davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$410.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2019-03-15
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. (GA)

I contacted XXXX, XXXX  and Experian about bankruptcy showing up on my credit report several times. They state that it was verified with the Court. However, in XX/XX/2018 I receive letters from the Court stating they did not verify the bankruptcy with any credit company. I did send them the letter and the bankruptcy are still on my credit report to this day.
Consumer complaint received 2019-03-15
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. (GA)

I contacted XXXX, Equifax and XXXX about bankruptcy showing up on my credit report several times. They state that it was verified with the Court. However, in XX/XX/2018 I receive letters from the Court stating they did not verify the bankruptcy with any credit company. I did send them the letter and the bankruptcy are still on my credit report to this day.
Consumer complaint received 2019-03-15
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Recovery One, LLC (VT)

at XXXX XXXX EST on XX/XX/XXXX, I received a phone call on my XXXX that said it was from my stepmother XXXX. When I picked up the phone, it was a debt collector who called herself XXXX. When I insisted she tell me how she got my stepmother 's phone number, she refused to answer me and kept talking about a debt I supposedly owe. I asked her twice. She also refused to identify what debt collection she was calling from, then promptly hung up on me. 

" XXXX '' also left a voice message for me on my stepmother 's phone. XXXX claimed to be leaving a message in regard to wanting authorization to do glass work on my XXXX XXXX XXXX - something I have not asked for. XXXX completely lied. 

XXXX 's phone number is XXXX. She works for : Recovery One XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : XXXX Toll Free : XXXX
Consumer complaint received 2018-02-08
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RIGHT START MORTGAGE, INC. (CA)

An appraisal was done on my property on XX/XX/XXXX. The value was way lower than it should have been and therefor no loan was provided. I paid XXXX dollars of my money for that appraisal and just found out it was just submitted to HUD on XX/XX/XXXX? This is ridiculous and not only am I stuck with a low ball value on my house for 6 months I am also out XXXX dollars because some XXXX  lender sold me and told me my house was worth XXXX! The appraiser is also wrong! It should have come in around 360k but im being XXXX  on both sides and as a consumer this is XXXX! I called HUD and they told me that the XXXX that I paid didnt even goto the appraiser because he hasnt even gotten paid? At this point I want my refund for my appraisal and I want this XXXX value erased from the HUD system. This whole thing is a bunch of XXXX!
Consumer complaint received 2022-04-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL (PA)

In XX/XX/2022 I had applied for an XXXX business line of credit, XXXX uses Synchrony Bank to underwrite this line of credit and issue the finances accordingly. 

In order to improve the odds of my XXXX business line of credit approval, I offered a personal guarantee in my XXXX XXXX application because my credit score is over 800 and I have exceptional odds of approval, 100 % typically. 

Without ever reaching out to me for more information, Synchrony Bank denied my line of credit and sent me a rejection letter stating that they were unable to verify my personal identity .... but how can the underwriters not verify my personal identity when my name, dob, social security number, telephone number, address, and e signature are on the application? Why didn't the underwriting department reach me directly to verify instead of denying? 

I of course contacted them to address the issue and told them that there is proof that they RAN my credit report the day of my application, so how can they run my credit report with my name, dob, ss #, address, phone number and esignature yet not verify my identity? 

The Bank refused to rescind the credit inquiry that they messed up and now I have an inquiry causing me negative impact to my credit report because they did a hard inquiry and then rejected my application after their representatives failed to do the underwriting correctly. 

I filed a PA attorney general complaint to address this issue with Synchrony Bank as they refused to amend their negligence ... instead of contacting me using the number or email provided in the complaint, which is also in their records for the XXXX XXXX and a XXXX XXXX, ( so provided correctly 3 times ), they replied three months later stating they attempted to contact me via my old phone number which I never provided them on any of these applications... So they refused to mediate with me, refused to amend their mistake and have caused me damages by virtue of negative credit impact due to their mistake. 

For further insight, in the same month I also applied for a XXXX XXXX who also use Synchrony Bank and I was approved for {$2000.00}, they performed the exact same underwriting procedure for both LOCs, just one they messed up and refused to fix their mistake. 

I have recordings of their agents refusing to accept responsibility and help me, and even caught lying on record, HOWEVER, the CFPBs limited file size of 10mb isn't large enough to permit attaching to this complaint... I offer it in an auxillary email attachment as needed, please ask me for it, I'd love to send it over to the CFPB for review.
Consumer complaint received 2022-04-29
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: Synovus Bank (TX)

Have not update billing payment that was paid on XX/XX/2022. The customer service agent was unprofessional and unethical. Then proceeded to make a late payment on my account. Which was already paid!!!!
Consumer complaint received 2021-11-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (TX)

Item opened XX/XX/2021 and reported XXXX for {$420.00} by Convergent Outsourcing. The company in which I am writing this complaint never allowed me to dispute the information placed on my report. I never received a letter or notification of this item until placed on my credit report. I was not able to submit a letter because I never had an account number to dispute the item. When disputing the item with the credit bureaus, this company clients they did not violate the FDCPA, 15 USC 1692g allowing me to request validation of this debt. It has caused me emotional distress and mental anguish. When applying for work or credit this item is reflecting a character of nonpayment when I have not had this matter in quite some time. When asked to remove this item I was declined although no proof was provided to show the accuracy of the reported item by the collector or original owners of this debt. I have not documents to submit honestly because it never received any.
Consumer complaint received 2019-03-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (AL)

My husband refinanced our home in his name only, without my knowledge. It wasn't until after his death ( XX/XX/17 ) that I discovered this, and now that I'm attempting to refinance the mortgage in my name only, the mortgage company is not cooperating with me. I do not understand how my husband was able to refinance our home without my signature, even though I am on the deed.
Consumer complaint received 2021-01-29
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. (CA)

I'VE BEEN TRYING FOR SEVERAL MONTHS TO GET MY DISPUTES COMPLETED WITH THE BUREAUS BUT IT SEEMS LIKE THEY ARE IGNORING MY REQUESTS.
Consumer complaint received 2022-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have discovered inaccurate information on my credit report. I am informing your company the error in my credit report and request to delete the error immediately. The bankruptcy remarked hurt my credit report and might decease my credit score as well. Here are the details : XXXX XXXX Bankruptcy / XXXX/ {$0.00}
Consumer complaint received 2021-05-06
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Good afternoon, As I was reviewing my credit score a few concerns came up because I never applied myself to any credit card agencies such as Lord and Taylor and the auto loan. Someone is using my information and my personal information such as my social security card, birth certificate and identification card was stolen.
Consumer complaint received 2018-02-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

On XX/XX/2018 I authorized a wire transfer in the amount of {$1400.00} from my bank, XXXX XXXX, to the merchant bank for CoinBase, XXXX XXXX XXXX. I've confirmed the money was received at XXXX XXXX  on the same day and I've been providing CoinBase with the confirmation IMAD number for that wire since last week. They have yet to credit my account for the wire. I get XXXX response from their customer support except to be told that my complaint has been passed on to a specialist and elevated to critical status. That was last week and I have yet to hear from any specialist. At this point I'm considering the money stolen by CoinBase, and I have initiated a claim with my bank. But they have said since I authorized the wire, they will have a hard time resolving the issue to my satisfaction. That is why I'm writing to you. I've also reached out to a law firm that is coordinating a class action against CoinBase so that I can be included. 

I am not the only one complaining about this. A quick XXXX search or scan of the website XXXX will unveil a plethora of similar stories, many involving much larger sums of money. 

Please do the right thing and hold CoinBase accountable for this negligent behavior.
Consumer complaint received 2018-02-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber (CA)

On XX/XX/2017 i sent a dispute letter. Grant & weber did not respond and the account was only on my XXXX  credit report and is now on my XXXX credit report as well. I do not have a contract with this company. The amounts are XXXX and XXXX.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NM)

XXXX, Equifax and XXXX XXXX are ignoring my requests to investigate, verify and remove accounts from my consumer credit reports that do not belong to me. I have asked them to provide me with the documents with the original signatures proving the accounts belong to me and they have not sent them to me.
Consumer complaint received 2022-04-29
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: EQUIFAX, INC. (GA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2020-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

The issue arose from the confusion regarding the global entry statement credit of {$100.00}. HSBC Bank advertised that card holders " can redeem XXXX Cash Rewards to receive a {$100.00} statement credit to cover the [ Global Entry Application ] fee. '' I applied for Global Entry via Trusted Traveler Programs of Department of Homeland Security and paid {$100.00} with my HSBC credit card on XX/XX/2020. I called HSBC customer service regarding not receiving the cash rewards points of XXXX on XX/XX/2020 and they advised me that to redeem the global entry statement credit of {$100.00}, I need to have XXXX cash rewards points on my own. That means HSBC Bank will not provide the XXXX points to me. This is misleading advertisement because usually I can redeem cash rewards points for cash back to use as statement credit. XXXX points is equivalent to {$1.00}. It doesn't require this promotion to redeem rewards points as statement credit. The customer service team of HSBC Bank agreed that the statement is confusing and raised the concern to HSBC Bank. HSBC Bank responded that the statement is not legally wrong ; therefore, HSBC Bank is not liable for misunderstanding. 

Due to this advertisement, I applied for global entry to take advantage of the benefit from my HSBC credit card. Now, I have to cover my own expense because of HSBC Bank 's misleading advertisement.
Consumer complaint received 2022-04-29
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: Consumer Adjustment Company Incorporated (AZ)

I have sent this company a letter on XXXX/XXXX/2022 about a validation they have not responded within 30 days now I am looking to collect my {$1000.00} per violation under 15 USC 1692k
Consumer complaint received 2021-08-18
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: JPMORGAN CHASE & CO. (LA)

Hi, My auto loan was paid off in full on XX/XX/2021 and in XXXX I received a late payment alert from XXXX. I contacted Chase Auto and XXXX XXXX bout the issue and provided receipts from my bank statements showing I never missed a payment &, copy of the check from the insurance company. 

I also sent a copy of the refund check of {$120.00} from chase because I was still paying my car note even AFTER my insurance company paid chase auto because I was told by a chase auto represenative that they had to update my account and that I still had to pay up until they did. This error has affected my credit scores and XXXX XXXX and chase has not been cooperative. Chase is lying saying I owe {$410.00} and I do not.
Consumer complaint received 2022-04-29
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. (NJ)

XXXX, Experian, XXXX information on my credit cards accounts are wrong. They have Total Accounts numbers, wrong payment histories each credit bureau is showing the wrong information. Plus, they have old addresses on my credit report. I tried to inform them with the current and nothing was changed. All information was upload attached.
Consumer complaint received 2019-03-15
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. (GA)

I contacted TransUnion, XXXX and XXXX about bankruptcy showing up on my credit report several times. They state that it was verified with the Court.  However, in XX/XX/2018 I receive letters from the Court stating they did not verify the bankruptcy with any credit company. I did send them the letter and the bankruptcy are still on my credit report to this day.
Consumer complaint received 2017-09-13
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. (WA)

Experian is not supporting its credit freeze online application or its fraud alert service. I have tried for 2 days to access both. When I invoke the links from its website, the link takes me to blan k pages that say the application processes are " loading '' after 5 minutes at each page using 2 browsers : XXXX and XXXX, nothing happens. I 'm hoping you can do something quickly, since the data breach at XXXX has called into question the security of all my private information.
Consumer complaint received 2020-01-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Professional Finance Company, Inc. (OK)

I was sued on XX/XX/XXXX by Professional Finance Co and the judgement was taken up by XXXX, XXXX XXXX  XXXX XXXX for an ancient ER bill. The original bill was from XXXX for {$730.00}, but as of XX/XX/XXXX they begun garnishing my wages to the tune of {$3500.00}. I was NEVER contacted by PFC, NEVER contacted by the law firm they sold the debt to, and when I contacted the aforementioned law firm not only did they not care at all that I was never made aware of any of this until after they started garnishing my wages, I found out that all the debt notices and legal paperwork was sent to an old address that I haven't lived at since XXXX. So they can find out where I work so they can take my money but they can't be bothered to search public records to find my current address when it's time to notify me that I owed money? Gee, kind of seems like they didn't want me to be able to respond or dispute anything, makes it easier for them to snowball the amount owed. I don't know if there's anything that can still be done about this but I will be contacting a lawyer soon and filing a bar complaint against this law firm as well. Taking {$3500.00} of my money for a {$730.00} debt, that is flat out criminal and these people need to be stopped.
Consumer complaint received 2018-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: VW Credit, Inc (FL)

VW Credit does not have a valid enforceable contract. I timely reported the vehicle to be turned in when I was no longer able to pay the loan. Any monies, if they were ever received from the auction of the vehicle should have been applied towards the balance of the loan. I have no knowledge of auction or any results from my many letters and disputes. I disputed the debt many times and requested validation. I also requested the item be removed from my credit due to failure to properly validate. XXXX failed to conduct a proper and thorough investigation that I am entitled to and failed to review all the relevant documentation provided already in their possession thoroughly enough thus violating their duty under 15 U.S.C. 168ls-2 ( b ) ( l ) ( A ) through 15 U.S.C. 168ls-2 ( b ) ( l ) ( E ). 39. With the failure to request removal of the VW Credit trade line stating "repossession",  my credit score, a benchmark for near all facets of life in today 's society, was artificially deflated. VW Credit 's actions were negligent and willful and wonton.
Consumer complaint received 2020-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

As of XX/XX/XXXX I have 8 XXXX backed student loans placed in default even though I was currently enrolled in College as of XX/XX/XXXX. The loans should have subsequently gone into a deferment status due to my enrollment status of full time. I have tried to dispute these erroneous closed accounts through the credit bureaus with no success. I have included documentation from XXXX XXXX University showing my enrollment date and status, yet I still have these default loans on my credit report. I have been actively rehabbing the erroneously defaulted loans while I have been disputing this issue with the credit bureaus. I have called XXXX loan servicing customer service multiple times, but no one seems to be able to give a roadmap to rectify this issue even though I have verifiable proof. I currently have other federal student loans in deferment due to my college enrollment, I am not sure why this wasn't done for these 8 accounts as well. Furthermore, 2 of these student loans accounts are reporting late payments after the erroneous default date of XX/XX/XXXX. I have enclosed screenshots of my Equifax Credit report showing a late payment reported for XX/XX/XXXX on one account and XX/XX/XXXX on another. These accounts were updated as XX/XX/XXXX with incorrect information on a closed and transferred account. How is it possible to be late on a defaulted, closed and transferred account? This is clearly a violation of the Fair Credit Reporting Act. I have been subjected to undue hardship based on the impact of these erroneous accounts being placed on my Credit Report incorrectly. This issue needs to be corrected immediately so that my family and I can move forward financially. 

Respectfully, XXXX