davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I was trying to buy a truck at the XXXX dealership today XX/XX/20 and when they ran my credit, I was told that I did not qualify to finance a car at this moment because there are accounts in negative standing on my credit report. I had no idea what they were talking about because I have always made sure to pay all of my loans and credit cards on time. When I got home I looked through a copy of my credit report and I saw three accounts and a few credit inquiries that are not mine. The  accounts are from these companies ; XXXX  XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX. I did not open any of those accounts and I did not give anyone permission to open them on my behalf. I do not have written or verbal contract with those companies nor did I benefit anything from those accounts such as money, goods, services or any other benefit. I did not contribute to any payments that might have been made towards those accounts. I have already filed a police report & a complaint with the CFPB.
Consumer complaint received 2023-05-14
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: Exeter Finance, LLC. (WA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 section 604 A section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rausch Sturm LLP (MI)

This was a legitimate debt. I lost my job in XXXX  and couldn't pay the credit card. It went through many hands, and eventually landed with Rausch Sturm, LLC., who immediately sought and won a judgement. I worked out a payment plan with them and was paying monthly. There were no monthly bills sent, there were no email reminders, nothing. Usually they would call and I would pay over the phone when they called. Out of sight, out of mind, its the last thing dangling from that period of time. 

Yesterday, I logged into my online banking to balance my checkbook. I noticed a large amount debited from my account that I was not expecting. I alerted my bank and reported a fraudulent transaction. Upon investigation, they told me there was a garnishment submitted from these Rausch Sturm people. I called them and inquired. I hadn't made my XXXX payment, so they proceeded to garnish my bank account. Did not call me, did not notify me, nothing. Just took the money. They said they could, because they had the judgment. I asked why they didn't call me or leave a voicemail. They said the client they were working for said they do not have to leave voicemails in attempts to contact. I had zero contact or warning this was coming. Nothing. 

I think it is absurd that a company can do this without warning, without contact, without anything. It should be illegal. Additionally, I think the timing is highly suspect since its tax season and they are probably looking for people 's tax refunds. I'm so disgusted I want to look into options to sue these people.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NY)

Someone opened an account in my name. I never opened this account nor did I even receive this card. I asked to submit a fraud complaint and they refused because I wouldn't give them my full social security number. I refuse to give it out to a company that has a card in my name that I didn't open. Not to mention I never had a credit card company ask for my full.social security number. When I finally received a bill it was for plane tickets which common sense would be able to see if I boarded a plane or not. I haven't flew on a plane in about 10 years and it was only 1 time. I XXXX  the company 's number and it states it's a scam so how is this company allowed to report a fraudulent account and destroy my credit score that I have worked hard to earn. Again common sense shows I pay all my bills on time. XXXX must have XXXX  working for them because they agreed with the company. Probably working with the company to make customers pay for credit monitoring. The company is called citi XXXX XXXX XXXX XXXX. The amount in question is {$2600.00}. I then receive a letter saying they need more information before new charges can be allowed.
Consumer complaint received 2024-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC (NC)

Our loan was paid off in full on XX/XX/year> via wire transfer to the bank listed on the payoff documents. We submitted proof from the attorney office of the wire transfer but Shellpoint has yet to post our payment. They have stated they switched banks and can not find payments to that account. We have made two payments on the loan since the payoff was submitted. Shellpoint instructed me to call the bank the money was sent to ( that was on their payoff form ) and ask they forward the funds to their new account, as if I have access to move money from a account that I do not own?! They then asked for bank statements showing the withdrawal from the bank after I already sent the wire transfer confirmation. The money came from the attorney so I do not have access to their bank statements. I have contacted the company multiple times via phone and email with no solution. The attorney has also emailed with no response. This is a nightmare. How does {$190000.00} not get accounted for?!
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (DC)

Online transfer for {$300.00} from spend XXXX PNC to XXXX on XX/XX/20 has not reached the receiving bank for more than 25 days. 
PNC says the transfer has been completed on XX/XX/20 XXXX says they do not have any proof from PNC of the transfer.
Consumer complaint received 2021-09-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

I intended to purchase {$1000.00} worth of Crypto currency from CoinBase. They took money out of my Bank Account the XXXX dollars but claim they have no record of transfer. Lost {$2000.00} worth of money and assets because they claim to have had a server issue. I gave them transfer ID from my Bank still my account is locked unable to touch assets and money was taken from my Bank. It's one thing to be robbed by a poor person, entirely worse when it's a corporate multi million dollar organization. I don't know what to do CoinBase customer support wont help and they claim to have no record yet they took the money out of my BANK..
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I was enrolled in a covid forbearance for two months XXXX and XXXX of 2020, due to job loss for my two XX/XX/XXXX accounts. I was told the accounts would not report more past due than what they were due to the fore forbearance. Neither account was 30 days past due when I enrolled, so the reps at XXXX XXXX all advised my account would be reported as current. I received a notification, saying my accounts had been reported to the bureaus as past due. One account was reported 30 days past due for {$1.00}. I have spoken to endless supervisors and written letters of dispute to both XXXX XXXX and all three of the bureau. They didnt do a good job investigating this issue, as they responded back a day later saying it is verified. XX/XX/XXXXXXXX claims they opened their own investigation which took a month and advised their investigation was completed and claims I was not enrolled in forbearance when I was since my payment due screen was XXXX. They said the rep I spoke with must of forgotten to enroll me. The bureaus automatically side with the creditor and didnt investigate this properly. I wrote them all a letter and disputed these three collective late payments online. No one will help.
Consumer complaint received 2019-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am aVICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit ( DOMMA ) is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2020-10-23
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. (NV)

Complaint number XXXX and XXXX was not addressed. Experian did not address the complaints that I submitted to CPFB. Experian need to address the issues! I have sent Experian numerous documentation I have sent CFPB numerous documentation and Experian refuse to correct the errors on my credit report. I have sent my passport and my utility bill through certified mail. Experian is lying stating they never received the information to avoid fixing the problem. I have had enough of the cat and mouse game with Experian and the premade letters that they keep sending me. I have reached out to legal representation regarding these issues. The Ohio Attorney General will be contacted along with all the disputes I have sent through CFPB and the certified mailings that I have sent via USPS. This is utterly ridiculous! I take my credit seriously and this is becoming a nuisance. This need to be fixed immediately!
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GRANITE STATE MANAGEMENT & RESOURCES (TN)

GSMR is a student Loan on Forbearance and they have reported to the three credit bureaus as 90 days late. They did tell me over phone that the 90 days late will be removed since it has been on forbearance since 2018 but nothing was done till date.
Consumer complaint received 2021-03-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: KEYCORP (NY)

I am a victim of identity theft. The criminals established a " KeyBank Hassle-Free Account '' at KeyBank in my name on or about XX/XX/2021. At the same time, they fraudulently applied for unemployment benefits in New York State and KeyBank, under the New York unemployment benefits program, also issued me a " Key2Benefits '' mastercard debit card. I never applied to open either account with KeyBank. On XX/XX/2021, I called the KeyBank Fraud department to report these frauds at XXXX XXXX  EST. The fraud reference number given to me is XXXX. I also reported the fraud to the New York State Department of Labor with respect to the unemployment fraud piece of this. KeyBank Fraud team claimed to be initiating an investigation and promised to ensure that these accounts were promptly frozen and/or permanently closed. A month later, as of XX/XX/2021, I have not received confirmation that the fraud investigation has been completed or that these accounts were closed. In fact, I received a second account statement for the KeyBank Hassle-Free Account for the period XX/XX/XXXX XXXX XXXX. While there has apparently been no activity on this account, I would like written confirmation that KeyBank conducted the requested fraud investigation and closed these accounts.
Consumer complaint received 2022-09-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (PA)

I opened a business checking account with US Bank on XX/XX/XXXX - a new account bonus of {$500.00} was offered via an online ad if I deposited {$5000.00} within 30 days and completed 5 qualifying transactions within 90 days. I signed up for the account after clicking on the ad with promo code XXXX. I deposited {$5000.00} on XX/XX/XXXX and completed the XXXX qualifying transaction on or before XX/XX/XXXX. The {$5000.00} remained on deposit with the bank until XX/XX/XXXX. 

I contacted the bank in early XXXX and was told it would be 45 days from my last transaction for the bonus to post ( which would equate to XX/XX/XXXX ). As of today, XX/XX/XXXX, the bonus has still not posted and after contacting the bank again today, I was transferred to 3 different departments with no resolution and was disconnected without getting additional information.
Consumer complaint received 2021-06-19
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. (TX)

XXXX is reporting an inaccurate balance on my credit report and continues to report late payments. 
According to credit reports it shows The car was repossessed, mentioned it was resold, and Im addition it was indeed charged off. Yet XXXX is still continuing to report and state that I owe for late payments. I myself have not had any history with this account since XXXX and now it is XXXX and this company is still reporting I owe a higher balance, and themself are reporting erroneous information. 
I ask that This account be fully verified, every single payment amount and date received be confirmed, further proof of when and to whom the car was sold to and the amount the car was sold for.
Consumer complaint received 2020-10-23
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: DISCOVER BANK (NC)

Discover has been dragging my dispute out since XX/XX/2020, which they have made a final conclusion on XX/XX/2020, despite incontrovertible evidence showing that the merchant was paid twice and was supposed to refund the amount back to my card ; in other words Discover was supposed to credit back the amount that was charged to my credit card by the merchant because the receipts showed that my company had paid the merchant ( XXXX XXXX ) for my stay. To give more clarity, this was a 'paid by other means ' dispute for which I had to prove through documentation that the merchant was paid twice. I provided said documentation by sending XXXX   receipts which showed the account it was paid out of, the merchant it was paid to ( XXXX XXXX ), and the date/time it was paid which also outlines it was the same day that my credit card was charged. I had followed up every other week to check on the status of this dispute and every time I spoke with a representative I was told a supervisor would give me a call within 72 hours. Some representatives gave a slightly different narrative and said a supervisor would call me within 24 hours, or 48 hours, and even in some cases I was told they would get back to me within a week. 5 months later and I was still waiting on a phone call. They have been ducking and dodging me for the past 6 months now while I've been struggling and diligently calling to push for a resolution because I had submitted all of the requested documents. When I was finally able to get a hold of a supervisor a few weeks ago, he had expressed to me that " if I was part of the back office and I had reviewed your case there would have been no question that I would have decided in your favor '', but unfortunately it wasn't his decision even though it should have been because he stuck to the facts of my case, and those facts are that I had sent in receipts and even had my company send a letter stating they had paid for my stay at XXXX  XXXX and therefore my credit card should have been adjusted to show a refund. It bewilders me that Discover would make a decision in favor of the merchant despite me providing proof for me case. It almost seems like Discover bank is in the business of protecting the merchants and not their cardholders nowadays. 

Anyway, I will attach all the documents and receipts below that argue for my case.
Consumer complaint received 2021-06-19
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. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2020-10-23
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. (NJ)

I was enrolled in a covid forbearance for two months XXXX and XXXX of 2020, due to job loss for my two XX/XX/XXXXaccounts. I was told the accounts would not report more past due than what they were due to the fore forbearance. Neither account was 30 days past due when I enrolled, so the reps at XXXX XXXX all advised my account would be reported as current. I received a notification, saying my accounts had been reported to the bureaus as past due. One account was reported 30 days past due for {$1.00}. I have spoken to endless supervisors and written letters of dispute to both XXXX XXXX and all three of the bureau. They didnt do a good job investigating this issue, as they responded back a day later saying it is verified. XX/XX/XXXX XXXX claims they opened their own investigation which took a month and advised their investigation was completed and claims I was not enrolled in forbearance when I was since my payment due screen was XXXX. They said the rep I spoke with must of forgotten to enroll me. The bureaus automatically side with the creditor and didnt investigate this properly. I wrote them all a letter and disputed these three collective late payments online. No one will help.
Consumer complaint received 2024-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: Continental Finance Company, LLC (CA)

XXXX XXXX  became XXXX in the past month, Notices were sent regarding this change. Letters from a month ago disposed of. 

Revel sending emails regarding activation of new card, and perhaps lost or stolen if not received. Possible, but mail in building secure. 

Emails have a number to call to report. 

# will not any progress to speak to anyone without card/account #. 

Perhaps in this time, late fees and interest are being accrued without resolution.