davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NY)

Discover Financial closed my credit card account inappropriately. I have been a loyal customer to Discover for 10 years and never missed a payment ever. I entered into a payment program in XX/XX/XXXX to pay down my credit card through discover, it was paid off in full in XXXX of XXXX. They never re-opened the account, and then I get an email in XX/XX/XXXX stating that they are closing my account. This has directly negatively affected my credit score that I have been working so hard to rebuild because now my oldest account has been closed and my available credit amount has been decreased by {$9400.00}. How can a company do that to such a loyal customer who has never missed a payment and was only taking advantage of the programs that Discover bolsters and brags about to help people make payments. I was given no answer to why my account was closed and when I spoke to the executive office on XX/XX/XXXX they state " we can not tell you what we look at because it's an internal process. ''
Consumer complaint received 2022-02-17
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 reached out to equifax by letter and informed them not only that this wasnt my account. I also addressed the fact that the account on my equifax report was showing two collections account with no original creditor. I never received a reponse and this account is still showing on my credit please help.
Consumer complaint received 2021-09-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (FL)

Coinbase Listed XXXX last week XXXX so The Whole Week & Weekend Was A Mess if you Were A Buyer Of XXXX on Coinbase .Today after 15 emails they Responded with a computer program email .I am Out est - $ XXXX From The Time Of Buying, I can't go back and figure the cost out because the numbers have a changed ..I went from {$7200.00} on the XXXX and XXXX on the XXXX The Balance was {$710.00} .So To Be Truthful I don't know the True Math Or Numbers .All Because they Forgot A Zero ( 0 ) when they Listed XXXX .Showing I XXXX not XXXX and, XXXX not XXXX and XXXX not XXXXThey Forgot the Zero ( 0 ) .I went to XXXX to verify the numbers of all the sites selling XXXX and Coinbase was missing a Zero ( 0 ) .I tried to message Coinbase with No Luck of Getting My Balance Back .Now I'm here hoping for some help .Thank You XXXX XXXX
Consumer complaint received 2021-09-14
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. (IL)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data Breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (IL)

I received notice in XX/XX/XXXX that my mortgage with XXXX XXXX was being transferred to LoanCare , LLC. I was provided a new account number and was informed that I would need to send my monthly mortgage payment to LoanCare ( beginning in XX/XX/XXXX ) under the new account number. I had not received any address information for making the change for direct deposit services - so I continued to send my mortgage payment to XXXX XXXX. 

In late XXXX I finally received a statement from XXXX XXXX " Serviced by LoanCare '' ( I had previously over the years received a coupon book for payment annually ) with the details of my last 3 payments being made on time but now there was also a new charge for {$100.00} added under " Total Fees and Charges '' with no explanation of what this new fee was for. 

I paid my normal mortgage amount to the new address provided in the statement with the new account number and called the LoanCare Customer Service number at XXXX. I asked about the additional fee in the statement and, after some checking, the operator came back to say it was for a late payment in XXXX and XXXX. I mentioned that I had never received any information from XXXX XXXX over the last EIGHT years that any unpaid late fee was due. The operator responded that I needed to have XXXX XXXX confirm this ( note : the operator ended the call by saying " thank you for calling XXXX XXXX. '' When I tried to contact XXXX Bank at their Customer Service XXXX the prompt to confirm my account indicated it was now being serviced by LoanCare and then hung up.
Consumer complaint received 2022-09-14
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. (MO)

I am submitting this CFPB complaint to follow up the previous complaints I submitted with regards to erroneous accounts I found on my Credit Report. The XXXX, XXXX, and TransUnion Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Also, the 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. Below are the accounts that are erroneously reporting on my Credit Reports : XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX ACCT XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2020 U.S. Bankruptcy Court
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2020-08-22
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. (NC)

MY INFORMATION WAS USED TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I DID NOT OPEN THESE ACCOUNTS THEY DO NOT BELONG TO ME IT IS NOT MY DEBT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Upon checking my XXXX credit report I noticed a fraudulent account had recently been placed on my credit report I called XXXX XXXX and the agent could give me any information on the account but only advised me to sign up for a service they offer so they can help my get the fraudulent account removed from my credit report for {$99.00} a month then the agent started asking me personal questions about me what my social security number date of birth and my email and my telephone number made me very uncomfortable after collecting all that information he informed me that he was going to get access to my credit report so he can challenge the fraudulent account for a {$99.00} fee I told him no way I can do that on my owe any how I file a police report with my local police department in XXXX California please remove this information its not mines and I have never done business with XXXX especially around the time of XX/XX/2023 XXXX
Consumer complaint received 2021-09-28
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. (GA)

I have submitted many disputes against the three major credit bureaus. Some case numbers are XXXX, XXXX, and XXXX. I haven't received any communication from either bureau. They are violating my rights, and most notably 15 U.S.C. 1692g.
Consumer complaint received 2021-07-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (OH)

I am selling my home on XX/XX/XXXX. My XXXX payment was auto drafted on XXXX ; on XXXX I called to cancel my auto draft so that it would it not draft in XXXX. Well 9 days later XX/XX/XXXX ; I payment was drafted again and it overdrew my acct. I called to ask them to reverse it and they state that it would take 3-5 business days. Well I have bills due tomorrow but now I will not be able to pay them and they are not assisting me for their error. Mind you I called in to cancel with a live person and instead of canceling my auto draft he changes the payment date.
Consumer complaint received 2020-08-22
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. (DC)

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts and inquiries that are on my credit that are not mine. I do not recognize these accounts and inquiries, and have never incurred debt with these creditors. I do not know where they came from.
Consumer complaint received 2020-07-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Federal Credit Control, Inc. (AR)

On XX/XX/2020 I Contacted this company to ask them about the debt I seen on my credit report that I knew I did not owe, since I had XXXX on the service date of XX/XX/2020. The Original debt was from XXXX XXXX XXXX  XXXX XXXX. 
When I contacted FIRST FEDERAL CREDIT CONTROL INC, They hung up on me when I tried to explain to them That I have Insurance and that this should not be on my credit report. When I called back and talked to another person they threatened to sue me for this debt I do not owe. I would like fraudulent debt removed from my credit report. I also tried to give them my XXXX number as well. 
Thank You.
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear to whom it may concern, My name is " XXXX XXXX ", I am writing this request for these inaccurate items that are listed below to be reinvestigation. If accurate, they have to be removed off my credit report in 30 days according to Fair Credit Reporting act. I will be validating all debts from these creditors and filing complaints on all parties to Transunion, XXXX, XXXX and every creditor reporting the above items ) and filing lawsuit if not done. 
**Name** XXXX XXXX XXXX **Address** XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX **EMPLOYMENT INFO** XXXX  XXXX  XXXX XXXX PLEASE REMOVE THESE ADDRESSES AND EMPLOYMENT INFORMATION BELOW AS THEY DO NOT BELONG TO ME AND THE INACCURATE INFORMATION BELOW IS PREVENTING ME FROM OBTAINING CREDIT I BELIEVE IT MAY BELONG TO SOMEBODY THAT HAS A SIMILAR NAME AND ADDRESSXXXX % % **Auto Loans** XXXX XXXX Reported : XX/XX/XXXX This collection account is not belong to me. The original creditor don't have any signed contract with me. The collection agency has no account number or contact information associated with the account on my credit report and demand this is removed immediately. 
XXXX XXXX Reported : XX/XX/XXXX This charge off account is not mine. Please delete it immediately XXXX XXXX Reported : XX/XX/XXXX This charge off account is not mine. Please delete it immediately **REAL ESTATE LOANS** _XXXX XXXX Reported : XX/XX/XXXX This account is account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 
**Hard Inquiries** XXXX XXXX XXXX Inquiry : XX/XX/XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS  VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS  VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX XXXX XXXX Inquiry : XX/XX/XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION
Consumer complaint received 2018-06-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

I was XXXX XXXX XXXX college XXXX in XXXX XXXX and I had a student loan previously with Sallie Mae and after become Navient.I am struggling with payment option because my income is low and they ruin my credit.
Consumer complaint received 2018-06-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX contact Experian to request validation debt and as of today I have not received documents. 
XX/XX/XXXX sent certified letter tracking # XXXX XXXXXXXX XXXX {$2900.00} requesting validation letter. As of today XX/XX/XXXX I have not received document.
Consumer complaint received 2020-07-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have already file a Claim in XXXX 3 times but they do not take this card that is fraud off my credit. They send me a letter from my last complaint saying that it was the first time they heard of the fraud. 

Its a LIE I have filed and its still in my XXXX Credit Report. Remove the credit card off my credit. Under the H.R. 5332, the Protecting Your Credit Score Act of 2020 I DEMAND TO BE FIXED BY THE CFPB or will take  legal action.
Consumer complaint received 2015-12-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (GA)

Informed by CHASE bank that the servicing rights to my mortgage loan was to be handled by another company and as of XXXX XXXX, 2015 they could no longer accept my mortgage payment. Also, informed by CHASE bank that they were missing a payment that I show through XXXX XXXX XXXX the payment was negotiated ( cashed ) as all payments are sent through credit union. CHASE bank also increased my escrow requirements more than XXXX just before the transfer and did not justify. I made contact with local tax office and insurer and the billings do not justify the increase. CHASE letter provided a number and address of XXXX and the contact information failed to produce a person to speak with only a recording of information that is to come at a future date. CHASE says they can not correct the records even with proof as my account is now with this company that is only represented by a recording that goes into a continuous loop. CHASE sabotaged my mortgage account and forwarded my loan to a closer ( forecloser ) with incorrect information and refuse to provide the details of their inappropriate action.
Consumer complaint received 2022-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (GA)

In XX/XX/2022 I received an offer for a {$100.00} statement credit after {$500.00} in purchases during my first 90 days with Comenity. I satisfied the requirement by XX/XX/2022 but never received the {$100.00} credit.
Consumer complaint received 2020-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

REQUEST FOR FREE XXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the  automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-07-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (GA)

I sent this company a validation of debt letter on XX/XX/2020 and I failed to receive a response. I sent another one on XX/XX/2020 and I still have not received a response. Yet, this company continues to report this debt on my report and I am not sure if it is accurate as this company refuses to respond to any notifications about this debt. Also, this company has not made any effort to notify me that I owe this debt in any way shape or form.