davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I initially sent a sepa transfer to coinbase on XX/XX/XXXX which they had received no problem they contacted me 7 days later stating that their was an issue with the sender being a third party source which was not the case as it was my bank account sending to my coinable account. on XX/XX/XXXX i received a email stating the money will be sent back to the sending account until this day i have not been contacted by coinable to get this issue resolved. i have sent them everything they need in order to refund the money to my account yet nothing has been sent and no response has been given to a number of emails. the amount was XXXX GBP.
Consumer complaint received 2021-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (IL)

Credit applied to account on XX/XX/21 before billing cycle payment due on XX/XX/21. Barclay 's charged {$28.00} late fee, plus they failed and refused to apply credit to account to reduce the total among due or refund the credit or REFUND directly to me.
Consumer complaint received 2019-11-13
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. (TX)

They added another name to my XXXX XXXX account. The other person is using my social security number to try to purchase a car at a dealership in XXXX Texas. 

The other name on my account is XXXX XXXX. He tried to purchase a car on XX/XX/2018 XXXX Tx
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Hello CFBP. I am reaching out again because DEPT OF EDXXXXXXXX XXXX did not correct the errors and they are reporting on the credit reports. I was the process of purchasing a home and lost out of the home due to late payments from XXXX. XXXX has incomplete accounts numbers -showing partial account numbers. Some are showing 90 days back-to-back, while some say 60 then back to 30 back to 90 the 150 days late. I have requested under law fix this by removing this erroneous information. XXXX XXXX XXXX XXXX XXXX XXXX. I requested this to be removed immediately. It is against the law to furnish information that is inaccurate. 
There is also payment as if I had paid on some of the accounts. This is also not true.

1. impartial accounts and all three credit reports 2. different amounts and dates on all three credit reports 3. causing great harm to my rights to purchase and it's been an ongoing request that no one seems to take note. 4. When mak
ing the attempt to write DEPT OF EDXXXXXXXX is showing two different addresses? 
How was this information verified, crossed reference? How? 
I received a letter that they were not going to make changes, while I received another letter that they would remove but can't guarantee the future. The late payments are still showing on All three credit reports again with partial account numbers. 
different dates, different amounts, different actions.

Because of this mismanaged information. I am requesting this be removed immediately. Not in 30 days. As I had lost the purchase of a home due to debt-ration being extremely too high and late payments. Which all three credit reporting agencies and reporting. I can afford to wait another 30 days for this company to fix this. 
I am really needing help. 
Thank you for reading. 
XXXX XXXX XXXX
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (LA)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, & XXXX XXXX XXXX XXXX is in violation of XXXX XXXX XXXX XXXX XXXX XXXX XXXXot notify me 21 days before my payment date on any of the XXXX accounts they reported late payments on. 

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Experian is reporting a bankruptcy that i did not file. The US government has confirmed they are not reporting any bankruptcy information. Experian is receiving this information from a third party that has been notified they are giving false information. Experian has not furnished any documentation from the US Bankruptcy court stating that they are reporting a bankruptcy or dismissals. Without this information in writing from the courts this item on my credit file is not valid.
Consumer complaint received 2021-01-27
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: Experian Information Solutions Inc. (AR)

On XX/XX/2020 the Small Business Administration initiated a hard inquiry on on my personal credit report. This inquiry was not authorized as I was applying for grants that were being made available to small businesses due to COVID. This inquiry was not authorized and I request that it be deleted from my Experian credit report immediately.
Consumer complaint received 2019-11-13
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I closed my Saks Fifth Avenue store credit card around XX/XX/XXXX. I had a credit of {$350.00} and asked them to refund me that balance. 

Due to their many errors, I did not receive a check from them until about XX/XX/XXXX. I had to call at least 5-6 times to get the check and repeatedly tell them the correct address.

About 6 weeks after I cashed the check, they began contacting me to collect {$350.00} in charges. Every time I called, I had to argue yet again that closed my account in XXXX and do not owe them any money. Each time they tell me I am correct. 

Then it starts over again a month later and I have to argue with them again. In XXXX I finally got them to write a letter stating that I do not owe them anything. Now we are in XXXX and it has begun again. Again they say it's their computer system. 

I want my name erased from their systems and to never hear from them again!
Consumer complaint received 2018-10-04
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. (NC)

Back in XX/XX/XXXX I was suspected of identity theft in a data breach with XXXX. In XX/XX/XXXX I submitted a dispute to all 3 major Credit buraus Agencies in regards to my suspicion of identity theft .I have yet to have my disputes resolve or any feed back regarding this matter and its well over 60 days.
Consumer complaint received 2018-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (NJ)

I am writing now in hopes to receive your help. Presently I am working on examining my credit, paying down my balances, and working toward greater credit worthiness. You play a very important part in this process. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit agency ( XXXX XXXX XXXX XXXX ) on XX/XX/2017 and I am writing this in order to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly think of, is that my statement didn't get to me in time.
Consumer complaint received 2023-04-01
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: Experian Information Solutions Inc. (NJ)

I wrote this company several times about charge off thats on my credit as a credit card claiming monthly payment was made when that is false these are doctor bills that should never been on my credit I have XXXX and XXXX I dont pay for insurance its free and all medical bills are covered on top of that I got a law suit and any medical bills that was left was paid for the credit company failed to investigate they lied and sent a notice stating they investigated when they did not because they would seen that no medical bills should be on my credit this is a violation to hippa rights also I gave nobody permission to release any doctor I seen or any written or verbal right to anyone containing to my medical my lawyer has stepped in because these bills are paid they not supposed to be on my credit at all
Consumer complaint received 2022-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (IN)

My wife and i purchased an income property in XX/XX/XXXX. Bsi is the lender. At the end of XXXX i received notice that there was a shortage in my escrow and that my mortgage payment will increase from {$970.00} to {$1500.00}. I reached out to the mortgage company. They explained that the shortage was due to me not having the property insured and that they had to get insurance on my behalf. This caught me off guard because I was unaware that my insurance company dropped me. Even more important, I never received any written notification of any forced placed insurance being placed on the property prior to the mortgage company acting. In fact the insurance company didn't notify me either. The insurance policy was cancelled in XXXX of XXXX. I found out XXXX of XXXX. The policy has been reinstated and the mortgage co has been sent proof of the new insurance. I have tried to reason with the mortgage company to reassess my inflated mortgage payment but, they are uncooperative. The mortgage company did not send an intent to contract a forced placed insurance prior to doing it.
Consumer complaint received 2018-02-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Green & Sons Agency, Inc. (MD)

I HAVE ATTACHED THE POLICE REPORT. Per my XXXX  REPORT, SHOWS 13 ACCOUNTS OPENED UNDER MY NAME AS A RESULT OF IDENTITY THEFT. I SENT THE POLICE REPORT TO XXXX  AND NOW I AM SUBMITTING THIS FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Consumer complaint received 2020-06-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EOS Holdings, Inc. (PA)

EOS CCA is in blatant violation of the FDCPA Section 809. 
I mailed 2 validation requests via certified mail article # XXXX XXXX XXXX XXXX and the other article # XXXX XXXX XXXX XXXX XXXX. 

EOS CCA ignored my requests and failed to provide full and proper validation that FDCPA Section 809 provides. EOS CCA IS IN CLEAR VIOLATION OF THE FDCPA FOR CONTINUED COLLECTION ACTIVITY WHICH IS A VERY SERIOUS VIOLATION UNDER THE FDCPA. 

This erroneous alledged debt does not belong to me!! I want this debt removed from my credit reports IMMEDIATELY. 

NO VALIDATION WAS PROVIDED WITHIN THE 30 DAY TIMEFRAME UNDER THE FDCPA. The FDCPA was enacted by congress to protect consumers. 
Everyday I writhe in pain from a XXXX XXXX, and being a senior citizen does not make it any easier. 

This is WRONG! EOS CCA has committed a litany of violations, including not marking the account in dispute on my credit report ( s ). 

I plead with the Consumer Financial Bureau to help me to have this information removed by investigating this firm and see if any other ill senior citizens are - having their credit reports and overall financial lives damaged.
Consumer complaint received 2021-05-24
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: Exeter Finance, LLC. (NC)

I sent XXXX and XXXX Police report and Ftc report on the XXXX of last month showing this account is not mine and to please at least verify me with proof that ist mine and they just said verified. I would like this deleted from my XXXX and Transunion file.
Consumer complaint received 2024-03-07
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Mercedes Benz Financial Services (TX)

I am writing to formally express my dissatisfaction and frustration regarding the recent attempts made by Mercedes Benz Financial Services to collect a debt for an auto lease that has already concluded. Despite the clear terms outlined in the lease end agreement, which explicitly states that I owe nothing upon the termination of the lease, I have received multiple notices and communications demanding payment. 

It is evident that Mercedes is knowingly disregarding the terms of the agreement and engaging in unjustified collection efforts. This not only violates the terms of our prior agreement but also constitutes harassment and undue stress on my part. 

I request an immediate cessation of all collection attempts and demand that Mercedes rectify this situation by acknowledging the terms of the lease end agreement. 

Furthermore, I reserve the right to take legal action if these demands are not promptly addressed and the unwarranted collection attempts persist.
Consumer complaint received 2024-03-04
Product: Credit reporting 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. (MD)

I checked my credit report and noticed I have fraudulent unauthorized inquiries on my credit. I have tried multiple times to get a few of the inquiries removed to no avail. I have attached my FTC Identity Theft report and dispute letter to this complaint.
Consumer complaint received 2023-03-24
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. (MS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # XXXX, has violated my right. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

These are all credit inquiries that I did not authorize. I have tried to report this to the credit agency, but they will not do anything about it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-13
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (TX)

After reviewing my credit report ongoing .. There's a collection Agency.. WF/XXXX.. A Balance of {$1300.00} ... Opening date XXXX XXXX. That's continuing to appear on my credit Report ... It was once remove due to Fraud.. And it has now appeared back.. And it's showing as if the collection is new.. And it's a severely old account ... Police Reports has been sent in to them and all of the Credit Bureuas to have it remove.. And all have done so except XXXX  ... This is Really starting to be a pain.. Because what they are reporting is not accurate and it's Fraudualant..
Consumer complaint received 2018-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (NJ)

I requested removal of PMI several months ago. I filled out the proper forms, had an appraisal and paid the difference while on the phone with the mortgage company to bring the LTV below the required percentage to remove the PMI. However, they have not removed it and continue to give me all kinds of excuses and processing delays although when I paid down the difference I was told it would take up to 2 days ( that was over 2 months ago ). I'm beyond frustrated and I continue to pay the PMI even though I've met their requirements to have it removed. I've called at least a dozen times. At this point I feel they are purposely not removing it.
Consumer complaint received 2020-12-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc. (TN)

I have sent multiple complaints in to this company. They refuse to cooperate. They have not sent anything back to me to verify this as my account. THey haven't sent a copy of the application, or a copy of the IDs submitted with to application to prove it was me. THe account is not mine as is opened as a result of identity theft
Consumer complaint received 2020-05-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Contacted Wells Fargo to refinance my home Mortgage in California. I have paid my Mortgage on time for many years. Went through the application process and submitted my 2018 tax returns. Was a struggle communicating with a Home Mortgage Representative weeks went by before a returned e-mail or phone was done. My application was denied because of my income. I feel I am being discriminated against because ( 1 ) I am a Woman ( 2 ) I am XXXX XXXX. I offered to submit my Bank Statements to validate my income and told the Representative I had no problems paying my Mortgage during Covid 19. Please Help me I should be able to refinance at a lower rate without any issues.
Consumer complaint received 2021-01-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Service Bureau, Inc. (CA)

The debt is not mine, but under my sister who has same first name and last name but different middle name and different birthday from me. 

The debt collector reported the debt under my XXXX  account. 

Multiple phone calls to provide correct information, and the debt collector confirmed that the debt is not mine. In addition the debt was paid by my sister. However, it still kept the debt under my account. I filed 2 dispute through XXXX and the company both times respond to keep the same record on my account.
Consumer complaint received 2019-11-13
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)

I STARTED OFF ATTACK THESE INCONSISTENT ACCOUNTS IN XX/XX/2019 A FEW CAME OFF BUT MANY REMAINED AND I FIND THAT INCONSISTENT WITH THE REPUTATION OF THE 3 MAIN CREDIT BUREAUS ( XXXX, XXXX, EQUIFAX ) TO REPORT INFORMATION ON MY CREDIT REPORT THAT IS ACCURATE CONSISTENT AND VERIFIABLE HOWEVER MY CREDIT SCORE IS SUFFERING BECAUSE THEIR ARE MULTIPLE ACCOUNTS THAT IS PASSED MY STATES STATUE OF LIMITATIONS ON WRITTEN CONTRACTS. 

WHICH MEANS NOT ONLY ARE THESE NEGATIVE ACCOUNTS INACCURATE BECAUSE THE WAY THEY ARE REPORTING BUT THEY ARE INACCURATE FOR EVEN BEING REPORTED AT ALL. 

NEW YORK LAWS GOVERN THAT THE STATUE OF LIMITATIONS ON WRITTEN CONTRACTS IS SIX YEARS YET I HAVE PROOF THAT THE CREDIT BUREAUS ALLOWS THESE CREDITORS AND COLLECTION AGENCIES TO CONTINUE TO REPORT INACCURATE AND UNLAWFUL INFO ON MY CREDIT REPORT WHICH IS INDEED A VIOLATION OF THE FAIR CREDIT REPORTING ACT. 
Credit bureaus, if they refuse to correct information after being provided proof of inaccuracy FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv- 01743 ).
Consumer complaint received 2018-02-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (CA)

on XX/XX/2017 we sent {$1200.00} to XXXX with the company " XXXX XXXX XXXX ''. the company charges us {$12.00} as a transfer fee so total for transaction was {$1300.00} usd. When we send money usually the person that picks up the money in XXXX has to sign for the money and show their ID. when my niece went to pick up and claim for the money the company told her that the money had already been picked up at a different city. ( same company but different city/branch ) how is this possible? my niece did not pick up the money from this company. complete scam fraud. this is not money that had been given to me as a gift, we have worked hard to save this money. how is it so easy for this company to just say, " it was delivered and signed for ''. we then opened a claim with XXXX and after waiting over a month they come back and said., it was picked up and they can't do anything about it.