davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc. (PA)

Dear CFPB, Please help! To put it candidly, I feel like I'm in a real life nightmare. I've been working with Better Mortgage on a mortgage application ; however, they have not been able to get anything right. They are either fraudulent or grossly incompetent/negligent. I will be filing a detailed report in the near future including all communications with the company and the misconduct. In the meantime, I'm wondering if there is any steps the CFPB can take to help get this loan closed. Most recently, Better Mortgage is refusing to provide a closing disclosure that has correct numbers on it. I provided them with the errors that needed to be fixed on the closing disclosure, but rather than just fixing the errors, they are insisting that I sign an erroneous document. The text of my most recent email ( sent on Friday evening XX/XX/21 ) to the company is as follows : I hope you are aware of the implications of trying to force me to sign an erroneous closing disclosure. You are in violation of multiple regulations both at the federal and state ( XXXX XXXX PA XXXX ) levels by even suggesting such. I see no indication that you have any intention of providing a closing disclosure that has correct numbers on it. The fact that these specific errors were brought to your intention but you refuse to provide a corrected document may even be criminal behavior. Based on an initial assessment, it's fraud. 

Throughout this process, Better has fabricated their own " rules '' contrary to what is stated in the federal regulations. When I pointed out that Better is incorrect based on what is stated in the regulations, you simply fabricated another " rule '' to try to cover the lie. For anything I disagreed with, I provided you with regulatory citations indicating the actual requirements. When I asked you to provide regulatory references to your bogus claims, you were unable to do so. I provided you with the EXACT errors on the closing disclosure that needed to be changed. This should have taken all of ~ 20 minutes. A period of days have elapsed since I provided you with these errors. Instead of just making the corrections, you wrote email after email pressuring me to sign a falsified document. 

As XXXX just brought you in on this application, I want to make sure we're both clear on the events taking place. If you have any intention of salvaging this deal, I urge you to make the corrections to the closing disclosure immediately. If you fail to do so, I'll take that as confirmation that it was your intention all along to mislead the consumer and that you never were willing to provide the services quoted at the quoted price. I will be filing reports to all appropriate agencies with jurisdiction for any and all regulations, rules, statutes, or laws that you have violated throughout this process, which are numerous.
Consumer complaint received 2019-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (FL)

I placed an order for XXXX XXXX  cleaners for {$XXXX} XXXX. The order was only partially fulfilled by the vendor. I contacted the vendor by email, telephone message, XXXX, and XXXX without any response. 

After allowing a week for a response from any channel and receiving none from the vendor I initiated a dispute online a the Chase disputes website. The dispute form does not easily allow for partial disputes so I opened the dispute and the followed up with a telephone call. The amount in dispute is XXXX of the order price as only XXXX of the order was shipped. {$XXXX} On XX/XX/XXXX I received a note from Chase that I had validated the charge and that they would be rebelled. 

I had not validated the charge. I followed up by contacting Chase Disputes at the number on the letter and they insisted that I had on XX/XX/XXXX ( which is absolutely impossible as I was in XXXX during that time ). They insisted I had to re-open the dispute by mail. I have copied their letter, replied that I never validated the entire charge, that the dispute for {$XXXX} is still valid. 

Chase is argumentative and unhelpful. They improperly closed a dispute in violation of the Fair Credit Billing Act. I have met all my obligations by timely filing my dispute and timely follow up to their invalid closure of the dispute.
Consumer complaint received 2021-10-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (CA)

I am writing this letter after making several desperate attempts to your Coinbase Support. Last week ( Monday, XX/XX/2021, at XXXX XXXX  ) I received a message from Coinbase indicating my password has been changed. As I did not change the password I suggested that Customer Support block my account as I believe somebody attempted to hack my account. Since then I am not allowed to access the account nor reinstate the account. I was unable to reach any Coinbase Support agent so far in order to get assistance to reinstate my account. First, I called the Customer Support phone number many times, however ; I could not reach any live Customer Service Support team agent to discuss my issues. It says their system can not recognize my account from my phone number nor by the email address which I provided when accessing the Coinbase account previously. This customer support number seems to be useless as it won't offer any live support to the customers. Then I filed few complaints through Coinbase Support however, again I did not receive any response from your customer support so far. I also make several attempts to file an official complaint using the complaints form in your Coinbase Customer Complain Resolution Process as I could not resolve my issues with Coinbase Support. I could not even submit this complaint form successfully as it repeatedly asking an existing case number on the complaints form which I do not have. Their system never generated any existing case number or a ticket number although I filed many written complaints with Coinbase Support as stated. Now my Coinbase account is lost, and my identity has been lost meanwhile my banking institution that has been linked to this Coinbase account is frequently sending alerts to me as they monitor several unauthorized attempts to withdraw funds from my bank account using my Coin base account that has been hacked. Although I was able to block my bank account I can not do much with my Coinbase account because I dont have any access to reach any customer support.
Consumer complaint received 2021-12-27
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (OH)

I have a credit card with Old Navy, where my credit limit was {$800.00}. In 2021, I made a purchase in XXXX and XXXX. I just looked at my credit report and see that they decreased my limit from {$800.00} to {$200.00}. I have always paid my bill on time, and over the minimum amount. It should not matter that my overall score went down, when that has not affected my payments at all. In fact, my score went down because they decreased my limit. I called Synchrony, and they were not helpful and would not reinstate the previous credit limit.
Consumer complaint received 2021-12-27
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: EQUIFAX, INC. (PA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.
Consumer complaint received 2021-12-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc (LA)

I made a Loan with Affirm through XXXX for the purchase of a XXXX XXXX. XXXX did a manufacturer Recall of the item & gave us the option for a 100 % refund upon returning the XXXX. The XXXX was returned XX/XX/2021. XXXX gave Affirm the approval to release/refund our loan as they have credited Affirm for our return. I have since been told by Affirm since XX/XX/XXXX that our refund check in the amount of XXXX was mailed to us. We have confirmed the correct address. I have made numerous attempts to find out where the refund check is since we have still not received. My attorney has sent them a demand letter, we have received no response. We are owed XXXX for two months now. At first, we got several responses telling us to wait 16 days. 16 days has come & gone several times. Now they do not respond to our inquiries at all. It is impossible to reach a representative that can tell me anything about my loan/refund check. All calls have to be escalated through an email, there is no phone communication with the resolutions dept. It is very frustrating as I was depending on this refund & it is my rightfully owed money as the product is no longer in my possession.
Consumer complaint received 2018-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

upon looking at my Equifax credit file, I learned that an account which was deleted off has reappeared. When equifax update my report, by correcting my name, they added the collection account from XXXX back on. This account was deleted by the company. Secondly I never received any notification that this account was being put back on. I quite sure this is just an error on their behalf but I would like this to be rectified immediately. Also I have proof of the deletion that I will attach.
Consumer complaint received 2021-12-27
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: EQUIFAX, INC. (IL)

The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account is reporting inaccurately. I have NOT been provided with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX : This account has been paid. 

XXXX XXXX ( XXXX XXXX XXXX ) : I have never had cell service through XXXX XXXX XXXX.
Consumer complaint received 2021-12-27
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)

My XXXX  who lived with me before be passed away used my phone to open up XXXX XXXX  credit card accounts. They were both paid off and closed and I called XXXX  to explain the situation and ge them removed off my credit report. However, they have sent nothing to the credit reporting agencies to remove them and refuse to flag them as identity theft.
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-10-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc (OH)

chime is refusing to return my money after i reported that i wanted to cancel payment on a cell phone place that sold me malfunctioning phone and this place charged my other cards to and hacked my account
Consumer complaint received 2019-06-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNTRUST BANKS, INC. (VA)

My car was wrecked while parked outside of my home. A police report was filed and a part of the other car containing the vin # was found. The vin # reported back to a rental car from XXXX. I contacted XXXX who stated the person who rented the car claimed the car was stolen and they would not be accepting responsibility. My insurance ended up taking responsibility. I had full coverage through my insurance with XXXX as well as GAP insurance through XXXX. Both companies made payments, but Suntrust states there is still a balance on the account. 
There should be no balance on this account as I made my monthly payments on time throughout the entire duration of the car loan, and had both full coverage and GAP insurance.
Consumer complaint received 2021-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

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. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX
Consumer complaint received 2021-10-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC (CA)

To whom it XXXX concern, My finance company Flagship Credit Acceptance is using an illegal forwarding company that is based out of XXXX and has no business license in the state of california to operate. XXXX XXXX is the company and XXXX is the owner. 

My car was repossessed in XX/XX/XXXX by XXXX XXXX and XXXX XXXX, they both came into my underground parking illegally and lied about where they picked my vehicle up from. To this day XXXX is still operating out of California illegally. I received a settlement from XXXX XXXX and XXXX XXXX, I wanted to make the CFPB aware of this and the practices of Flagship Credit Acceptance and XXXX XXXX along with their partnership. 

XXXX from XXXX XXXX showed up XXXX on XX/XX/XXXX just before covid. He took pictures and i asked " am I going to get visit from Flagship concerning my vehicle, XXXX assured me I would not. This was the 2nd time XXXX XXXX has come to my place and made contact before or after the CFPB time frame. 

I received a phone call on XX/XX/XXXX at XXXX From Flagship and I am in the state of California and this is the 2nd time this has happened with Flagship. The last time Flagship blocked me from making any contact with them please insure they do not do this again when they are investigating.
Consumer complaint received 2022-11-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Galaxy Capital Acquisitions, LLC (TX)

On XX/XX/XXXX, I began receiving letters for lawyer advertisements telling me that a lawsuit has been filed against me by Galaxy International Purchasing LLC. Galaxy International Purchasing LLC has not contacted me once about this matter nor sent me any mail communication. They have not served me nor properly notified me about this lawsuit by any means. I have not received any mail concerning the debt. I can attest to this as USPS scans each of my letters and notifies me everyday of my mail via email. I have records of my mail for every day, dating back to 2019. I never gave anyone any handwritten permission that they could sell my personal information to any third party. I did not give anyone permission to sell my information to Galaxy International Purchasing LLC. I have not received any calls from them whatsoever, nor have they left any voicemails. How is it possible that a company from XXXX XXXX has my personal information when I have never given any written consent? I only found out about this through advertisements from lawyers who want to defend me in this matter. I have not been served in person about this lawsuit nor have they reported this to a credit bureau. They have made no efforts to contact me to resolve this by other means either. I have no information on this debt as none has been given to me.
Consumer complaint received 2019-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ERC (TX)

On XX/XX/XXXX my account was cancelled at XXXX XXXX XXXX XXXX/XXXX. So say this is around the time that it should be 7 years from not ... XXXX XXXX as it says on my XXXX  report . I called ERC whom is a third party collection agency and spoke with 3 people and left a voice mail for the so called President and was told that's just the way it is. Because of this I was denied a house I desperately needed next week. Thanks to ERC it's not going to happen now.
Consumer complaint received 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

My address and name are incorrect. 

I have no knowledge of the inquiries below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MI)

My mother in law passed away in 2014 before her passing she filed XXXX  XXXX bankruptcy which was discharged and included her home. My husband did not want to lose his childhood home so he was advised by the mortgage company at that time he could assume the debt of the home and be able live in the home. His name and my name were added to the deed and we obtained an attorney to do this. At the time of assumption we were advised the loan would not be in our names and not be on credit reports however they lied. We fought about that with the previous mortgage owner but they said there is nothing they can do. The home was and still under water when we assumed the loan. The home is in forebearance due to covid and decrease in my husbands income. I truly believe the bankruptcy amount that was discharged should have never and still should not be our debt. The debt we should be paying is the forebears ces debt only.
Consumer complaint received 2022-08-24
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. (VA)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a natural person, I am a living human being, I have right under 15 USC 1681. 

XXXX XXXX Transunion is governed by 15 USC 1681. And they have violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give XXXX XXXX Transunion written permission to furnish these accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (AR)

I received a letter from XXXX XXXX about a debt in the amount of {$4700.00} for PayPal.I received the letter XXXX XXXX of 2021. I have never had a account with XXXX and will never. I am reporting Identify Theft in my name.
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions