davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

My credit report still contains items that supposed to not be there the federal laws states that if I sent you dispute to correct my file you must comply to. I am enclosing an Identity theft report and my ID because I'm a victim of Identity theft. These charges are not included in my report since I did not make them. I meet the standards for Blocking and Removal of the below information under 15 USC 1681c-2.
Consumer complaint received 2020-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Accelerated Creditors Services, Inc (GA)

I paid off my car in full I previously complained that credit acceptance did not report that I paid the car off in full a representative called me this morning I notice my credit score dropped 9 points when I inquired as to why it showed that credit acceptance did not show my vehicle paid but it just said the account was closed which reflected derogatory so not only did they not report that my car was paid in full now it's showing up as derogatory because it looks like they closed the account due to non payment
Consumer complaint received 2021-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

In XXXX of this year my credit card was used in XXXX XXXX, I do not have the exact information where it was used, I have charges for XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX roses XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX,XX/XX/XXXX XXXX XXXX, foreing currency fee XXXX, adjustments XXXX,
Consumer complaint received 2021-11-30
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. ()

My credit report by transunion in XXXX app shows that there two XXXX communications lines taken in my name but I have never used XXXX. Then I opened TransUnions site and created an account. They charged me {$20.00} just to see my credit report and file dispute but my credit report information does not come up on their website but one of thr addresses and phone numbers mentioned in their is not mine. It shows my name but the address is in XXXX whereas I am in XXXX.
Consumer complaint received 2020-10-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

Hello, On XX/XX/XXXX, I transferred XXXX XLM crypto coin being valued about {$6300.00} from my hard wallet to Coinbase wallet. The fund successfully left my wallet and landed at Coinbase, but was not deposited to my Coinbase wallet.

I reached out to Coinbase customer service and opened a ticket. They requested additional information regarding the hash ID and transaction ID. I provided all they needed. To verify further they  requested that I should transfer exactly 15 XLM coin, to be sent out exactly from my original address as the one under question, and to be sent to the exact destination address. I did exactly as instructed and provided them with confirmation screenshot and all the information about the requested transaction. Since then they have not been responsive and have not provided any update. I opened another ticket to address the issue, but no luck yet.

Since cryptocurrencies value fluctuates, and I wanted to liquidate them, the value of my coin has decreased since then. I'd very much appreciate your assistance and support in this regard.

Sincerely,
Consumer complaint received 2019-06-07
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. (TX)

Disputed a XXXX account previously with Equifax in XXXX and item was removed. Then it reappeared on report in XXXX and I disputed it again. This time it was not removed and it looks like the debt was just incurred but it is actually over 10 years old. This has kept me from obtaining jobs and it is lowering my score.
Consumer complaint received 2021-05-05
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. (AL)

Im filing a complaint on the Bureaus for not responding to my disputes after 30 days have past. According to the FCRA Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report, it has been over 40 days days so they should be deleted promptly. 

On XX/XX/2021, I sent letters to the bureaus concerning false reporting of unvaildated and unverified accounts on my report still haven't heard a response. These furnishers need to abide with the LAW and stop trying to take advantage of the lil guy. 
I am the original creditor and only I can validate these debts, and I Do Not valid any of these accounts.
Consumer complaint received 2019-06-08
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Kohls closed my account, which I have maintained for over ten years. I called the company, and Kohls representative stated that the " consumer closed the account. '' I never permitted Kohls to close the account. Furthermore, only two months ago, I received correspondence from kohls saying that they cleared up any late payments due to bank error. I have proof of the documentation that stated that all late payments or any negative info on credit reports were removed, which were improperly recorded on credit reports by them. Kohls never sent written correspondence about the closure of the account and the only reason I found out my account was closed was when I attempted to make a purchase, the merchant stated the account was closed.
Consumer complaint received 2024-05-13
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIZENS FINANCIAL GROUP, INC. (NV)

The credit card would not allow a purchase to be made through XXXXXXXX XXXX for {$170.00} on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I got a fraud alert from citizens card, Suspicious activity on card XXXX Please call us immediately XXXX. Reply STOP to Opt out of Fraud Alerts. After calling the talk to a customer service XXXX, he tried 6 times to get payment to take without without issuing a fraud alert. My son was unable to make purchase at XXXX. On XX/XX/2024 I called Citizen credit card to activate XXXX XXXX usage. The person XXXX is totally incompetent and should be working at a fraud desk call center
Consumer complaint received 2021-11-17
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Compass Recovery Group, LLC (NY)

My ex girlfriend and her family have been constantly getting calls and voicemails from this debt collector. On XX/XX/XXXX he used my ex girlfriend information through social media and called her mother who lives in another state and told her about my debt.
Consumer complaint received 2019-08-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

I hope you can help us, as we don't know where else to turn. We were given your name ( CFPB ) by XXXX XXXX XXXX and they advised us to contact you because of the trouble we are having with our current loan company and their unfair practices. 
We currently have a mortgage with Select Portfolio Servicing, SPS. Our current percentage rage is 8.85 %. We were looking into refinancing with XXXX XXXX XXXX and that's how we found our issues with SPS. There are 2 complaints I am filing against them today. 
SPS is stating we owe them {$9300.00} in escrow/delinquent taxes, from XXXX and XXXX. We never signed up for the escrow, as we pay our taxes outright every year. We paid the taxes in question and even have receipts for them. On XX/XX/XXXX, I filed a discrepency with SPS about the owed taxes and they said they would " have their team look into it. '' A few days later I got a phone call stating from SPS that they found no discrepency and we owe the {$9000.00}. We told SPS that we have paid receipts for the taxes in question and they said it didn't matter, we still owed them the money. I am attaching a copy of the paid tax receipts in this complaint. 
The other complaint is, SPS told me I am behind payments, which I was not. But they said it was a missed payment from between XX/XX/XXXX and XX/XX/XXXX. But SPS never told me about a missed payment SIX years ago. If I knew about this " missed payment '' I would have paid right away. Instead, they waited SIX years to tell me. I was never notified about this in XXXX. So for six years, I've essentially been behind a payment, without my knowledge. 
We are trying to refinance this current mortgage with XXXX XXXX XXXX at a rate of 3.8 % instead of the current 8.85 % with SPS. 
XXXX XXXX advised us to contact CFPB before they can proceed with our loan, because of the current issues and unfair practices of SPS. 
If we can get the mortgage with SPS settled, then we can proceed with XXXX XXXX. 
SPS holds the title of our property and has threatened Sheriff 's Sale because of these " owed '' taxes. 
Please help us. You are our only hope. We don't want to lose our house.
Consumer complaint received 2019-06-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I opened up a Bank Account with Bank of America back in 2014. And somehow when I ended up closing my account later. Somehow the Bank ended up saying that I owe them money from a overdraft few! That was something small I can't remember the amount but it was never more than {$60.00} or {$70.00} dollars that needed paying back! So I ended up paying everything back and somehow I ended up on Something called XXXX  XXXX! I even called XXXX  XXXX to have it removed from my Credit report. And Bank Of America and XXXX XXXX told me that it would be removed but it's still showing up on my Credit report and am having hard time opening up a New Checking account. Can someone please look into this matter as soon as possible please? Thank you. And yes I was a victim of Identity theft. And Police report was taken
Consumer complaint received 2021-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC (UT)

Recieved a call from gccollection XXXX This wasn't my first call from this number they had called in the past asking if I were myself. At an address in XXXX. Which I don't live in XXXX so I ignored them. This time around I recalled my car was registered in XXXX so it might be somthing I should ask them about. 

The lady on the phone gave me my actual account number to my XXXX  XXXX  account, an address listed under a car I own in XXXX utah, and 2 dates that match a time were i had actually owed XXXX  XXXX. 
She also gave me a subscriber #, and amount owed. Apoun calling XXXX  XXXX I was told I don't owe any money on XXXX  XXXX, and that this must be fraud. 
The email, and number I was given to contact this company back to pay the supposed debt is XXXX XXXX XXXX
Consumer complaint received 2022-04-02
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: Experian Information Solutions Inc. (CA)

his consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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
Consumer complaint received 2019-08-14
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. (LA)

Regarding XXXX  XXXX Payment History The payment history that is reporting from XXXX XXXX Mortgage is incorrect. 

XXXX XXXX transferred the mortgage to XXXX in XXXX of XXXX. 

Prior to the transfer a forbearance/modification with XXXX XXXX was in place to correct the payment history and clear the matter. The agreement with XXXX XXXX was in effect beginning XX/XX/XXXX. 

The modification was initiated due to a National Disaster ( Louisiana XXXX Flood XXXX ). 

We contacted XXXX XXXX in XX/XX/XXXX to request relief due to the flood. XXXX  XXXX created a forbearance plan ( attached ), then they suggested we apply for a modification agreement to reduce payments and defer the payments missed during forebearance. We agreed and XXXX XXXX initiated the first Modification and said the history status would be cleared to show no late payments. We submitted the borrower assistance packet in XX/XX/XXXX, and months later XXXX XXXX denied the application. They kept calling telling us to refile the application, new rules were in place. So, we filed again and it took over a year to come to a conclusion of the agreement. The agreement was effective XX/XX/XXXX. The modification terms were finally set in place and the agreement was to make three modified payments for XXXX, XXXX and XXXX. They told us that even though the previous payments were reporting late, once the modification was completed, all of that would be cleared. 

The first two payments ( XXXX and XX/XX/XXXX ) were made by us as agreed, then the loan transferred to XXXX. We called XXXX XXXX and XXXX to find out what we should do and were told that in order to complete the agreement, to send the last payment to XXXX and they would comply with the agreement. So, we completed the agreement by paying the last payment ( XX/XX/XXXX ) to XXXX/XXXX. 

However, XXXX  XXXX did not hold up their end of the agreement. We contacted XXXX XXXX several times to clear the matter up, but we were told that all files were transferred and they did not have any record/evidence of the modification. 

This matter should be cleared up immediately and our history and payments corrected as promised by XXXX XXXX. 

Also, the status says 90 days late, but no payments were ever 90 days late. I have all of my bank statements with payment history. 

Please let me know if I can supply any further documentation. 

Our credit file history has been incorrectly tainted for well over a year, and as a result we have had to pay higher interest rates for loans obtained. 

Please provide a status update to me within 15 days.
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Prosper Marketplace, Inc. (IL)

I was unemployed for a period of time and accumulated a sum of credit card debt, which I am now paying down after having gained a decent job. However, I regularly receive mailings from several companies that have very imposing-sounding wording, and are misrepresenting the contents of their mails. For instance, their envelopes have " Final Attempt '' in big red lettering, and the front of the mail ( the part that is visible before opening the envelope ) says " pay to the order of '' with my name underneath it. 

These are private entities that I DO NOT owe money to, and to say " Final Attempt '' implies that they have been attempting to contact me for debts that I owe them. 

To write " pay to the order of '' implies that they owe ME money, which they do not. These are just debt consolidation services that are trying to use fear and misdirection to convince me to take out a loan with them. The worst offender by far is Prosper ( https : //www.prosper.com/ ), and I have attached a picture of the most recent letter I received from them below.
Consumer complaint received 2021-03-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

Hello, I am reporting ARS Account Resolution Services. I sent two letter asking for verification of debt and they will not send me the information I asked for. It is a repeated hetter stating : " As you are already aware, ARS represents XXXX who provide services in healthcare facilities throughout the country. In response to your request for verification of debt we have listed the amount below. ARS has verified this information with our client. ARS denies there are any inaccuracies in the account balance reported to the credit bureaus. '' I sent the verification letter XX/XX/21 and they sent a letter XX/XX/21 not giving enough time to properly verify this account nor sending me the contracts and documents of proof that I asked for twice. ARS continously fails in giving me documents pertaining to this account. I have called and apoke tonrude representatives who will not help in verifying this alledged account. Their practices are shady and unethical.
Consumer complaint received 2021-05-05
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (NJ)

Money was removed from my direct express social security card.my XXXX removed XX/XX/XXXX, the deposit arrived XX/XX/XXXX. The total amount removed from my account {$970.00} during the fourth quarter XXXX. I FOUND THE TOTAL STOLEN ONCE INVESTIGATING THE XXXX INCIDENT. For 90 days I requested help. Instead I was stalled, ignored, misdirected, hung up on. No provisional credit was issued. XXXX touted the cards safety. All lies.Certifued letters, faxes, e mails, have all gone unanswered.Direct Express or Comerica claim they can't help.Apparently thousands of others are having the same problem. DIRECT EXPRESS AND COMERICA ARE AGENTS OF THE TREASURY. Ithink they may be directly involved in the fraud.Simply don, t want to refund the losses. I WANT MY {$970.00} RETURNED.They have complete substantiation. PLEASE inform the FBI.and provide visibility.
Consumer complaint received 2019-08-14
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: Experian Information Solutions Inc. (GA)

Hello, I went to my bank to try and get a loan to help my grandmother pay for her XXXX and I was denied. I went home and went on that free credit report site and there e.re some items there are not mine. I would appreciate it if you guys will remove these accounts from my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (ID)

Todays date : XX/XX/19 Equifax- froze credit on XX/XX/19 ... simply trying to go in and do temp lift..however, their systems are not working and can not reach reps on phone ... I have online account set up in XXXX 2019..but unable to access due to their systems issues. Went through automated system entered all personal info and then it said the self service option was down. I went through all the trouble and time to set up account months ago and can not access, can not reach equifax ... 

Equifax is in complete turmoil with their systems and ability to service customers. I am a professional and XXXX  XXXX. The inept systems and ability to let consumers manager their credit is absolutely unacceptable. If I did that in my business, I would be out of business. Maybe Equifax should be if they can not manage and meet their obligations to customers. 

The CFPB should be testing their systems..it is embarrassing and unacceptable. They are making millions off our credit reporting and consumer/taxpayers should be able to manage it. Their systems have to improved. Obviously their systems are not given their data breaches. It is unacceptable behavior. I hope and trust that the agency put some serious pressure on getting things improved at Equifax.
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (TX)

I paid Lexington Law for credit repair services in 2018. Per Federal Law, payment for credit repair isn't due until after the job is done. They were charging me a month to month fee. Which is a violation of federal law, XXXX XXXX  XXXX XXXXXXXX XXXX  XXXX.
Consumer complaint received 2020-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

I applied for SBA  loan in XX/XX/2020 under my name as individual XXXX XXXX ( XXXX  XXXX ) also under my bank account so in XX/XX/2020 i received XXXX in XX/XX/2020 the bank blocked my account which is XXXX $ and oblige me to open a business account to release the fund so i responded now its been 35 days allegedly under reviewing i went branch several time they told my contact management so i contacted management they told me visit the branch!!!!!!!!!!! many times and nothing changed ... so in need to set my business and bank refuse to unblock the account which caused to me business loss and delay i couldn't buy a new XXXX  car to start work or pay insurance i couldn't set up my XXXX XXXX in addition of through the pandemic period i never claim or receive any kind of unemployment or benefit please help me to sue this bank