davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer.
Consumer complaint received 2017-02-03
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Bread Financial Holdings, Inc. (TX)

Comenity Bank approved a XXXX XXXX VIsa card for me on XXXX/XXXX/2017. I had made online purchase at XXXX which was approved. I received the card and setup my online account/access. When I tried to use the card it was declined. I thought I did n't activate correctly so I activated it again via the online process. Both the online and voice status of the account indicates that the account is active ( as of XXXX/XXXX/2017 ). Tried to use it again and was declined. I called the bank again and spoke with a bank agent. They told me the account was closed but could n't give me a reason why it was closed. They said a letter was being sent. I finally received the letter from Comenity Bank and it said it was closed due to too many credit inquiries. The credit bureau referenced was different from the XXXX that they pull to approve my initial card application. When I received the card from them, there was no disclosure to what credit score or bureau was used to approve my account and determine the account APR. I have many other accounts with the bank with XXXX late payment history. I have a 3 year good payment history with the bank. In fact I have always paid any account balance in full upon receiving a statement from them. They should not have approved the account to begin with if they were going to turn around and close an approved account.
Consumer complaint received 2018-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ECMC GROUP, INC. (LA)

The student loan was through XXXX XXXX XXXX acct number ending XXXX. The account status says it is 120 past due. This account was turned over to a collection agency and has been paid off for 2 years now. I would like to have it removed from my credit report. The information supplied to XXXX by the following agencies are out of date or inaccurate. please fix
Consumer complaint received 2018-01-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (SC)

I sold an item thru XXXX that XXXX delivered to the wrong address. I tried to re-route the item to the buyer, but XXXX indicated my item was ineligible for that. I have maintained contact with the buyer the entire time. I explained to the buyer that once I received the item back, I would have it sent to them once again. They are fine with that. 

That said, the buyer ( for their protection and to document the issue ) filed a claim thru XXXX, which I understand. Since I am in contact with the buyer, and the buyer is in agreement with me, XXXX has not issued final resolution because they see that I am working with the buyer on it and have a perfect record with XXXX, but PayPal has decided to withdraw the funds from the account forcing a negative balance, as if the final resolution had been issued. 

Now, the issue this is causing, is I am now unable to use my PayPal account, because they are forcing me to pay the negative amount, as opposed to waiting for the final resolution from XXXX. I would have no issues paying the funds back if that were the case, but in this case, I have a serious issue with them playing judge, jury and executioner on an unresolved case.
Consumer complaint received 2018-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (PA)

XXXX 2017 - Customer Service Credit reps XXXX ( Employee ID  XXXX ) and XXXX refused to acknowledge the discrepancy in the credit card balance reporting being sent to me. I had proof that I was not receiving a past due amount for months but they refused to be of assistance. I disputed the payment with the card company, paid off all balances and closed my account since summer of last year. However, my credit score has been diminishing month over month for no apparent reason. I could n't believe that for {$12.00} ( which they claimed I was notified that I owed ), my credit score was affected by 50 points and service reps refused to do anything about that. This is cyber bullying they tried to threaten me that while they will be reducing my score even further because of the account closure, they will be checking my score again if it ever needed to be reactivated. The company knew they were wrong and refused to take responsibility. There is fraudulent activity on my account and I would like to understand why my score keeps diminishing. There is no other activity that comes to mind.
Consumer complaint received 2018-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

In XX/XX/XXXX of 2017 a XXXX XXXX XXXX I cosigner for was totaled. After insurance paid there portion XXXX XXXX still had a XXXX balance. But she this car was purchased directly from.XXXX we also purchased gap insurance. Which covers the difference between what is owed and what insurance paid for. XXXX XXXX has reported this account 120 delinquent and has now labeled it as a collection account and a chargenoff for there company which is highly inaaccurate.
Consumer complaint received 2018-01-13
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. (MO)

I have already dispted inquiries on my credit report with Equifax that I did not authorise and I keep getting the same response from them telling me I dont have to give consent. I have contacted the companies who are listed with each of these companies and they tell me it is up to the credit bureau to remove the inquiries. XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX I want those inquiries listed above removed immediately.

The responses I keep getting from Equifax is as follows : We have reviewed your complaint along with the information you previously provided regarding this issue. The inquiries listed on your credit report are a record of the companies that obtained your credit information. All inquiries remain on your credit report for two years. Credit information may be requested only for the following permissible purposes : credit transactions, employment consideration, review or collection of an existing account or other legitimate business need, insurance underwriting, government licensing, rental dwelling, or pursuant to a court order. Your written authorization may not be required to constitute permissible purpose. If you believe that an inquiry on your credit report was made without permissible purpose, then you may wish to contact the creditor directly, in writing, regarding its purpose. Please note that your specific consent to the release of your credit information is not necessary for a permissible purpose to exist.
Consumer complaint received 2018-01-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (GA)

On XXXX XXXX, I filed a claim with XXXX to dispute multiple transactions I paid to the same business. In total, I spent {$2500.00}. I never received the items. Paypal explained to me that I needed to dispute each item individually although there was a partial payment of the same invoice, however when I called back on XXXX XXXX to check the status of my claim I was informed that my claim had been closed because of this. According to the FCBA and PayPal 's policy, I am covered against deception, fraud, and unfair business practices. PayPal 's buyer protection program is a contractual agreement between all parties involved, yet PayPal has refused to honor their obligated agreements for this claim. I would like for all monies to be returned to me immediately and for this matter to be brought to the attention of President and CEO XXXX XXXX. I will be contacting him at XXXXXXXXXXXX I have also made a complaint against PayPal with the FTC. The transaction ID for this purchase is XXXX. Thank you for your time and consideration on this matter.
Consumer complaint received 2017-02-03
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC (MI)

Applied for mortgage with quicken loans went through process to underwriting. Under writing has problem with my wife who has disputed a bill in collection because she does n't owe the money and actually they owe her money as there should have been a credit on the account. It has been partially resolved but not fully. Quicken loans wants her to remove the dispute and recalculate her credit score which will put her bellow the banks overlay credit score of XXXX. This is a made up score by the bank as there is no minimum credit score required under the harp program. Since the bank required the removal of dispute we would be in agreement provided we could pay the outstanding amount since it is only XXXX dollars and then restore the credit. The bank refuses as they want the score to go down not up. That is how they can kill the loan so they do n't have to refinance us. All this for XXXX dollars.
Consumer complaint received 2017-03-05
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Advantage Financial Service LLC (Idaho) (ID)

In XX/XX/2016 my husband and I were closing on a home equity line of credit with our credit union. They mentioned that there was a negative item on our credit report and that it appeared to be a medical billing. I asked for a copy of the credit report ( s ), they were unwilling to provide a copy but did say that the collection agency was Advantage Financial. 

During the closing, the credit union loan officer said she might try to contact the collection people to see what she could find out. I told her that I would get in touch with the collection agency myself. 

I was quite surprised when the credit union later advised that they had contacted the collection agency and had forwarded money out of my Heloc account to pay off XXXX items in collections -- XXXX for my husband and XXXX for me. I immediately contacted the credit union and told them they had no verbal or written authorization from me to make that payment and to reverse it, which they did. 

I would like an explanation from Advantage Financial as to : All information disclosed to the loan officer at my credit union ( for example, were the names of the creditors released? ). 
How did the loan officer find out about a collection item for me that does not appear on mine or my husband 's credit report? 
How did the credit union find out the exact amounts due including current interest amounts? 
What authorization did the credit union provided to Advantage Financial for them to disclose my personal information?
Consumer complaint received 2017-02-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (TN)

i bought a house XX/XX/1981 and my mortgage has changed companies 10 or 12 times and i had nothing to do with any of them. now HFC has sold it again. i need some answers because I 'm through being the cash cow for this mortgage institute in America. I 've written and talked to HUD, the justice department, counselors and attorneys and all i got was smoke. people just do n't care about people. i hope this lead is more profitable. 
first, i started with a principal and interest mortgage. i thought i was getting an equity loan from HFC and it turned out to be something else. two or three months later I found out it was something else. they had changed my loan to what i called a credit card loan and would n't give me an amortization schedule. 
my first question is this. was that action within the laws of the mortgage laws of the state of Tennessee. please qualify your answer. 
my second question is this. is it legal for them to just pass a person 's mortgage around without giving them any paperwork on the transactions or getting any signatures on the transfer. again please qualify your answer. 
my last question is this. i can understand when a new company changes an account number but why does the same company continuously change a person 's account number. 
I have n't understood the way HFC has handled my account since i got it. i ca n't keep up with it. 
last, if this is the right place to get some qualified answers ; thank you. if not, point me to the XXXX of the mortgage industry in Tennessee.
Consumer complaint received 2018-01-13
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. (NJ)

Equifax refuses to remove these fraudulent accounts with these horrible collection agencies, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, off of my credit report. Ive notified Equifax multiple times those accounts are not mine. My information was stolen and used to open those accounts without my permission. Ive reported the same information to XXXX and they did their job and removed those fraudulent accounts off of my credit report. That 's real, true customer service with honor! I demand Equifax remove those accounts from my credit report immediately.
Consumer complaint received 2018-01-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NJ)

I opened an account with coinbase.Com and XXXX  XXXX XXXX XXXX is owned by coinbase. 
I believe I opened the account in XXXX or early XXXX, I wired XXXX XXXX dollars in XXXX transactions. 
With that I purchased XXXX bit coins, XXXX etheric and approximately XXXX light coins. 
That was on XXXX XXXX I first purchased XXXX bit coin and XXXX or XXXX light coin on coinbase I than sent another XXXX to XXXX XXXX wired to finish my purchases of which I still have approximately XXXX or XXXX in us dollars still availible in my XXXX XXXX account. 
On XXXX XXXX XXXX I tried going on to my accounts and it said contact coinbase something expired. 
I called the so called support and confirmed my account was frozen, with no explaination I was told I 'd be contacted by support by email, nothing came so I again called and go the same runaround support will contact me. 
So today XXXX XXXX XXXX I called again and was told the more I call the longer I will wait. 
I also received XXXX bit cash coins as bit coin split, my account value as of today is Approximately bit coin XXXX Ethereum. XXXX Light coin. XXXX Bit cash. XXXX Grand total. XXXX us dollar value I so annoyed I ca n't trade no explanation I 'm missing out on fluctuations
Consumer complaint received 2018-01-13
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: Exeter Finance, LLC. (AL)

This complaint is to remove multiple inquiries that I did not approve or initiate. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EXETER FIN XX/XX/XXXX AND XX/XX/XXXX
Consumer complaint received 2017-03-04
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MO)

i purchased a money order completely filled out and singned by me, it most have fell out of my purse and someone found it got it cashed at Fifth Third Bank the money order was made out to XXXX XXXX for my rent payment. They never received it so i called the XXXX number XXXX XXXX and it had been cashed at a Fifth Thidr Bank in XXXX Mo. and i purchased another money order for a finder fee of XXXX and it shoed that someone had crossed through the pay to the order of and wrote over it with the name of XXXX XXXX and also crossed over my name, the purchasher and wrote XXXX XXXX on that also. My copy i receiced back was cashed on XX/XX/2017. this money order had been forged and cashed and Not by Me.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-03-06
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (MA)

Sears credit card ( administered by Citibank XXXX ran a promotion promising 10 % back on purchases totaling up to {$800.00} per month at gas stations, grocery stores, and restaurants from XXXX through XXXX 2016. ( Email and letter describing terms will be attached. ) These credits have never been processed properly, despite my contacting customer service four separate times. My purchases in the relevant categories totaled {$630.00} in XXXX, {$540.00} in XXXX, and {$780.00} in XXXX, so I ought to have earned {$190.00}. At one point, I did get credited {$58.00} ( a number that corresponds to nothing so far as I can see ), but I 'm still short {$130.00}. ( Relevant statements will also be attached. ) Processing this promotion requires nothing more than simple arithmetic, but customer service just keeps saying -- four times, now -- that the problem will certainly be resolved by some certain date, at which point nothing happens, I call again, and they offer some other date. Last time, customer service tried to tell me I was complaining prematurely because two statement periods had n't yet passed ( they had ) and the problem was n't yet 8 weeks old ( it was in fact 9 weeks old ). Indeed, the people working for customer service seem wholly unfamiliar with the promotions their employer has offered, and continually misunderstand what account entries mean. For instance, Sears ran a similar promotion for XXXX and XXXX, and customer service never seems to grasp that credits for that promotion have nothing to do with my current complaint.
Consumer complaint received 2018-01-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (IN)

I 've had an account with Coinbase for many years. I have been fully verified for a long time with an account withdraw limit of {$100000.00} per week. Suddenly, on XXXX XXXX, I was no longer able to transfer from my cash balance to my bank. Specifically the error message says " Before you are able to complete this withdraw, you must provide additional information ''. Coinbase already has my passport, DL, SS, address, phone number, linked bank account, etc. and my account is fully verified. I tried reloading my Passport and then my DL. Even though I 'm fully verified, Coinbase 's automated system is requiring additional information, yet rejecting all the additional information I submit. I 've written daily since XXXX XXXX and somehow managed to get 2 different case numbers ( XXXX & XXXX ). Despite my 12 messages directly to Coinbase 's customer support, I 've gotten no reply. I also reached out to Coinbase via XXXX with 4 more messages several days ago. As did my wife with 2 more messages 2 days ago. There 's been no reply. 

I would like to be able to withdraw my money.
Consumer complaint received 2018-01-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Exeter Finance, LLC. (NY)

XXXX 2017 I purchased a car from XXXX XXXX in XXXX NY. I put the money down and drove the car for 3 weeks when XXXX XXXX decided they cancelled the loan. However I never received a letter to that effect. So I been driving the car but no finaning. Its insured and legal.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.