davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-19
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX Balance Owed : XXXX
Consumer complaint received 2020-01-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA (NY)

Recently Yamaha Financial XXXX  bought customers boat loans serviced by XXXX XXXX. The transition couldn't be handled worse. First, letters with wrong account numbers were sent. Online login was not working. The customer helpline had a wait time of between 1-2 hours eventually the number was disconnected. New statements were sent stating double monthly payments ( the last payment made to XXXX XXXX  is not included ), increased interest and a threat of late fees. Until this post the online account is still not working, online payment can not be made even though 2 hours were wasted on the phone to correct it with a service representative. The only payment options available to pay the wrong and excessive charges are by mail or the phone with the long wait time. 

Monthly payment increased from {$450.00} to {$510.00}. XXXX payment of {$450.00} made to XXXX XXXX  before a notice was received is disregarded. The statement indicates a 2.99 % interest however the interest charged is 5.99 %.
Consumer complaint received 2023-03-23
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. (PA)

According to the IRS. A canceled debt ( charge off ) is *considered as gross or ordinary income ... a 1099 was issued for this account. * *Income does not get reported to your consumer report. * Making this a violation that the creditor ( XXXX XXXXXXXX XXXX ) acount XXXX XXXX. 
address XXXX XXXX XXXX, XXXX NC XXXX. Since XXXX of this account creditor & all consumer reporting agencies has *violated my rights* reporting this inaccurately account information for more than *3 years* this is unfair to me the consumer.

And according to 15 USC 1681e Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates .... in my case none of the consumer reporting agencies didn't do so.
Consumer complaint received 2020-07-13
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 paid off a share loan XX/XX/20. The pay off increased my credit score at all credit bureaus except Transunion. The payoff of the loan reflects a positive Increase by XXXX and XXXX  due to the payoff, but Transunion reported a 25 point decrease. Which they can not explain why, but has shifted the blame to their computer program.
Consumer complaint received 2019-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

XX/XX/2018 XXXX  XXXX XXXX acct XXXX decided to sell my home loan to another company called carrington mortgage services acct XXXX and i have been current and never late and they reported late 30 days on the month of XX/XX/2018. I have been current every month please fix this issue.
Consumer complaint received 2018-02-15
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: Experian Information Solutions Inc. (CA)

ON XX/XX/XXXX I FILED A DISPUTE WITH EXPERIAN IN REGARDS TO A CHAPTER XXXX FILING XXXX THIS DISPUTE AFTER 1 YEAR WENT ALL THE WAY TO CONSUMER AFFAIRS ON XX/XX/2018 I SPOKE WITH A WORKER AT EXPERIAN THAT WENT BY XXXX HE SAID THAT THEY CALL THE CLERK OF THE COURT AND FOUND THAT THIS CHATER XXXX FILING WAS ACCURATE WHICH IS FOUND TO BE UN TRUE BECAUSE I FOLLOWED UP WITH THE US BANKRUPTCY COURT CLERKS  OFFICA AND THEY SAID THEY DO NOT TALK OVER THE PHONE WITH ANY ONE EVER CREDIT REPORTING AGENCIES WITHOUT PERMISSION FROM A JUDGE. THEN I PUT THIS ITEM IN DISPUTE AGAIN THE NEXT AGENT SAID THAT IT WAS VERFIED BY A 3 PARTY VENDOR ... ACCORDING TO THE FCRA ANY INFORMATION VERFIED BY A 3 PARTY VENDOR THE CONSUMER IS ENNTITLED TO THE NAME OF VENTOR AND DATE AND TIME IT WAS VERFIED.. FURTHMORE THIS CHAPTER XXXX WAS ORDER REMOVED BY THE JUDGE FROM ALL PUBLIC RECORDS ... THIS ITEM AS BEEN IN DISPUT 8 TIMES ...
Consumer complaint received 2018-03-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

unable to file a complaint with Transunion. Online website dispute service indicates to click a link that is not there. I checked browser and settings. Tried 3 computers and a smartphone. Used XXXX, XXXX  and XXXX. Link is not there. Unable to file dispute with transunion.
Consumer complaint received 2018-03-06
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: EQUIFAX, INC. (TX)

I have disputed XXXX XXXX XXXX with Equifax credit agency. After investigation about a year ago, Equifax along with XXXX  and XXXX  found that the account XXXX XXXX XXXX was trying to collect on was not my account and removed collection company from my credit reports. However, very recently XXXX XXXX XXXX place said account in the amount of {$93.00} back onto my Equifax Credit Report damaging my credit and my credit score.
Consumer complaint received 2021-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

Good morning After recent checking my Transunion credit report, I noticed several credit inquiries and these inquiries does not belong to me because I have left the United States back in XXXX below are these inquiries XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX  Inquiry from XX/XX/XXXX Bank XXXX XXXX  Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-19
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX  XXXX Balance Owed : XXXX
Consumer complaint received 2022-05-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST REPUBLIC BANK (CA)

- On XX/XX/2021 we made a home load inquiry with First Republic Bank. 
- On XX/XX/2021 we received a response from Relationship Manager XXXX  XXXX  ( NMLS # XXXX ). Their NMLS profile is here : https : XXXX - XXXX XX/XX/2021 we discussed the loan application with XXXX over the phone. 
- On XX/XX/2021 we submitted out loan application online. 
- On XX/XX/2021 XXXX first informed us of a new requirement for the loan : " moving over [ our ] current brokerage account [ s as ] part of the purchase transaction relationship. '' This was the first time we were informed of the requirement, and we could not find it mentioned in any document provided by First Republic. 
- On XX/XX/2021 we asked for clarification : " could [ First Republic ] share a document that outlines all the requirements we need to meet to be eligible to get a mortgage through First Republic? '' - On XX/XX/2021, we received a response from XXXX, but no formal documentation was shared. There was simply the statement " Since we are giving you the loan and the savings, we in turn want to be the beneficiary of your funds/deposits instead of the funds going to an outside institution who is not able to provide you with the same great loan program. '' - Given the above, we believe that First Republic behaved in an unethical & discriminatory manner. Only after First Republic gathered all of our sensitive financial data did they mention we would have to move over all of our investments to work with them ; furthermore, they never provided any proof of these terms/requirements with official First Republic documentation . This is deceptive ( they should have been clear about requirements before gathering our sensitive data ) and discriminatory ( if our financial data looked different then First Republic might have made different demands- in fact, the demand to move over our assets only came up after a particular brokerage account was mentioned ).
Consumer complaint received 2018-03-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: WELLS FARGO & COMPANY (PA)

I had multiple student loans with Wells Fargo Education Financial Services.

As soon as the payments started I put my account on auto-payment. Most, if not all of the loans ( I need to review paperwork to confirm ), were scheduled to be finished in XX/XX/XXXX. 
I haven't received monthly statements due to being on auto-pay. I recently received a bill in the mail for {$50.00}. This is less than the monthly payment I have been making since XX/XX/XXXX. I thought this would be a final payment and that is why I was receiving a bill. I called and they told me it was not a final payment. I received the bill as I " ran out of payments ''. When I asked what that means, I was told that I had made the required number of payments on the loans ( by auto-payment ) but that they hadn't been collecting enough to pay off the loans in that number of payments. Not only had they not been collecting enough over the last 10 years, but I still owe {$9000.00}. 
I have escalated this to multiple managers at Wells Fargo and they will not even call me back, much less explain how this happened. I do not know if it is legal to extend the length of a student loan due to not collecting enough, but it is unethical at best. 
That is beyond the fact that the company is ignoring my inquires on how to fix this problem. Again, I have followed up multiple times, and the last time I spoke to a supervisor ( XXXX ), she promised I would receive a call today with an update. When I didn't receive that phone call, I feel I have no other recourse but to contact you and hope you can help me.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-02-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

I have a coinbase account with 2 factor authentication. That worked great until i replaced my phone and had to reinstall the authentication app. The catch is that you need the app to login, but the only way to install the app is to be logged in. Coinbase was unable to give me access so they instead had me create a new account and then they transferred my money into the new account.

However, i later had transfers into the old account and they were unable to give me access to transfer the coins into my new account. I went back and forth with them for over a month and they were very slow to respond and i eventually gave up.

here is the latest communication. i haven't heard anything in a month Hi there, Im working with a specialist to review and finalize your balance transfer. We will follow-up as soon as the transfer is complete, or if we have any further questions.

No further action is required on your part at this time. Please note, we are experiencing tremendous support volume that may delay response times. For fastest response time, please do not send more than one email response. Thank you in advance for your understanding and patience.

Thank you for your patience in the meantime! 


On XX/XX/XXXX at XXXX PST XXXX XXXX XXXX wrote : also, i'll have to file a CFPB complaint if this isn't handled shortly. 
i've been waiting for over a month. 
On XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX wrote : that doesn't make any sense. here is XXXX sample email of the old account. 
if that account was closed, what happened to the coins that were transferred to it? 

-- -- -- Forwarded message -- -- -- -- -- From : Coinbase XXXX Date : Fri, XX/XX/XXXX at XXXX AM Subject : Your purchase for {$500.00} USD of ETH is now available in your account To : XXXX [ image : Coinbase ] <https : //www.coinbase.com/> [ image : Congratulations ] <https : //www.coinbase.com/> [ image : Coinbase ] Your purchase for {$500.00} USD of ETH is now available in your Coinbase account Reference code XXXX Payment method USD Wallet Date XX/XX/XXXX Amount XXXX ETH*
Consumer complaint received 2024-02-28
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. (TX)

I hope this letter finds you well. I am writing to express my dissatisfaction with the handling of my recent attempt to rectify the late opening of my account. Despite my initial communication and subsequent efforts to resolve this matter, it appears that the issue remains unresolved. 

I first brought to your attention the discrepancy regarding the opening of my account. I followed the protocol outlined by your institution and promptly provided all necessary documentation to rectify the situation. However, to my dismay, it seems that my efforts were not duly acknowledged or acted upon. 

Despite my initial attempt to address this matter, I was disappointed to discover that the account opening process had not been rectified. Consequently, I reached out again on [ date ] to reiterate the urgency of the situation and to request immediate action. Regrettably, I find myself in the unfortunate position of having to bring this matter to your attention once more. 

The prolonged delay in resolving this issue is not only inconveniencing but also reflects poorly on the efficiency and reliability of your institution 's processes. As a customer, I expect a certain standard of service and prompt resolution of any discrepancies or errors. 

I urge you to prioritize this matter and ensure that the necessary steps are taken to rectify the late opening of my account without further delay. Additionally, I would appreciate regular updates on the progress made towards resolving this issue. 

Please consider this letter as a formal complaint regarding the handling of my account opening process. I trust that you will take the necessary steps to address this matter promptly and prevent similar occurrences in the future. I am asking for your assisstance to correct this account in my credit file : XXXX XXXX Balance : {$17000.00}.
Consumer complaint received 2022-09-15
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: AMA Advisors, LLC. (NY)

I have always used automatic payment to pay my monthly mortgage with Homebridge Financial. On XX/XX/2021, Homebridge returned the mortgage payment to the bank. I did not find out until a month later when i was notified by the credit bureaus that i had a 30 day late notice on my credit report. The funds were in my bank account and this was an error on behalf of Homebridge. I have a letter from my bank ( XXXX XXXXXXXX XXXX  ) which states that the funds were in my account at the time Homebridge tried to take the payment and it should have never been returned. I tried reaching out to Homebridge many times for almost a year now and no response from them at all. My loan officer has also tried to rectify this with corporate to no avail. I disputed with all three credit bureaus and they notified me that they submitted the dispute to the " furnisher '' which is Hombridge but they have not received a response as well. I am asking that Homebridge please have this information removed immediately from my credit report as this was their error. I tried to apply for a home equity line of credit but was denied because of this negative account on my credit. Please help me get this cleared with Homebridge Financial.
Consumer complaint received 2020-01-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX  ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$1300.00} on XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I went to XXXX and signed up for the XXXX XXXX XXXX. The salesperson I spoke too specifically said that I have ( 14 ) days to return the purchase if I was not satisfied with the quality of the service. I returned the purchase ( 4 ) days after, so I was well within the term agreement for the return. I was told no fees would be assessed. I was never contacted again regarding this account. I was not aware there was a collection on this account until I obtained a recent copy of my credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-12-02
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ID Analytics, Inc. (TX)

XXXX was given notice via an affidavit to update my personal information. XXXX has choosen to sent me a returning letter on XX/XX/2019, received XX/XX/2019 stating that they would not complete this request. My dispute was very clear and factual. 

This is a violation of the FCRA for XXXX to refuse to investigate inaccurate information on my credit report. 

The affidavit that was sent was a numbered list of points that must be addressed. From the date it was recieved, XXXX still has 30 days to correct or response with an affidavit of their own or XXXX will be in default. 

As a consumer, I will pursue XXXX in Court if it chooses to violate my rights.