davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Although this is my 2nd Complaint with CFPD, Experian still refuses to adhere to FCRA rules and regulations. According to 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), the credit bureau must complete their investigation no later than ( 30 ) days or the item ( s ) in question must be DELETED from the consumer 's credit report. Unfortunately, it took Experian ( 49 ) or  more days to complete my investigation, well exceeding the allotted time frame pursuant to FCRA 15 U.S. Code 1681i ( a ) ( 1 ) ( A ). Also, Experian refused to provide me with a Method Of Verification that they used to determined the validity and accuracy of the item ( s ) that is required by law, pursuant to 611. Procedure in case of disputed accuracy ( 15 U.S.C. 1681i ). Therefore, Experian are in violation for both their willful and negligent non-compliance according to 616. Civil liability for willful noncompliance ( 15 U.S.C. 1681n ) and 616. Civil liability for negligent noncompliance ( 15 U.S.C. 1681o ). These are some but not all of the violation that were committed by Experian ; yet, the remaining violations are listed in my attached documents.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is 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, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XX/XX/XXXXate of inquiry XX/XX/XXXXXX/XX/XXXX Date of inquiry XX/XX/XXXX XX/XX/XXXXDate of inquiry XX/XX/XXXX XX/XX/XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2017-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am very frustrated with all XXXX reporting companies. I pay good money every month to monitor my reports and what I find is that the information and credit score I get is not what a creditor gets when I apply for credit. Why since I pay my taxes and you are in business to stop this bad reporting am I still seeing this. It is your job to make sure there companies report to me the same thing they show potential creditors. Fair reporting should mean I see what they see but that is not happening at all. I know this to be true because I look at my report then apply for credit and with in a day I get a response from the creditor telling me my report does not say what they showed me it said. FAIR and CORRECT reporting should happen ALL THE TIME.
Consumer complaint received 2017-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (MS)

I received an email from XXXX XXXX that my XXXX XXXX store card had been approved. I did not apply for an XXXX store card. I also received an email from XXXX that my order for a {$1400.00} XXXX headlight was being processed. I do not own a XXXX. I immediately contacted XXXX, they put a freeze on the card and my account so it can not be used. However, the headlight was from a 3rd party seller and I received an email from them that the headlight had shipped. I live in XXXX, MS this headlight is being shipped to someone in New Jersey. I do not know anyone in New Jersey and I did not apply for that card.
Consumer complaint received 2023-01-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-10-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp (MD)

I was unable to get onto the site to make my XXXX payment. I called the company and they said they were having problems it should be fixed shortly. I was finally able to get onto the system and when I did, I noticed that the company was incorrectly reporting my payments as late when they were paid before time, almost two weeks ahead of time. What I noticed is that many of the payments showed more of my payment going towards interest when more should have been going towards the principle when the payments are early. I spoke to a representative names XXXX on XX/XX/20 about the issue and asked for an audit of the account and I had not hear back so I decided to call back today. When I called today I spoke to someone named XXXX and she reviewed the notes and read me a note that a manager made that agreed with my assessment of the situation but no resolution! I said I wanted to escalate the issue further she had me on hold but finally said she will have someone call me because everyone was on a call. I would like a thorough audit of my account and a copy of the audit. Because I believe more of my principle would be paid if the division of my payment was correctly posted to my loan repayment. The copies attached are only a sample it does not include all of the payments that are reflected incorrectly!
Consumer complaint received 2019-10-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (OH)

Hello, I opened a online Citibank checking+savings account in XX/XX/2019 under the promotion of XXXX $ bonus if I maintained a balance of XXXX $ or more for 60 days. I met these requirements on XX/XX/2019. I had contacted the bank to enquire about the bonus and they had confirmed that I have met the requirements and bonus will be credited to my account. I have chat transcripts from customer service confirming the same. 

When I contacted them again to enquire about the bonus on XX/XX/2019, they lied to me that my account was not opened under the promotion and I will not be receiving the bonus. 

Checking account # XXXX Savings account # XXXX I would like to complain about this fraudulent practice and demand that they send me a check of XXXX $ that they owe me. 

XXXX XXXX Phone : XXXX
Consumer complaint received 2017-08-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America ( BoA ) ( the servicer ) withdrew two months of PMI/Private Mortgage Insurance AFTER XX/XX/XXXX, even when the legal contract states that PMI will be terminated ON XX/XX/XXXX. 

In the legal contract, it states, " PMI will automatically terminate on the date the principal balance of your loan is first scheduled to reach 78 % of the original value of the property. This date is XX/XX/XXXX. '' The servicer notes that PMI is paid in arrears but they can not find any documentation of it in the original signed contract. The only thing found was that PMI is to be automatically terminated by XX/XX/XXXX, with no further payments. 

If there are payments to be made due to poor planning on the servicer 's part, then they should be responsible for it, not the borrower, who has already paid thousands in mortgage interest and PMI over the years. 

I tried to make efforts to resolve this directly with BoA but I ended up playing phone tag with a representative and, after a few times that I left messages, the representative stopped returning my calls. 

You will find two documents attached. The first document BoA reported to the CFPB, dated XX/XX/XXXX, had no PMI taken out after XX/XX/XXXX and also a lower monthly bill. Then I was sent another document, dated XX/XX/XXXX, with two additional months of PMI taken out and a higher monthly billing. 

From my understanding, if money is taken from an account outside the legal contract and/or without the account holders permission, whether it be this year or any future years, then it is considered fraud and/or embezzlement. If BoA is willing to do it so easily, then who 's to say they wo n't do the same to others or the government.
Consumer complaint received 2019-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Experian credit bureau is not removing the fraud account XXXX off my credit bureau. I have sent a copy of my police report stating that I was a victim of identity theft and they are still reporting this fraud creditor on my report. it is against the law not to remove a identity theft account if a valid police report is given which it is
Consumer complaint received 2017-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (AL)

Last year or so I received a collection account on my credit by ARS Account Resolution in the amount of {$430.00} without notification and in which I have no knowledge of. I disputed the account and it was removed from my credit report. This past XXXX the account was placed on my credit report again without warning/notification. I have not received any type of communication from this company regarding this debt before the account was placed on my credit report. <P/>I tried to have the company to validate the debt in which to this day I have not received any type of correspondence. I 'm receiving notifications that the debt was removed from my report only to be added back shortly after.
Consumer complaint received 2017-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Dear Equifax/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX I am writing this complaint because you did not promptly deleted the info that I had disputed due to identity theft. 

You failed to comply with law that you are required under Fair Credit Reporting Act ( FCRA ).

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of alleged identity theft. 

XXXX XXXX XXXX XXXX Credit Account : XXXX Reason : Identity Theft This account has been previously been disputed and you did not deleted required under FCRA XXXX 


THIS LETTER serves as the formal notice of my intent to file a lawsuit against you in court, due to your failure of correcting/deleting the account above. 


Your failure to correct or fix this issue will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting Act ( hereinafter referred to as FCRA ), Civil liability for willful noncompliance. Your company may be liable for : - Any actual damages I sustain due to your failure to delete this item ; - Cost of court action in order to have the item deleted ; - Punitive damages as the court may allow ; XXXX XXXX XXXX XXXX, XXXX provides a cause of action for individuals against furnishers of information. I would prefer not to use the courts to resolve this matter.
Consumer complaint received 2017-08-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (UT)

- My password did n't work on coinbase so I clicked 'Forgot Password ' - It send you to a page and says, " enter your email and we will send an email with recovery steps. 
- This is what I get : For security reasons, we are unable to reset your password. Please request a password reset from a browser or device you have previously used to access Coinbase. 
- I did use my device. So it sends me in a loop - So there is no way to reach them and they have XXXX of my money. This is insane! 

Here is what they say below and when you use the contact @ coinbase, you get an email that says The XXXXXXXXXXXX email address is no longer monitored. 
XXXX For more information on why this is necessary, please see our help doc. 

If you did not request your password to be reset or you are unable to reset your password from a previously used device, please contact XXXXXXXXXXXX. 


Re : Why are you not responding to me after 9 days. Please help! 

Coinbase XXXX XXXX XXXX, XXXX XXXX PDT The XXXXXXXXXXXX email address is no longer monitored. 

The Coinbase Support team will ONLY be able to respond if you submit a request via our support portal : XXXX XXXX XXXX  Please use the email address that you use to log in to Coinbase, select the appropriate category, and include as much detail as possible when submitting your request.
Consumer complaint received 2024-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Department of Revenue Case Number : XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request verification of this debt. I previously sent a written request for validation, including a request for a wet signature, which was received by your office on XXXX XXXX However, to date, I have not received the requested validation. 

Furthermore, I believe that your failure to provide the requested validation constitutes a violation of the FCRA. The FCRA requires that consumer reporting agencies, such as XXXX, follow reasonable procedures to ensure the accuracy of the information they report. By failing to provide validation of the debt, XXXX is not meeting this requirement. 

Please be advised that I am requesting the following information as part of the debt validation process : Verification of the debt, including the original creditor, account number, and date of the debt. 

Proof of your authority to collect this debt. 
A complete payment history, including the original balance, any interest or fees added, and all payments made. 
A copy of the original signed contract or agreement related to this debt. 
I request that you provide this information to me within 30 days of receipt of this letter. If you are unable to provide the requested information, I request that you remove the disputed item from my credit report in accordance with the FCRA.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-04-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I had fraud on my account in 2016 and Bank of America claimed my account is overdrawn {$11000.00} but I dont understand how. Theyve sent me the banking statements for that time period, but it doesnt add up and this situation is hindering me opening any bank accounts with any other banks.
Consumer complaint received 2018-03-26
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. (VA)

ON XXXX the XXXX XXXX I went to purchase a new car and I was advised the that XXXX XXXX XXXX XXXX Reported to Equifax that my car was a charge off and they were unable to do anything. I took a look at my report and sure it was correct On XXXX XXXX it was reported that my car was a charge-off in XX/XX/XXXX and that the last payment that they had received was on XX/XX/XXXX which is totally incorrect the last payment was made on my car on XX/XX/XXXX bring my total car balance to XXXX with the next payment due on XX/XX/XXXX. I then contacted XXXX in regards to this and it was stated to me by XXXX working in the loan center that yes my account was marked as a charge off and she is not sure why. Then I was connected to XXXX in collections and she stated to me that I was current and she had to look into why the account was marked as a charge off. This is really horrible what I am experiencing with ABNB I have had this car for 3 years with 1 late payment by 11 days back in XX/XX/XXXX for XXXX that was added to my XX/XX/XXXX payment I constantly have to contact XXXX as regards to reporting incorrect information. I have also attached my report with the information that XXXX has reported.
Consumer complaint received 2017-08-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NJ)

I have been dealing with NAVIENT for the repayment of my student loansXX/XX/XXXX : agreed to paying an extra {$50.00} a month, making my payment $ XXXXmonth. by agreeing to this, I would be enrolled in an INTEREST RATE REDUCTION PROGRAM. Agreement states that after 3 consecutive payment, my interest rate would decrease from 10.17 % to .001 %. On X/XX/2017 it shows my interest rate did decrease like promised, however, my {$250.00} payments are still going to interest and not principal balance. 
I called Navient NUMEROUS times for help and explanations and could not get any answers : X/X/17 XXXX XXXX : spoke with supervisor XXXX and she stated she did not have an answer for me and she would " look into it '' X/XX/17 XXXX : have not heard from anyone at Navient since I called onXX/XX/XXXX so I called back and was told that XXXX was " unavailable '' X/XX/17 XXXX : Called Navient again and spoke with XXXX. He informed me that he emailed XXXX and that XXXX is working on the issue and that XXXX will call me X/XX/17 -- I RECIEVED NO PHONE CALLS FROM XXXX OR ANYONE -- XXXX XXXX XXXX : I called NAVIENT again and spoke with XXXX XXXX ( XXXX ) because all of the managers and supervisors were again, " unavailable '' XXXX informed me that she " cant spend the day on the phone with me because they have a business to run and that I am being redundant for asking the same questions over and over '' She was emailing a supervisor to call me back. 
X/XX/17 XXXX : XXXX called me back. Explained to me the interest, however still could not give me any information regarding past interest amounts or past payments. 

**NAVIENT has no problem tracking you down for money but when I have a question regarding my interest rated and payment I was given the " run around '' and was told I would be receiving help and I did not.
Consumer complaint received 2021-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC (FL)

XXXX waived debt due to moving in regards to COVID-19 and they refused to take back equipment when offered so debt is not valid. 


The collection company intentionally broke their website to make it harder for me to dispute debt within 30-days. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Miller, Stark, Klein and Associates (MI)

Miller, Stark & Klein associates have called me two times. Both times a voicemail was left using aggressive tones and told me that I had complaints in their office and that I would need to call back before it became a legal matter. I called back and informed the individual ( who did not identify herself ) that I have no bad debt and have amazing credit/score. I informed her she was a scam and to stop calling. She then proceeded to hang up. I called back and told her that I have no bad debt. She proceeded to call me a liar and say that liars always say they have no debt. She then told me to stop calling. I told her I would stop calling when the manner was resolved. She said she was hanging up and I said I will call back. She then informed me that she would press charges for harassment if I called. I kindly told her the same thing. She then hung up. I called back and she refused to let me talk to a supervisor. I called the other number she left on the voicemail ( the number calling and the voicemail number were not the same ) and nicely explained the reason for the call. She asked me for my number, in which I have it. She put me on hold and came back to inform me that my number had been deleted from the files.
Consumer complaint received 2021-06-24
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. (SC)

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see accounts that does not belong to me.