davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

On or about Experian credit report XXXX XXXX my Insurance company XXXX XXXX. paid off my totaled vehicle now the check was cash by the creditor XXXX XXXX onXX/XX/2020. I checked my credit because i have www.experian.com it informed me that i was ( 4. ) Months late with XXXX XXXX i was furious because not only was it four ( 4. ) months late but my credit dropped almost 50 points causing me problems getting a mortgage to purchase my house. Now i contacted Experian to no avail. I wrote them a certified letter they final removed it after call XXXX 's XXXX. Now here 's the problem they have not put back my score to were it should be this is very damaging because again there causing me problems to obtaining my mortgage. I have the evidence and documentations to prove everything im stating herein. 
Second cause for Action on or about XXXX XXXX I logged into my Experian report to find again another company namely XXXX XXXX is reporting late on my Experian credit report only mine you no of the other agencies are reporting this so i called XXXX XXXX they acknowledge that my payments are up to date and i never missed a payment for XXXX or XX/XX/2020 again i have bank statements to show proof of he XXXX XXXX payments being paid by my bank XXXX XXXX. Now lets keep in mind this has dropped my score again 48> Points in the negative for an incorrect late reporting by Experian I am going to sue Experian which is no question about that the suit will be for in the XXXX District Court of New York here in the amount of {$500000.00} for Damages, Pain and Suffering, Mental anguish, Deformation of Character, Destroying my credit rating score because this is an on going issue what they have been doing to me it wouldn't be so bad if they corrected it and put my score back to were it original way. But these are the little ''Nasty '' games there praying on people in a time like this which is a ''Pandemic '' is really really troubling. I am also going to file a FTC complaint and a Complaint with the XXXX XXXX XXXX asap.
Consumer complaint received 2020-12-11
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 (DC)

I visited the American Express website on XX/XX/XXXX and was shown an offer to apply for the " American Express Platinum Card '' with an offer of earning 10x Membership Rewards points on applicable purchases at US Supermarkets and US Gas Stations as well as a XXXX Membership Rewards bonus after meeting a minimum spend requirement. On XX/XX/XXXX, I contacted their customer service ( both via website chat and by phone ) to inquire as to why I am not earning 10x Membership Rewards points as I should be. I was told that I would receive a call back by the end of the day which never came. On XX/XX/XXXX, I contacted customer service by phone and was told that, despite the website offering me the offer described above, that I would have to be " solicited '' for the offer via email or mail. The representative became defensive when I questioned why the offer would be shown to me on the website if it were not valid. I believe I was falsely advertised to and am entitled to both the 10x Membership Rewards earning rate and the XXXX Membership Reward sign up bonus.
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1XA ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : Account number : 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
Consumer complaint received 2021-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

On XX/XX/2021 Flagstar Bank , FSB at XXXX XXXX XXXX, XXXX, TX XXXX supposedly made a completely unnecessary payment of {$1400.00} from the escrow account they " manage '' for my XXXX XXXX loan that is serviced by them to the " XXXX XXXX XXXX XXXX XXXX '', a.k.a. XXXX XXXX XXXX, for homeowners insurance that was not due and was in fact Paid in Full by me on XX/XX/2021 prior to Flagstar Bank taking over as the service of this loan on XX/XX/2021. 

I called Flagstar Bank ( FSB ) today and after speaking to a general representative who transferred me to their insurance department. I was told by that representative of FSB that to not have my escrow account under funded when my XXXX property tax bill comes due, I would have to contact the " XXXX XXXX XXXX XXXX XXXX '' and ask them to send me a refund for the overpayment FSB made in error, and then I would need send that money back to Flagstar Bank. 

The issue is that the " XXXX XXXX XXXX XXXX XXXX '', which I also talked with today reports they have never received any additional payment against my policy. So I am left with an escrow account that is short {$1400.00} as noted on the Flagstar website due to their clerical error and confirmed verbally by both their agents today. 

I have backup documentation for all of this and would be happy to supply to this agency.
Consumer complaint received 2020-06-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NY)

The problem i have been having with this company ( SHELLPOINT SERVICING MANAGEMENT ) since my mortgage transferred to them from " XXXX XXXX  " is that i can not access my account online even though i ve tried to resolve the issue since XX/XX/XXXX and before that several times with no luck.They keep telling me that they will transfer my request to IT but even though they did nothing has been resolved and representatives i speak to on the phone have no clue how to fix this.I asked for them to connect me to a specialist several times but they refuse to.Other than that i have no other issue with them and my account is in good standing.I really need to be able to pay my account online and access it whenever necessary.
Consumer complaint received 2020-12-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: VALLEY NATIONAL BANCORP (NY)

I tried to open a bank account and Valley Bank put two remarks on my consumer report stating I owe them a balance which I have paid and have a receipt. They also reported Account Abuse when there was no such account abuse. The balance owed to Valley Bank has been PAID and satisfied. Yet, Valley Bank will not remove the two remarks on my Consumer Report/XXXX  report.
Consumer complaint received 2020-06-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (NC)

I was pre-approved for a conventional loan for an investment property on XX/XX/2020. Today is XX/XX/2020 and I have missed two closing dates and can not get an answer as to when I will be able to close. Due to the lack of communication between the lender, attorney 's office, real estate agents and I, I have been forced to pay an additional {$500.00} in due diligence money on top of the {$500.00} I originally paid. I am also currently paying rent for the home through a buyer 's possession negotiated so my renter 's could move in even though I have been unable to close. These renters were relocating from another state due to job relocation and needed a place to go. Now the seller is considering terminating my contract and I've done everything I can to move this process along. I have provided all the requested documentation several times over and have been asked to justify documentation provided multiple times. I have already been approved for the loan so I can't understand why I can't just close on move on from this. This is the last time I will ever get another loan through Freedom Mortgage and I am sick by the way I've been treated throughout this process. I was going to walk away and use a different lender but was talked into staying on the promise of closing on XX/XX/2020, which also was a lie.
Consumer complaint received 2020-05-03
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. (AL)

Please be advised I am requesting validation made pursuit to 15 USC 1692g Section 809 ( b ) in which I am requesting proof that I am indeed the party you are asking to pay this debt and that there is a contractual obligation that is binding on me to pay this debt.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

i am a victim of identity theft and i have attach a copy of the report below with all information concerning the FCRA. I would like for the following items to be deleted from my credit report from all XXXX CRAs because they are not mine : i have items on my consumer report that are a result of an identity theft and not made by any transaction related to me : XXXX XXXX {$620.00} XXXX XXXXXXXX {$460.00} XXXX XXXXXXXX XXXX {$760.00} XXXXXXXX XXXX  XXXX {$890.00} XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2021-08-20
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: DISCOVER BANK (TX)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... DISCOVERBANK XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Ive have had problems with XXXX XXXX for sealing consumer funds and then sending the consumer to collections leaving the consumer to flip the bill and stealing funds during bill pay debits taking funds assigned to pay a bill creditor claims never received bank show debit but no knowledge of actual funds making it where you have to pay twice on 1 bill, HSBC I found that money will just come up missing with call center and in branch having little to nothing they want to do to help recovery funds, XXXX XXXX XXXX is the only bank that I give award to for outstanding service great with transfers debits and accuracy XXXX XXXX cool made mistakes in the past but fixed them along the way better customer service reps then previous XXXX XXXXXXXX XXXX as well with accuracy but will bug you to XXXX XXXX with text and emails every 5 mins I turned it off and they still do it America as a Corp great I found little to no flaws with them they are very text book and has always offered the helping hand where fair is due they have maintained fairness along the way so for them that means perfect score the only problem I found was the interest accumulation on taxes if that is not paid in a small t of time it turns into the original balance or double
Consumer complaint received 2017-12-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

My teenage daughter received a call last night, XXXX/XXXX/17 at approx. XXXX from XXXX XXXX from XXXX, asking to speak with me regarding a collection attempt of {$3600.00} for Capital One. I called the number back and spoke with someone who stated they were attempting to collect debt for Capital One. I informed them that this was a bogus collection call, that I did not have any late payments, or any problem with any of my accounts and that they were not to call my underage teenage daughter again. I then called Capital One and confirmed with them that my account was in good standing and that there were no problems with the account. They noted my account about this attempt to collect for them, and instructed me to make sure my daughter gave them no information.
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (PA)

I have been unable to get my credit report, due to the credit bureus reporting incorrect personal information under my name and social security number. I have written to them to make this correction immediatly. Their should only be 1 name 1, social security number, and 1 address being reported on my personal credit report. I need them to fix and correct my report immediatley, so that I can access my credit report.
Consumer complaint received 2020-12-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I sent the letters out to the bureaus on XX/XX/2020 and I have not received any notification of the investigation being started. I feel like I'm being taken advantage of. According to the FCRA these inaccurate unverifiable items must be deleted immediately. It's been over 30 days.
Consumer complaint received 2023-01-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Since 2020, Ive been working on this issue. I am a victim of true name fraud. Ive notified the creditors and credit bureaus, and my credit is still being damaged. I had perfect credit before this. This has affected my personal life in so many ways. I cant even do or get the things Im entitled to because of this.
Consumer complaint received 2021-10-19
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 am a victim of identity theft.I have an account on my credit report that is reporting incorrect fraudulent information that is withholding me from seeking new lines of credit. I have disputed this alleged account with XXXX, TransUnion, and XXXX on XX/XX/2021. The account is from XXXX XXXX  and it is not mine as I have been a victim of identity theft. According to Federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) that all fraudulent information and accounts must be removed from the credit report pending proper documentation. I have attached the proper documentation in which I had also sent to the credit bureau 's documenting my identity theft. I have sent my FTC identity theft report, my police report, my drivers license, my social security card, a letter detailing my identity theft and more. All of the proper documentation is provided that is needed to prove my identity theft and that this account is not mine. Below I have attached the certified mail receipts documenting my communication with the credit bureau 's. I have attempted to remove this account directly with the bureau 's and they have chosen to let the account remain on my account
Consumer complaint received 2021-08-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: ENOVA INTERNATIONAL, INC. (IL)

A line of credit was taken in my name by FRAUD on XX/XX/XXXX - The company Cash Net USA will not remove the account, they are saying its not fraud - I have asked for sign loan documents they won't provide. I filed a police report did everything they ask yet still they are pursing me for this money and harrassing me.
Consumer complaint received 2017-12-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Rickart Collection Systems, Inc. (FL)

According to the Florida department of financial regulations XXXX is not license to collect in Florida. In XXXX of 2017 They were added to my credit report for a balance of XXXX
Consumer complaint received 2022-08-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (GA)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, XXXX XXXX  failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
CONTRACT CALLERS INC Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
CONTRACT CALLERS INC Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge.
Consumer complaint received 2021-04-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (NY)

COMPLAINT ABOUT COINBASE NAME OF ACCOUNT OWNER : XXXX XXXX XXXX PHONE NUMBER : XXXX EMAIL : XXXX DESCRIPTION OF THE ISSUE : - On Thu, XXXX XXXX, XXXX XXXX I, XXXX XXXX XXXX, received an alert from my Bank of a Withdrawal of {$300.00}, my alert is for transactions above {$120.00}. See Exhibit A - I went immediately to my Online banking and found out that COINBASE did that withdrawal. 
- Immediately I went to COINBASE and found out a few unsettling facts : o My account in COINBASE had now XXXX dollars instead of the XXXX I approximately had. See Exhibit B o There were multiple withdrawals and buys done that day at XXXX +/-, none of them done by me. See Exhibit C o My name was there but all my address information was from someone else. See Exhibit D - I tried to contact COINBASE and there was no way I could contact them by phone, only an automated message telling me they are not able to assist in person. 
- I filed the form they have to complain when we detect unusual or unrecognized activities. See Exhibit E - Please note that when opening my account with coinbase they requested my personal information, State ID, I activated 2 step verification and they verified through my phone, and verified my email. See Exhibit F - I have XXXX XXXX, I have my latest XXXX Update, always verifying I dont have viruses, malware, etc in my computer or browser. Limited extensions added and XXXX XXXX activated. My browser is current as of the date of the issue and all safety measurements have been taken to protect my personal information which is on my computer. 
- Curiously the COINBASE page didnt have a place where I could cancel any recurring charges in case the person who stole my money did it using that option from COINBASE. Coinbase didnt have any tools to track my transactions, COINBASE didnt alert me of selling my money or any of the transactions shown in Exhibit C - All the private information from COINBASE like secret words to access my account are private and no one had access at no time. 

COMPLAIN - How can someone get access to my access to my account without having an alert into my phone or email? 
- How can someone get access and do everything they want without COINBASE noticing any unusual activity? Clearly a person from North Carolina or somewhere else was using my account with COINBASE consent. 
- I want COINBASE to be accountable and return my money because I feel its their responsibility to protect my money, from people who is not ME. I took all the necessary steps. 
- Clearly one of the transfers was sent to an account starting in XXXX and ending in XXXX, that account has to belong to a real person.