davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (MI)

LOANCARE LLC TELEPHONE NUMBERS DO NOT WORK, I have tried to contact them via XXXX for ( 3 ) days after receiving Priority Mail 2-Day USPS!! 
I have also sent in other complaints for them XXXX contact me over the last 15 months over my concerns about Forbearance during the XXXX Virus Scam on the World. I will also be contacting the State Attorneys office over no communication from loancare via phone conversation vs email & USPS snail mail. 
The biggest scam since the Great Recession of XXXX! 
Any Corporate Institution affecting consumer credit, and reporting this disaster is going to ensure a rise up from consumers lead by me.
Consumer complaint received 2021-07-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (FL)

Account Name : XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report. 


Account Name : TD BANK N.A. 
Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I applied for a rental property and the score showed as XXXX but the credit report that I have from XXXX is XXXX and XXXX  is XXXX therefore I was declined for this property.,
Consumer complaint received 2021-07-12
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: AMERICAN HONDA FINANCE CORP (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2022-08-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Celsius US Holding LLC (FL)

I took out 4 collateralized loans with Celsius and now that they are going through the XXXX XXXXXXXX process, I don't have access to funds in my account to pay for said loans to release my collateral, because they have frozen all assets. 

While I understand that at sometime businesses may have to go through a restructuring, I find it disturbing that a company locking up users assets are now asking that customers with loans coming to maturity should pay them by wiring money directly to them and customers are not allowed to pay these loans with assets in those same accounts. 

I have also asked with no response on the status of the collateral if I were to payoff said loan. 

This company has been mismanaged and now with the filing of XXXX  XXXX, it is coming to light that they had potentially fraudulently misled many customers into losing their lives savings to the point of billions.
Consumer complaint received 2022-06-21
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. (FL)

On XX/XX/2022, I contacted the Credit Reporting Agency to dispute inquiries that appear on my credit report, which are false and inaccurate, as I did not authorize the inquiry on my report. I demanded in my letter to the agency to furnish proof in writing on the method used to verify AND validate the information, who they contacted and the contact information. The agency did not respond within the 30 days allotted by the Fair Credit Reporting Act, Section 609, in which the investigation must be resolved and the response provided.
Consumer complaint received 2022-03-28
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: Experian Information Solutions Inc. (TX)

XX/XX/XXXX {$10000.00} XXXX XXXX Bank XX/XX/XXXX {$500.00} XXXX XXXX Bank XXXX XX/XX/XXXX {$3000.00} XXXX XXXX / XXXX  XX/XX/XXXX {$17000.00} XXXX XXXX XXXX In accordance with FaIr Credit Reporting act these accounts has violated my rights. 
15 U.S. Code 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2021-07-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (TX)

On XXXX, I used XXXX XXXX to send my son ( XXXX XXXX XXXX ) money ( {$1000.00} ) to bail his son out, I've used this company in the pass, ( NO PROBLEM ). When I asked him is he received the funds, the reply back from him was NO. So, I tried to backtrack and cancel the request, no trace of the money on my end or my son. We could not locate or find the money. XXXX XXXX about 2 days later, text us and ask what could they do to help. The communication was horrible, they would sent text messages, and REPLY back repeat-unable to contact you? It all sounded FISHY to me, so I filed a Fraud Complaint with the bank regarding my money. The teller informed me that it would take 30 days, i had copies the teller refuse to take, So, I FAX the copies to the Fraud Claims Dept. It's like they never took a look at the documents or question anyone At XXXX XXXX. Then before the 30 days was up they CANCEL the or CLOSED the CLAIM out. So, now I am without my {$1000.00}. It was like I never existed or came into the bank to file the complaint about this issue. I want my money back, they are federally insured, I am due that money it benefits I received from my late husband who served in the XXXX and was a XXXX.
Consumer complaint received 2021-10-21
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: CLGF Holdco 1, LLC (PA)

On XX/XX/ Ive noticed this card from milestone on my credit report never seen a card from them a day in life my identity has been stolen for almost 16 years now I have freezes on all my credit reports .their reporting an XXXX usage of a card never seen the card never got the card its soo bad that Ive never heard of the card or the stores the cards was used at but I digress. I just want this off my credit report
Consumer complaint received 2021-07-12
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: EQUIFAX, INC. (GA)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681, The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. I am in distress and this matter has affected me from getting access to different forms of credit needed during a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2021-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

This is a continuation of original complaint..COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX. 

On XX/XX/XXXX I wrote a check for my balance and got it to the post office. As of today I have not seen the check post, I have reached out to Comenity several times, I called them and got a representative who said he would put a " ticket '' in for it. I have followed up ... nothing. They are not responding. So as of XX/XX/XXXX, this will be a late charge which is what I am trying to avoid. If they have the check I need to know NOW. If they don't, I need to know NOW. 

" On XX/XX/XXXX after receiving my XXXX statement on-line, I copied it and sent it along with my check for {$2700.00} to the payment center ( XXXX. XXXX XXXX, XXXX, TX XXXX ), The envelope was addressed by hand as I did not have your payment coupon which did not come in for several days later. I wanted to get this paid in full immediately. To date, I have not seen that check post. I called a day or two ago and there should be a " ticket '' submitted by your account representative inquiring as to where the check is ... do you have it ... if not, I have to cancel the check and make other arrangements. I need an answer to this as soon as possible ... not going to be dinged for a late fee, etc. Thank you. I can be reached at XXXX or by phone at XXXX. You have not responded to this question. I need an answer, please! '' This is the third time I have reached out to them ... NOTHING back from them. This is totally inexcusable!
Consumer complaint received 2021-07-12
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. (IA)

I sent a dispute letter to TransUnion pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless.
Consumer complaint received 2021-07-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NV)

LVN Funding at XXXX XXXX XXXXXXXX XXXX, SCXXXX  has been sending me collection notices in the amount of {$2300.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2022-06-21
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. (FL)

XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2021-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (LA)

I applied for an American Express Hilton Honors credit card. The application stated the apr can range from 15.74 to 25.74 based on your credit report and credit worthiness. I got approved with an apt of 22.74 which is outrageous, I was sent a letter stating they used my XXXX  credit report. I pulled my XXXX  report there were no inquiries from American Express. My credit score is XXXX which ranks as excellent, I only have 3 open lines of credit which have excellent payment histories no collections in fact I pay extra on each card each day so Im considered credit worthy. I tried to talk with several people at American Express I was not given a explanation for the high apr rate I need to know exactly how apr was determined since my credit report was not used I feel like I was unfairly treated when applying for this card. I declined the card and had them cancel the card.
Consumer complaint received 2021-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Account got hacked by XXXX XXXX  everytime they sent me a new capital one card XXXX XXXX  was able to update the card information and still able to charge my card everytime they tried to block XXXX XXXX  but failed had no other option but to close my account even though i didnt want too. Capital one wouldnt allow me to reopen the account or take it off my credit report
Consumer complaint received 2022-01-18
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. (VA)

On XX/XX/2021 I 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. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those 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 de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Yes I called capital one bank on my 3 credit cards. They accepted a hardship program with all 3cards. Going thru hardship. They told me too send in each month what I can afford. So sending in XXXX each month on all cards. But they won't wsivr any interest. But said no late fees. I keep getting monthly payments with minimum going up. Not right. Need too talk with someone get a solution. Also on one of my cards they got me a 30 day late fees from back in 2018. Hoping too get that late payment waived. Hurting my credit report
Consumer complaint received 2021-07-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (TX)

In XXXX of XXXX, after coming back from a XXXX, I realized I was missing some of my XX/XX/XXXX travel pay. When I discovered my XX/XX/XXXX travel pay was placed in a wrong NFCU account, due to a mistake in account numbers, that led me to discover my XXXX travel pay ( from a move from XXXX  to XXXX  XXXX was placed in the wrong account as well. I contacted XXXX XXXX XXXX XXXX XXXX ( XXXX ) and they sent a letter of indemnity on XXXX XX/XX/XXXX, regarding my XXXX XX/XX/XXXX payment and my XXXX XX/XX/XXXX payment. NFCU returned my XXXX XX/XX/XXXX payment. However, they did not return my XXXX XX/XX/XXXX payment, totaling {$2600.00}. The trace number for the aforementioned amount is # XXXX. In XXXX of XXXX, I reached out to the XXXX. XXXX Legal Assistance Office, they helped me get another XXXX letter of indemnity. Again, the {$2600.00} was denied. I filed an Inspector General ( IG ) complaint in XXXX and received another Legal Assistance Attorney in XXXX after the previous one XXXX. That attorney, XXXX XXXX XXXX, arranged a three-way phone call with NFCU and myself also on the line and XXXX XXXX facilitating. The representative at NFCU confirmed that they were able to see the mix up. The representative on the line confirmed the XXXX letters of indemnity and XXXX XXXX letter of indemnity. The representative gave XXXX XXXX a new fax address to send a letter of indemnity in her legal capacity. However, after she sent the XXXX XXXX Legal Assistance letter, on XXXX XX/XX/XXXX, on XXXX XX/XX/XXXX I called NFCU and they replied that they would not accept XXXX XXXX letter of indemnity, it had to be from XXXX. On XXXX XX/XX/XXXX, XXXX XXXX reached out to XXXX for a third and final letter of indemnity. XXXX only does two letters of indemnity, but they allowed an exception. However, this time NFCU came back saying there were insufficient funds and that the account had been closed. If youre reading this complaint and thinking, well she should have kept track of her money better. Rest assured, that I am beating myself up with that refrain already. But from a consumer standpoint, if NFCU told me where they saw the error, they have the trace number, and they saw that it went into the wrong accountit seems that the next step would be returning the money. Instead, NFCU has initiated bureaucratic roadblock after bureaucratic roadblock, saying I need another XXXX letter of indemnity when Ive already sent two on my behalf, telling my Legal Assistance attorney the wrong fax information, and conceding that they see the account transcription error when I call them. I feel like Im getting runaround. Through multiple XXXX and moves, I wrote the wrong account number down and only realized it in XXXX. I know {$2600.00} might be a drop in the bucket to NFCU, but its a lot of money to me.
Consumer complaint received 2021-12-21
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: EQUIFAX, INC. (NV)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (IL)

On the date of XX/XX/2021, Aspire Servicing center added a derogatory mark on my credit report ( XXXX  ) per XXXX XXXX. Upon further research, the debtor has not provided original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and not to mention that any one can send a bill and say its mines. According to the FCRA, XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this account from all three credit bureaus immediately.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: 360 Credit Consulting (NC)

I began service with 360 Credit repair in XX/XX/XXXX @ $ XXXX/month for credit repair. During the first 3 months, this company admittedly did not send out any inquiries. From XXXX until XX/XX/XXXX, they assured me that things were being removed and would eventually update or show on my credit report. Needless to say that in XX/XX/XXXX, after months of no response from the rep XXXX XXXX XXXX, supervisor ) for 3 months, I called to cancel my service. I pulled my credit report and saw that everything that was supposed to have been removed, from the beginning, was still on my credit report. XXXX XXXX essentially lied & told me that 'mortgage companies don't look at medical bills '. Another lie to make up for the lie in XXXX that my medical bills were removed then. She tried to still charge me for another month, after admitting that she had no further work to do on my credit ( even though there was nothing done all together ). This company is a fraud. For months, she, as a supervisor, lied about work being done to repair my credit ; while no work was really done at all for the entire time ( 11 months = {$1100.00} ). I have emails from XXXX that confirm my disputes as well as my claims about the items not being removed, after she lied for months.