davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX  continues to report negative information on my credit report. I’ve received multiple notifications from the credit bureaus and XXXX XXXX indicating that this account was removed from my credit reports, that’s untrue as the account is still reporting negatively. I’m requesting for this account to be removed immediately. I’ve attached proof.
Consumer complaint received 2019-08-16
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: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I HAVE TO DEAL WITH THIS SITUATION AND I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2021-12-03
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (TX)

According to 15 USC 1692g as a consumer I do not owe any alleged debt. I have tried to dispute this information and I had little to no luck. Delete this information from my credit report. It violates my rights as a consumer and it violates the law 15 USC 1692 G.
Consumer complaint received 2019-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (GA)

On XX/XX/XXXX, I saw that I no available funds in my PNC checking account.  I contacted the bank 5 times using their 800 number for an explanation.  The call center representatives refused to provide an explanation.  My husband and I went to a branch location.  The branch representative also contacted the call center.  He was told that the account was on Hold and the person that had place the account on hold as not in.  No other information was provided to the branch representative.  I called my attorney will sitting in the branch office.  My attorney told me to have the Branch representative contact PNC's legal department.  I asked for PNC's legal departments number and the representative would not provide it.  My husband and I left the branch.  While driving home, we received a call from the PNC branch representative.  He stated that the account had been placed on hold due to individual, posing as my husband, had visited a local branch and had tried to access our checking account.  The branch representative told us that the individual could not say our last name.  No additional information has been provided regarding this incident.  We returned to the branch and the branch manager was finally to get our account off hold and moved to a new account. While we were at the bank, we found out a XXXX check had been written.  It did not clear the closed account.  We were not provided with any details about the check.  We left the bank at XXXX XXXX  that night.  Despite my husband's identity theft, the call center has not provided any additional information.  We need to know exactly what happened and a copy of the XXXX check.  We have filed a police report.  The call center at PNC bank needs to be closed.  The branch did help us but they don't have information about the incident.  PNC's horrible call center needs to cooperate with the police.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

See attachments These were sent to all 3 credit Bureaus. They all put a fraud alert on my file with out my knowledge. This is against the law and the FCRA standards. They also put a bogus phone number on there as well that I am not associated with. They did this because all of these bureaus were reported for not deleting Hard inquiries on my credit file that I did not authorize and they can not prove any signature or ID to back there investigation up. There was no investigation done by anyone. They have been warned and I need someone to do something about there Fraudulent behavior. I need this taken care of with in 10 days. They have received 12 different letters about removing the hard inquiries each. I have dont my part and they will not XXXX up my life any more.
Consumer complaint received 2021-05-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (OH)

We paid off our mortgage on XX/XX/2021 and still have not received our Escrow that is due back to us as of XX/XX/2021 from Guaranteed Rate. We have contacted several people at the Mortgage company several times over the past two weeks and no action has been taken to get this resolved. I have sent a formal complaint to the company involved today and there only response is that it will take another 5-7 days plus shipping time for us to received our money. I do believe that this Mortgage Company, has 20 business days to refund our Escrow. We have made calls, sent texts, and now emails, of which I have full record, of asking about this and we keep getting the runaround and told to keep waiting. We have phone records to show our first time calling about this problem was XX/XX/2021. We have continued to inquire via phone, text, and email since then. Given the consequences we would surely face if one of our mortgage payment was delayed like this, they would not afford us an ounce of patience. I expect them to be held to the same standard.
Consumer complaint received 2022-11-16
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 am very upset with the fact that I submitted a complaint to the CFPB in regards to inaccurate reporting AND missing information in reference to Equifax and XXXX. These 2 bureaus all advised that my credit report is true and accurate. I submitted documents with MISSING and INCONSISTENT information within the account information profile. I also submitted documents with INACCURATE and INCONSISTENT payment reporting between these 2 bureau 's. This is violating federal law and I want these accounts reflected in the attached documents to be deleted due to the credit agencies listed above violating federal law and none of them rectifying this problem or I will seek litigation against them. 

I am very disappointed that a federal entity, such as the CFPB, would allow this type of inaccurate reporting from these companies stand. Furthermore, letting it stand when the complainant is in possession and also producing legitimate and tangible proof, such as a credit report with all of the reporting agency information listed. These credit reporting agencies are also under investigation under the United States Congress in reference to millions of consumers submitting disputes and them not being rectified as well as submitting complaints from the CFPB and nothing changing.
Consumer complaint received 2021-05-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Roadrunner Account Services, LLC (FL)

I made a payment over the phone via automated payment, and I put a payment of XXXX dollars and didn't realize the payment was missing XXXX cents. Because of the missing XXXX cents it marked my payment history as late. This was an error.
Consumer complaint received 2021-05-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

I am writing this letter of hardship to explain my financial situation that caused me to fall behind on my mortgage. We have owned this home for 23 years and have always been responsible home owners but we never imagined the our financial and health would take a huge hit in 2020. We fell past due on our mortgage in XX/XX/2020 due to XXXX-XXXX, I am a correctional officer for the State of Ohio for the las 21 years and in XXXX we had a huge out break of XXXX hit our Prison, when this happen our full times shift got reduced to below half, all over time and special pay went away due to limited capacity of officers allowed in the prison to prevent the spread. In addition, I came in contact with XXXX and had to distance my self for 2 weeks without pay and was not able to go home due to my wife having a chronic illness Acute intermittent XXXX  which XXXX  XXXX would have killed my wife if she came in contact with the decease because of this I had to stay in a hotel away from my family which my work did not cover. With already my little income and huge reduction my net income took a huge hit and I fell past due with my mortgage, unfortunately. 

I am now back at work full time and have received my vaccine shot. Please help me get my mortgage back and current so I can keep a rook over my family 's head and save my piece of the American pie, my home. 

I have applied for a Loan Modification with SPS but they refuse to review my application, I have always submitted all items as they asked but each time they tell me they offered me a repayment plan which they never did but since they offered me this one time they are refusing to work with me. 

In addition the lender will not provide me with a denial letter or a single point of contact and are actively proceeding with foreclosure while I work with them for help. I feel they are more interested in my home than helping a Law Enforcement Officer and his family save their home from foreclosure.
Consumer complaint received 2018-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In XX/XX/XXXX, XXXX XXXX XXXX  incorrectly coded my credit card account as being included in a Chapter XXXX Bankruptcy when it was not. In XX/XX/XXXX after filing a complaint with the CFPB the account was fixed per XXXX XXXX XXXX ( see letter attached ) and my account was made current, open, available for use. Even though XXXX XXXX XXXX corrected the coding on my account they failed to correct my account to the 3 Credit Reporting Bureaus, and the account is still showing on my credit report as being included in a Chapter XXXX Bankruptcy and under a payment plan. This account was never included in a Chapter XXXX Bankruptcy, nor has it ever been under a payment plan. At least the minimum payment was always made on time in full since this account was opened. I have submitted numerous disputes with the 3 Credit Reporting Bureaus, and still this remains on my credit report as being included in a Chapter XXXX Bankruptcy. That information is completely FALSE. I just filed a dispute with TransUnion who investigated ( investigation result attached from XX/XX/XXXX ), and still this account remains as being included in a Chapter XXXX Bankruptcy under a payment plan. This has been reported falsely as being an adverse account going on 4 years now. It has negatively effected my credit report and score. This account is open, current, and available for use ( see attached statement of account XX/XX/XXXX ) How can XXXX XXXX continually report false information on my credit report for almost 4 years and not correct the mistake? As a result, I'm the one who is being penalized financially resulting in a lower credit score and higher interest rates, because of their mistake, reporting this account as adverse and included in a bankruptcy.
Consumer complaint received 2018-02-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NV)

send XXXX on XX/XX/XXXX # XXXX received reply on XX/XX/XXXX Company 's Response on XX/XX/XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX has reviewed the information provided by XXXX XXXX, as well as the information associated with XXXX   reference # XXXX. The debt was assigned on XX/XX/XXXX by the original creditor, XXXX XXXX XXXX XXXX XXXX The debt was assigned with a principal balance of {$670.00}. Allowable statutory interest has accrued on the debt, in the amount of {$88.00}. The current balance as of the date of this response is {$760.00}. XXXX sent a debt notice to XXXX XXXX on or about XX/XX/XXXX at her last known address on XXXX XXXX. XXXX did not receive the notice returned as undeliverable. XXXX has attached the document provided by the original creditor to support this debt. If XXXX XXXX would like to discuss this account in detail she may contact XXXX 's manager XXXX directly, during normal business hours. 

send new reply on XX/XX/XXXX # XXXX after there reply : OUR COMPLAINT I send a report with cfpb on XX/XX/XXXX, and received a reply from the company on XX/XX/XXXX. In the reply said the amount owe and a copy of the bill. I don't remember if this is one of the companies I went to, because the dr 's was changing me to diffent places to get my medicine. I didn't see a contract or ect, just the bill. But XXXX claim that they sent a letter to me on or before XX/XX/XXXX to my XXXX address and they never received it back, so claim that I received it. Well I never received anything at no time and nothing after the month 's they claim they mail me one. which I think the company did not send me any letters in which they claim, and never came back to them. so it's my word against their, how can I proved it, that they give me notice to disputed the collection. I have a mail center that records every mail that come in on my account. I got a copy for XX/XX/XXXX to XX/XX/XXXX showing no mail from there company never showed up at my rainbow address. The mail center is Mail link plus in XXXX XXXX, Nv XXXX XXXX XXXX this company only send me a copy of a bill, no contract or ectXXXX
Consumer complaint received 2020-12-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

Cash out refinance requests through multiple lenders including : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX Rocket Mortgage All are not actively offering loans to credit worthy borrowers who own investment homes and are seeking to refinance using a cash out option as offered by the firms.
Consumer complaint received 2022-04-27
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX XXXX Account type Credit card 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 602 A Section 2 : its also states a consumer reporting agency can not furnish account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose
Consumer complaint received 2021-05-06
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: REGIONS FINANCIAL CORPORATION (TN)

I am receiving medical bills for a extensive medical procedures in 2020 that I did not have. I did not have any medical services in 2020. As for Regions Bank Mortgage. Refinance at the lowest available rate. Ive never been able to get that. XX/XX/XXXX home Equity loan valid For 5 years at the lowest available fixed rate. Allow other black people to get home equity loans at the lowest fixed rate.
Consumer complaint received 2021-05-06
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. (MI)

I have sent multiple disputes to TransUnion to remove the collection from XXXX  in the amount of XXXX . At first they did remove it but it popped back on my report 2 weeks later. This collection is not mine, it is not verifiable, and it needs to be deleted ASAP.
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. I've also attempted to remove the late payment by challenging it thru the credit bureaus. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Consumer complaint received 2022-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Dyck-O'Neal, Inc. (CA)

In accordance with the Fair Credit Reporting act has DYCK ONEAL They also violated my rights under these laws : 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 an account without my written instructions.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXXBalance {$0.00} XXXXBalance {$0.00} XXXXBalance {$22000.00} XXXXBalance {$22000.00}
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (CA)

I had an account with XXXX, and I owed {$2500.00} when the account was closed. I did not have the money to pay it or to even make payments on it at the time. So, they sent it to Enhanced Recovery XXXX XXXX. I've talked to both XXXX and Enhanced Recovery in an attempt to get an itemized bill showing the charges they claim I owe. Somehow, they have the idea that I owe them {$4500.00}. To this day, I have not received a breakdown of the charges, or proof that I even owe this debt. Enhanced Recovery offered me a 50 % discount, but they would not remove it from the credit report. I don't want to pay more than I have to, and since both companies have continuously violated my FCRA rights, as well as the credit bureaus stating that it was " verified, '' I haven't been able to resolve this issue in an acceptable manner.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT CHILD SUPPORT XXXXBalance {$11000.00} XXXXBalance {$22000.00}
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has 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. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and XXXX XXXX XXXX immediately : Wrong Name : XXXX XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has 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. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX Wrong Addresses : XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Consumer complaint received 2017-12-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

My account has been locked for over 13 days with zero  response from Coinbase after raising a support ticket immediately. Have also tried XXXX their support XXXX  account with no response. Also impossible to get through to their phone support line. This account contains money and a number of cryptocurrencies which I can no longer access.