name : XXXX XXXX XXXX ; Credit Card number : XXXX My name is XXXX XXXX XXXX and I understand that I have completed the requirement for the promotion, to receive XXXX Delta Skymiles as it was advertised on the American Express website. I did apply and was approved and I did spend {$3000.00} to full fill the terms of the bonus points but instead I got only XXXX Delta skymiles. When I contacted customer service they demanded provide them with direct solicitation mail. I believe if city advertising XXXX XXXX Skymiles online they should be able to track customers who have applied online following their add. 

I am asking Consumer Financial protection agency to investigate this incident which sounds like a false advertisement. I am asking American Express to honor their promise and honor XXXX XXXX Delta Skymiles. Please see below what American express had regarding their bonus offer : XXXX SkyMiles after spending {$2000.00} in three months, {$XXXX} statement credit after first XXXX purchase in the first three months. Plus, earn an additional XXXX bonus miles after spending an additional {$XXXX} in the first six months. 

Thank you for your time, XXXX XXXX XXXX
Consumer complaint received 2017-10-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Counsel Mortgage Group, LLC (AZ)

Applied as a first time home buyer. Trusted lender to evaluate amount of mortgage payment I could afford. Lender underestimated closing costs by {$2000.00}. Corrected costs after too late to cancel contract on home purchase. Also found out after too late to cancel and get refund of earnest money that lender qualified me for a home mortgage loan at 55 % of my take home pay, after simple costs of utilities, car insurance, I would have left {$200.00} for all living expenses, food, clothing, gas to get to and from work. Lender admitted by phone that he made errors and would submit a retraction of my loan approval but did the retraction in a way so that I can not get my earnest money back. Lender did not tell me payment amount until after cancellation time had passed. The Administrator of the Real Estate Company I was working with, XXXX XXXX XXXX, called the lender. The Manager of the firm told her they were not working on a loan for me because they did not have a signed loan application. She inquired if that meant they were not working on a loan for me, they responded they were only gathering information yet they have not filed proper paperwork admitting they made a mistake qualifying me so that I can get the earnest money returned.
Consumer complaint received 2016-11-09
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: 21ST MORTGAGE CORP. (OK)

I have asked 21st Century Mortgage twice to stop calling my place of employment. I 'm not even 30 days late on my mortgage. 
They know I pay the second Wednesday of every month. 
Today XXXX/XXXX/16 is the second Wednesday and they called my place of employment. They have been told twice to stop calling.