davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

Equifax updated my credit raised my score 117 points after not theorizing since XX/XX/2020 - then days later took another drop 107 for no reason! They are hurting my credit reporting and still showing unauthorized inquires. Also inaccurate account information. Dropping my score after fixing it is ridiculous! Illegal.
Consumer complaint received 2020-09-06
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: Experian Information Solutions Inc. (TX)

I have repeatedly dispute the following items several times and the credit reporting agencies have refused to remove them from my reports. 

XXXX XXXX XXXX {$3900.00} XXXX XXXX {$4400.00} XXXX XXXX XXXX {$9600.00} XXXX  XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX {$7500.00} All have accounts reporting to the credit bureaus and none have provided me any information of me signing documents or doing any business with them directly. I have demanded 3 times that these items be remove or verified that i have direct business with them and I have not received anything.
Consumer complaint received 2022-04-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Neon Newco Corporation (FL)

XXXX XXXX  NetSpend are violators of the law and their own policies to close my account without consent. The account is not a benefit account ie. ssi or XXXX. It's a payroll account that's direct deposited each month. Regardless of my preference and choice in this matter, there's no reason to undermine the account owner No other has the right to close a personal account.
Consumer complaint received 2022-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2021-04-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation (GA)

I tried to obtain An installment loan and I met the requirements from the initial underwriter XXXX ..but as we got closer and closer to me signing the underwriters documents ... XXXX asked me to come in to give them documents that I could not receive as it was advertised on the news that transcripts/ taxes for 2020 are delayed .. I also had someone from the XXXX on the phone at the same time as XXXX explain that it was too early to provide transcripts ..I provided my tax returns from XXXX  and I underwriter claimed that wasnt enough.. 
Afterwards the underwriter asked me to clarify a car loan that reported on my credit report ..once I verified it she asked if my car note was lower which had nothing to do with my debt to income ratio recorded ..everything was fine until I sent in my id ... i feel XXXX discriminated against and its not right
Consumer complaint received 2023-04-06
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. (IL)

In accordance with the Fair Credit Reporting act 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 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 XXXXXXXX 15 U.S.C 1681 section 602 A. States I have rights to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-05-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (NJ)

OnXX/XX/XXXX i tried to sell off my XXXX Celo. upon first attempt to sell it was clear i did not have the full amount in my account but i assumed this was because my account was unverified. upon verifying my account the Celo i tried to sell initially was not returned to my account. Additionally. The amount sold was unavailable to my bank account. 

i would like a return of my lost tokens ( XXXX ) at price XXXX
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX Date Opened XX/XX/XXXXXX/XX/XXXXXXXX XXXX Date Opened XX/XX/XXXXXX/XX/XXXXXXXX Date Opened XX/XX/XXXXXX/XX/XXXXXXXX XXXX Date Opened XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

In accordance with fair credit reporting act XXXX  account # XXXX, has violated my rights act. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-12-04
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. (MD)

CFPB Template On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2021-05-25
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. (DE)

I have reached out to Experian well over 365 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my credit report.
Consumer complaint received 2021-05-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bread Financial Holdings, Inc. (NY)

XXXX XXXX provided me with a letter stating that they found that my account was fraudulent and that I owed them no money. They then have this account listed on my credit report as a collection. I wrote Comenity bank and sent them a copy of the letter that they sent me, and this still shows as negative on my credit report. This company is in violation of the FCRA and FTC by reporting fraudulent information to the credit bureaus. Comentity reported that I owe {$1200.00} to all 3 credit bureaus after the letter was written and sent to me about the fraud that occurred in my name on this faulty XXXX XXXX department store account. This account as state din the letter was supposed to be deleted and removed from my credit report. This has affected my credit tremendously by my score dropping because this is the only account I have in collections.
Consumer complaint received 2020-10-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (LA)

I owe Synchrony Bank a debt due to a Lowes credit loan I applied for and accepted in XXXX. I fell behind on payments and was notified ( via mailed letter ) the debt was sent to XXXX  XXXX  who has now been charged with collecting payment. I have asked XXXX  XXXX  for billing statements detailing the amount owed. They, XXXX  XXXX, have refused to send records prior to XXXX. I believe they are misrepresenting the amount I owe which is the reason behind their refusal. I have already spoken with Synchrony Bank who stated they do have the records but will only send them to XXXX  XXXX.
Consumer complaint received 2020-11-13
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. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block or remove this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2022-04-07
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. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-05-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (SC)

My mortgage company did not pay my insurance through my escrow account, while caused a cancellation. I am not required to purchase new insurance to remove the lender placed policy. No insurance company will insure me due to the lapse in coverage, and the one I did find will insure me a three times the rate I originally had. 

My mortgage company received four letters requesting payment from my insurance company. A renewal letter was sent on XX/XX/XXXX, a reminder was sent on XX/XX/XXXX, a pre-cancellation notice was sent on XX/XX/XXXX and the policy was not paid so an official cancellation notice was mailed. 

I never received any letters from my mortgage company to let me know they had not issued payment for insurance. The agents have all confirmed they can not locate any notification that was ever sent to me. I had no idea I was uninsured until XX/XX/XXXX when they purchased lender placed insurance on my home. From XX/XX/XXXX through XX/XX/XXXX I have not had insurance on my property and the mortgage company has never reached out or notified me of this ongoing issue. Now they are unwilling to provide me with my investor information as I would like to speak to them on the " servicing '' they are providing my loan. 

The agent let me know it is not their responsibility to " monitor the account all day and night to make sure you are handling your mortgage needs. '' This has now caused me months of calls, research, XXXX, and now a policy of minimum coverage at three times the rate. This will cause my mortgage payment to increase, and I am already having a hard time with making the payments. They tell me this is not their problem. Please help!
Consumer complaint received 2022-04-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX / {$180.00} / XX/XX/XXXX XXXX / {$330.00} / XX/XX/XXXX XXXX  XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX  / {$0.00} / XX/XX/XXXX XXXX OF XXXX / {$0.00} / XX/XX/XXXX XXXX OF XXXX / {$0.00} / XX/XX/XXXX
Consumer complaint received 2022-04-07
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: EQUIFAX, INC. (MD)

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2022-04-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Persolve, LLC - Legal - Series 2 (GA)

I am not liable for this debt with ( XXXX XXXX XXXX XXXX and I do not have a contract with PERSOLVE LEG plus they did not provide me with the original application like I asked. 
Account XXXX Amount Disputed : {$16000.00}
Consumer complaint received 2020-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UHG, LLC (TX)

This company assigned XXXX XXXX XXXX XXXX on XX/XX/2020 to handling the account # XXXX I dont know this company I never have a business with them. I want cease and desist all collection activity for this account.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Idaho Housing And Finance Association (TX)

I really have just about had it with everyone involved at this point. I am a good taxpayer and bill payer, single XXXX year old woman. Not some whiny XXXX. You need to use your attorneys and straighten this out for me and everyone else being harmed. 

I took out a mortgage with down payment assistance that was a silent lien, a lien placed on the asset. I have enclosed a copy of the recent credit report update. Now they show both by First Mortgage and the XX/XX/XXXX status as if it is in " Forbearance '', I also enclosed a definition straight from XX/XX/XXXXselling guide as to their definition of Forbearance since no one is quite sure what it means. 

I have tried this complaint 3 times, each time has yield a different result, previously the bureau simply removed both reportings as " closed '' Now, they put them both back on and noted they are in " Forbearance '' " A forbearance plan is a retention option in our workout hierarchy for a borrower with an eligible hardship that is temporary in nature and has not been resolved. A forbearance plan provides for a period of reduced or suspended contractual monthly mortgage payments, followed by a full reinstatement, mortgage loan payoff, or another workout option to enable the borrower to resolve the delinquency '' The Silent second was a lien, there is no balance due, there are no interest charges, there are no payments due, yet they show it in Forbearance. It is killing my Credit Score, it looks like a collection account. Recently looking at a car loan, the lender told me they would count 5 % of the outstanding balance " as if it were a collection account ''. This account is a lien, it in no way needs to be reported on a credit bureau, it affects my ratios, it causes a lower credit score ... this is simply unacceptable. I never agreed to this. The SIlent Second was disclosed to the First Mortgage provider, I was not informed that XX/XX/XXXX would be reported to any credit bureau in any fashion.. The First Mortgage, I did sign paperwork that I understood the lenders obligation and my rights under FCRA The big issue, the First mortgage with Home Loan Serv is I pay this every month and have all year, even while being unemployed when my employer closed, yet it shows in Forbearance. It is not in Forbearance, they are just trying to keep me paying the high interest rate because in reviewing XX/XX/XXXX guidelines : homeowners who missed payments and entered into a loss mitigation solution such as a repayment plan, payment deferral, or loan modification are eligible for a new refinance or purchase mortgage after three timely payments. The lenders I spoke with were very clear the current mortgage can not be noted as " in forbearance '' From what else I read, the receive a premium of some sort when I make timely payments if they code it as in Forbearance.
Consumer complaint received 2019-08-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WSFS FINANCIAL CORPORATION (TX)

I request in writing to the company that this charge of the note and deed of trust will send me copies of the documents that accredit them as owners of my note or mortgage loan, additionally request complete and detailed information regarding any document, transaction involved in the negotiation of my note or mortgage for which I am committed to pay. but I have not received the complete information, they only send information about the incomplete note, they do not send complete documents, or copies of the original documents, request their examination, for the verification of the veracity of the same, they only say excuses.

They are only hide important information , with reference to the original documents, sending the requested information incomplete and truthfulness flaw.
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP (CA)

On XX/XX/2020 I have received a debit card from U.S. bank reliacard. I believe that my personal information was use by another person to apply for unemployment or unemployment insurance program from the state of Ohio.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with fair credit reporting act XXXX  account # XXXX, has violated my rights act. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-05-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (WI)

I am under forbearance with Rocket Mortgage and they had a debt collector call me today. My forbearance is through XX/XX/2021, and they have given me the option to extend that for another month with a trial period of three months with a slightly reduced mortgage payment. So I do not have a payment due right now until XX/XX/2021, and then with this program, XX/XX/2021. I resent them calling me under the debt collection division. This is absolutely wrong and should be against the law. Forbearance should be protected from the mortgage company posing as a debt collector. Shame on Rocket Mortgage.
Consumer complaint received 2019-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

I bought a XXXX Washer Machine on XX/XX/2019. I place an order online but when I got the washer it was too big and I decided to return it, Best Buy Store charged me {$69.00} for return Delivery. While I was waiting for the machine to be pick up I tried to make an space so it can fit in my kitchen and it did. I went back to the store to cancel return, the canceled it but my {$69.00} is not on my account back. I tried to fix the problem with them but theyre saying theres no way to put that money back on my account, that is called STEALING. So I want to file this complaint because Inma not fair the easily charged me but now no money back