davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Self Financial Inc. (VA)

The following company never proved their methods of verification through several stages of written credit disputes : SELF / XXXX XXXX The letters that were sent out are as follows : dispute letter 1 -- mailed on XX/XX/XXXX and received on XX/XX/XXXX dispute letter 2 -- no response letter mailed XX/XX/XXXX after over 30 days of no response dispute letter 3 -- VIOLATION OF FCRA RIGHTS DISPUTE LETTER # 4 mailed XX/XX/XXXX after 30 days of no response or correction to the credit reports. 

The company failed to verify the debt IN WRITING with original documentation of proper verification of debt per FCRA guidelines and within the given timeframes. Company also failed to remove the debt per FCRA guidelines and by law must remove the debt for failure to provide proper verification within the given guidelines of the dispute process.
Consumer complaint received 2021-01-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown accounts on my credit report. I also informed in my letter that I was impacted by the Equifax Data Breach ; and may have got into the wrong hands. I have not received a response yet. The Law states that a failure to investigate these items within 30 days items must be removed immediately. It has been well over 45 days and I demand that these inaccurate items be removed/deleted immediately, or I will file litigation.
Consumer complaint received 2022-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP (NY)

I opened my account last year as per the rules of the promotion ( attached ) to receive a payout of {XXXX} after direct deposit with promotional code. After receiving my direct deposit on XX/XX/2021, the bank has not honored the promotion unfortunately.
Consumer complaint received 2020-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (MD)

XX/XX/2020 I log into my online banking with PNC and realized there was an deposit for {$460.00} into one of my checking accounts that was not suppose to be there. Immediately I contacted PNC customer service to explain that the {$460.00} that was posted did not belong to me. The online tell went back in fourth me explaining that there was no fruadulent action on my account and that the {$460.00} may just be a credit to my account. I inturn asked for it to be turned over to the fraud department. I was given a confirmation number. Upon hanging up I contacted the police. I was given a police report. I contuied to use my account. XX/XX/2020 I went to pay a bill and my account was in the neagitive for {$460.00}. I want to a PNC bank branch and was told the {$460.00} was no where to be seen in the account. Meaning it has no evidence of ever being there. I also spoke to the fraud department and was told the same thing. So basically it was there but wasnt there and I called to report it which the teller also seen it. But now my account is in the negative. I requested my account to be on hold. Because of prior issues weeks before that resulted in me closing one of my checking acounts down. Im not sure whats going on but Im very sure that fraud is the issue. Ive been with PNC bank for a few years and have never had these issues.
Consumer complaint received 2020-05-12
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: EQUIFAX, INC. (FL)

( 103 true Identity theft ) 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 Please block this information from report i've try over and over to solve this matter and still haven't been solved I recently found i was involved in the Equifax Breach of XXXX i was very scared about the news i was eligible to file a clam for what was lost but the process was very long, time consuming and complicated being that i dont have a history in credit or finance i was referred to an attorney who specializes in predatory loans and breach victim compensation after carefully reviewing all 3 of my credit files Ive noticed that i have after finding out i've place a fraud alert on my credit file on XXXX but that still haven't help fraudulent accounts still was open after calling the credit companies i have a list of account that was open and use without my consent XXXX  Report number XXXX XXXX  File Number XXXX XXXX Equifax Block me from getting a copy of my credit report after telling me i was a victim of the XXXX data breach i haven't been able to get a report from then since so i dont have a report number from them i also have A POLICE REPORT FROM XXXX XXXX POLICE DEPARTMENT XXXX Incident Number XXXX here 's the list of accounts that was open fraudulently XXXX XXXX XXXX {$670.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$24000.00} XXXX XX/XX/XXXX XXXX XXXX/XXXX {$300.00} XXXX XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$680.00} XXXX XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX   XXXX {$550.00} XXXX XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX/XXXX   XXXX  {$1800.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$1400.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX  XXXX {$670.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX PLEASE HELP ME i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports..
Consumer complaint received 2022-12-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

I lost everything I have save through a scam that was carried out on Coinbase. 
I have my money wired to Coinbase and used in a scam that resulted in losing everything. 
Coinbase charged me transfer cost but refused to protect me from being lured to some scam on the XXXX XXXX XXXX through their Wallet.
Consumer complaint received 2022-05-02
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: EQUIFAX, INC. (MS)

In accordance with the Fair Credit Reporting act, XXXX XXXX # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-05-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

It was my sister 's birthday and she asked for a brand new phone, XXXX XXXX XXXX  to be exact. I wanted to grant her wish. I am a XXXX   XXXX so my fund is limited, hence I was looking for cheaper alternative. I ended up looking at XXXX  market. The girl named XXXX XXXX claims that she works at USPS. She got my trust easily because she mentioned she has a fear of being scam. She lives in PA while I live in a different state. She suggested to ship the item and also mentioned she have sent an XXXX already to this lady in XXXX. I desperately want my sister to be happy on her birthday especially with this pandemic going on. I paid {$560.00} through XXXX XXXX and XXXX told me that she would send the item once she works the next day. I keep texting her to update me, two days after I decided to go to XXXX XXXX and ask for a refund. I sent her the money on XX/XX/XXXX ( my sister 's birthday ) and it was XX/XX/XXXX when I asked for a refund from her. She blocked me through everything and I felt hopeless. I informed my bank, Capital One to file a dispute, they have given me a temporary credit. On XX/XX/XXXX, Wednesday, Capital One emailed me saying they have declined my dispute. I filed it again due to feeling that their investigation was not fair since they have not ask me for any documentation or proof because I still have the screenshots of the deal but the merchant did not ship the item. However, Capital One sent an email on Friday, XX/XX/XXXX still declining my claim. At this point the only option I have is to file a police report the next day, XX/XX/XXXX. I am devastated. It is a big amount of money and I'm doing everything I can to get it back, I really need it back. Please help me. I don't know where to go to get back my money.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

I have a credit card from JPMCB CARD, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called JPMCB CARD and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and JPMCB CARD with no successful resolution. XXXX, XXXX, and XXXX  reporting me 30 days LATE. There was an error on their part. I was never 30 days late.
Consumer complaint received 2020-05-11
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. (NY)

I have made arrangements to pay off this debt that was in collections in full and to have it removed/deleted from my credit reports. I've paid it and they didn't remove it as promised.
Consumer complaint received 2021-04-12
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: EQUIFAX, INC. (OK)

This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Consumer complaint received 2021-04-12
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: EQUIFAX, INC. (LA)

This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (MI)

I requested Mortgage Forbearance XXXX XXXX to provide time to adjust to changes with income. On XX/XX/XXXX, I requested the forbearance be removed. Somehow Wells is stating I re-requested an active forbearance. This is inaccurate, Wells Fargo advised I would need to make three payments to reinstate my loan prior to any modification. I began making payments in XX/XX/XXXX and through XX/XX/XXXX. In XXXX, I met the requirements for modification. Wells dispatched a title company 30 days later on XXXX to sign paperwork. In XX/XX/XXXX I began calling Wells Fargo, requesting an update after I noticed my XXXX payment was not applied to my mortgage and placed in a suspension account. I requested my credit report be updated. Wells is reporting NR XX/XX/XXXX. I made payments in XX/XX/XXXX and XXXX. The reporting is making it appear I have not made any payments for 9 months ; furthermore l, have a hardship. My report also has a notation that I am making a partial payment agreement. I escalated to the Wells Fargo Executive Team and have provided them 14 business days to correct the information. I would like the comments on my report updated to paying as agreed. I never paid partial payments. I deferred three payments to the end of my loan. In addition paid 8 additional payments since loan origination. Because I set up bi-weekly payments. I would also like the months I made payments to reflect those. 
It was my understanding the forbearance would not reflect poorly. If I new it would take 6 months to reinstate / modify my loan I would have repaid the suspended payments. This information was not discussed as we are all in uncharted times. I was working with my financial institution on a new loan and their underwriting flagged the non reporting mortgage payments.
Consumer complaint received 2020-05-12
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: Experian Information Solutions Inc. (VA)

There are several incorrect collection agency derogatory referrals to my credit profile that have the effect of significantly reducing my credit score and how prospective lenders assess my creditworthiness. These collection agency referrals are completely unknown to me. I had never received any statement, notice or other documentation in explanation of the referrals. Further, I contacted each of collection agencies as well as Experian demanding a full explanation of the legitimacy of the referral or to have the items removed from my credit profile. This included two letters to Experien, dated XX/XX/2020 and again on XX/XX/2020 requesting an investigation into the collection agency referrals, that I had written to the collection agencies with no response from them and to either justify the referrals or remove the items from my credit profile - and to reissue a corrected credit report. As of this writing there has been no evidence of any investigation, no proof of the legitimacy of the entries - all to the detriment of my credit profile and score.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX XXXX - XXXX - is reporting an erroneous account on my credit and showing a balance. I have disputed this several times with the bureaus and they claim it is valid and it OBVIOUSLY IS NOT! 
This debt was paid prior to even going to XXXX XXXX XXXX and it was sent to collection in error. Now they keep reporting and updating a BALANCE on my credit file even though their own note on the accounts shows SETTLED FOR LESS!!! 
So how can this be valid? it is a clear and obvious violation and it has just affected my financing. I lost a house because of this so I have notified my attorney to pursue legal action unless this is removed immediately.
Consumer complaint received 2022-04-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (NY)

Our mortgage was sold to Selene by XXXX the summer/fall of last year. My husband is on permanent XXXX due to XXXX, and I am unemployed ( Covid-19 related ). I was able to find a part time job, but not nearly the same amount I was making before Covid, plus the job is a grant-funded position. We were under forebearnce with XXXX and was at the beginning of applying for a modification when our mortgage was sold ton Selene. My husband also is under XXXX XXXX bankruptcy. 

Weve tried to work with Selene numerous times on a loan modification. We have a XXXX XXXX XXXX son and nowhere to go if we lose our home. Selene sent my husbands bankruptcy attorney a modification, whereby we had to make one payment and then Selene would give us a permanent modification and agree to esponge my husbands bankruptcy records. We held up our end of the bargain, but Selene hadnt. They told the attorney they sent the modification in error, even though we paid the amount in the mortgage and have been paying the regular mortgage amount since XXXX of XXXX. Worst of all, the money we paid has been reversed by Selene, but we havent gotten any of it back. They are impossible to reach and when we did get a representative, we were told they couldnt speak to us about our own account.

The bankruptcy judge says he cant force them to uphold the agreement and we have yet another court date. We dont know what to do. It seems like Selene isnt interested in helping us keep our home, but wants to foreclose on it. We have a young son and need to keep our house. We want Selene to honor the trial modification they sent us. Weve done our due diligence.
Consumer complaint received 2020-05-12
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: SYNCHRONY FINANCIAL (DE)

I have tried several times to get GAP credit card to stop reporting my closed account. It is closed on my XXXX credit report as of XX/XX/XXXX. It is an expired credit account. The second time now that I disputed it they are now adding 6 more years and it will not come off until XXXX. I never paid this account late and closed this on my own. Also, the high balance is higher than what they said my limit was which is not true. I need this off all my credit reports but people at GAP keeping it on there. WHY???
Consumer complaint received 2020-05-12
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (NY)

I have a lease with Chase Auto Finance and they stopped my automatic payments. 2 payments were missed and I have now paid off these amounts. I explained to their agent that their documentation states that if you return the car, I would have to stop the automatic payments. But according to them, apparently when I extended my lease, I have to turn automatic payments back on. 

I just received a call from the agent that I spoke to last week telling me that they would not be able to back-date the payments after they had informed me that they would. 

I have been a loyal customer to them, have been very consistent with my payments on all except one occasion ( which was also mishandled early on in this lease according to my opinion of the events ) and they are treating their customers unfairly during this crisis. My wife was diagnosed with COVID and this has been a very stressful time for us. There are many customers that are suffering and to hear that there is no leniency during this time is very poor customer service. 

My credit has been negatively affected before because of their mishandling - all of my other creditors have been paid on time. I accepted that first incident and thought I could move on from that. This is unacceptable that they would do this during this crisis especially when I am caring for my wife and some of their documentation is confusing.
Consumer complaint received 2020-05-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Revenue Corporation (KY)

I sent correspondence to UNITED REVENUE CORP ( URC ) concerning medical bills that were the result of ID Theft. I receive no reply/response and in a follow-up call, URC claimed they never received my letter stating that I wish to dispute the collections claim. There are four ( 4 ) different bills that are under the name of XXXX XXXX, however my legal name by which I go by is XXXX XXXX XXXX XXXX, to which I DO NOT abbreviate due to past cross-referencing. However, my DOB and SSN have been attached to the fraudulent abbreviated name and has caused great confusion when verifying/validating the accuracy of the medical bills. 

URC claims that I have had services rendered at four hospitals on four ( 4 ) different dates. This corresponds with the same time of the date range that correlates to my ID Theft, as I continue to uncover more ID Theft incidents. 

With URC, I sent a letter disputing the claims they have on record and never received a response. On the follow-up call, I was verbally informed of dates, and medical record id numbers along with the hospitals and dates where the services were rendered. This was specifically requested in writing to establish dialogue and updated information so that I could receive written responses. 

Per URC, I contacted the hospital and they referred me back to URC for resolution. I requested for a formal affidavit form to dispute and URC does not provide such forms or process for victims of ID Theft. However, in my original correspondence, I attached a notarized Affidavit of ID Theft along with other documentation to begin the process, yet URC is using tactics to discourage and abuse opportunity to gather information on the collections accounts and a clear process that entitles me to remedy my injury ( inaccurate information on my credit report ) as the result of the ID Theft. 

Also, in the conversation, they indicated that their fraud Department would determine the validity of my claims, yet also informed me that the original company to which they bought the collection medical bills would have to be the entity that proves I did not utilized medical services ; when I contacted the originating hospitals, they referred me back to URC. 

My concern is that my rights to obtain information about the collection account is being purposefully impeded by URC through their collection process and obligation to provide requested data. In addition, their 'investigative ' process that was explained to me, is contradictory and has an element of subjectivity that allows URC to report inaccurate information. These factors only further the injury to me and my reputation due to an inaccurate credit report.