davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I was laid off due to COVID-19 hardship in XXXX, 2020. In XXXX I put my loan with XXXX XXXX XXXX XXXX in forbearance. In XX/XX/2020, I noticed that my credit score had dropped from XXXX to XXXX because my mortgage payment was showing as 'delinquent ' instead of 'in forbearance. ' In XXXX my score dropped to XXXX as another payment showed as delinquent. 

From XXXX to XXXX I have contacted the company 6 times via email and seven -- 7 -- times by phone, usually waiting on hold for over an hour each time, to get the error fixed. They admitted it was a mistake and that 'they were working on it. ' The dates of my contact are listed below. 

It is late XXXX and it hasn't been fixed. 

Meanwhile I got another job, took the loan out of forbearance, and resumed payments. I wanted to buy a house that would improve our family situation. But my credit score is XXXX, not XXXX now. And I couldn't get qualified. 

XXXX XXXX has harmed me by their inaction in solving this problem. 

Now I'm being transferred to another state and want to buy a house. Again, I can't because my credit score is XXXX. I asked XXXX XXXX if they'd please provide a letter stating the mistake. This could work for an underwriter and perhaps I could get approved. 

They said no. They're 'working on it. ' Which they say they've been doing for 6 months. 

XXXX XXXX 's mistake has harmed me two times and materially hurt my family 's financial situation and well-being.
Consumer complaint received 2020-06-29
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. (MS)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.
Consumer complaint received 2020-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (NY)

I have been a Discover Cardmember since XXXX. I used a convenience check in XX/XX/XXXX in the amount of {$20000.00} at 4.99 % APR for 18 months. 

I had a prior balance transfer from XXXX that was expiring in XX/XX/XXXX in the amount of {$4500.00}. 

I made an additional payment ( above the minimum payment ) in XX/XX/XXXX of {$4500.00} to bring that balance current and instead of closing out that balance, they applied it toward my recently transferred balance, thus placing my expiring balance transfer at an interest rate of 21.99 %. 

In normal circumstance, the practice of applying payments to the lowest APR balance first seems usurious. In this time of COVID, it is downright criminal.
Consumer complaint received 2020-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CO)

I called XX/XX/XXXX to dispute a XXXX charge and request replacement cards for myself and my authorized users. I argued with a XXXX XXXX that I was NOT cancelling my account she stated we have to cancel the card to get new card number with new acct number. SHE STATED SHE WAS NOT CANCELLING MY ACCT AND SENDING NEW CARDS. I called XXXX to ask where my cards are a XXXX XXXX said they were never sent. I then requested to file a complaint against the rep on XX/XX/XXXX since she never sent out my cards he stated he would resend the cards and filed the complaint. When i asked who did you file the complaint against he stated I don't have access. So you lied you cant file complaint if you do not have access to notes so I disconnected call after he stated he was sending cards. I call XX/XX/XXXX spoke to a XXXX  XXXX and asked where my cards are AGAIN i finally get told the acct is cancelled. I SAID I NEVER REQUESTED TO CANCEL MY ACCT. she then attempts to run my credit. I said NO you're NOT running my credit knocking my credit score down when YA 'LL SHOULD HAVE NEVER CANCELED MY ACCT! YOU CANCELLED MY ACCT WITHOUT MY PERMISSION OR AUTHORIZATION so reopen my acct with the original open date and send me my new cards. after 30 minutes on hold she comes back on the line stated they are reopening my acct. She verified my name, SSN, address and DOB then hangs up the call. I call back an XXXX XXXX who after getting my name and password after I tll him the illegally cancelled my acct he WITHOUT LOOKING AT THE NOTES tells me I canceled the accct not them. I BECAME LOUD AND SAID NO YOU!! WHY WOULD CANCL AN ACCT I HAD TO GIVE YOU A DEPOSIT ON TO BUILD MY CREDIT A YR AGO!? AND CITIBANK STILL WONT GIVE ME A CREDIT LINE INCREASE AFTER CITIBANK RETURNED MY XXXX DEPOSIT!!!!! YOU!! CITIBANK CANCELLED THE ACCT WITHOUT MY AUTHORIZATION, I CALLED TO DISPUTE A CHARGE AND REQUEST REPLACEMENT CARDS, he hangs up on me AGAIN. I CALL BACK AGAIN spoke to XXXX XXXX who then informs me the request to reopen my acct FOR BANK ERROR will take 7-10 days I escalate to a XXXX  XXXX the supervisor tells me the request will take 5-7 days and only information she can give me is all the reps I have spoken to are OFFSHORE so she can give me their names and cant do anything.
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (LA)

Under the new law effective   XXXX   XXXX  , 2017 any public record data must include name and address as well as SSN and DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Consumer complaint received 2020-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-09-17
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. (GA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2020-09-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

In mid-XXXX I filed three disputes with Citibank regarding three transactions totaling approximately XXXX XXXX The day before I was supposed to get a provisional credit attached to my account I was notified that the bank had decided to close my accounts. Since then they have told me next to nothing about what is going on, except to say that my accounts are blocked pending review and telling me that I would be unable to retrieve the funds from my account - that rightfully belong to me - until the dispute process was complete, some 30 to 60 days from then. It has since been well over 45 days and I am still getting stonewalled by Citibank. All I want to be able to do is to go into a branch and pick up my money. One of the disputes I have already been informed has been resolved in my favor while the other two are, I suppose, still pending. I wouldn't know because they refuse to tell me anything about them. I tried going into a branch and the banker there told me he couldnt help me because the accounts are blocked. I keep getting the run around from Citibank and all I want is the money that is rightfully mine.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have contacted XXXX, XXXX, TransUnion and XXXX XXXX about inaccurate information on my report. The agencies have stated that the results from the investigation are verified as accurate. Which is not correct. I have sent an opt notice to XXXX XXXX and they continued to report information and inaccurate information to the credit agency which violates 15 usc 6802 and 15 usc 6805 Enforcement. 16 cfr 313.7 has been violated as well. I have been disputing this with XXXX since XXXX and since XXXXwith XXXX. The most recent dispute with Transunion was XX/XX/XXXX. The Privacy act of XXXX has been violated. I reached out several times to these agencies and business and they continue to violate me. The law also states its illegal to report transaction history.
Consumer complaint received 2017-09-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (AP)

I have been a customer of the company for about one year. During that time, I have made several purchases and sales of Bitcoin and other web-based currencies. I have provided the company a copy of my photo ID ( drivers license ) and have been " verified '' by them since my account was originally established. 

About two weeks ago, I received a message that my ID had to be re-verified. I once again provided my drivers license and completed an online questionnaire, similar to those used for a new credit account or credit report, for validation. I answered all the questions perfectly ; and provided my address, which I have lived at for almost six years, and which is listed on my drivers license.
The questionnaire came back as " unable to verify '' and directed me to try again in 24 hours. I have done so, every 24 hours, for the past two weeks, always getting the same " unable to verify. '' While unable to verify, I am unable to move money into or out of my account. I contacted the company on the third day and was given a canned response recommending that I adjust or change elements of my address for the verification. I have been trying that with minor variations, including use of ZIP+4, etc., every 24 hours for the past two weeks, in an attempt to re-gain access to my account, which holds nearly {$6000.00}. This has all been to no avail. No matter how I adjust my address, the " unable to verify -- try again in 24 hours '' message appears. 

I have continued contact with Coinbase tech support, who insists that they can only perform ID validation through the third-party company which they use. I have repeatedly asked for who that third party is so that I can try to resolve the issue through them ( the third party ), but have been summarily ignored at least two times about that. 

I am not the only customer going through this issue. A XXXX search of " Coinbase Identity Verification not working '' comes up with dozens of posts on a number of forums with many other customers having this same issue, and also presumably having their own money held hostage by Coinbase.
Consumer complaint received 2020-08-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Radius Global Solutions LLC (GA)

Effective XX/XX/XXXX, all medical collection debt that has been paid by the consumer in full will no longer be included on XXXX consumer credit reports. These changes precede an additional measure set to occur in the first half of XXXX, namely the removal of medical collection debt with an initial reported balance of less than {$500.00} from credit reports. 

I have a medical collection debt with an initial reported balance of less than {$500.00} being reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and RADIUS GLOBAL SOLUTIONS account number XXXX. I need to have this debt deleted from my credit reports.
Consumer complaint received 2022-01-07
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Chapter XXXX Bankruptcy XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I took out a cash advance in the amount of {$1500.00} with Capital One on XX/XX/XXXX. I was told at that time i will be charge an Cash Advance interest Fee until the {$1500.00} is paid back. I have paid the amount back in XX/XX/XXXX but, Capital One is still charging me The Cash Advance interest fee. When i contacted them i was told they will continue to charge me the Cash Advance interest charge until the full balance on the card is paid off. Which was not the agreement initially. Now Im being charged interest twice on the card because there is a balance & in addition to a Cash Advance Interest which i should not be charged for because i paid back the {$1500.00}.
Consumer complaint received 2023-01-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC (CA)

I am a victim of identity theft, and did not make the account responsible for CONTRACT CALLERS INC. It was originally reported to my credit report back in XX/XX/XXXX on all three credit reports. Once it appeared, I reached out to the company and they informed me that the debt was from an electrical company in Virginia during a time that I was living in XXXX  ( I still reside in XXXX. ) I have never opened in an account with the company and have resided in XXXX  since XXXX. I informed them that the account and debt was a result of identity theft. I have previously reported this as identity theft and it was removed however it is now reappearing and the business refuses to remove it from my name/social. I am requesting that the item be removed from my responsibility and blocked to correct my debt and credit report due to the account or debt not being opened or used by myself.
Consumer complaint received 2022-04-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-05
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: EQUIFAX, INC. (TX)

Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2018-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NJ)

on XX/XX/XXXX I try to use my rewards point, american express refuse to let me use the rewards i earned on each credit card because the account was suspended. They took all rewards and instead of being separate by card all cards show only one credit card rewards. I demand full cash refund if the are not allowing me to make reservations online.
Consumer complaint received 2017-04-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (NH)

We obtained a 30 year fixed mortgage from Dovenmuehle Mortgage Inc. on XX/XX/2017. We bought the property for {$150000.00}. The appraisal came in at {$240000.00}, and our loan was only for {$150000.00}, which gives us approximately 40 % equity in the property. Even though our equity on the property is significantly over the 20 % equity required to waive PMI, XXXX refuses to waive it claiming that they honor the appraisal or purchase price whatever is lower. This seems completely unfair and is just a way for Dovenmuehle Mortgage Inc. to make additional money for something that is not necessary. We have an excellent credit score and we have significant assets to cover this loan which was shared with the bank at the time of the application. We are not a high risk customer, and with over 20 % equity owned in the property, Dovenmuehle Mortgage Inc. should be fair and waive this PMI requirement immediately.
Consumer complaint received 2018-07-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (GA)

Paypal is trying to hold my money {$430.00} for 180 days after all the items I have sold have been confirmed delivered. Paypal wants to hold my money to XX/XX/2018, which is ridiculous. Paypal is not paying me any interest for the amount of time they are holding my money. I would like my money released today. I have called and tried to reason with Paypal on 2 occasions, but they are uncooperative. My paypal account email is XXXX XXXX
Consumer complaint received 2019-02-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

My wife and I are behind on our home mortgage payments and we had a foreclosure sale date scheduled for XX/XX/2019, which forced us to file bankruptcy to stop. We are not really sure what it will take to keep us from losing our home, but Carrington Mortgage have never provide us any options to get back on track with our mortgage. We think that they are obligated to offer some help to struggling homeowners, but they have never sent us a letter or made a phone call to see how we can work things out. We purchased our home about 15 years ago and when we were in trouble ten years ago we had a modification that helped out tremendously. However, I had a very serious health issue and my wife and I separated for a period of time. This caused us to fall behind on the mortgage, but we are now in a better financial situation and want to get caught back up. We are hopeful that Carrington Mortgage will perform a new review based on our current financial circumstances that will lead to mortgage assistance. There must be a solution that will help get our mortgage back in line, but they have failed to reach out to us to initiate some sort of help. Our current income is sufficient enough to make a reasonable mortgage payment and we would be very appreciative if you could get them to stop the foreclosure proceedings on our home and initiate a proper review to resolve our mortgage issues.