davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-08
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Lendmark Financial Services (SC)

A 2nd mortgage was taken out in XXXX at lendmark financial. Sold to XXXX XXXX XXXX which paid off lendmark. They never released the lien from my title & now I'm refinancing & they won't get me the release paperwork to clear the title so I can close on refinance. I called XX/XX/XXXX ... said they would check on it. Today XX/XX/XXXX I called back they just put in work order when I called today. Simply not doing their job for years.. now i can't close on new loan due to them ( lendmark financial ) not doing their job in the first place. Ridiculous business practices & no one knows anything ... please help
Consumer complaint received 2020-12-09
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NPAS, Inc. (NV)

I received a statement from the hospital on XX/XX/2020 showing a balance due of {$480.00} and sent them a letter on XX/XX/2020 asking them to validate the debt and requesting an understandable itemized list of charges and documentation that I agreed to these charges. I continued to receive multiple requests for payments and responded to each request in a timely way but they continue to ask for payment including phone calls that I have asked them to stop. The most recent communications seems to come from a debt collector firm called NPAS instead of the hospital.
Consumer complaint received 2021-04-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (MO)

On XX/XX/2021, I opened an account with Binance US, an app based crypto exchange. I began funding the account with a combination of debit card purchases and an ACH transfer. Unfortunately, one of the ACH transfers was returned on XX/XX/2021. Binance then blocked my ability to process all transactions, including access to my fully processed and funded balance apx {$8000.00}. On XX/XX/2021, I deposited enough to cover my chargeback and Binance immediately withdrew this money ( no email, no notice and no record on transaction history of the withdrawal. As of XX/XX/2021, my account is still fully blocked and after submitting multiple tickets through their ONLY service option, I have received no response of any kind. As of today, they have held collected funds well beyond their standard hold periods of 5 days for debit cards and 10 days for ACH deposits. I am also unable to make trades within my account. This has caused a great deal of financial loss, as the crypto market fluctuates greatly each day and I am unable to adjust my portfolio. I estimate thousands of dollars have been lost and now my {$8000.00} is stolen/held outside of any reg CC, company disclosure or other legal guidelines for funds availability in the US. Turning to social media, there are hundreds of complaints that are identical and even worse than my scenario, including many claiming Binance has liquidity issues and is intentionally freezing peoples available funds for their own gain. Resolution would be to release my funds immediately.
Consumer complaint received 2023-03-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (RI)

Was doing a loan modification with asc /Wells Fargo and after months of negotiations they said I didnt qualify and have to repay the x amount of dollars which I could not come up with and I understand the have a lawsuit against them for doing this to numerous customers! Then ended up forclosing on our house which we had for 20 years! went to several lawyers but none could help me!
Consumer complaint received 2021-04-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FinCo Services Inc DBA Current (GA)

I received my stimulus check to my Current account and I tried to transfer XXXX dollars to my XXXX account because of having issues with being able to connect to my current account. They took the money off my account but never sent it to my XXXX account. I contacted customer service numerous times and then finally was told that my funds had been reversed and the very same day my money was sent person to person to XXXX only knows who and they won't tell me who instead they told me that I can't ever get my money back and closed my account. I need my money. I don't have any other money and someone in their customer support department stole mine. Please help me
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (WV)

I am not liable for this debt of {$1500.00} with LVNV FUNDING LLC Account number : XXXX I do not have a contract with LVNV FUNDING, the did not provide me with the original contract as I requested with my wet signature and ID verification.
Consumer complaint received 2021-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BBVA FINANCIAL CORPORATION (CA)

My mortgage payments are set on automatic and have been since the day i got the mortgage. 
The bank is bbva/compass, the money normally comes out of my XXXX checkings account and gets paid to my bbva mortgage on the first of the month. 

All of this happened in XX/XX/2021. 
On the XXXX I noticed the money had not been with drawn, so I called. They stated everything was ok. 

On the XXXX I looked, the money still had not been with drawn. So they had me make a payment and said that they will reset up automatic payments. 

On the XXXX my checkings account shows that they with XXXX the normal monthly payment {$2600.00} On XX/XX/XXXX I received an e mail stating that I am over due for my mortgage. Additionally I was locked out of my account ( apparently for being over due, I am not sure ). 

I spoke to many people on the phone at bbva, they could not locate where my money was for the XX/XX/XXXX payment, and for whatever reason it felt like they couldnt see my checkings account if they are in the mortgage department despite it all being the same bank. Also they couldnt unlock my account. 

They asked that I make another payment, just so I dont get any over due or missed payments. So i did, on XX/XX/XXXX I made another payment of of {$2600.00}. 

They didnt know where my first payment went, DESPITE it coming out of their own checkings account. I spent about 9 hours on the phone with the bank, i was disconnected and not called back 3 times. This bank is terrible. 

After I got my account unlocked and i showed them - look i made a payment XX/XX/XXXX. They still didnt refund my money, they are making me wait while they do an investigation. What kind of bank does this? They should have fixed it first, it is their mistake. 

I have pictures of everything, including my payments and my over due e mail. Also the late fees i incurred.
Consumer complaint received 2021-04-08
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: Service Finance Holdings, LLC (UT)

I have been disputing a very serious error on my credit file and the company - Service Finance and XXXX has not fixed the error. Under the FCRA they are to report accurate information and they are NOT. ( I have attached proof of this from the lender who denied my loan ) I opened a Home improvement loan from Service Finance.. It is Paid off and taken care of last year sometime.. HOWEVER, they are reporting to credit as a MORTGAGE which they have advised me that they in fact are NOT a mortgage company.

Because they are reporting to the credit bureau somehow as a Mortgage, I have just been denied by my mortgage company to buy the house I am under contract to purchase.

My lender said the reason for the denial is because there are 60+ Day late payments on this Mortgage with Service Financial which I DO NOT HAVE A MORTGAGE with them nor are they a mortgage company.

When we dispute with Service Finance they say that they are not reporting as a mortgage to XXXX XXXX says they are reporting that way. So they blame each other and nobody is fixing this issue! 
This has already cost me money and if I lose this house I will be losing my earnest deposit and I will SUE you guys as I have already spoken to my attorney. You have caused me to be denied and it is an error and Their fault. I need this fixed like last week.
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

During the COVID crises I put several deferments on obligations such as student loans, car loans and credit card debt that subsequently showed up as delinquent on my credit report, thus exacerbating my ability to seek and secure employment. I would like to use get help from the CFPB to assist me with getting the most accurate and updated reflection of my financial history presented. Like many of us, I've faced some challenges due to COVID and would like to have a fair shot with presenting my employment profile.
Consumer complaint received 2021-04-08
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)

The company called XXXX XXXX XXXX is reporting to the TransUnion Credit Reporting Agency an account that they had purchased while there was an open dispute with the original creditor. This same account was removed from my XXXX credit report after I filed a complaint with the Consume Financial Protection Bureau.

The Original Creditor was reporting Incorrect Historical payment & info. The account does not show payment I have made on XX/XX/XXXX for {$140.00} The dates that the account 1st became late is wrong. The account was charged off on XX/XX/XXXX for {$220.00} The account would have been late before XX/XX/XXXX when it was charged off. 
Attached are supporting documents including the previous CFPB complaint
Consumer complaint received 2021-04-08
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. (NJ)

Hello, Yesterday I summited a complaint, complaint number XXXX. Today I received a notification that the account was updated again, solely with the information I provided yesterday from information on my XXXX report. Experian has failed again to adequately assure that the information being reported is 100 % accurate. They solely took the information that was showing on the XXXX document that I submitted in the complaint number above and utilized that information to update this inaccurate account on my report. When spoken to a prior representative I was told if XXXX XXXX is reporting this to us we must put it on your file. I have to contact XXXX and tell them to stop reporting it. According to FCRA is does not matter what is being reported. The information has to be verified as accurate. Experian is not doing so. They are not doing their due diligent of protecting the consumer. I stated does this information have to be verified, he stated it was, but yesterdays complaint shows that Experian did not do their due diligent in assuring that information was correct. 

They just did it again today on the attached documents. They updated my file with information that was provided from my XXXX report without verifying if that information is correct. Their was no verification process done. They are purposely reporting inaccurate account on my credit report damaging my credit history because they are refusing to do the job at hand. The update they made in just one day was not verified to be 100 % accurate. They are simply updating information on my report solely based on the information from another credit bureau, that has removed this account today as well due to inaccurate reporting. 

Experian was reporting payments as shown on attachment and was updated today without verification of accuracy solely based on what was reported by XXXX on the attachment I submitted yesterday on the above complaint, but no payment history was every reported to XXXX for this account. How was this information verified by experian? causing my score to drop. They performed no verification process assuring accuracy. The information was not verified that XXXX was providing the correct information. 

The refusal of this credit bureau to remove this inaccurate account is against the FCRA, if any information on a consumers report is deemed inaccurate after the bureaus has deemed it accurate is a breach of those regulations and must be removed. Experian is refusing to do so after they have reported inaccurate information twice.
Consumer complaint received 2023-03-27
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: BARCLAYS BANK DELAWARE (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated, my rights. 

15 USC 1681 Section 602 Sates 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 on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-02-13
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-25
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. (CA)

In accordance with the Fair Credit Reporting Act, XXXX, Transunion, XXXX has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States have the right to privacy These addresses do not belong on my credit report. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Single family XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Apartment complex XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Apartment complex
Consumer complaint received 2021-04-08
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. (TN)

I mailed a letter requesting an investigation about questionable accounts on my credit report. I received investigation results saying that the account was accurate so I decided to follow up with the creditor. The creditor sent me a letter saying that they could not locate the account. I then mailed your company back and forwarded this information to you asking for a deletion because they couldn't have verified it if the creditor can't locate the account. However, it has been almost 4 months and this account still remains on my credit report.
Consumer complaint received 2021-08-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (FL)

I am not liable for this debt with XXXX and I do not have a contract with CREDIT COLL plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$210.00}
Consumer complaint received 2020-08-31
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. (TX)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.XXXX   XXXX {$620.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$14000.00} XXXX  XXXX XXXX {$950.00} XXXX XXXX XXXX {$2500.00} XXXX CARD XXXX {$2500.00} XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX {$420.00}
Consumer complaint received 2021-04-08
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. (CA)

There are 15 Accounts on my credit report that do not belong to me I have been trying to understand why these are even on my credit report I have sent out disputes to the bureaus regarding this I need this taken care of right away since I am getting frustrated by dealing with other peoples mistakes and how people are getting my information baffles me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-04-08
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)

There are 15 Accounts on my credit report that do not belong to me I have been trying to understand why these are even on my credit report I have sent out disputes to the bureaus regarding this I need this taken care of right away since I am getting frustrated by dealing with other peoples mistakes and how people are getting my information baffles me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2017-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (CA)

Hello, I seem to have XXXX hard inquiries on my credit report that I do not recall ... 
XXXX is from American Express on XX/XX/XXXX and the other from XXXX XXXX on XX/XX/XXXX. 

Please let me know how I can go about it. 

Thank you!
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc. (FL)

I was tricked into freezing my credit beause thats what experrian advertised as to help me and it has made things worse for my credit!! I have not been able to release the credit freeze on my credit and its messing up all my credit I cant do anything I have no money Im a single mother and I need help pleases.
Consumer complaint received 2022-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DISCOVER BANK (TX)

XX/XX/XXXX There was a fraud charge on my discover credit card which was disputed, but never reversed. 
In XXXX I was effected by the pandemic where I lost work and could not afford to pay my bills. Therefore my credit card defaulted. I disputed but derogatory remarks never was removed
Consumer complaint received 2021-04-08
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. (NC)

I reached out to Equifax, XXXX, and XXXX to dispute inaccurate items from my report. I also submitted a FTC report because on both accounts that are reporting there is fraud due to the Equifax Breach.