davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-03
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 — Investigation took more than 30 days
Company: MARINER FINANCE, LLC (PA)

I have reviewed a copy of my credit report and I show company MARINERFIN account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2022-04-26
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. (VA)

in accordance with the Fair credit reporting act EQUIFAX has violated my rights. 15 u.s.c 1681 section 602 A. States i have the right to privacy 15 u.sc. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 

PLEASE SEE DOCUMETS I OBTAIN FROM THE COURTS STATING THAT THEY DID NOT FURNISH ANY BANKRUPTCY ON MY REPORT. 

EQUIFAX HAS YET TO RESPOND CERTIFEID MAIL # XXXX SENT XX/XX/XXXX DELIVERED XX/XX/XXXX
Consumer complaint received 2021-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (FL)

Quicken Loans has a serious issue with home insurance not purchased by them, probably because they want to force you to buy their insurance as they are probably receiving commissions from the insurance companies they are working with. 
Because I had problems last year with this issue, I got Quicken Loans to inform me that I could go myself to https : //www.mycoverageinfo.com/QuickenLoans and upload my own insurance policy documents. 
I uploaded the insurance policy on XX/XX/2021. Anyway, Quicken Loans went ahead and purchased an insurance policy with XXXX XXXX XXXX XXXX on my behalf claiming that they had not received the policy I had submitted. I called on XX/XX/2021, at XXXX ET to complain and I was instructed to upload the policy again today, on the same website, which I did.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

To whom it may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts. 

Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and are in compliance then you must remove the account from my credit report. 

I have attached my ONLY 2 forms of ID to this complaint
Consumer complaint received 2021-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (FL)

I opened a Chase Business XXXX  credit card on XX/XX/21 and I have been having constant issues with making purchases. Each time I try to use the card, it is flagged as fraud and I have to go through a lengthy process of calling into the fraud department in order to unblock the card. It is flagged no matter the amount. It was even flagged while I tried to make a {$10.00} food purchase. This is a business credit card so it is hard to grasp why simple purchases are being blocked because the expected volume of purchases is obviously higher than on personal cards. 

Furthermore, I am not given any notice by Chase when the Business XXXX  card is blocked. In fact, I am only made aware of this when my transaction gets declined, which is understandably embarrassing. I have paid the balance in full each month since opening the account so there is more than enough available credit to cover my purchases, and yet they are still declined. 

Each time I call Chase, I am told they will 'fix the issue ' and yet it is still occuring.
Consumer complaint received 2021-05-03
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: AMERISAVE MORTGAGE CORPORATION (FL)

Amerisave has the worst customer service of any mortgage company I have ever dealt with, from the start I should have realized when it took much longer to close and getting loan officer to call back took multiple tries. Amerisave mortgage is not reporting my payments and says that I show being in an active Bankruptcy 7 months after it was discharged. I informed them in the beginning of XX/XX/2020 that it had been discharged in XXXX. I have on multiple occasions told them and a simple look at my credit report reflects this information but amerisave refuses to correct the information and report my payments. My online account with them has been locked since we filed in XX/XX/2020 and they charge {$11.00} to make over the phone payments. They did inform me I could mail check payments in however this is very inconvenient and would not be an issue if they corrected the information on their end. I requested information from a customer service representative named XXXX about a the break down of my payment and the escrow accounts and was told that it was against company policy to give out this information without a written request for accounts under an active bankruptcy. She told me to speak to XXXX the Loan Processor which I left 2 messages for today.
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: United Revenue Corporation (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-05-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I filed a dispute with XXXX  XXXX Bank ( USA XXXX Na over 30 days ago and they have yet to respond to my Affidavit Of Truth, which was sent to them via certified mail. Which they received on XX/XX/21 and they have failed to answer. I informed XXXX XXXX Bank ( USA ) Na that I am disputing their claim. Moreover I requested that XXXX XXXX XXXX ( USA ) Na supply me with copy of the contract with my authentic signature and their authentic signature which makes the contract legal. XXXX XXXXXXXX Bank ( USA XXXX Na never provided a copy of contract with my authentic signature or their authentic signature and continue to report this account to the credit reporting agency. This account should have been deleted off the CRA files. Further more the fair credit reporting act regulates how creditors handle consumers dispute. The statue states that when a consumer disputes any item the creditor should conduct a reasonable investigation within 30 days to determine if the challenge item is correct. After 30 days have expired if creditor have not completed the investigation the disputed item must be deleted. Finally XXXX  XXXX Bank ( USA ) Na failed to report the dispute to the CRA which is a violation of the FCRA section 623 and carries a fine. XXXX XXXX Bank ( USA ) NA has failed to show burden of proof 15 U.S. Code 1643 ( b ) Burden of proof In any action by a card issuer to enforce liability for the use of a credit card, the burden of proof is upon the card issuer to show that the use was authorized or, if the use was unauthorized, then the burden of proof is upon the card issuer to show that the conditions of liability for the unauthorized use of a credit card, as set forth in subsection ( a ), have been met. XXXX  XXXX Bank ( USA ) NA has failed to reply to the affidavit, its has been well over 30 days. I am asking that all negative remarks be removed from my credit file which XXXX XXXX Bank ( USA ) NA falsely created.
Consumer complaint received 2021-05-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (ID)

COINBASE  HACK My coinbase account was hacked this morning at XXXX. They managed to ta take {$12000.00} plus of my investments. Leaving {$24.00}. They also managed to take {$1000.00} out of my bank account attached to coinbase. The Ip address XXXX and the email that was used XXXX Not sure at this point if I will get any of the money from coinbase. My bank is working on getting my {$1000.00} they managed to take from my personal account. 
Coinbase is supposed to be safe and secure. The only way I can contact them is through email ... I have had no reply. This is alot of money and hard to swallow. And I'll I get is an email to send my concerns to ... scary guys.
Consumer complaint received 2021-11-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Credit Network Inc (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I believe I am a victim of identity theft. I have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I decided to look at my credit reports from the XXXX and XXXX Credit Bureaus and found that this FINANCIAL CREDIT NETWO ( Original creditor : XXXX XXXX XXXX ) was reporting to be negative on XXXX and XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file.
Consumer complaint received 2021-11-11
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Alliant Capital Management LLC (MA)

On XX/XX/21 and XX/XX/21, I wrote cease and desist emails to Alliant Capital because I was receiving phone calls with detailed voicemails that disclosed existence of a debt. My family members were also receiving phone calls and voicemails, despite their names clearly being stated in the voicemails. I have a credit alert on my credit due to being a victim of released confidential information, and I never received any information regarding a debt. I am also aware I should receive notification of the debt prior to phone calls. In the voicemails, I am being threatened with future action or determination regarding the matter, both calls occurred after I emailed cease and desist letters to the company. I also alerted the Massachusetts Attorney General and nothing is being done.
Consumer complaint received 2021-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (MT)

Well, this complaint is about Comenity Capital Bank. I applied and was approved for a {$2500.00} limit on a new XXXX card. When I received the card in the mail, I realized it was NOT the Visa but the just regular card. I call and request that the card be converted. They inform me they can not do that, and I will have to cancel the card and reapply. I reapply and guess what? DENIED. There reason : " to many inquires '' So, I think that is very unprofessional, and I was not expecting anything, I just wanted them to do what they said they where going to do, and give me the VISA card.
Consumer complaint received 2021-06-22
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (KS)

I was contacted several years ago about a debt being owed to Ace Check Cashing for a loan I told them that I had never contacted them about alone I've never received the one from them They said it was online Through their Website I Told then that I had been a victim of identity theft And they even said they would write it off as fraud This was charged off in XXXXAnd the collection agency that now has the account received it 2 months agoXXXX XXXXAnd that I was not employed in XX/XX/XXXXj
Consumer complaint received 2021-06-22
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: AMERICAN EXPRESS COMPANY (MD)

I was a victim of identity theft. This account is not mine nor it was authorized by me. I don't know who did this to me. 
I'm trying to get control of my credit so please investigate this.
Consumer complaint received 2021-05-03
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. (MA)

HI XXXX 'S! How did you actually verify this account? Impossible! I've contacted this company several times for the last XXXX months because you're reporting old, obsolete, and trying to collect a debt that's beyond the statute of limitations. When i even contacted XXXX XXXX to see if i can resolve the {$700.00} balance, many of the representatives and managers stated that unfortunately, they can not collect the debt because it's paying the statute of limitation that they had submitted a correction to the credit bureau back in XX/XX/2021 to delete this account from my credit report. You are reporting incomplete, misleading, and multiple innaccuracies. You are causing me so much XXXX  and medical issues on this account. I'm trying to buy a house and my mortgage company stated that this account is too old to be reported but it's causing issues with my credit score and DTI.
Consumer complaint received 2021-01-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My due date was changed last year and I have tried since about last XXXX to get the date changed to a later date due to only receiving one check a month and they have not changed it yet they are attempting to charge late fees how to fix this
Consumer complaint received 2021-01-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Home Loan Center, Inc. (TX)

Greetings from LENDINGTREE Mentioned below are the entire details of the Loan Contract of XXXX XXXX If you are interested in this loan and are also comfortable with allthe terms and conditions including the 3- Step verification procedures mentioned in this document. 
NOTE : LOAN ID mentioned in this email is highly confidential ; there for you are suggested not to share it with anyone apart from our verification n officer available only on ( XXXX ) XXXX XXXX.
Consumer complaint received 2021-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

HI XXXX 'S! How did you actually verify this account? Impossible! I've contacted this company several times for the last 6-9 months because you're reporting old, obsolete, and trying to collect a debt that's beyond the statute of limitations. When i even contacted XXXX XXXX to see if i can resolve the {$700.00} balance, many of the representatives and managers stated that unfortunately, they can not collect the debt because it's paying the statute of limitation that they had submitted a correction to the credit bureau back in XX/XX/2021 to delete this account from my credit report. You are reporting incomplete, misleading, and multiple innaccuracies. You are causing me so much XXXX and medical issues on this account. I'm trying to buy a house and my mortgage company stated that this account is too old to be reported but it's causing issues with my credit score and DTI.
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XXXX, XXXX of XXXX and XX/XX/XXXX I was late on payments for XXXX XXXX. During the month of XXXX I was very ill due to XXXX complications which caused me to be unconscious and missed payments. I gave birth in XXXX and shortly after I was on maternity leave without pay which also caused me to miss payments. Prior to this incident I have never been late or missed payment with this company. I did reach out to XXXX XXXX  to resolved this issue with no luck. As of today I'm current on payments and have been since XXXX. I'm asking out of good favor that the delinquent payment history be removed from my credit report because its preventing me from buying a home.
Consumer complaint received 2022-09-18
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX and # XXXX and # 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 : Also states a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2021-05-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST GUARANTY MORTGAGE CORP (OH)

Back in the middle of XXXX my wife and I went to refinance. We decided to go with First Guarantee Mortgage Co., doing business as XXXX good mortgage ). It has been 5 1/2 months of constantly supplying information. Sometimes duplicates!!!! Mind you.. we are going to go from a 30 year mortgage ( 24 years left ) to a 15 year mortgage PLUS put an extra {$50000.00} down. All they did was drag their feet. Hopefully they dont cost us money because we were refinancing at 2.25 %. I finally told them today ( XXXX ) to just forget it. Theyre costing me money. Our payment was to go down {$250.00} a month also. Totally ridiculous
Consumer complaint received 2019-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a Capital One Venture Card, provided by Capital One. My billing cycle usually ends on the XXXX and I usually get an email on the XXXX notifying me that my credit card statement is available. This past XXXX, I did not receive that email. The only reason I was able to pay my credit card ( CC ) bill on time was because I have an automatic alert that reminds me when my bill is due in 7 days. I believe that this is a glitch in their system that has the potential to affect all of their customers, thereby imposing unwarranted late fees on many people. This is also in violation of the Paperless Agreement that customers have signed. Customers should always be notified when their CC statement is ready.
Consumer complaint received 2019-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I was given a loan for a car to which my first problem was the same day. Car was dead. Battery was replaced. Then I took the car in on numerous occasions and each time they said there was no problem. By the fourth or fifth month the whole transmission fell out the car. It was supposed to be covered but in a turn of events they said I will have to pay for the tear down which could have ran me up to {$5000.00}. Now that is not fair. I reported it immediately and told them to keep the car. Then later I found out there was a problem about a salvaged title which was another problem. Now I get called from them several times a day everyday. It has gotten so bad I put them on block and they still call from other numbers. The harrassment is out of control.
Consumer complaint received 2021-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The credit bureaus are circumventing the law. The credit bureaus are making it almost impossible for the consumer to access our credit files. I have called dozens of time and the system is virtual run around system leading the consumer down a rabbit hole. It is impossible to access your credit reports by mail. The credit bureaus are forcing the consumer to access an online report that has most of the important information missing. The credit bureaus are engaging in misguiding the consumer by not allowing access to your personal files. Please have someone call the numbers to see that this stuff is illegal
Consumer complaint received 2018-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

The whole issue we are trying to resolve is I refinanced and didn't receive anything in the mail from wells Fargo untill you called in XXXX saying I missed XXXX payment and I didn't know you billed me. I was waiting for my first statement. So when I got the call the XXXX payment was missed ... I didn't know where to remit payment and I paid both XXXX and XXXX together. After that I had the payment details and was able to continue paying. 

Because I refinanced and got a new lender I was unaware when and when to pay. Please remove 30 days late reported in XX/XX/2018