davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-20
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: Experian Information Solutions Inc. (VA)

I have been disputing this account which is not mine ( XXXX XXXX XXXX XXXX ) with Experian for over 7 months now and nothing being done. This account was removed from my XXXX and XXXX Credit reports because they done a real investigation and found out this account is fraudulent. The account being reported multiple times on my experian report at one time it was being reported as XXXX different accounts plus so much more and its very upsetting. I demand this account to be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and the XXXX breach and may have gotten into the hands of the wrong person..
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2020 I tried to update and correct information on my Credit Report through XXXX, Trans Union, and XXXX. Each attempt to update utilizing their online features were meet with errors and the inability to have my requests processed. I attempted to contact XXXX  by phone as their website stated the operating hours only to be greeted with an automated message that it closed 3 hours earlier than displaying the website. I attempted to provide documents via web upload and also to access my account on XXXX but the online access is not available. I am notifying you of the incidents as the Credit Reporting Agencies are making contacting and updating my personal information impossible. These agencies are not allowing for ease of use or contact and have created a severe obstacle when trying to even make contact with them. This way of conducting business with an individuals personal financial information and the long term affect they can impose on a person are disturbing and need to be corrected immediately. I am asking for assistance and would request your agency inquire into the practices that are currently in place that are keeping individuals from accessing and updating their personal financial history and information. If a company is presenting an online access but at each attempt states they are unavailable to process then the access is not offered they are simply presenting a fraudulent offering of service. Please do something to hold these business accountable for access and current information as well as granting ease of access to an individuals personal information for update and inquire. Thank you,
Consumer complaint received 2020-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On XX/XX/2020 I deposited 3 amounts, XXXX, XXXX, and XXXX. I had a positive balance in my account prior to making the deposits of XXXX as shown to me both on the web application for Citizens bank and the mobile application. I took screen shots of the mobile application. Two of the amounts were checks and did show on hold but appeared to credit my account on XX/XX/2020. I can show this in a screen shot as well. I had a positive ending balance on XX/XX/2020. I was charged overdraft fees on XX/XX/2020 of XXXX, 7 overdrafts at XXXX each. This caused my account to go negative and generated true overdraft transactions. I was then again charged overdraft fees for those transactions and then again today on the XXXX. At no time was my account negative where I was shown the reasoning for the overdrafts. It is deceptive practice fr Citizens Bank to have done this! I am now almost XXXX negative, XXXX that was caused by Citizens Bank and XXXX I do not have. I indicated to the that if they are seeing something different than I am on the front end application through the web or mobile then it is deceptive to the user, me. I want the charges reversed and the admittance of a mistake or a blatant misleading to the consumer. I understand if I was negative and charges went through that forced a negative balance but in this case it did not. And the overdraft charges are continuing to cause overdrafts. I called the Federal Trade Commission and they gave me your information. How can they do this to someone in this time with all that is going on? Did they think I wouldnt notice the positive balance in my checking account?? How can you cause someone to go XXXX negative??? 

I was part of a class action several years ago where Citizens did this type of thing to many people, it was determined as deceptive and many were awarded refunds. I received a refund of all the overdrafts for a period of time. 

I want the charges reversed. I did not cause this issue Citizens did, and charging me for something that was not an issue as far as I could see is not right.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2020-08-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

J.P Morgan Chase has withdrawn and is currently holding money from 4 bank  accounts. On XX/XX/2020, all of the accounts were froze and then subsequently closed XX/XX/2020 without any written notice or explanation of this. ( Checking Account, Joint Checking, Savings account, and my adult daughters custodial account ) We have called many times and visited local branches, but there has been no clear explanation. 


We have called Chase customer service, who directed me to Chase Loss Prevention ( XXXX ) many times, with no resolution. Eventually, my case was given to the executive office and assigned a Tracking # XXXX assigned to XXXX XXXX XXXX XXXX. 

From the clues that I have evaluated from my Chase interactions, it started with a deposit from Virginia un-employment deposit on XX/XX/2020 in the amount of {$12000.00}. 

Chase will not give explanation in writing. I was told Chase wanted proof that I was the person the meant to receive the deposit. I sent them a letter from VA UI department that verifies my approval of benefit. Now they are asking for verified endorsement of funds from VA UI department. Unfortunately, I am unable to reach anyone in VA UI. This action from Chase has caused real hardship in my family.
Consumer complaint received 2020-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (TX)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company Southwest Credit Systems. I did not open or authorize this account, and I request that it be closed immediately.I have never dealt with your company or the company that you represent.
Consumer complaint received 2020-09-21
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. (VA)

I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I do not have access to the documents related to these accounts, but the creditors would.
Consumer complaint received 2020-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (IL)

Hello! 
On XX/XX/2020 I had ordered a payoff letter from Selene Finance, as my home is being sold. I followed on XX/XX/2020 with the agent, and he said the payoff had been mailed, and he promised to email it to me as well. I just called Selene Finance, and I was routed to some representative 's voice mail. 
Please, help me to receive a payoff letter from Selene Finance as the closing is on XXXX 

Thank you XXXX XXXX
Consumer complaint received 2020-08-20
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc. (TX)

I moved from XXXX  to XXXX  after I graduated college, Nelnet did not have my updated email or address & I was unaware that my loans were due during the period that they have placed against my credit. From XXXX XXXX XX/XX/2019 they reported me past due on all 5 of the loans each month. This has severely hampered my credit. My parents signed me up for these loans and I was not fully aware of them, I did not know they were through Nelnet & was not notified since they never had my proper email or address. I hope that you guys can help me out and remove this from my credit score, or at least bundle all 5 loans into one so it doesnt hurt me as bad. It is hard enough having about {$90000.00} of student debt, but my life has been miserable due to this honest mistake. Please help me.
Consumer complaint received 2018-08-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WA)

Freedom Mortgage, In review documents related to this loan it has been found that Freedom Mortgage has failed to properly credit payments to the account in a timely manner and have a history of this, paired with the fact they failed to send out statements for the better part of XX/XX/XXXX ( >6months ) leaves to believe that as a company they are failing to properly record payments in a timely manner or provide the service you are required to. Freedom Mortgage has failed to properly credit payments in XX/XX/XXXX and now in XX/XX/XXXX where the check for payment has cleared my bank and they have received payment and failed credit the payment to the mortgage this is not acceptable.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Recently I looked a copy of my credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy Here is the Item I am asking you to verify as accurate XXXXXXXX XXXX ( XXXX )
Consumer complaint received 2020-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Omni Financial Corp. (FL)

am very affected by the cessation of activities produced by the Pandemic that paralyzed the world economy and our country in particular. 
I have a XXXX XXXX and I am the XXXX, XXXX XXXX  and woman in charge of the entire family group. 
I have had this account for more than five years, I have never failed in my commitments. I have been honored to go through all the difficulties. 2020 is an unprecedented year. 
In honor of the truth, I have taken the GRACE period that was a BENEFIT, granted by the Financial companies, the tools were mobilized so that I could not sustain the country 's economy, my XXXX XXXX is standing, while this last period ended, We analyzed with the first line of customer service the possibility of extending one more month, they denied me at a higher level this last possibility, always in charge of XXXX XXXX, my family giving the face with full credit responsibility to all calls and calling to see how I could solve. 
I was waiting for this analysis while they were analyzing the possibility of extending this grace period. This did not happen They denied me the benefit and only that day the QUOTA expired and the 30 days passed, where they reported me to the CREDIT BUREAU or else I would have paid it IN TERM by making the maximum sacrifices.
Consumer complaint received 2020-09-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

When we bought our house in XXXX, NJ on XX/XX/XXXX, we took out a mortgage with XXXX XXXX XXXX XXXX in the amount of {$53000.00}. 

The mortgage was sold to XXXX XXXX, and was discharged on XX/XX/XXXX when we refinanced. The discharge was recorded with the county clerk on XX/XX/XXXX, but was recorded incorrectly referencing the book and page number of the new mortgage that replaced it, instead of the old mortgage that was being discharged. 

XXXX XXXX was later acquired by Bank of America. 

When we sold our house in XXXX, the problem was discovered and the problem was reported to Bank of America 's on XX/XX/XXXX. 

In the meantime, we had to agree to place the proceeds from the sale of our home in an escrow account until the mortgage was properly discharged in order to close on the sale of our home. Not being able to access the home sale proceeds caused considerable hardship for us. 

Bank of America took until XX/XX/XXXX to determine that the original mortgaging company was out of business, and that they would have to get legal help to obtain the lien release. This was communicated to me in a letter on XX/XX/XXXX. 

It is now a year later, and there has been no movement with our case. There has been numerous respectful attempts to find out more about what is happening, but with little success. XXXX XXXX, a XXXX XXXX XXXX - Home Loans also tried to help find out more, and told me that the case had been escalated to her management. I was not able to get any further updates, and she stopped responding to my emails. 

I contacted the Superior Court of New Jersey to get an indication of how long cases generally took to get resolved, and was informed that the normal time for a motion to be heard was 1 month, so the delay does not seem to be due to waiting on the legal system.
Consumer complaint received 2022-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/22 I sent TD Bank a document with original instrument stating accept for value return for settlement on the remittence slip that was sent to me by TD banks. I have not gotten a response yet nor any update on the remittence slip. I also contacted the CFO stating in the letter to validate this alleged debt with bookkeeping entries stating that they had the funds to disburse or have balance set to {$0.00}.
Consumer complaint received 2020-09-22
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. (MA)

Good Morning! 

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Consumer complaint received 2020-08-20
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. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I've never heard from the place before, I suspected identity theft. Surprised there's a few derogatory items that I've never opened in my life. The things listed on my applications are not mine. XXXX XXXX, DEPTEDXXXX XXXX, XXXX XXXX AUTO, XXXX, ( Original Creditor : ). I have contacted the FTC and my local police and I am doing this all alone. Please remove these unknown items from my report : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, RXXXX XXXX ( XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX XXXX. XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-20
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: Resurgent Capital Services L.P. (TX)

I have viewed my credit report and see that A company by the name of LVNV FUNDING is reporting on my reports A debt owed to A company by the name of XXXX  XXXX. I have never ha any sort of account with XXXX   XXXX nor LVNV funding. I have reached out to both companies sending written letters advising them of this error reporting on my report. I also asked for proof that I owed this debt as I am 100 % sure I have never done business with either company. To dat I have not recieved A response from either company yet this incorrect information is still reporting.
Consumer complaint received 2020-09-21
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. (LA)

I SENT A LETTER OFF ON XX/XX/20220 TO XXXX XXXX XXXX WITH A ALLEGED BALANCE OF XXXX $ THAT I DO NOT OWE, AND ITS HAS PASS THE 30 DAYS ALLOWED BY LAW TO RESPOND.ON TRANSUNION, IT HASN'T NOT BEEN ACKNOWLEDGED '' MARKED AS DISPUTED BY CONSUMER '' THEREFORE IT IS A VIOLATION AND NEEDS TO BE DELETED BEFORE I CONSULT WITH AND ATTORNEY IN THIS MATTER.
Consumer complaint received 2023-07-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Beloved, I ask you to get in touch soon. It is a very serious fraud from Coinbase towards me. I am at my wits end and have lost all my money due to Coinbase Fraud. Despite hard and serious facts, it is difficult for the police here in the XXXX  to take action. 

My name is XXXX XXXX and I live in the XXXX. At the beginning of XXXX I met someone named XXXX. She advised me to invest in Coinbase. She said it was safe and easy. It started with small amounts until she started talking about Staking. After a deposit of XXXX USDT, both the customer service and this XXXX indicated to me that I had to deposit a minimum of XXXX USDT or I would lose my bet. 

After again transferring over XXXXUSDT to Coinbase Wallet, it was noticed that my money was being passed through Coinbase Wallet XXXX ( XXXX ) unsolicited. However, it didn't stop. Again I had to pay 20 % Tax to claim back the deposited money. However, this was sent to an external Wallet, but again from Coinbase Wallet. Then came the real blow and this is where the scam begins. Now, before XX/XX/XXXX, I have to verify exactly the deposited money of over XXXX USDT and verify my account with Coinbase Wallet otherwise I will lose everything. I would like to ask you to help me with this and recover my Money which was simply stolen by Coinbase. 

The police department consider Coinbase, XXXX and this XXXX works together. Coinbase paid this XXXX to get in touch with people and invest in Coinbase and after while then begins the Fraud.
Consumer complaint received 2020-08-20
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: Experian Information Solutions Inc. (SC)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. U.S. Bankruptcy Court XXXX XXXX XXXX XXXX {, XXXX XXXX XXXX, XXXX XXXX . I have contacted the FTC and my local police and I am doing this on my own behalf. XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, US SM BUS ADMIN ODA XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX   XXXX These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name
Consumer complaint received 2020-08-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

At the time of application I was given a closing date of XX/XX/2020. 
That date was 90 days from application for a rate and term refi with my present lender Wells Fargo. Since my original closing date wells has stated the loan was with their insurance review team, that they needed a subordination agreement for their own heloc, that their was a question regarding judgements? 
They have continually mislead me regarding closing on my loan. 
My wife and I-have XXXX cr scores, our DTI is very low, their was no appraisal needed for my property, the ltv is less than 70 percent, my payment Is dropping by XXXX dollars. We are immensely qualified, and yet they cant get the loan closed after 100 days. 
Ive requested my complaints be escalated yet no one contacts me. I have told Wells at this point I do not feel I should pay any discount or origination fees. 
I want the loan closed immediately. 
They continue to ask for more documentation. 
Please help ... they do nothing Thank You