davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

There are two XXXX bank card listed on my credit reports which I've disputed and the negative information still has not been removed. For one account it is listed as a charge off of {$2400.00} in XX/XX/XXXX, but with a credit amount of {$1500.00} that month and pays as agrees status through XX/XX/XXXX and a delinquency first reported on XX/XX/XXXX, but also first reported in XX/XX/XXXX. This is all incorrect, obviously, and should have been removed from my report. For the second account there is a charge off amount of {$2300.00} in XXXXbut with no balances for that year, only for XXXX and no available credit ever listed. I've repeatedly requested this negative incorrect information be removed as well. but it has not been.
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2021, I opened a second dispute of XXXX XXXX with Experian and XXXX. I submitted proof to Experian that I sent a verification letter to XXXX XXXX and they did not respond within 30 days. Experian notified me that their investigation was complete on XX/XX/2021 and the negative reporting of XXXX XXXX remains on my credit report.
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

At the time the Corona virus was starting to affect me in early XXXX all banks I work with extended relief and proactively offered to work to delay payments with no consequence. As a result I held onto cash until I could determine the degree I will be affected, and did not pay many accounts until late XXXX. 

For my line of credit with XXXX XXXX, this meant I delayed payment until XX/XX/XXXX ( 2 payments ) and XX/XX/XXXX totaling {$1400.00}. I used XXXX own online system for these payments, and was surprised there is a 2 day delay in an internal transfer showing up even though its the same bank. On XX/XX/XXXX, XXXX reported me as late even though the reason is Covid, and my credit score dropped significantly. XXXX tells me I was required to proactively submit a request form but did not communicate this to me. Over the long term, XXXX does not proactively notify me when a payment is coming up for my line of credit or credit card accounts, even though they own both. For all other accounts in online banking ( like XXXX XXXX XXXX ) I get notification. XXXX ' approach is to use a phone call which gets marked " Spam '' to call me, and there is no message left. This has directly resulted in 4 total cases, with my credit score significantly affected as a result. I request the most recent case as well as the 3 prior late payments showing from XXXX to be corrected.
Consumer complaint received 2020-01-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NY)

XX/XX/2020 XXXX and XXXX XXXX Loan number XXXX XXXX XXXX XXXX XXXX, NY XXXX Good morning, We're reaching out to you, this morning, to bring to your attention the questionable behavior of Bayview home loans, as well as their attorneys, XXXX XXXX. 

My husband and I have been working with Bayview Home Loans since XXXX, attempting to negotiate a Forbearance Plan. We submitted a complete request package on XX/XX/XXXX and shortly thereafter were notified, via mail, by XXXX XXXX that there is a pending hearing scheduled for XX/XX/XXXX. 

Not only does Bayview have no record of REQUESTING this hearing, they have no record on file of the hearing date scheduled or of giving XXXX XXXX permission to schedule it. We've spoken to Bayview on three separate times regarding this matter - XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On each of those conversations, Bayview Home Loans confirmed for us that there was NO HEARING SCHEDULED and they had NOT GIVEN permission to XXXX XXXX to do so. 

We're extremely concerned about this situation, given that we can't get a straight answer from either organization and we're asking that you step in and request that this hearing be immediately put on hold. 

Once again, we are actively engaged in negotiations with Bayview Home Loans - given that, under federal guidelines, no legal action can take place until the determination of our request is completed. 

I can be reached at XXXX anytime. Thank you for your assistance with this, XXXX XXXX
Consumer complaint received 2021-03-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau of Jamestown, Inc. (NY)

I have been getting repeated phone calls from MetCredit for a medical bill to XXXX. I called XXXX it turned out there was some confusion between them and my insurance company, which I resolved. ( XXXX had my XXXX  Copay listed at {$30.00}, which is what it said on my insurance card, but the provider had, unbeknownst to any of us, raised the copay to {$45.00}. I had visited twice, paying {$30.00} each time. For some reason XXXX was sending the bills to a very old address rather than the address they confirmed they had, which was correct ). I got a confirmation number to confirm that I didn't owe any money. When Met Credit called again I attempted to give them that number, and they refused to accept it, telling me it was up to me to fix it, and then hanging up on me. I don't know what more I can do to fix this, The bill was for {$30.00}. The most recent call was at XXXX XXXX on Friday, XX/XX/2021. 

The confirmation number given me by XXXX is XXXX confirmation # XXXX
Consumer complaint received 2018-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I had 2 open Accounts with XXXX loan, due to uncontrolled circumstances I was unable to pay the balance owed on the accounts. however, I was sued and my wages were garnished. The account ended up getting paid in full. on XX/XX/2015 a cancelation letter was mailed out that my account had been satisfied and there was no need to take anymore of my wages. As of today, tower loan is still reporting on my credit report that I have a balance with them and I DONT. I was actually sent refunds for the above mentioned account.
Consumer complaint received 2021-05-16
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. (NC)

I have received a copy of my credit report and it shows company XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1200.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2021-03-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC. (GA)

I contacted the lender regarding the advertisements that I have been allegedly pre-qualified to receive. When I went to apply, I was bewildered that my credit score from six months ( XXXX ) popped up and I was locked into a loan with a five-year payback period. As a returning customer, with two previous loans paid in full, I am confident that the business is executing unethical measures to assess higher interest rates and to participate in predatory lending. As of today, my credit score is nearly 100 points higher and I was unable to elect for them to pull my new credit.
Consumer complaint received 2020-01-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (NV)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX This request can not be processed online. XX/XX/XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX Account NameXXXX, XXXX. 
Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusCollection account. {$280.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$280.00} Balance UpdatedXXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$280.00} Highest Balance {$0.00} Terms1 Months On Record UntilXX/XX/XXXX Payment History Account NameXX/XX/XXXX Account XXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusPaid in settlement. {$430.00} written off. 
Status UpdatedXX/XX/XXXX Balance- Balance Updated- Recent Payment- Monthly Payment {$0.00} Credit Limit {$300.00} Highest Balance {$430.00} TermsNA On Record UntilXX/XX/XXXX Payment History General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account NameXXXX XX/XX/XXXXXXXX Account NumberXXXX Account TypeSecured Loan ResponsibilityIndividual Date OpenedXX/XX/XXXXStatusAccount charged off. {$4100.00} written off. {$4600.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$4600.00} Balance UpdatedXX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$4500.00} Highest Balance {$0.00} Terms34 Months On Record UntilXXXX XXXX Payment History Account NameXX/XX/XXXX Account NumberXX/XX/XXXXAccount TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid in settlement. {$2000.00} written off. 
Status UpdatedXX/XX/XXXX fcra violations not mine remove it XX/XX/XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit fcra violaitons never late
Consumer complaint received 2018-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Tower Loan of Mississippi, Inc. (LA)

I had 2 open Accounts with Tower loan, due to uncontrolled circumstances I was unable to pay the balance owed on the accounts. however, I was sued and my wages were garnished. The account ended up getting paid in full. on XX/XX/2015 a cancelation letter was mailed out that my account had been satisfied and there was no need to take anymore of my wages. As of today, tower loan is still reporting on my credit report that I have a balance with them and I DONT. I was actually sent refunds for the above mentioned account.
Consumer complaint received 2021-06-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (IL)

My complaint goes back 2 years but I will limit it to what has happened since XX/XX/2021. I paid through citi banking portal, XXXX  on XX/XX/XXXX, XXXX The check wasn't cashed until mid XXXX. I wrote a check on XX/XX/XXXX to XXXX and as of XX/XX/XXXX it had not been negotiated and I stopped it and reissued another one on XX/XX/XXXX and as of XX/XX/XXXX, it has not been negotiated. I wrote another check on XX/XX/XXXX for XXXX for XXXXXXXX XXXX insurance payment, I pay bi monthly, and as of XX/XX/XXXX it has not been negotiated. It took two months for XXXX 's payment to be negotiated, I stopped a XXXX check after 2 months because it had not been negotiated, and now I sit 5 weeks hence from writing the last payment and it has not been negotiated. 
I have written, called, complained about XXXX, but I have also attempted to get citi to ascertain why the payments are not being negotiated. I received this from XXXX, Dear XXXX : This letter is in regards to your recent premium payment. This payment was not honored by your bank. Your policy has been terminated as of XXXX We truly value your business and want to thank you for choosing XXXX XXXX XXXX If you have any question, or we may of assistance to you in any way, please feel free to call. Customer service department toll-free XXXX. For your convenience, secure onlline access to your account is now availablle through XXXX XXXX  for Members. Please visit our website at XXXX sincerely accounting deptartment. 

I called citi and asked for help in this matter and was told they could not help. I found citi 's ceo idenity on the internet and sent complaints about this to her. Subsequently someone from citi left a message and a number to call, I have called it for several days up to 50 yes 50 calls at a time and I get no response.

My insurance is cancelled, my future medical appointments are in jeopardy, because communication between the bank and the payee is virtually non existent and neither one are rendering the services they puport to deliver. Either citi isn't paying XXXX or XXXX isn't cashing the checks sent them on my behalf by citi. citi won't help me find out which, so I am filing this complaint wanting the outcome to be some assistance from citi bank.
Consumer complaint received 2018-10-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (IA)

I have a mortgage with Freedom Mortgage. Previously I paid through my local bank. They sent the company a PAPER check. 

Starting in XX/XX/2018 it was done by Electronic transfer. 

I have sent the company three payments totaling {$19000.00} in XX/XX/XXXX. 

NONE have been credited to my account as of XX/XX/XXXX I called my Bank in late XX/XX/XXXX and they confirmed that the payments were sent through the " Federal Reserve ''. 

They contacted the mortgage company - no response from the mortgage company I contacted the Mortgage company and was told they were aware of the problem. They were conducting an " investigation '' to find out why, internally, they did not credit the payments to my account. 

They, so far, have not credited my account and have not communicated the results of their internal " investigation ''. 

I do not think I should have to wait to get my money credited while they decide where their internal controls failed. 

Plus what do I do about my next loan payment?
Consumer complaint received 2021-03-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (IN)

Hello, On XX/XX/21 I send a case to Coinbase to flag some unauthorized transactions on my account. My account was disabled and I was told it would be resolved in 10 business days. I have followed up multiple times since then because I can not access any of my cryptocurrency accounts in this time. The last response was on XX/XX/21 saying my case would be resolved in 4-5 business days. I have followed up since then because the case is not resolved and my account is still disabled but I get no response.
Consumer complaint received 2018-10-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: HSBC NORTH AMERICA HOLDINGS INC. (ID)

I responded to an offer to open a checking account at HSBC. The opening process was excruciating but I worked through it. I made two transfers of funds and was disappointed both times by an extremely long transfer time. Everything about HSBC is slow and clunky. I attempted to close the account on XX/XX/2018 by contacting customer support. I was advised that there would be a fee for closing the account before six months through a rep but if I were to transfer my balance out first there would be no fee. This advice was given by phone and I have a recording of that conversation. When that transfer was complete on XX/XX/2018, I called back to close the account and that rep refused to close the account because there were insufficient funds to cover their fee. I was told that I would have to transfer {$25.00} back in. I have a recording of that conversation. All transfers were initiated via the HSBC web service, this transfer took a full week. When the funds finally showed up on XX/XX/2018, I called back and closed the account. That rep again attempted to convince me to keep the account open. I firmly told her to just close the account. I was told that the account was closed. I have a recording of that conversation. I logged back in on the XXXX to make sure and not only was it not closed but they have assessed a " {$25.00} minimum balance fee. '' HSBC 's purpose here seems to be to keep the account open by refusing to close it for the express purpose of assessing exorbitant fees. I believe that this constitutes FRAUD.
Consumer complaint received 2018-10-16
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: Bread Financial Holdings, Inc. (TX)

XXXX/XXXX illegally ran my credit on XX/XX/2018. My credit bureau file is showing this as a hard inquiry. I have never applied at XXXX XXXX   XXXX. In accordance with the FCRA, I respectfully ask you to investigate my claim and remove the inquiries with all Credit Reporting Agencies. I've called the company numerous times and keep getting the run around stating there is no account opened but they haven't done anything to resolve the issue of running my credit without my permission. This illegal credit inquiry has caused my credit score to go down. Please kindly resolve this issue by doing whats right and removing the credit inquiry or suppressing it.
Consumer complaint received 2018-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have fraudulent accounts on my credit report that I never have had in my life. My XXXX XXXX app says that these things are bringing my credit score down tremendously. 

I need someone to help me fix this because it isn't fair. How can I owe a company I never ever signed up for?? 

Accounts : Transunion : - 6 Fraudulent Hard Inquiries - 1 Collection Account as a result of identity theft ( XXXX XXXX XXXX ) XXXX : - 4 Fraudulent Hard Inquiries - 1 Collection Account as a result of identity theft ( XXXX XXXX XXXX )
Consumer complaint received 2018-10-10
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (FL)

MCM contacted & shared personal & confidential information with someone other than myself- in violation of consumer protection & collection laws. They acknowledged in a response std XXXX but are refusing to remove their delinquency from my credit report.
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY (NY)

All customers that have direct deposit with American Express Personal Savings, Bluebird, and Serve accounts are unable to get their money. We were told that it was something that would be handled in a couple of hours, then by the end of the day, then next day and now it has become a couple of days. People are unable to pay bills, get food, and pay for life saving medication. American Express has yet to explain what is happening.
Consumer complaint received 2022-03-02
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. (FL)

IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ACCOUNT # XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

I have fraudulent accounts on my credit report that I never have had in my life. My XXXX XXXX app says that these things are bringing my credit score down tremendously. 

I need someone to help me fix this because it isn't fair. How can I owe a company I never ever signed up for?? 

Accounts : XXXX : - 6 Fraudulent Hard Inquiries - 1 Collection Account as a result of identity theft ( XXXX XXXX XXXX ) Equifax : - 4 Fraudulent Hard Inquiries - 1 Collection Account as a result of identity theft ( XXXX XXXX XXXX )
Consumer complaint received 2018-10-10
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)

" " '' I have disputed this charge off on this XXXX XXXX XXXX XXXX for months. XXXX have deleted them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' ''
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was on XXXX and I was requesting to get my report from Transunion it kept saying we are experiencing technical difficulties and kept trying to request by mail. After trying to access my file multiple times it said they can not process my request based on the information I provided.