davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (RI)

I received a discharge for my CH XXXX Bankruptcy on XX/XX/XXXX. Nonetheless, several credit card companies continue to show late payments or other derogatory marks against me on my credit report. It shows up and weighs down my FICO account, and is hurting the Interest Rate I'm able to receive on my home refinance. I reached out to all of these companies through XXXX XXXX website, but the majority of them were unwilling to correct the false information. Its so frustrating, and feels criminal! I know there's bigger problems in the world than this, but its frustrating because it seems so simple to fix, and should have been done years ago. I have included PDF 's and screen shots that show which companies are included. 

None of the follow should show any derogatory marks or late payments. Its included in the PDF 's as written ( " XXXX  - False Late Payments on Credit Report pre-bankruptcy XX/XX/XXXX '' ).
Consumer complaint received 2019-08-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (TX)

Ive had a Coinbase account for several years. Two months ago they locked my account. I made several complaints and no one ever got back to me. I want my money released back to me and I want to close my account with them for their terrible customer service. I almost feel like its a scam and they stole my money.
Consumer complaint received 2020-04-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC (DE)

In XX/XX/2019 I made 5 payments up front to cover XXXX, XXXX, XXXX XXXX and XXXX payments, sending them a check for the total fixed payment that had already included interest. I made a {$1500.00} payment XX/XX/XXXX for my XX/XX/XXXX1st due date, my payment is XXXX a month a wanted the rest to be applied to principal. Best Egg took my {$1500.00} and applied the entire amount to interest only telling me that because they were charging me daily on all the payments I made upfront! In my XXXX a month that includes the interest and now they want additional XXXX for more interest because I made 5 months of payments up front! This company needs to be investigated!
Consumer complaint received 2020-10-08
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: MEDCAH, Inc. (HI)

XX/XX/20 A message was left on a co-workers phone stating to call a debt collector. When he called them back. medcah, Inc provided all of my information of my medical bills owed and electric bill owed but was paid off. XXXX tried to collect the debt by asking for a credit card payment. Im not sure how XXXX got his phone number because she has my phone number. I spoke with her two weeks ago regarding the amount she mentioned and requested a list of all account numbers so I can verify  these are in fact my bills. I never received a letter from Medcah. This has caused me major stress and anxiety. I am embarrassed that XXXX provided someone who has nothing to do with my bills all my personal information.
Consumer complaint received 2020-04-28
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: WELLS FARGO & COMPANY (CA)

I AM VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND OPENED A FRAUDULENT ACCOUNT. THE CHARGES ARE FRAUDULENT, THIS ACCOUNT IS NOT MINE. I HAVE ALSO REACHED OUT TO FAIR TRADE COMMISSION.
Consumer complaint received 2018-01-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: URS Holding, LLC (IL)

I just got a letter in the mail XX/XX/18 from XXXX XXXX that they took over an account that the original creditor deemed fraud and that I wasn't responsible for. I called XXXX and explained that but a very rude customer service agent said it was " not her problem and she's here to collect payment. '' I asked her to send me the documents proving this account even belonged to me and she said " by law I don't have to provide that. '' I let her know I would mail in the dispute form on my own and preferred mail correspondence and they are not allowed to call me at any time for any reason. She said '' you better hope we don't track down your phone number. If we do, we'll call you whenever we feel like. '' I called the original creditor and they can't help as they no longer even have my account in their system so I'm stuck
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MoneyLion Inc. (CA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2020-04-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A. (OH)

IN XX/XX/2019, I WAS TOD I OPENED AN ACCT AT XXXX. I DID NOT. I CALLED THEM AND THEY CLOSED IT. I THOUGHT IT WAS OVER. THEN I GOT NOTICE IN XXXX THAT I OPENED AN ACCOUNT AT XXXX. I VERIFIED THESE BANKS HAVE MY SOCIAL AND DOB WHEN I CALLED. I CLOSED XXXX. IN XXXX, I RECEIVED NOTICE I OPENED 3 ACCTS AT PNC. ON XX/XX/XXXX, I RECEIVED NOTICE I WAS DECLINED OPENING AN ACCT AT XXXX XXXX. 
I HAVE PLACED A FREEZE ON ALL CREDIT BUREAUS IN XXXX ( MAYBE EARLIER IN XXXX ) I ALSO CLOSED XXXX  SO MY ACCT HAS FLAGS, PNC WENT AHEAD AND OPENED THE ACCTS. THEY WILL NOT TELL ME ANYTHING ABOUT THEM DUE TO FRAUD. I REPORTED THE FRAUD!! 
I WENT TO MY CITY POLICE, THEY REFERRED ME TO MY COUNTY POLICE. THE COUNTY POLICE SAID THERE WAS NOTHING THEY CAN DO. 
SOMEONE HAS MY INFORMATION AND IS TRYING TO COMMIT FRAUD. I WANT MY INFORMATION CHANGED. I CAN NOT CONTINUE GETTING THESE NOTICES AND ATTEMPTS TO TAKE SOMETHING FROM ME. PNC ALLOWED THE ACCTS TO GO THROUGH AFTER I MADE IT IMPOSSIBLE. THIS IS GETTING RIDICULOUS! PLEASE HELP ME. 
THANK YOU AND SORRY I TYPED THIS IN CAPITAL LETTERS, XXXX XXXX
Consumer complaint received 2019-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (MN)

Ive been Wells customer since XX/XX/2013. I do have saving and checking accounts in Wells Fargo. I do also have brokerage account with them as well as the mortgage, and I receive my paycheck in that financial institution as well. 
I applied online to the wells Fargo Cash Wise Visa. When I read the terms and conditions there is nothing mentioning about requirements for certain or specific XXXX status in the US to be eligible. So I went ahead and applied. A few days later they sent a letter noted under # XXXX stating that my application was denied as for this reason : Not a permanent XXXX XXXX.On XX/XX/XXXX I went to the branch I have my accounts and the banker escalated this issue which was registered under # XXXX. Ten days later, XX/XX/XXXX Ive got a call from Wells Fargo advising that as per their internal policy they do not approve credit cards, unless they are secured credit cards, to people that are not XXXX XXXX or XXXX XXXX XXXX. 
My complain relates to the fact that I feel they are discriminating me in the treatment as there are other people with the same legal statues ( valid XXXX XXXX XXXX ) employed legally in the country that were able to get a credit card approved by the same financial institution. Also, if that is a true requirement for all applicants they should state it clearly in the Card Terms and Conditions form which I have with me. In the application they do not check my XXXX status and whether I have the right to stay in the XXXX  long enough to repay the debt.
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (OH)

My name XXXX XXXX XXXX DOB XXXX SS XXXX I have requested that my security freeze be removed for the 3rd time. I am writing to request to remove a security freeze on my credit report.
Consumer complaint received 2020-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (AZ)

I was approved for Discover credit card as my credit score was pulled on XX/XX/2020. My credit score was XXXX and I was qualified for a {$7500.00} dollar credit limit and I had received this information in the mail from Discover. I also received my credit card in the mail with my name on it at the same time. However, I was asked to fill out a form for Discover to get an copy of my tax forms. I filled this form out online and I have told Discover over and over, since then that I do not file taxes as I live on XXXX. I asked them over the phone in ( recorded call ) to verify my income another way, but they have refused to do so. My income is sufficient for the credit card but they are not letting me use my credit card, due to I dont file tax returns. I am not obligated to file income tax returns. They have repeatedly asked me to submit the same form over and over to the irs to prove my income. I had called Discover on the date of XX/XX/2020 for 3 different phone calls for an total of 33 minutes. I have wasted my time with Discover on the date of XX/XX/2020. On XX/XX/2020 I received the same form in the mail to fill out for taxes that I filled out online over 2 weeks ago. They are discriminating against my XXXX by not allowing me to have the Discover card that I was already approved for to use.
Consumer complaint received 2019-07-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Supreme Lending (TX)

XX/XX/2019 my spouse and I made a joint application for a mortgage with Supreme Lending. We received our pre-approval letter for $ XXXX. Without notice they ( Supreme Lending ) removed me, so it was only my spouse as the borrower and suddenly I was not on the loan! Supreme no longer included me in communications, emails and even needed me to " gift '' my spouse an additional $ XXXX more than the $ XXXX I already had to reach the $ XXXX needed for him to be able to purchase the home we found. I was ignored when asked why I was removed from our joint application. I never received a letter declining credit ( I thought required by law within 30 days of applying for credit ), where there would have been explanation and given me recourse to dispute the decision. I asked Supreme in writing to supply me with that letter stating why I was declined, since I had been removed, I was legally entitled to a letter explaining why I was declined credit. Now to add me to the mortgage we will need a new mortgage, new closing, also new closing costs and a new interest rate, so more money, yet the first mortgage there was no explanation to why I was removed. We had one house during this home shopping that we as a couple decided not to purchase. When we did that,  Supreme Lending did send a decline letter. That letter was sent to only my spouse and the explanation was buyer changed mind ( or something along that verbiage ) either way they excluded me but followed credit law and sent letter explaining why credit was not being granted, but only to my spouse not to both applicants. Since getting the mortgage with Supreme I have written to them and asked for the letter they should have sent and the only letter Supreme sent was the letter Supreme sent to my spouse. Supreme never sent anything to me to explain my standing. My credit was hurt by the hard-hit inquiry from our joint credit application, then no credit being granted and the future expenses to correct this. What recourse do I have against Supreme Lending for how they discriminated against me? Also I believe by the total disregard to women they do this to others as a way of business so there are others being hurt and will continue to be hurt.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2020-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (GA)

I was approved for a secured Discover card in XX/XX/XXXX with a security deposit of {$500.00}. I allowed Discover to draft the deposit using my routing and account number. After the probationary period, I was approved to graduate to a higher credit limit of {$2000.00} and have my {$500.00} security deposit refunded on XX/XX/XXXX. However, I did not receive the refund check. I contacted Discover in XX/XX/XXXX twice to find out where my refund check was. It was returned as undeliverable. My address has not changed. I have lived at the same address since XX/XX/XXXX. I provided them with my correct address again. I called again in mid-XX/XX/XXXX and spoke with a supervisor because I still had not received my refund check. I was told yet again that they would issue another check via US Mail, and I would have to wait 30-45 days to receive it. I called again on XX/XX/XXXX. I was advised that my check was mailed XX/XX/XXXX and that I needed to wait until another 30 days had passed before calling again. I have asked repeatedly and even offered to cover the shipping fee if they will just send it XXXX  or XXXX so I can have a tracking number. They said the only way they refund the security deposits is via check sent first class US Mail. I am seeking your assistance to receive the refund of the security deposit that I am entitled to. I am also seeking your assistance in changing this procedure because other customers are probably affected by it as well. 

Thank you
Consumer complaint received 2019-08-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (PA)

On XXXX XXXX I refinanced my House to pay off Debt. The mortgage was done with XXXX, ( Bankrupted XXXX ) The Closing company was with XXXX XXXX XXXX ( Bankrupt XXXX ) And the Title Insurance Company was XXXX XXXX XXXX ( Bankrupt XXXX ) Wells Fargo Home Mortgage who purchased the loan on XX/XX/XXXX and has serviced the loan until XX/XX/XXXX. I sold the House on that day and had found out that in XXXX I had paid to have outstanding debts paid for and settled to obtain this Mortgage. Satisfaction letters were never filed and were still open. I paid these debts which are shown on my Hud Statement. I  was able to obtain satisfaction letters for 2 of the 3 outstanding liens but the 3rd and largest for {$52000.00} to the House of XXXX XXXX has not been. ( Payoff Amount was {$25000.00} ) XXXX XXXX passed away in XXXX of XXXX. I am trying to find where the records of XXXX XXXX XXXX would be, who has possession of them? ( The closing company ) I need a copy of the canceled check to House of XXXX XXXX showing that it has been cashed and satisfied. More importantly if there is a Satisfaction letter in that file. My money is in Escrow and will remain there until I get this Satisfied. I was hoping that Wells Fargo would have the files and I could get a copy. I don't think they could find any of the files including my mortgage note .... Can you please help me with this matter??? I don't think that XXXX XXXX XXXX canceled checks and files would have been destroyed, but who has them????
Consumer complaint received 2020-05-04
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. (AZ)

I am mainly filing this complaint on XXXX, XXXX. XXXX, XXXX  has failed to follow the law according to FCRA requirements. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. XXXX  XXXX XXXX has failed to send the original signed consumer contract. If I have failed to get proper documentation how can XXXX, XXXX  say these accounts are verified and meet FCRA requirements. XXXX  has continually failed to comply with Section 609 ( a ) ( 1 ) ( A and has stopped me from attaining new credit with the erroneous accounts on my report. I have attached all corresponding mail from XXXX XXXX XXXX.
Consumer complaint received 2021-12-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (NY)

Ive tried to defer or forebarence my XXXX XXXXl loans thru Navient and I qualify for being unemployed they keep saying they havent gotten the documents correctly to prove and Ive sent them thru online and mail! Online verification does not work and they said my documents thru mail wernt identifiable! They keep saying Im late on my credit report and they are hurting my credit score! My XXXX loans are also being transferred to a new services in XXXX! I just want them to stop saying Im late every month on my credit report!
Consumer complaint received 2020-04-28
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: JPMORGAN CHASE & CO. (CA)

I AM VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND THEY PRETENDED TO BE ME AND THEY OPENED FRAUDULENT ACCOUNTS AND CHARGES. I HAVE REACHED OUT TO BOTH COMPANIES AND THEY HAVE NO PROOF TO PROVIDE TO ME WHO HAS OPENED THE FRAUDULENT ACCOUNTS.
Consumer complaint received 2020-10-07
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. (MA)

Dear US Dept of Edu/ Cfpb ; I'm not sure where to take this anymore, but for the last 3-4 months I been deliberately trying to reach out to the department of education , credit bureaus in regards to negative entries on my credit report and no one seems to help. It's been more than 90-120 days and the creditor, and the credit bureaus have both failed to report. It's impossible that these student loans were verified because it continues to report incomplete, inaccurate, erroneous information on my credit ; & it's basically an unverifiable account. Plus i have never gone to college or universities in the USA - These accounts as i stated before doesn't belong to me and i'm not liable for me. Also, after several research into this matter, through the ftc and cfpb website, i noticed that several student loan servicers were sued for mismanaging for not handling the accounts properly, and then falsely reporting information on an individual credit report.. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumers to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-04-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (ID)

On XX/XX/2020 I have opened Citi Bank account package by phone. It had an offer of giving {$500.00} signup bonus in case of depositing XXXX dollars within 30 days and maintaining money during 60 days ( {$400.00} bonus ), and also for direct deposit each months during two months ( {$100.00} bonus ). 

I correctly spelled my name and other credentials but Citi representative had made mistakes 1 ) In my 1st name he made mistakes in two ( 2 ) letters 2 ) In my email adding " f '' to my email address before @, so I could not receive important information I have discovered error 1 ) in the package of documents which Citi had sent to me shortly after account opening. As it was requested I had sent by mail W9 form, copy of my ID and signature card. This information was received by CitiBank as it was confirmed today ( XX/XX/XXXX ). When I found problem with my 1st name I immediately contacted Citi to fix the error, however it took few weeks to do so. I made direct deposit to my new Citi account and deposited {$15000.00} in proper time range to be qualified for bonus. 

During usage of my account I had found that it is blocked for any outcoming debits. I had not received any warning from Citi by mail or email about that. Spending several hours on phone I managed to find out that Citi needs copy of my ID and SSN to verify account. As it was sensitive information I requested Citi Bank to provide XXXX   form so I could upload my documents, however, I had never received this form to my email. After waiting hours on a phone me and Citi representative figured out that email in the Citi system was wrong. It was written incorrectly by Citi representative who opened account by phone for me. As a result today I was informed by Citi representative, whom I called to ask again about XXXX  form that Citi had not received my SSN and ID and going to close the account and return deposit by check. I do not agree with that, I have all the phone recordings with Citi representatives to prove that it was not my fault and Citi bank representatives also admitted this in phone conversations and apologized to me about that but were not able to help to keep my account package. I am old time Citi client, currently I have Citi bank credit card in same online banking as contains checking and saving Citi accounts.