davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-27
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: Convergent Resources, Inc. (TX)

FRCA Violation credit line XXXX XXXX XXXX XXXX XXXX FRCA Violation collection XXXX XXXX XXXX XXXX XXXX FRCA Violation address and names XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX
Consumer complaint received 2019-08-14
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: LEXISNEXIS (TX)

I submitted the paperwork to Lexis Nexis that they requested and I have yet to hear back from them. I need to know the status of a judgment they are reporting that is over the statue of limitations. It was my understanding that they have to follow the same guidelines as the other credit reporting agencies and the statue of them fall within the 7 years for which the judgement was over 7 years.
Consumer complaint received 2018-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received an alert on my credit file from XXXX  today XX/XX/2018 stating that my score had dropped due to an increase balance on my Capital One credit card. My XXXX  credit report stated that my Capital One Card Balance went from {$0.00} to {$210.00}. I called Capital One and confirmed that I paid my credit card balance on XX/XX/2018 to a {$0.00} balance and that there has been no new charges. I asked the Capital One Representative when was this balance reported and was advised by the Capital One representative that it was reported on XX/XX/2018. I asked why was an incorrect balance reported to the credit bureau and the representative could not give me an answer except that it could not be corrected until next month. This caused my credit score to drop.
Consumer complaint received 2019-08-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

We sent to Select Portfolio on XXXX - XXXX XXXX a loan modification packet to modify our home loan to save our home Select portfolio is refusing to review our loan modification paperwork. 

We want to save our home and Select Portfolio is only interested in foreclosing on our home.
Consumer complaint received 2021-05-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc. (CA)

I have many complaints about BetterXXXX But I will start with the monetary one. I closed refinancing a loan on XXXX. The consummation closing disclosure statement said I was to get back {$1200.00} wired to my bank account. I was wired {$1100.00}. That would have been correct if I had closed on XXXX. I brought this to their managers attention and I was told that I was wrong. 
My closing agent would not take my calls. She was always not available and would not call me back. I went on line and scheduled phone times for someone to call me. No one called. I tried calling them after 15 min of waiting for a call. Still no one would talk to me. 
My whole process of refinancing was a nightmare. I thought that if I used one company for all 3 of my refi 's, it would be simpler. It was not. I had to answer the many, many same questions 3 times. I should have quit months ago. I started in XX/XX/2021. I finally closed on XXXX. There were multiple delays. One 3 week delay I was told was because their title company could not figure out how to write in our names for the title. The only change required was for one person who got married and therefore changed her name. Finally I found this out and told them how to write the names for the title. 
I asked that the costs at closing be as close to zero as possible. I got big refunds. 
It took so very, very long for them to close my loans that my new loan amount was very high compared to the amount of my payoff XXXX about {$2000.00} on each loan ) and I had to pay for 3 payoff statements. I am still waiting to get that money back from my old mortgage holders. I closed on XXXX today is XXXX and I have not received word from them. 
Lack of communication and accountability were numerous.
Consumer complaint received 2022-04-27
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)

Transunion is reporting inaccurate information on my credit report. 

The following information is the inaccurate information. 

XXXX XXXX XXXX Loan 2 late payments, when there is no late payments. 

The following closed accounts are showing incorrect data on my credit report. 

XXXXXXXX XXXX XXXX shows as a charge off as well as a balance at the same time. How can a charge off have a balance delete this inacuracy. 

XXXX XXXX XXXX shows as a charge off as well as a balance at the same time. How can a charge off have a balance delete this inacuracy. 

XXXX XXXXXXXX XXXX shows as charge off with a balance how can a charge off have a balance please delete this. 

XXXX XXXXXXXX XXXX shows as charge off with a balance how can a charge off have a balance please delete this. 
XXXX XXXXXXXX XXXX shows as charge off with a balance how can a charge off have a balance please delete this. 

XXXX XXXXXXXX XXXX shows as charge off yet it has a balance how can a charge off have a balance please delete this. 

The following names on my profile are not my name XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX
Consumer complaint received 2020-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I disputed the accuracy of a bankruptcy showing on my credit Report. Experian claim The company that reported the information has certified to Experian that the information is accurate. Experian is reporting inaccurate and unsubstantiated information on my credit report. They are reporting a bankruptcy which is inaccurate and unsubstantiated. I would like to know who provided any information of a bankruptcy. I have a letter from the bankruptcy court stating they do not provide any information to any credit reporting agency regarding bankruptcies. I demand Experian provide the name, date, and contact information of the individual who was spoken to and if they don't provide this information, they must remove this information from my report. This is a clear violation of 15 USC 1692 and 15 USC 1681.
Consumer complaint received 2023-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I XXXX XXXX opened an account with capital one 360 checking account, I made some deposits from my XXXX XXXX accounts to pay my rent, capital one froze my account with no prior notification and now I can't make any withdrawals from my account, my rent is still due and I'm near eviction. I am requesting capital one to close my accounts and send me a check of my available balance to the address on file,
Consumer complaint received 2021-12-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (TX)

Initial contact with coinbase : Coinbase XXXX XXXX XXXX  has XXXX of my dollars in limbo Just another post confirming Coinbase XXXX will send your tokens with no Memo and it will be lost if you use the coinbase XXXX XXXX sent XXXX $ to another exchange and know for certain that it had the memo on there as I used a saved address that has worked without issue in the past more than once. I have created a case # XXXX and the first response was them saying the transaction went though and went to the right address. But without that memo i will never see it and it is gone. Coin base where are you at? you should immediately cease withdrawals requiring memo on you app and refund me all my money as it is lost. then Fix your app. your a huge company and this issue is all over the internet with multiple confirmations that the app is bugged. 

Hello XXXX, Thanks for reaching out. 

We're aware of this issue and working to fix it as soon as possible. 

Cryptocurrency transactions on the blockchain are irreversible, meaning after they are sent, there is no way for us to reverse the transaction or recover these funds. 

Our best recommendation would be to reach out to the party you intended to send these funds to and see if they can help you recover the funds. You can provide them with the link to your transaction available here : XXXX XXXX XXXX We appreciate your patience and understanding. 

Kind regards, Coinbase Support This is unacceptable as they have now stated they know about the issue but basically sorry we cant do anything. The other exchange wants XXXX $ to get it back. I have now asked for a XXXX $ credit to at least cover the recovery fee..at the end of the day its a coinbase error and they should be the ones fixing it and incurring all fees and contacting the other exchange not me. So as of now i am still out XXXX $ and nothing has been said by coinbase of how they will make this right.
Consumer complaint received 2024-02-03
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: Experian Information Solutions Inc. (NJ)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2019-08-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (WA)

In XXXX I made a purchase on my XXXX XXXX XXXX. approx. {$200.00} for some outdoor furniture. I had a number of problems with the order, mainly there were some missing party and shipping took an extreme amount of time. I reached out to XXXX and asked to be contacted by a supervisor. The supervisor did in fact call me back and offered a discount to me for my trouble that was quickly applied to my account .The complaint is that during my purchase I was offered deferred interest as typical with any XXXX purchase Ive made when the manager got involved my deferred interest seemingly disappeared. I want to point out that every order Ive ever placed with XXXX has had a deferred interest option. I made contact with both XXXX XXXX and Comenity and both referred me to each other XXXX the correspondence typically has gone line this .. 

Hello, It would be through Comenity Capital Bank that you need to work with on this. 

Ask for a Supervisor there and have them put in a dispute for the financing. They may try to transfer you over to the XXXX customer care to do this, but it is through the bank that the dispute needs to be done. Only the Supervisors there are able to put in the dispute. By doing this they should be able to pull up the previous adjustment and fix this. It usually takes about 1-2 business days for them to look into the dispute. 

Here is there contact information ; Comenity Capital Bank : Phone Number : XXXX Hours of Operation : Monday- Saturday XXXX EST Closed : Sundays and major holidays Take Care XXXX XXXX Solutions Support XXXX The trouble is .. the other basically says the same thing, putting me into a constant circle with no solution, meanwhile Im being charged interest every month ...
Consumer complaint received 2019-08-14
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: Experian Information Solutions Inc. (TN)

XXXX  XXXX  XXXXT Last reported XX/XX/2019 TO ALL 3 CREDIT BUREAUS {$91000.00} Reported balance Please remove from my credit reports.its been an ongoing problem for almost seven years.
Consumer complaint received 2019-08-14
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. (TN)

XXXX XXXX XXXX/XXXX Last reported XX/XX/2019 TO ALL 3 CREDIT BUREAUS {$91000.00} Reported balance Please remove from my credit reports.its been an ongoing problem for almost seven years.
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: EQUIFAX, INC. (PA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed an Identity theft/Police report which is attached along with proof of my Identity. The information is not information relating to any transaction by me, XXXX XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
Consumer complaint received 2019-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Acceptance Corp (WA)

Merchants Acceptance sued me for a debt that they can not prove is mine, and I was not contacted prior to doing so. They began garnishing my wages in XXXX of 2019 and after the garnishments went through I contacted them trying to establish that this was indeed my debt and they had no proof except my information. I requested copies of documents, contracts, my identification that was provided when this contract was initiated and they would not give me anything. Then after collecting almost {$1200.00} from me they stopped responding to my communications, and sued me again ; adding additional fees and making the balance more than what it was to begin with. Now, they are garnishing my wages for almost {$500.00} a paycheck, which began XX/XX/2019. I called and I was treated terribly. They continue to garnish my wages, add fees and additional charges. The debt is 7 years old and not mine. I have contacted them to try and work with them and they are deceiving and will not work with me. The continue to send the mail to the wrong address when I have provided them all of my contact information. I believe that they are illegally garnishing my wages and taking my money for a debt that is not mine. Not to mention, I was lied too and treated terribly by the legal advisor that I was in contact with. I believe this debt is not mine and they are also breaking the statue of limitations.
Consumer complaint received 2019-08-14
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. (NC)

The following companies ran unauthorized credit inquiries on my credit report. Please remove as these are suspicious to me : XXXX, XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX  XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX
Consumer complaint received 2020-09-07
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: Convergent Resources, Inc. (TX)

On XX/XX/2020 Convergent Outsourcing Inc. added a derogatory remark on my credit report per XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Convergent Outsourcing Inc. has violated my rights as a consumer and I'm requesting legal actin to remove this account immediately.
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NV)

CHAPTER XXXX BANKRUPTCY : BANKRUPTCY XXXX .. Bankruptcy doesn't belong to me. The courts do not furnish any of this information to the credit bureaus..They do not provide any proof to justify their reporting. XXXX sold this information to the credit bureaus which is illegal.. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information
Consumer complaint received 2021-05-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (CA)

We refinanced our home and closed on XX/XX/2021. XXXX XXXX taxes were not due until XX/XX/2021. In our refinance closing documents, distributions were made by the title company to the XXXX to pay our taxes due in the amount of {$3100.00}. In the same month, XX/XX/2021, our previous mortgage company also paid the taxes out of our escrow for the same amount of {$3100.00} while knowing that a payoff demand had been requested. XXXX XXXX tax assessors deposited both payments and we now are subject to a waiting period of 60-90 days until they release the duplicate payment funds back to the original mortgage company for them to then redistribute back to us at some mysterious time table. How is is it right that XXXX XXXX gets to hold up our funds beyond the actual payment made not to mention earning interest?
Consumer complaint received 2019-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (TX)

After an escrow recalculation in XXXX of this year, I paid the shortage of {$2600.00} in full, however, I did not update my payment with the new amount that started in XXXX. So my XXXX payment was short approximately {$130.00}. Suntrust put my payment in an account and attempted to reach me via phone. They also sent a letter at the end of XXXX ( attached ) which I disregarded as instructed in the letter. The letter does not state that my payment was short, it in correctly stated that they did not receive my payment and if I sent it to disregard the letter. I knew that my payment was sent so I disregarded the letter. Because they did not properly notify me that my payment was short, my XXXX payment went out short {$130.00}. For 12 months prior to this point, I not only made my payment, but actually paid extra on principle, yet Suntrust says they did not know what to do with my payment so they sent it back in check form. They held on to my money, tied it up in a check, and then reported me 30 days past due to the credit bureaus. I only knew something was wrong because my score dropped XXXX points. I have disputed this directly with them, and through the 3 CRA, however Suntrust believes that this process is not only fair, but reporting me 30 dpd is a true reflection upon my risk to them and to other lending institutions even though they had more money of mine than I actually owed because of the shortage payment in full. In 30 years, I have never missed one payment and because of their system limitations and improper notification, I am not unable to say that any more. I have not talked to one person at that organization that has been the least bit helpful with this. I had one person tell me there was no one there that could help me with this. There is nothing logical about this practice and every time I try dispute this, they say it is resolved. It is not resolved, I have attached a recent letter that I received, the correspondence associated with this and the system notes from my account. They refused to provide me their written policies and procedures for reporting deliquent account when there is a short pay
Consumer complaint received 2021-07-14
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GATEWAY FIRST BANK (NJ)

I asked if I would be able to refinance my FHA mortgage with Gateway Mortgage Group LLC. Im currently on forbearance and they stated they would not refinance my mortgage as part of their rules. I asked for a letter stating guidelines while on forbearance first they stated they will not send any letter, and also stated, we will mail it to you. I have not received any kind of rules/ guidelines. Also, they are premiering to the credit bureaus that I have missed payments due to the pandemic and they have not fixed it. They are charging me late fees and any money that I have paid to my mortgage they have not applied to my balance. I was informed by phone that my mortgage was sold to XXXX XXXX and have not received any letter stating this action. When I asked they said it was mailed XX/XX/2021 and I spoke to XXXX  XX/XX/2021