davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc. (CA)

I purchased cryptocurrency from crypto.com back in XXXX. Charge was made to my bank account but they didnt send me coins so I contacted to customer service. I didnt hear from them so I decided to dispute. Little while later, they froze my crypto account so I couldnt access to my asset for almost two months. I contacted to customer service again and they said the dispute was problem. I was told coin I didnt received was credited but I disputed so they froze my account. I didnt know they credited because I couldnt access to my account! So I had no choice but cancel the dispute. They finally unfroze my account and I found out they took the coin they credited. I already canceled dispute so I told them I want either coin back or refund. I provided the proof of the cancellation the bank gave me. But they kept saying that they accepted the chargeback so I have to ask my bank to release the funds. I called bank but they said chargeback or refund or money back are all go straight to my account. Bank dont hold the money and they dont even see any money came from crypto.com. I told them that but they are just keep saying they already accepted the chargeback so they cant assist further. Im still fighting with them but I need someone elses help. I dont thin my theyll give my money back.
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it to Equifax Credit Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous late open accounts reporting on my Credit Report : XXXX $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX $ XXXX Opened : XXXX XXXX, XXXX
Consumer complaint received 2021-07-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A. (FL)

I opened my citi checking with {$1000.00} and savings with {$1000.00} online with the understanding that {$1500.00} between accounts was required.They have taken over {$500.00} in fees and continue to do so.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am formally filing a complaint against XXXX, XXXX, Equifax, and XXXX XXXX regarding the inaccurate reporting of my credit information under the CARES Act. My name is XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, Florida XXXX. The purpose of this complaint is to seek your assistance in addressing the discrepancies in credit reporting that have negatively impacted my financial standing. According to the CARES Act, enacted to provide relief to consumers during the COVID-19 pandemic, lenders are required to report accounts as current under certain circumstances, particularly when consumers are facing financial hardships such as unemployment. I have encountered a situation where this provision was not appropriately applied by the credit bureaus and XXXX XXXX, and it has adversely affected my credit report.
Consumer complaint received 2022-09-09
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. (NC)

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 2021-09-10
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. (FL)

My problem is with getting errors corrected on my Experian report. I have been denied credit twice within the past two months based on information from Experian. XXXX XXXX denied a credit card application and I was denied financing a smartphone with XXXX, too. Both companies stated an open bankruptcy case listed in my Experian report was the reason for the rejection. My XXXX and XXXX reports are mostly accurate. Though, Experian incorrectly shows that I have an open Chapter XXXX personal bankruptcy case and omits the fact that I've had an auto loan in good standing with XXXX XXXX since XXXX of XXXX. My credit score with Experian is about 90 points lower than the scores from XXXX and XXXX. 

I filed a dispute about the inaccurate personal bankruptcy listing with Experian. In XXXX, I filed a Chapter XXXX bankruptcy case, but we withdrew and the case was dismissed later in XXXX. After encountering numerous errors on the Experian website 's upload feature, I finally uploaded information from the federal bankruptcy court 's PACER system that clearly states the case was dismissed in XXXX. Nevertherless, ONLY Experian continues to show the case is still open. I called Experian on XX/XX/XXXX and spoke to " XXXX '' in consumer service. XXXX placed the blame for the wrong case status on information provided by XXXX. I have requested my consumer file information from XXXX, but have to wait because the report is only available by US Postal Service mail XXXX not electronically. I have been unable to find any way to file a dispute with XXXX. I provided Experian evidence the case is dismissed and closed and I want their error corrected immediately. 

Regarding my omitted auto loan, there is no method for adding or disputing missing accounts on the Experian website. On XX/XX/XXXX, I performed an online chat with an Experian representative who insisted that I had to call Experian to discuss the matter. So, I called on XX/XX/XXXX and discussed the missing information. The representative placed the blame on XXXX XXXX. I know this is not true, because my auto loan account appears on XXXX and Experian reports and is accurately updated every quarter. The same day, I called XXXX XXXX customer service and was advised that my pay history is sent to Experian at the same time it is sent to XXXX and XXXX. I requested XXXX to send my account history to Experian again. The XXXX XXXX account still has not shown up on my Experian report. I want my auto loan and excellent payment history notated in my credit file at Experian immediately.
Consumer complaint received 2024-02-28
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. (NJ)

I just recently looked at my Equifax credit report XX/XX/XXXX. I saw some hard inquires that did not have permissible purpose. i also attached evidence. 

XXXX XXXX XXXX - XX/XX/XXXX : This inquiry have no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B XXXX XXXX XXXX - XX/XX/XXXX : This inquiry have no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B
Consumer complaint received 2022-09-09
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. (GA)

In accordance with the Fair Credit act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia (VA)

On or about XX/XX/2021, I went to the emergency room for XXXX like symptoms at XXXX XXXX XXXX. I was very XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX was elevated and I was unable to drive to XXXX to the VA Medical Center. I attempted to make payments and since the account balance I have struggled with XXXX and XXXX and have stopped working. I'm not XXXX XXXX XXXXXXXX and now attempting to live on a fixed income. I initiated a call to XXXX XXXX today and spoke to XXXX and was advised that my account was sent to Collections : Credit Control : I never received a call from XXXX XXXX or any letters and if so I would like to see proof of such. I also didn't receive any letters from Credit Control stating they are servicing an account for me. I thought the Medical Accounts due to possible XXXX exposure could be forgiven? It's sad that someone that has served this country is being threatened to have such a small bill placed on their credit by XX/XX/XXXX or pay 30 % of a balance which I don't know is even correct.
Consumer complaint received 2021-09-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (FL)

THIS COMPANY IS FAILING TO PROPERLY ACCOUNT FOR LOAN PAYMENTS THAT ARE APPLIED TO THE PRINCIPAL OF THE LOAN. YOU HAVE TO WAIT FOR AN EXCESIVE AMOUNT OF TIME FOR BRIDGECREST TO APPLY THE AMOUNTS TO THE PRINCIPAL WHICH MAY CAUSE A DELAY IN PROPERLY APPLYING ACTUAL PERIODIC LOAN PAYMENTS TO THE LOAN. WHEN THEY ARE CONTACTED, THEY CONTINUE TO FAIL AT APPLYING THE AMOUNT PROPERLY AND CORRECTING THEIR ERRORS. THIS COMPANY NEEDS TO BE FINED AND PAY PENALTIES FOR THEIR OUTRAGEOUS PRACTICIES.
Consumer complaint received 2024-02-28
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: EQUIFAX, INC. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 2022-09-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (GA)

Seven days after applying for a home loan with rocket mortgage XXXX would not provide a loan estimate worksheet after repeated requests. it wasn't until I asked to be a signed a different agent that he finally provided it.

Rocket Mortage ( XXXX : ) XXXX
Consumer complaint received 2017-10-02
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: JPMORGAN CHASE & CO. (FL)

XXXX XXXX XXXX XXXX is freely allowing fraudulent credit card applications to be opened under my name ( happened 10 times ) and making hard inquiries to my credit report each time. Reference : XXXX XXXX XXXX credit card as the exact card attempting to be opened. Most recent incident XXXX XXXX, 2017. 

This has created a significant hardship to me personally, as each hard inquiry amounts to a reduction of my total credit score. 

I have taken every available step to protect my identity to avoid this from happening ( frozen credit, fraud protection, pass phrase and PIN protection ), however, XXXX XXXX XXXX XXXX continues to allow the fraudulent credit card applications to happen.
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HSBC NORTH AMERICA HOLDINGS INC. (WI)

Bank never provided copy of the check that bank stated bank sent to me in case # XXXX. 

I need to see the proof of check sent and the proof that check was actually cashed, to see front and back of the check.
Consumer complaint received 2018-06-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Finance LP (PA)

Dear sir 's, I am writing to complain about our finance company. the name is Selene finance out of XXXX  Texas. We had started a process of refinancing with XXXX XXXX XXXX XXXX  in XX/XX/XXXX. Our personal contact was with XXXX XXXX XXXX. Working together we started the process which we understood to only be a thirty day process. W e helped pull our credit history. XXXX XXXX  scores were XXXX, XXXX, XXXX. Mine ( XXXX ) were XXXX, XXXX, XXXX. We contacted Selene and asked for a payoff amount, We had tried almost daily to get through, only to be told " we are experiencing high call volume '', and put on hold. XXXX XXXX tried contacting them also with the same results. When they finally got thru to someone, Selene said we were in an open bankruptcy. It was a lie. Selene has delayed the process so long that we were past our deadline and would have to start all over again, it's been almost 50 days. My husband has XXXX XXXX XXXX, he got while serving our country in XXXX  ( XXXX XXXX ), his hope was to get out of an open interest to a fixed rate before his health got worse. The stress of this whole situation has been so rough on him. He was looking out for me. We have tried to get them to send a payoff statement, the last one was the first week ofXX/XX/XXXX, iam still waiting for it. The false information they gave has cost us more than just time, it has caused us so much stress. Thank you for any help you can give, Sincerely, XXXX  & XXXX XXXX
Consumer complaint received 2020-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (CA)

I have sent a ID Theft letter and police report several times to this debt collector and they refuse to remove this debt that was involved in identity theft and are attempting to collect a debt that was involved in identity theft. The account is under the name XXXX XXXX for XXXX XXXX. I have never used that name.
Consumer complaint received 2017-10-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (TX)

My mortgage servicer is Roundpoint. I have had ongoing problems with their escrow and insurance department. Recently, they increased my monthly payments, claiming it was because my insurance rate went up. However, my policy with my insurance agent was set to expire on XX/XX/XXXX, and I am not renewing with that company. I notified Roundpoint of this, and the agent I spoke to on XX/XX/XXXX, XXXX, claimed that their insurance department received a statement from the insurance saying that my insurance was going up {$200.00} per month. 
I contacted my insurance agent and confirmed that this never happened, and that the renewal estimate they sent me ( not the Mortgage company ) was nowhere near a {$200.00} increase per month. 
When I spoke to XXXX in the insurance department on XX/XX/XXXX, they claimed the increase was for another home owners insurance policy from another carrier ( XXXX ). I had trouble confirming the policy with that carrier, and had never authorized Roundpoint to pay them. My policy had been through XXXX the whole time. I asked Roundpoint for some proof that I authorized them to make a payment to XXXX, and they could n't produce it. The agent event stated that there was no record that they ever sent me any written documentation or confirmation of the change ( email or regular mail ). She stated they had left me a voicemail message 4 months prior, and because I had not responded to that, they decided to pay and enact the new policy because it was a lower premium, despite no authorization from me. Then they claimed that they were increasing my payments {$200.00} per month to cover the money they sent XXXX, again which I never approved, never authorized, and they NEVER sent me anything in writing to document the change.
Consumer complaint received 2020-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Second Round Limited Partnership, Austin, TX Branch (NY)

Im a victim of identity theft someone got my card and used it to buy stuff and now the company wants me to pay for it, when I first noticed it I called XXXX XXXX and told them they even canceled that card
Consumer complaint received 2020-03-22
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. (NY)

Im a victim of identity theft someone got my card and used it to buy stuff and now the company wants me to pay for it when I first noticed the faurd I contacted XXXX XXXX right away and let them know.
Consumer complaint received 2022-09-09
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: Experian Information Solutions Inc. (TX)

Submitted disputes with XXXX, Experian, and XXXX regarding Public Record being inaccurately reported on my reports XX/XX/2022. Each bureau stated the information was verified by XXXX XXXX.
Consumer complaint received 2021-07-05
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I disputed several items on my credit report to Transunion and XXXX regarding XXXX XXXX XXXX XXXX. I never knew WHO, WHAT or WHERE this debt came from and I asked both the company and both credit reporting agencies as PROOF of this debt. There was no proof of this being my account, and yet, it remains on my credit reports as a CHARGE-OFF.

XXXX XXXX XXXX  is yet another collector using illegal practices. I graduated from XXXX  in XXXX  of 2016. And yet, this company has listed this as a NEW debt 4 years later. I have never even heard of these people. Old debt can't be listed as new debt.
Consumer complaint received 2018-06-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE (CA)

Hello, I was reaching out because I had an issue with a debt I had. I got into a situation where I had too much debt and douldnt pay everything. I starting working with a consolidation company, My issue is with one of my creditors XXXX the consolidation company actually negotiated a settlement amount that was to be made in 3 consecutive payments and the account would be settled. The first 2 payments XXXX accepted and they went through, the third payment they rejected. This defaulted the settlement with them, because of this issue I stopped working with the consolidation company. Since then XXXX has sold my debt to a third party collection agency and now refuses to speak with me regarding the matter even when I tell them I am disputing. I am trying to see if there is any help for me out there. This does not seem like it would be ok to do.
Consumer complaint received 2017-10-02
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Knight Adjustment Bureau (UT)

I had several years ago auto loan in one bank with amount of XXXX . I got sick and stayed without job. They have given debt loan to other bank- XXXX XXXX Utah . I did n't understand that transition and did n't know I need to pay that other bank because I did n't have open account in that bank. That other bank did n't even want to talk with me when I tried to solve problem. They have just said They give me on collection to the collection agency '' Knight Adjustment Bureau '' Utah. They rejected my offer and charged me with extreme rate.
Consumer complaint received 2022-03-31
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: U.S. BANCORP (NC)

My credit was pulled by XXXX XXXX XXXX on several ocassions. I didn't apply for credit or authorize a credit inquiry. I want them removed asap. The dates of the inquiries are XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 
The same for US Bancorp XX/XX/XXXX XX/XX/XXXX and lastly XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXXXXXX-Balance {$310.00} XXXX XXXX XXXXXXXX-Balance {$5000.00} XXXX XXXX-Balance {$0.00}
Consumer complaint received 2017-10-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC. (VA)

Good Morning, I have been dealing with Exeter Finance Corp in trying to pay off my XXXX XXXX XXXX ( a minivan ). I called Friday, XX/XX/XXXX to get a payoff quote. I was quoted {$4100.00} and some change. I asked if that included all fees and that was all I owed. I was told yes and that the payoff was good through XX/XX/XXXX. 

I called back today XX/XX/XXXX to make the payment and was told I owed almost {$4400.00}. When I asked how was that possible they told me extra fees had been added. They said they had been added after I called. Why were they suddenly added after I called for a payoff? And when I asked if that included all fees in the first call she said yes. 

This company has been featured on XXXX XXXX XXXX with XXXX XXXX as having predatory lending and underhanded business practices. Several Class Action lawsuits have been filed against them already.