davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-20
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. (TN)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report.
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BARCLAYS BANK DELAWARE (NY)

I noticed that two credit cards were opened under my name in XX/XX/2018. I'm working with a financial counselor now to correct these mistakes as they negatively impacted my credit and I am now receiving statements regarding these debts. We filled out a report on Identitytheft.gov and contacted the credit bureau and creates a security freeze on my accounts. An account with XXXX is under my name now with a balance of XXXX and an account with Barclays with a balance of XXXX.
Consumer complaint received 2018-12-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (GA)

I am XXXX years old. I applied for a reverse mortgage with Wells Fargo Bank and they approved me. Shortly before closing they informed me they were getting out of the reverse mortgage business. I went on the open market and got approved again. Wells Fargo would not give a proper payoff amount and the reverse mortgage did not close. I applied and was approved by 2 other companies and again was not able to close due to a dispute over the amount owed.

I have applied for loan modifications on 8 times only to be denied. I have tried everything to save my home to no avail. I even sued Wells Fargo and the case went all the way to the U.S. Supreme Court, Washington, D.C. 
I simple want a reverse mortgage and to stay in my home. 
My loan # with Wells Fargo is XXXX.
Consumer complaint received 2020-05-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC (FL)

Through XXXX we initially sent a 10 % deposit on XX/XX/2019 for XXXX ( {$51000.00} ) to XXXX XXXX, Transaction No. XXXX. After a few weeks we were notified by XXXX XXXX XXXX ( Owner of the XXXX XXXX ) that the payment had not arrived. In order to secure the charter we sent an additional 10 % deposit to XXXX XXXX XXXX ( XXXX ) on XX/XX/2019 for XXXX ( {$51000.00} ). Both times the funds left our account and were held. After several weeks XXXX did receive both wires but they will not give us a refund for the second deposit. Under our contract, we are only required to pay a 10 % deposit though due to the duplicate payment 20 % has been submitted. We have reached out to XXXX  multiple times to get a refund but we have not been successful. Because it was XXXX 's institution that would not release the payment, we are now holding XXXX responsible for obtaining the funds and refunding us the XXXX. XXXX 's institution held the funds that we had approved to release without giving us a valid reason and we were forced to send a duplicate payment which has cost us XXXX ( {$51000.00} ).
Consumer complaint received 2018-12-11
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. (AL)

XXXX  XXXX XXXX XXXX incorrectly charged off my account. After contacting them they advised me to dispute the error with the credit bureaus. After disputing with the bureaus I was advised contact the original lender. The account is being negatively reported and both the lender and bureau Transunion and XXXX  are not willing to correct the issue.
Consumer complaint received 2018-01-25
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. (WA)

I have contacted all 3 credit bureaus regarding multiple credit inquiries on my credit reports that I did not authorize, but the agencies will not remove any of them!! This is hurting my credit tremendously for any credit that I may actually need!! They even put fraud alert on my credit reports after my initial complaint of unauthorized inquiries, but I am still getting multiple new credit inquiries weekly!! The few that I have applied for, the credit card companies have actually made me call in and answer questions that are from my bureau reports that only I should know the answer to. I would like all inquiries removed ASAP, as I am tired of calling and making disputes online with no success.
Consumer complaint received 2018-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

XXXX XXXX XXXX XXXX is reporting a 30-day late for XX/XX/2018 on my RV loan which is incorrect ( to all 3 credit agencies ). I my payment on XX/XX/XXXX for {$220.00} as I have each month, and received a payment confirmation number. 

XXXX XXXX XXXX XXXX reversed my payment later that day saying the account information was incorrect and did not notify me. The customer service representative I spoke with informed me this happens a lot with their system. They sent me a confirmation email for my payment 's success! I have my confirmation email I received, a screen shot of the payment and reversal if needed. This is severely affecting my credit. I have disputed with the credit bureaus and XXXX XXXX XXXX XXXX just confirms the missed payment info is correct. When I call they provide me with very little information and wont let me speak to anyone in that department specifically.
Consumer complaint received 2018-11-26
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (AL)

I initially had a {$100.00} starting balance and then got a credit increase to {$600.00}. On XX/XX/18 I had a balance of only {$15.00} and I paid the balance off and they closed my account after.
Consumer complaint received 2018-11-21
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. (WA)

XXXX XXXX XXXX XXXX is reporting a 30-day late for XX/XX/2018on my RV loan which is incorrect ( to all 3 credit agencies ). I my  payment on XX/XX/XXXX for {$220.00} as I have each month, and received a payment confirmation number. 

XXXX XXXX XXXX XXXX reversed my payment later that day saying the account information was incorrect and did not notify me. The customer service representative I spoke with informed me this happens a lot with their system. They sent me a confirmation email for my payment 's success! I have my confirmation email I received, a screen shot of the payment and reversal if needed. This is severely affecting my credit. I have disputed with the credit bureaus and XXXX XXXX XXXX XXXX just confirms the missed payment info is correct. When I call they provide me with very little information and wont let me speak to anyone in that department specifically.
Consumer complaint received 2018-11-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NC)

I was a victim of Hurricane Florence and my card issuer was aware of this information. They have taken away a chunk of my credit and because of this I am now showing as over the limit. They have also charged me a massive amount of interest and fees knowing that I was unable to make any payments due to being out of work. I have been with this company over 3 years and it just isn't right how this has happened to me.
Consumer complaint received 2018-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On Saturday XX/XX/XXXX I opened an account at a Bank of America branch and deposited a payroll check for {$14000.00}, withdrew {$4300.00} and deposited the {$10000.00} which the teller told me since the check was drawn from the same bank ( Bank of America ) that there was no hold but take one business day to clear.  Monday morning I find out that b of a is closing my account with out giving me a reason ok thats fine. Im requesting to withdraw my funds of {$10000.00} since they decided to close the account. They put a hold on the check thats already been partially paid to me until it clears and are telling me now its not going to clear until the XX/XX/XXXX. Why is it taking so long to clear a check they issued and originally told me would clear Tuesday XX/XX/20. I am XXXX and need the cash to move as well as help my father with XXXX XXXX and medicine. There is no fraud, no overdraft balance nothing that I did to cause this. I was advised by them when I took the check into the bank that I couldnt cash the check because of the amount was to high as a non customer and they had me open an account to cash the check and then two days later decided to close the account and hold my funds. If I would have known that was going to happen ( remember the teller told me no hold and by Tuesday midnight it would be in there cleared. ) I would have taken the check to my bank so the put me in this place essentially and are now holding my money on a fictitious reason.
Consumer complaint received 2018-11-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (SC)

Creditor is reporting accounts that are invalid and unverified. XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2018-11-21
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: Choice Recovery, Inc. (OH)

Choice Recovery is still reporting 4 individual derogatory remarks on my transunion credit report for XXXX XXXX XXXX. 
All 4 are from the same day for the same thing on XX/XX/XXXX. That is more than 6 years ago. My ChapterXXXX bankruptcy was discharged on XX/XX/XXXX. 
Also i thought there was legislation that passed in XXXX prohibiting medical from being reported.
Consumer complaint received 2018-11-20
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Ameritech Financial (MT)

Each Reminder email is to let me know a payment will be automatically deducted from my checking account on the XXXX of every month, and reminders were usually emailed on the XXXX of every month. In the XXXX   confirmation emails {$100.00} was deducted.
Consumer complaint received 2018-01-25
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. (WA)

I have contacted all 3 credit bureaus regarding multiple credit inquiries on my credit reports that I did not authorize, but the agencies will not remove any of them!! This is hurting my credit tremendously for any credit that I may actually need!! They even put fraud alert on my credit reports after my initial complaint of unauthorized inquiries, but I am still getting multiple new credit inquiries weekly!! The few that I have applied for, the credit card companies have actually made me call in and answer questions that are from my bureau reports that only I should know the answer to. I would like all inquiries removed ASAP, as I am tired of calling and making disputes online with no success.
Consumer complaint received 2020-05-14
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: DISCOVER BANK (MA)

I don't see late remark on payment history and payment status is current I do not know why this account is closed. Please help. 
DISCOVERBANK XXXX
Consumer complaint received 2018-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BMO Bank, N.A. (OR)

Hello, I previously had a credit card account with XXXX XXXX XXXXXXXX. XXXX XXXX closed my account, without providing a reason, about 2 years ago. I had paid the credit balance in full each month. According to my last statement, I had XXXX reward points in my account. XXXX XXXX advertises to this day that your points do not expire. However, when I recently tried to redeem those points, I was told that I only had 60 days from the date that they closed my account to transfer those points. No one from XXXX XXXX informed me of this when they closed my card. In fact, XXXX XXXX did not so much as call me to notify me that the card would be closed and what my options would be. As I understand it, they closed a lot of their U.S.-based cards at the same time, again without notice. 

The XXXX points is worth more than {$1000.00} when transferred to XXXX XXXX. It is grossly unfair, and I believe illegal, for XXXX XXXX  to make a profit from the transactions on my account, provide reward points in exchange, and when the point total becomes too large, cancel my card and recoup the unused points. All without any notice to me. I have contacted XXXX XXXX and spoken with both the rewards department as well as the customer service department, and they refuse to adjust my reward point balance. Please help in any way you can. 

Thank you.
Consumer complaint received 2018-11-09
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: EQUIFAX, INC. (TX)

There are 3 Hard inquires happened with out my consent. Seems, someone got my SSN details and misusing that in past 2 months. I reported this incident into police station in my area and they asked me to work with credit bureaus and banks to resolve this issue. 

I reported all credit bureaus and placed the freeze on my credit report. 

I reached out to XXXX and XXXX XXXX to dispute the hard inquiries. I am working with XXXX XXXX to remove hard inquiry entry. 

Please help me on preventing my SSN details from mis-use and advice banks to implement better security procedure and verification procedure. None of those transaction happened without my consent.
Consumer complaint received 2018-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

TransUnion has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX ****XXXX XXXX XXXX ****XXXX XXXX ****XXXX  XXXX ****XXXX XXXX XXXX XXXX XXXX XXXX ****XXXX XXXX XXXX XXXX XXXX XXXX ****XXXX {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ****XXXX  {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ****XXXX {$830.00} ****XXXX
Consumer complaint received 2020-05-14
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. (PA)

I submitted a dispute for the inquiries on my credit report. The inquiries were not removed, my credit score was not addressed and I have yet to hear from Equifax regarding my complaint. The inquiries have a negative impact to my credit score, therefore their removal should have a positive impact to my credit score, and should be done immediately.
Consumer complaint received 2018-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My name is XXXX XXXX. I recently was checking my credit report and discovered the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX. These addresses are incorrect.
Consumer complaint received 2018-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have written to both Experian and XXXX credit agencies to challenge the reporting and compliance of an open account that is reporting under a incomplete account number ( XXXX ). There are ( 2 ) accounts reported by XXXX XXXX with the same partial account number and the information that is reported is misleading. 

More specifically, I am referencing the fact that the information XXXX XXXX is reporting to both my Experian andXXXX files has an incomplete account name, an incomplete account number, an incorrect account type, inaccurate account balance, missing field description of terms, missing filed high balance, missing filed comments, incorrect past due balance dates reported for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2018. 

As per section 609 of the Fair Credit Reporting Act the CRA is required to report the entire account number and a 100 % accurate account information. Please remove this inaccurately reporting account from my ( 3 ) credit bureau files.
Consumer complaint received 2018-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MN)

I had a XXXX XXXX account that was opened XX/XX/XXXX. The account was closed XX/XX/XXXX. Because I never made payments on the account, I had a judgement against me. The judgement was satisfied after I made my final payment. XXXX XXXX, a representative from XXXX XXXX was over-seeing the account. After making my final payment in XX/XX/XXXX, he said that the information would be sent in the credit bureaus to update my report. I've been contacting Mr. XXXX since early this year ( XXXX ) to help with the corrections. Mr. XXXX then told me he didn't have any control of what would be updated with the bureaus. I contacted the 3 bureaus and they told me to contact XXXX XXXX. I contacted XXXX XXXX and they told me that they couldn't do anything about it. I've been experiencing the run arounds since XXXX of this year. I've contacted the Minnesota Attorney general 's office as well. I have yet to find help with this issue. The status on my credit report is not showing paid as it should be. It also shows that I still have a balance. I've written multiple letters to all 3 bureaus and nothing ever happened ( No response ). I've had the status to change on other items on my credit report accurately this year, but nothing has been done with the XXXX XXXX account.
Consumer complaint received 2018-11-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

They have been sending men out to our house at night to serve us papers. They act like a server and the ppwk is drawn up like federal superior court summons with my name verses the county and this company. When I call the courts there is no such thing in the system. They repeatedly come and knock on our door night after night. We have told them to not come back. We have told them we will call the police. They are using scare tactic and I consider it harassment not to mention its probably illegal. This has happened 5 times over the past 6-8 months.
Consumer complaint received 2018-11-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MA)

Hello and how are you? Listen, I was going through my credit again, and noticed several variations on the way this account is reporting on my credit file. How is it possible all the 3 major credit bureaus are reporting wrong date of last activity, wrong reporting date, wrong balance, etc? I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.