davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MD)

The Escrow Department for LOANCARE , LLC did an escrow analysis. They stated my XXXX County Maryland taxes were paid 4 times a year. They read the bill wrong. They kept telling me that my tax bill doubled but the XXXX County Treasury office confirmed that the taxes are only paid in two installments. I called LOANCARE today and the representative stated this was an error. With this erroneous analysis, they stated my mortgage payment would be an additional {$500.00} dollars. This was outrageous. The County confirmed it never doubled. I provided proof. ( see attachment ) On today XX/XX/XXXX, the representative saw it was entered into LOANCAREs system four times a year by error. The reps supervisor confirmed that it was an error. She put a request to have another analysis done and it should be fixed by XX/XX/XXXX. I should expect a new analysis delivered to me. If this does not happen, I will be submitting everything to my attorneys office for litigation. 

My account was also reported over 120 days late as of XX/XX/2021 on my credit report. This is inaccurate. My loan was transferred to XXXX/LOANCARE servicing in XXXX while it was still in a CARES ACT forbearance. ( see attachment ) Federal Law states there is a two month period of no negative credit reporting or fees accessed while a mortgage loan has been transferred to a new mortgage servicer. While still in the transfer period, my loan remained in forbearance while LOANCARE processed a loan modification. The modification documents show that my first payment is due XX/XX/XXXX. ( see attachment ) My credit report should have never been reported late. Again, it shows that I am over 120 days late. This is current data reported as of XX/XX/XXXX. LOANCARE has damaged my credit with this. They have broken the law.
Consumer complaint received 2018-02-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I have tried everything that I know how to do correctly, Still, XXXX, XXXX and Experian will NOT remove this from my credit report even though I have submitted this information to you 3 times already. Not only that they decided to double the amount to add insult to injury. 
This loan should have been removed 2 years ago it's NOW 11 years later & it's like gum stuck to the bottom of your shoe they seem to want to punish me for the rest of my life cause I lost my job ... ..the Law in NJ under Statue :, New Jersey Statute of Limitations on Debt Collection, SAYS -- - Demand Notes when no demand is made : 10 years. If demand made : 6 years from date of demand, ( 12A : 3-118 ( b ) ). THIS DEMAND IS PAST THE STATUE?? 
( XXXX XXXX XXXX XXXX ) I'M trying to get a better job & place to live but they, ( XXXX ) ( EXPERIAN ) ( XXXX ) NOR ( XXXX XXXX XXXX XXXX ) ARE ALLOWING ME TO MOVE MY LIFE FORWARD. WHAT DO I NEED TO DO TO HAVE THIS DROPPED FROM MY REPORT. Please help me with this is was Suppose to be Removed ALREADY ... 
Thank YOu for your assistance in this matter without your help, I don't know what to do
Consumer complaint received 2020-11-28
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. (TN)

I am a victim of identity theft. I reviewed my credit report and found the following accounts that I did not open reported on my credit file. I did not open any of the accounts collections agencies are collecting for. 

XXXX - Balance {$97.00} XXXX  XXXX / XXXX XXXX - Balance {$2200.00} XXXX XXXX XXXX - Balance {$860.00} XXXX XXXX - Balance {$2300.00} XXXX XXXX  - Balance {$2600.00} XXXX XXXX - Balance {$1700.00} XXXX XXXX  - Balance {$820.00} XXXX XXXX XXXX - Balance {$790.00} XXXX - Balance {$1200.00} The following addresses on my credit file are not my addresses : XXXX XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2016-08-29
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NC)

I have a cease and desist order in place on my mortgage loan for shady collections practices involving Ditech. Last week they violated this practice by showing up to my house and placing a collection, contact us door hanger on my front door. I contacted Ditech again today and they stated they ca n't enforce a cease and desist order. Their collections antics are not consistent between borrowers resulting in disparage treatment. I consider this an additional demand to cease and desist all collection efforts in regards to this loan.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

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 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 has violated my rights. Or list of inquiries 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 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 2024-03-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (PA)

I cant verify my account.. Ive been calling the customer support line for 2months to let them know my issue. Everyone keeps having me repeat the same exact steps just to say they cant help and to wait for an email from the higher up to go any further.. I havent received anything/ email from Cash App Higher Up concerning my problem. Its been 2 months and I want my money off my account. I got a ticket number on XX/XX/year> and still nothing!
Consumer complaint received 2019-03-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PRESTIGE FINANCIAL SERVICES INC (CA)

Prestige Financial Services debited {$440.00} out of my XXXX Bank Checking Account in ending # XXXX on XXXX XXXX, a arrangement and agreement was made between me and Prestige in writing about the XXXX XXXX auto loan payment to be included on the agreement Extension. 
Payments of {$440.00} was supposed to be implemented on XXXX XXXX and continuing payments on time. 
On XXXX XXXX around XXXX as I received a email alert from XXXX on issues and I made contact to XXXX bank and explained to XXXX  Rep on issues and filed a claim. 

Also on arrangement contract on my Auto Loan with Prestige I respectfully requested that Prestige remove and delete the 30-60-80-90 days late and Deliquency on my credit report from XXXX, XXXX and XXXX so my credit can be in prosperity. 
Prestige Account Vice President stated that she was going to remove and delete the negatives from credit report once the agreement is signed on XXXX XXXX and on XXXX XXXX the negatives will be deleted from my credit file from Credit Reporting Agencies. 
I am XXXX Lifetime, Retired and a XXXX XXXX Honorable Military XXXX and I am on my XXXX I am protected under the ADA Disability Civil Rights Act under Department of Justice.
Consumer complaint received 2021-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/2021 I was attempting to view my Trans union credit score on their own website. I went to transunion.com and clicked " view my credit score '' in the top right. I was then prompted to enter some personal information ( name, birth date, last four of social ) and credit card information. Proceeding forwards, they asked me to create a username and password before seeing my credit report. I then saw that they had charged me XXXX for a " credit protection service. '' I immediately cancelled this service, and investigated why I had been charged. 

When you click " view my credit score '' in the top right of the transunion homepage, they automatically add credit protection as a XXXX charge ( and do not let you remove this product during the process of creating an account ). This is incredibly misleading, since you did not ever ask for this product, nor is it clear that you will be charged, the banner saying that the product was selected is on the side of the screen similar to a banner add. Upon completing your account, you are charged for the product and never given a conformation you are being charged. 

Transunion has been fined by the CFPB in the past ( ironically ) for similar business practices.
Consumer complaint received 2019-03-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lendmark Financial Services (TX)

This company keeps adding information to my credit under different names. Lendmark financial, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX are all the same! They are now on my credit report twice under two names. But, are also listed under the above named companies as well. They have been harassing my family, and have called impersonating the people at the XXXX County Courthouse, telling me I've been sued and that I have a court date. They have also called me and told me they were suing me and I needed to be home between 3-5 on XYZ date to serve me papers. I was home, and no one showed up. This company is using UNETHICAL tactics to try and get money and have been readding their accounts to my credit under different names and messing up my credit. I do have a voicemail that I can email to you as well, as proof.
Consumer complaint received 2017-08-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optimum Outcomes, Inc. (FL)

I called the creditor today to ask what this was concerning and was told by a rep that this was for a medical bill at XXXX XXXX XXXX. I have never been to this facility and I am almost definite that I did not go to the ER on this day. Also, the entire time I lived in GA I had XXXX so I 'm not sure why I would owe a medical bill.
Consumer complaint received 2021-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I purchased something online with my debit card on XX/XX/2021. After i realized it may have been a scam I reached out to the merchant via the email that was provided and got no response. At that point I placed a claim with my bank BOA and they placed the XXXX back in my account. After repeated attempts to contact the merchant i gave up. The bank went into my account and removed the funds they put back and sent a resolution that I received the item which I had not. I asked them how was it possible for them to get in touch with the merchant when I had tried numerous time with no results. They sent me a USPS Tracking sheet that clearly looks like a counterfeit copy which states the item was delivered XXXX XXXX  at the front door or porch with the address of XXXX, NJ XXXX ( NO PHYSICAL ADDRESS ) how is this even possible I have been home everyday because I work from home and my dog would bark if anyone rang my bell. I live in an apartment complex and no one ever takes packages in my development. This item was never delivered and this was a scam. The bank fails to acknowledge that the package was never delivered to me at anytime. I order from XXXX all the time and have never had a problem with packages and they take a picture of it in front of the building and send it to you so you know it's there and ring your doorbell.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 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 2020-07-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (FL)

I disputed a debt that was on my credit with Phoenix financial services. On XX/XX/XXXX th 2020 The account was removed from my credit report. I never received any paperwork or documentation regarding this account. I dont even know what the account is. In XXXX XXXX XXXX the account was placed back on my credit report with out any notification. I have no knowledge of what this account is at all. I never received a notice that I had debt or they were placing account on credit. Never received a letter asking for payment or stating I could dispute the account. I want this account removed from my credit report.
Consumer complaint received 2017-04-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

USAA opened an account using variations of my information. The debt has since been paid but USAA refuses to update the records with  XXXX   XXXX   XXXX ,  XXXX , and  XXXX  that the debt has been paid.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX reporting charge off but won't send me XXXX for the charge off. This is tax fraud. I filed it as income. Income can not be stated on a consumer report.
Consumer complaint received 2024-02-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (FL)

I requested my funds of XXXX to transfer from $ XXXX to new account $ XXXX. 
Explained why I made new cash tag, no longer had phone numb or email affiliated with old cash tag, Was told to add debit card or bank account that they would further assist me, I did this far and beyond. They still have not gave my money, When you ask to speak to supervisor you never get one.

They say one will email me, over ,2 wks now, please see that only thing missing is old phone numb and email.

Same people sends money on both cash tags. Naming a few on here that are on both cash tags, I only have text talk at the moment. 
Old : : : cash tag ... $ XXXX XXXX $ XXXX People I've sent, requested, or received on both cash tags. 
# XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX That's the few if you need more I will provide. 
All I'm asking is my XXXX to be put on new cash tag. 
Last 2 payments to me were from XXXX XXXX XXXX and XXXX XXXX XXXX last name may be spelled wrong. 
Said they couldn't verify this was me, well all info giving they shouldn't have had a problem. Both tags had debit card ending in XXXX is on both tags, Respectfully and patiently waiting XXXX XXXX XXXX Ss last XXXX ... XXXX XX/XX/1963 Thank you XXXX XXXX
Consumer complaint received 2019-05-31
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. (TX)

XXXX  and Transunion are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 18 19 and 31 40 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1.  This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2021-06-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

This is my second complaint. My first one was XXXX I have my account under review since more than 3 weeks! I sent all the documents and information and I started operating and I've sent XXXX euros and after operating for the first time they blocked my account with my money freezing. I cant operate, I cant withdraw my money. Its unacceptable. 
When it was my first CFPB complaint was completed they unblock my account and gave me XXXX for the inconveniences. 
8 hours later they blocked my account again. I couldn't believe. 
Please I only need my money back. 
I opened a lot of incidences directly with the company : XXXX XXXX XXXX XXXX XXXX They closed the incidences without any solution. 
I'm desperate. I'm very disappointed with this company.
Consumer complaint received 2018-02-01
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. (LA)

There is a {$57000.00} auto loan, on my credit report from XXXX XXXX I have contacted them over and over again. I do not own nor have I signed for a XXXX truck, I asked them to remove the negative item off my credit report, because it is a error and fraud. They said, that they would investigate the matter and I didn't receive any update status etc. The collection account, is just remaining on my credit file and hurting my score and was in the process of doing a home loan and lost the loan, because XXXX, reopened the collection accounts investigation account and re-aged the collection account any score dropped 67 points. This is a case of fraud and poor accounting/bookeeping/poor management, on the part of XXXX. They should know without a doubt, whom they have sold a truck to for {$57000.00}. I never went into the dealership, gave my information, signed and agreement or contract, nor have I co signed or taken or received a truck from their company and it is causing me great hardship and harm. XXXX refuses, to correct their error, on my credit report. 

XXXX  transuinon and XXXX, are required to have a copy of all signed agreements /contracts in hand before reporting any accounts to the credit reports. This requirement, is in place, so that a account, can not be reported, without be verified and have sold proof, that the account actually belongs to the person, it is being reported for. 

There has been no validation/verification, because there can not be one completed as this is not my truck or debt and none of the parties are showing any professionalism and morals, by refusing to correct a clear and present error.
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have contacted several times the Credit Bureaus XXXX XXXX, and Equifax asking them to verified this misleading information, each of credit reporting agencies has a different amount on my report, XXXX  {$1000.00}, Equifax {$1000.00}, XXXX  {$1000.00} They keep sending me a response that the account has been verified. I have contacted the collection company several times ( XXXX XXXX XXXX ), I obtained the contact address from my XXXX  report and send them a verification letter of the collection. and the letter was unable to forward because it was an inaccurate address. Obviously XXXX has an misleading information on my credit report ( wrong collection information, address, amount of debt, etc ) and also XXXX, refused to delete old addresses in my credit report that way I avoid Identity Theft. Some how the collection company contacted me and sent me a statement attempting to collect a debt with different amount as well {$95000.00}. I noticed on the statement I'm a joint account holder of an apartment lease. I ask them for verification and until this day they just keep sending me the same statement with no other explanation or contract with my signature, etc. Equifax, XXXX, XXXX  has inaccurate information and failed to verified account and XXXX XXXX  XXXX is attempting to collect a debt that is not mine. I request them to remove it from my credit report immediately. I also Filed a Identity Theft Report Thank you, Look forward for your response.
Consumer complaint received 2019-03-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NC)

For the past 2 years, I have been attempting to get the full details of any Student Loans and my taxes have been seized due to a frivolous loan statement that is sent when I request for full documented information concerning me trying to borrow money for a Student Loan ( s ). I have requested a full detailed paper trail of the loan, the schools my full signature on any and all paperwork and XXXX and NAVIENT both failed in providing the accurate description. I feel now that I must file for a hearing to deal with this problem.