davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (IL)

I took a mortgage in XX/XX/XXXX, I bought my house through a company called XXXX XXXX XXXX, they sold the loan to a company called XXXX XXXX XXXX  they report me on the credit report at XX/XX/XXXX. in XXXX another company report me to the credit report that called XXXX XXXX XXXX XXXX. now the situation I have on my credit report two mortgage loans two companies claim my loan. - what I did? 1- I called XXXX XXXX XXXX  they inform me that they will sold the loan to XXXX XXXX XXXX XXXX. on XX/XX/XXXX not in XX/XX/XXXX and they collect my payment until XX/XX/XXXX. 2- I called XXXX XXXX XXXX XXXX. they claim that they own the loan from that date and they able to report me to the credit bureau since XX/XX/XXXX. - current situation : 1- two company claim my mortgage 2- because of the big amount reported to the credit report my credit score went down XXXX point. 3- I can't take any loan because of the big decrease in my credit score.
Consumer complaint received 2019-03-16
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On the XX/XX/2019 a savings account was closed at Capital One 360 and the remaining amount to be mailed out is {$480.00}. The customer service representative stated that it should take between 5 to10 business until receipt of the check. It is now XX/XX/2019 and I have yet to receive the check from Capital One 360. I have called several times to check on the status to no avail. Customer service keeps bouncing me to another department that handles the account that is either never available, and never gets back to you when leaving a message. It is now close to a month of dealing with this bank with this issue, and yet nothing is being resolved. I just want my funds made available as soon as possible!
Consumer complaint received 2019-03-16
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: Commonwealth Financial Systems, Inc. (FL)

I have contacted XXXX, XXXX  and XXXX XXXX in regards to an old account with XXXX XXXX and Commonwealth Financial Systems. The XXXX XXXX account is old and should be removed from my report. The CFS account is from an old medical bill and was removed from my reports several years ago. Now it is reappearing on my reports under the CFS Collection Agency. This account is at least XXXX years old and once removed should not reappear under any other name. I have requested removal and all I get is the info is correct or you have already disputed it.
Consumer complaint received 2019-03-16
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 have contacted Equifax, XXXX and XXXX XXXX in regards to an old account with XXXX XXXX and XXXX XXXX XXXX. The XXXX XXXX account is old and should be removed from my report. The XXXX account is from an old medical bill and was removed from my reports several years ago. Now it is reappearing on my reports under the XXXX XXXX XXXX. This account is at least 7 years old and once removed should not reappear under any other name. I have requested removal and all I get is the info is correct or you have already disputed it.
Consumer complaint received 2018-02-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelson and Kennard ()

was contacted by Nelson & Kennard Attorneys at law. XXXX XXXX XXXX, XXXX CA, XXXX attempting to collect from me {$2800.00}. That debt is not mine, neither the address where this letter was sent to.
Consumer complaint received 2022-02-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX/ XXXX / {$9100.00} XXXX XXXX XXXX/ XXXX / {$440.00} XXXX CARD / XXXX / {$2900.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: AUTOMOTIVE CREDIT CORPORATION (CA)

Hello. 

I am having 3 hard inquiries on my XXXX credit report that I did not authorized. 

AUTOMOTIVE CREDIT CORP ( Finance ) XX/XX/2023 XXXX XXXX XXXX XXXX XXXX Auto ) XXXX XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/2023 As I mentioned, these 3 hard inquiries are appearing in my XXXX credit score. Affecting my credit. 

I contacted XXXX for a deletion and they say they could not do it because I have to contact each company first. I contacted the companies and they say they dont have my information on file. I told them that I did not authorized those inquiries and that I want them to be removed. So one of them told me about claiming this to the CFBP. Thank you so much
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my third CFPB report for issue I have with TransUnion reporting a fraudulent late payment I have sent certified mail. I gave them my CFPB, XXXX  and FTC report I have gave them all documentations to prove that there is no late payment even a letter from the company saying that my account is closed in good standing and its paid off. I sent this in XXXX this months later, still violated my laws. This is violation of code 1666B every time I call the phone hangs up or I get somebody thats not in the United States and I can barely understand them and they dont know anything to help me. I spoke to five different employees. Today still no help. This is very unprofessional and indirect of the FCRA laws They did not honor my cfpb report I tried to submit a dispute. The website has errors. They deleted my own dispute just so I can redo it still having an issue trying to upload my other documents. I need this handle immediately. It is messing up my credit worthiness below. I will attach the letter from the company.
Consumer complaint received 2024-01-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX  I noticed 2 debt collections on my credit report that is not mines XXXX XXXX XXXX Opened XXXX {$230.00} XXXX XXXX XXXX  Opened XXXX {$440.00}
Consumer complaint received 2019-03-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (CA)

I have a debt with American Express. I had made a payment of XXXX which they have refused to credit to my account. I provided a copy of my bank statement showing the payment and I provided them with the payment transaction number provided by the bank. I also have submitted disputes with the credit reporting agencies because the amount they are trying to collect from me is incorrect. They have refused to credit the payment I made. Now I have received a letter from XXXX XXXX XXXX which claims that American Express referred me account to them. They are trying to collect more money than I owe and are threatening me with legal action and judgment.
Consumer complaint received 2018-02-19
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

On XX/XX/XXXX our CD matured and we were not notified and the bank automatically renewed it at a lower rate ( .25 % ). When I called the bank 3 weeks later I was told there was nothing they could do about it, even though I told them I never received a renewal notice. I was told I could close the account but I would be charged a {$60.00} penalty fee for closing the account early, so we left it alone. On XX/XX/XXXX we get a letter from the bank telling us that we may not have gotten the renewal notice on our CD and they apologize for the confusion and want to give us the opportunity to either : 1 ) Change your CD term without penalty 2 ) Close your CD without penalty 3 ) Continue with your existing CD term - no action is required. They gave us till XX/XX/XXXX to make a choice. I went to the local branch and asked them to give us the interest rate that we should have gotten back on XX/XX/XXXX and they said they could only do what was in the letter we got, so I closed the account and put the money in a different bank.
Consumer complaint received 2024-04-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (IL)

I don't recall having a contractual relationship with this collection company credit collection services. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2021-12-01
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: SYNCHRONY FINANCIAL (PA)

i have contacted all XXXX credit bureaus as well as SYNCB/XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see circled,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$920.00} balance and it is also reporting a credit limit and a past due ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the 2 year history it is not uniform across the board which it should be...
Consumer complaint received 2018-02-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (CA)

I have accounts at Coinbase, XXXX and XXXX. 
I have only transferred my bitcoin from Coinbase to XXXX and then to my XXXX  account so I could purchase other coins No other exchanges. 

I have never converted XXXX back to $ yet. 

On XX/XX/XXXX, as stated beow, my XXXX bitcoin never made it to my XXXX account. 
I have contacted XXXX and they have done nothing yet and its been almost 2 months. 
Please assist me. Thank you. 

The one below for XXXX XXXX never made it to XXXX. 

This is from XXXX HISTORY transfer XXXX XXXX - XX/XX/XXXX XXXX XXXX this one never made it XXXX Transfer ID : XXXX This is my XXXX account showing I received the XXXX Bitcoin, but not the XXXX XX/XX/XXXX BTC XXXX XX/XX/XXXX BTC XXXX XX/XX/XXXX BTC XXXX XX/XX/XXXX BTC XXXX
Consumer complaint received 2018-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I '' m a victim of fraud and I have a file with the Federal Trade Commission. While preparing to check my credit for incorrect information, I have noticed there are six inquires that I have no knowledge of nor do I have or ever had any accounts opened with the companies, please will you help me in solving these issues? 

1.XXXX/XXXX ... .National Credit Cards/Airlines 4.XXXX XXXX .... 
inquiry date : XXXX inquiry date : XXXX 2.XXXX/XXXX .... 5. XXXX XXXX .... 
inquiry date : XX/XX/XXXX inquiry date : XXXX 3.XXXX .... 6.  XXXX XXXX ... 
inquiry date : XX/XX/XXXX inquiry date : XX/XX/XXXX
Consumer complaint received 2021-12-01
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. (WI)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2019-03-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southern Credit Recovery, Inc. (LA)

I've received a letter requesting payment of a debt from a 3rd party collection agency. 
I've responded with a letter dated XXXX, requestinq debt validation for the account, pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. 
No other communication was received from the collection agency, as well as any type of verification, validation or answers. 
A negative remark was made to the Major credit bureaus and to my credit reports.
Consumer complaint received 2018-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX  in XXXX Ca pulled my credit file without any authorization whatsoever from me in XXXX. This has had a damaging effect on my credit file. I contacted the credit bureaus and they are telling me they have no control over what they report and print, That the only one that can remove this is the [ party that put it on, in this case XXXX XXXX. 

These guys pulled my credit in XXXX with my permission to do a refinance of my home. Then they went and pulled it a second time in XXXX without my permission. This is Illegal and against the law. My name is XXXX XXXX and my social sec # is XXXX my dress is XXXX XXXX XXXX XXXX XXXX ca XXXX.
Consumer complaint received 2018-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMA Advisors, LLC. (CA)

Homebridge financial in XXXX Ca pulled my credit file without any authorization whatsoever from me in XXXX. This has had a damaging effect on my credit file. I contacted the credit bureaus and they are telling me they have no control over what they report and print, That the only one that can remove this is the [ party that put it on, in this case Homebridge Financial. 

These guys pulled my credit in XXXX with my permission to do a refinance of my home. Then they went and pulled it a second time in XXXX without my permission. This is Illegal and against the law. My name is XXXX XXXX and my social sec # is XXXX my dress is XXXX XXXX XXXX XXXX XXXX ca XXXX.
Consumer complaint received 2024-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (CA)

Mr Cooper received the mortgage from XXXX of which my payment was approx XXXX. They immediately raised my payment to XXXX because they put forced place insurance on the house eventhough I have insurance from XXXX for the previous 2 years. I have called them twice over the past 3 months and have gone online a couple of times also.
Consumer complaint received 2024-01-23
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: EQUIFAX, INC. (NV)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. The biggest violation yall are in is HJR 192. As all depths are prepaid, there is no valid claim for any further payment. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and SECURITIES FRAUD. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed Immediately.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have recently discovered that my identity has been compromised, leading to these fraudulent accounts being opened without my knowledge or consent. I have taken the necessary steps to report the identity theft to the relevant authorities, and I am providing you with a copy of the FTC identity theft report for your records. I have also mailed a copy to Equifax. I request that you investigate the following accounts and take appropriate action to remove them from my credit report, as they are the result of true identity fraud. 

I would like to bring to your attention that my information was sold and bought illegally because I was a victim of the Equifax data breach, which has heightened my concerns about the security of my personal information. In light of this, I request that you investigate the following additional accounts and take appropriate action to remove them from my credit report, as they are the result of true identity fraud.
Consumer complaint received 2019-03-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2019-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX and 60 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

Have tried too many numerous times to get my credit report on line to no avail, they say information doesn't match have mailed and faxed also my identity proof two times and have even talked on the phone but didn't help. They had wrong birth year but the said they corrected it but I don't know if that is true because I haven't seen my credit report and what other things of information could be wrong. I also have seen hundreds of others have same issue as me
Consumer complaint received 2019-03-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Works & Lentz, Inc (OK)

I have offered to make payments on my debt, but told the collection company that I wanted somthing sent to me monthly to make the payments. They refuse to send any type of statement saying that their company doesnt do that. I am not sure of the date of the call they specifically said that, but it was near the end of XXXX beginning of XXXX. Since then they have submitted a garnishment to my job to collect the money. I have yet to see any money taken out by my company. The person that called me from Works & Lentz was also rude while telling me that.