davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-12
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)

they reporting XXXX XXXX, i informed them if they can put in remarks sec that this bank took longer then the require time to correct the chg as they are require to.
Consumer complaint received 2021-10-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (CA)

Today on XX/XX/XXXX I had spoken with RPM known as Receivables Property Management in XXXX, Washington regarding a debt that I do not owe on. They contacted me regarding an debt from an car through XXXX XXXX  XXXX from XXXX XXXX that is no longer in business. I am unfamiliar with this company and debt pertaining to me from RPM. I ask them to verify the account and they could not validate or send me over a contract.
Consumer complaint received 2021-03-25
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: GERSHMAN INVESTMENT CORPORATION (NE)

I have been working on my new home mortgage with the Gershman mortgage company. I have been working directly with branch XXXX XXXX XXXX. We have been working on this loan for more than XXXX weeks. We started the loan application and then she asked me for all the documents needed to begin the process. Before we started I mentioned that I had school loans and asked her if that would affect me in getting a loan through them. She indicated it wouldn't affect as long as I'm not paying anything right now, I let her know that I wasn't because I was currently still in school and I won't graduate until XXXX of XXXX  and that the loan repayment would start XXXX  months after graduation. She asked if I can get the loan information and I sent that to her. Weeks passed and she didn't mention anything about it anymore. Then XXXX XXXX comes she called me about XXXX times to ask me for Insurance for the home and started to mention that now my school loan was affecting my debit yo income. But that she was still trying to see what they can do. Since I was trying to get the home insurance already I went to the home insurance company I chose and got it then she called me stating that she was trying to see if I could rent the home until I can get a total of about {$21000.00} for the closing. The closing was already on XXXX XXXX and she had already made me sign paperwork and on XXXX of those documents it stated my closing costs which was {$8400.00}. I think she should have explained all this before and should have not lied about the loan not affecting. I asked her if I had any other choices and she said only come up with the rest of the closing costs or if I wanted to close this mortgage. I right away said close it because that was a lot of closing money and that's not what was in the beginning and I advised her that was not ok how she went about it.
Consumer complaint received 2020-07-17
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: Experian Information Solutions Inc. (CA)

I'm just wondering what's happening with accounts I disputed on the XXXX of XXXX. I still have not received any paperwork back. I know it takes 30 days and the credit bureaus are on the other side of the country from where I'm at, but I figured 40 days should be enough. I also read that if I dispute again while my first dispute is active it will just extend the investigation time. Its day 40 so I figured I might as well file this complaint now instead of sending another dispute which will delay my investigations more.
Consumer complaint received 2020-07-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (NY)

I contacted PHH Mortgage on XX/XX/2020 inquiring on how to transfer my loan and deed to my sister in law ( Loan Assumption ). 
the representative with ID # XXXX ( XXXX ) told me that i will received a package in 7 days. We will need to complete and send it back to PHH Mortgage. 

On XX/XX/2020 called again and spoke to XXXX and he told me they will expedite the package because was not send yet. 

XX/XX/2020 still did not receive the loan assumption package and called again. i requested to speak to a manager and i was transfer to XXXX, ID # XXXX. He told me he will call me back once the package was mail. on XX/XX/2020 he called to let me know i should received my package soon because it was mailed out on XX/XX/2020. 

XX/XX/2020, still did not received my loan assumption package, called back and representative with ID # XXXX after i explained my frustruation, he told me that the package will me sent by E-mail and Fax in the next 24 to 48 hours, he copy all my information ( E-mail address and Fax # ) and placed me on hold and then hang up the phone on me. 
a few minutes late he called me back and promissed to fax and e-mail the documents. 

XX/XX/2020, did not received an E-mail, fax or package by mail. 
called again and spoke to representative with ID # XXXX, then he proceed to fax me a letter with instructions on how to request a loan assumption .... again no application was sent or anything else. 

I am frustrated by now and still need to transfer my home to my sister in law. 

Best regards, XXXX.
Consumer complaint received 2019-05-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (MT)

I've made every payment in the first week of every month for the last 5 months. This bank is saying I am ten days delinquent for my XXXX payment but I have proof that I paid XXXX 's payment. I called today on XX/XX/XXXX and talked to two representatives who refused to help me and hung up on me each time
Consumer complaint received 2021-07-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Hayt Hayt & Landau, P.L. (FL) (FL)

I XXXX XXXX has been abuse and deceived with the use of unfair debt collection practices, where my right to privacy has been breached. XXXX  XXXX XXXX, XXXX. has cause injuries to me by violating the Fair Debt Collection Practice Act that was set into place to protect the consumer from such abuse. On XX/XX/XXXX XXXX  XXXX XXXX, XXXX. violated 15 USC 1692i ( b ) by filing sue against me the consumer. Pursuant to 15 USC 1692i ( b ) Debt collectors is not authorize to bring forth any legal action against the natural person ; the consumer. XXXX  XXXX XXXX, XXXX. violated 15 USC 1692c ( 3 ) by using representation of an attorney in connection with the collection of the debt. On XX/XX/XXXX XXXX  XXXX XXXX, XXXX. violated 15 USC 1692c ( a ) ( 1 ) by the issuance of a SUMMONS/ NOTICE TO APPEAR FOR PRETRIAL CONFERENCE without the prior consent of me the consumer given directly to them at an unusual time and place which known to be inconvenient to me the consumer. Also on XX/XX/XXXX XXXX  XXXX XXXX, XXXX. violated 15 USC 1692c ( a ) ( 3 ) by the issuance of a SUMMONS/ NOTICE TO APPEAR FOR PRETRIAL CONFERENCE without the prior consent of me the consumer given directly to them at my the consumer place of employment where such communication is so prohibited. XXXX  XXXX XXXX, XXXX. violated 15 USC 1692e ( 13 ) by issuance of documents titled SUMMONS/ NOTICE TO APPEAR FOR PRETRIAL CONFERENCE and COMPLAINT FOR DAMAGES are both false representations and implications of legal process.
Consumer complaint received 2021-07-15
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: EQUIFAX, INC. (TX)

This is my 3rd submitting a dispute request via the CFPB about XXXX  and Equifax simply because these ( 2 ) bureaus are NOT responding to my disputes ... Please delete this negative debt especially since you all can not even verify it ... By law you have 30 days and its been almost 4 months. 

XXXX XXXX XXXX UNVERIFIED ACCOUNT- DELETE IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TEXAS XXXXXX/XX/XXXX XXXX
Consumer complaint received 2020-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

Bank of America I Want to dispute negative information that reporting on my credit file on XXXX  you are reporting date of late payment was XX/XX/2018 I feel this information is in correct I have check my bank account and found no payments made to your bank on XX/XX/2018 could you please send me a copy of a canceled check that you made have cash on that date. If not could you please remove this for Inaccuracies thank you!!
Consumer complaint received 2023-07-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westcreek Financial (FL)

I have a lease to own account showing on my credit report. There's only a record of an XXXX payment, when in fact I made all my payments for XXXX and XXXX as well. The way the plan works is if you pay off the balance within 90 days, you're no longer charged for the item and own it outright. I've done this. My credit report still doesn't show that the account is now paid off and the line is closed. It also still doesn't show the accurate payment history made by me. I've tried to flag this for both the credit bureaus and for the company, but to no avail.
Consumer complaint received 2024-03-16
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Complete Credit Solutions, Inc. (IL)

Complete Credit Solutions has caused much distress in using illegal tactics and continued harassment. The company does not even have a legal license to collect to in the state of IL which is required. They have placed a hard inquiry on my credit during the dispute process. This is after sending a cease and desist after continued calls and threats. They also threatened me with a letter stating its from the attorney and I had 10 days to respond. This letter was in XX/XX/year>. They are reporting inaccurate information to the credit bureaus and I have no signed contract with them. My case is now with the attorney general.
Consumer complaint received 2022-09-12
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. (VA)

XXXX XXXX XXXX the consumer, has contacted Experian numerous times about the inaccuracies found on his consumer report. Experian continues to report inaccurate information on the consumers consumer report without disclosing the method of verification used to verify the inaccurate accounts. Experian is in violation of 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ). Multiple Credit reporting agencies have deleted the same accounts in question ( see attached file ). Im demanding Experian show me the verification method used to determine the completeness & accuracy of the following accounts that have been deleted from other consumer reporting agencies. ( see attached file ).
Consumer complaint received 2015-10-14
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (SC)

Everything was fine until they had an update. Update still going when they said it was only suppose to last 5 hours. U ca n't get into your account, ca n't get anyone on the phone or it hangs up on you, if you had a balance before the update the balance now shows XXXX, direct deposits are not going into the accounts either. They are not responding to emails. The only updates you see is on social media, they are not telling the customers themselves.
Consumer complaint received 2015-06-02
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SQUARETWO FINANCIAL CORPORATION (TN)

I took out student loans with XXXX. I paid and consolidated the rest of my loans. I contacted XXXX and they said I do not owe them anything and they do n't know why this other company is contacting me. I also asked the company for proof and they have not and will not provide it. I told them that I do not owe this debt and they just tell me I do. I also asked why they keep reporting on my credit and they tell me they are not. They also stated that if I do n't pay them then they will garish my wages and put a lean on my house and tax my taxes. They also informed me that I could end up in jail.
Consumer complaint received 2021-10-06
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL (CA)

I have paid off and had accounts with this Company and now they need a phone call from me @ XXXX XXXX to verify my identity at the same location for 26 years and no other accounts with Synchrony Bank are in default meaning all accounts dingy or joint are all paid on time.
Consumer complaint received 2020-08-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CREDIGY USA CORP. (TX)

My vehicle loan was being serviced by XXXX XXXX  XXXX XXXX   XXXX 'XXXX  ( XXXX ). I received statements from the company up till the middle of XX/XX/2020. On XX/XX/2020 I sent a payment through XXXX XXXX for the amount of {$410.00} as i typically would. On XX/XX/2020 i called XXXX and they advised me that they no longer serviced my account and it was sent over to another company by the name of White Coast. I was given a phone number to White Coast. I called White Coast and they told me that my account was being serviced by XXXX. For the week and a half I've been in contact with both company 's, XXXX and White Coast, and they both are telling that don't service my account and I have to call the other. No one from either company can tell me who is servicing my account. I have not received any form of letter from either company explaining to me the status or the update of my account. I was never provided any type communication of whom bought my account or that it was turned over to another company. I've reached out to XXXX and the only response that i get is to call White Coast. I then spoke with a Supervisor by the name of XXXX whom works for the company Credigy Solutions. Credigy is a contracted by Whitecoast Trust to service clients over the phone. XXXX stated to me that she would reach out to her analyst to find out if the account is with Whitecoast or XXXX. I called back and when XXXX was available I would speak with her briefly and she told me that i had to call another phone to XXXX XXXX. I called XXXX XXXX  and they told me that XXXX has my account and then just transferred me to XXXX. I just keep getting pushed around to someone else. No one can tell who has my account. White Coast Trust has not sent any communication and the customer service line in unhelpful. XXXX has advised that they sent my payment of XXXX XXXX XXXX on XX/XX/2020. I have no account number for Whitecoast but customer service is able to locate me through my ph # and my Social Security Number.I was provided this address for White Coast by the customer service agents at Credigy. White Coast Trust Address : XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX DE, XXXX. Only ph # is XXXX. I can not find any information about White Coast Trust online.
Consumer complaint received 2024-03-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC (CO)

Check into cash attempted to take out {$530.00} on XX/XX/XXXX out of my checking account without warning or notice. No call, no email or text. I went into default with the loan due to financial hardship sometime in early XXXX I reached out to a debt relief agency to get my finances back on track after a long illness. I was finally getting on track and then all of a sudden and not hearing from them in Months they try to take that money. That wasn't even the amount I owed. Who knows what they were trying to charge me for. I had no break down of the charges, no contact, no nothing. I reached out to the local office with no luck. The line was busy for two days. I reached out to the corporate office in which they were no help either. It has got to be illegal to to take that large amount of money without warning or consent. That wasn't even in the agreement. If that payment would have cleared the bank it would have left us with no food or rent money. That is not right or ethical. I want to file a complaint on this company for unethical business practice and I will be contacting the district attorney for further action
Consumer complaint received 2021-04-23
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (MD)

Shellpoints payment history to the three credit bureaus is incorrect as of today. The loan was Service Transferred from XXXX XXXX to Shellpoint Mortgage Servicing with transfer date of XX/XX/XXXX. The loan was current and the attached XXXX statements show payments we made for XXXX, XXXX and XXXX of XXXX. We have made a total of XXXX payments from XX/XX/XXXX to XXXX of XXXX, that were all paid in each month with no late payments. 

The loan was Service Transferred from Shellpoint to XXXX XXXX XXXX starting on XX/XX/XXXX. The attached XXXX statement from XXXX will show that both XXXX and XXXX payments were posted. The statement shows the XXXX payment recorded for XX/XX/XXXX and XXXX 's payment for XX/XX/XXXX. Both payments were made by XXXX directly to XXXX XXXX XXXX. 

The attached screen shot from our Experian credit report shows a status date of XX/XX/XXXX that I captured today. It shows both XXXX and XX/XX/XXXX payments note being recorded to the credit bureaus. It also shows a XX/XX/XXXX payment, that should not be showing, because our last payment to Shellpoint was XX/XX/XXXX.
Consumer complaint received 2018-03-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (VA)

I am currently attempting to withdraw {$4100.00} USD from my coinbase.com account and and am being blocked. I have no trouble adding funds to my account, but when it comes time to withdraw money it says my ID is not verified and rejects it when I attempt to verify my ID ( even though I am already verified ) and will not tell me what part is wrong. For some odd reason I was able to withdraw a portion of it earlier this week ( {$1800.00} ), but it blocks anymore.

Customer service simply replies with an FAQ email. It does not resolve the issue that I have thousands of dollars in coinbase that I am unable to withdraw. The customer service phone line refuses to help with ID issues.

I have been a verified user of coinbase since 2013. My bank accounts and ID were previously verified. I am left with no course of action to follow to get my money out of coinbase.com
Consumer complaint received 2018-06-22
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: United Collection Bureau, Inc. (CA)

United Collection Bureau , Inc. ( dba XXXX XXXX XXXX ) has contacted me multiple times attempting to collect an alleged debt. I have demanded that United Collection Bureau , Inc. provide the complete account number of the alleged debt, the name and address of the alleged creditor, and verification that United Collection Bureau , Inc. is authorized to act in loco creditore. United Collection Bureau , Inc. has failed to provide all of the information I requested.
Consumer complaint received 2022-04-01
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. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/2017 i went on XXXX to see if there are any interesting credit card offers for me, after putting in my information including the last 4 digits of my social security number an offer came up offering XXXX Amex Membership rewards point for signing up for the Platinum card, I clicked on the offer, it then requiredme to log in to my americanexpress.com account, after that I got to a page with the offer, it required me to put in a few basic information, I read through the entire offer including all the terms and condition and I found to be eligible for this offer, it did not state anywhere that the offer is not available to applicants who have had this product before, so i went ahead and applied for this offer, I got approved and completed the required spending threshold, but when it came the time frame of receiving the bonus I saw that no point came in, I called American Express and they informed that since I already had this card in the past I am not eligible to receive the signup bonus, so I said that there was no mention about this in the application, they insisted that it does state that in the pplication, I asked them to open a complaint, after waiting months the case just closed saying " case was closed as Non Amex error as no defect was found post investigation '', this is unacceptable as American Express was clearly saying that I will get the signup bonus and they have no reason to deny me these points
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX I became Aware of a problem pertaining a student loan that I havent ever applied for and I contacted the school which is XXXX on serval occasions was advised to by a supervisor to ask school to cancel the Promissory note which was never done I reported this to the FTC and I have been sending in documents with My signatures as well as talking with a supervisor name XXXX XXXX on XX/XX/XXXX recent documents that was asked of me and then was ask for the report that I made to the FTC and receive a notice of denial this isnt my loan Ive never been in California nor am I aware of this issue which has been a hardship on my life Im XXXX and have been since XXXX I had a XXXX a Veteran with XXXX XXXX I would really appreciate if this would be taken off of my credit in the name of Jesus. Please help me trying to do something for my family and this is truly in my way I believe now whoever took out this student loan the school knows the person XXXX is the school I believe financed through XXXX in the amounts of & XXXX, XXXX and {$2.00}, XXXX which is truly Affecting my credit in the name of Jesus please help me remove these items off of my credit