davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-06
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: DISCOVER BANK (IN)

I have recently been trying to repair my credit situation. I have learned that the list of company or banks have put a hard inquiry on my credit. I know this inquiry to be false because the date and companies list below i have NO knowledge of applying or giving my consent to any of the below companies. I have been working in XXXX for the past few years and currently still here in XXXX. I 'm wanting to get these hard inquiries off my credit report. I have tried calling the companies with phone number listed. But I havent had much luck getting though by phone due to the remote area I 'm working in. 

please let me know if you can assist me with getting these item removed from my credit report. 


XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Banks and S & Ls XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (IL)

A credit card was opened in my name on XX/XX/2022. It was opened in my name under the Children 's Place/Comenity Bank XXXX I did not apply for credit with this company. There were Children 's clothes purchased on this account and were never delivered to my home address. I called the Children 's Place to inquire how this account was opened and why it was opened the first question they asked was my social security number and I hung up the phone. I have notified XXXX and XXXX and notified them of this incident. What else do I need to do? Comenity Bank started calling me at my place of employment. They got my son 's email address on the account however he did not open it. The reason we found out is that they sent him emails requesting to contact them as soon as possible. My son did some investigating concerning this company because there are many reports on the XXXX XXXX XXXX website concerning this Bank. Fraudulent credit cards are being opened and requesting payment of them. The XXXX XXXX XXXX has recognized pattern of complaints and have issued these alerts. 

Pattern of Complaint : XXXX  files indicate that this business has a pattern of complaints from a file review conducted on XX/XX/2022, utilizing complaints and reviews between XX/XX/2022 to XX/XX/2022. 

Their communications allege : 1. Billing inaccuracies-failure to post payments to accounts in total or within an acceptable amount of time, failure to post credits from returns, no resolution to fraud cases causing consumers to be responsible to fraudulent activity and interest/late fees, continued billing for interest and late fees for accounts that are closed, and loss of rewards/cash back amounts due to consumers. 
2. Customer service deficiencies-Extreme wait times to speak to a representative and lack of response or lack of resolution to issues. 
3. Inaccurate reporting to credit bureaus-reporting balances on accounts that have been paid/closed and lack of reporting when balances are paid. 

On XX/XX/2022XXXX XXXX informed the company of these issues in writing, with a follow up sent on XX/XX/2022. The business has not replied. 

Please contact me if you need further information. 
Please see the following attachments
Consumer complaint received 2018-01-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (FL)

I received a copy of my credit report today and there is an account on there from this company. I contacted the company and spoke to someone named XXXX ( I believe. He said his name really fast one time and would not repeat it after that ). He advised that they account is from XXXX in the amount of over {$1500.00}! I have NEVER done any business with XXXX nor have I signed any contract the XXXX  XXXX. I have been a customer of XXXX XXXX XXXX since 2005. I told the rep that the account does not belong to me and I need verification of the debt and which he proceeded to ask for payment. I declined the payment and the rep disconnected the call while I was still speaking. The account does NOT belong to me and I demand that it is removed from my credit report immediately!!!
Consumer complaint received 2023-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (SC)

I have been with my mortgage company, XXXX XXXX XXXXDovenmuehle for over two years with NEVER missing or having a late payment. My interest rate is fixed at 2.875 % and will mature on XXXX The reason for this compliant is that is there is an error with my escrow account. As I informed you, I have never missed a payment or been late But my escrow account is a mess. I did change insurance companies briefly in XXXX but went back to my initial insurance company, sent XXXX the escrow payment of {$940.00} in XX/XX/XXXX which out my escrow account where is should be. XXXXXXXX XXXX has gone up from {$750.00} to {$870.00} because they claim there is a escrow shortage based on a forecast of my home insurance that has NOT gone up nor have my State taxes gone up. My Insurance company Rep called and received the same run-around. I have been on the phone all week, and none of the staff there can fix the issue or explain their process of forecasting. They increase my mortgage WITHOUT receiving the new home insurance policy that begins in XX/XX/XXXX???? I was told by multiple staff that my mortgage will go up every year??? I can understand that if State taxes or Home insurance goes up, yes a small increase will take place but not {$170.00}. I need help with this issue. I work 2 jobs, a XXXX XXXX  with a household of XXXX. 
Thank you XXXX XXXX
Consumer complaint received 2018-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AP)

I paid my Capital One cards to XXXX, they accepted payment then put my account on restriction, Im currently XXXX overseas, I contacted them and was told my accounts were closed. They would not give me any other reason or explanation. I carried a high balance due to a lenghty and expensive divorce, as soon as I was in a financial position to pay them to XXXX balance, I did. I thought I would improve my credit score, they have closed my accounts which has now damaged my scores. I paid on time and was never late. I have also had vehicles financed through them, which I paid on time and was never late. Closing my accounts without warning or reason is bad business in my opinion.
Consumer complaint received 2018-01-06
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc. (MS)

I HAVE CONTACTED XXXX SEVERAL TIMES ABOUT THE INACCURACY OF THE STUDENT LOAN THAT ARE REPORTING AND THE ACCOUNTS THAT ARE NOT MINE!!! I HAVE SENT THEM NUMEROUS OF CERTIFIED LETTERS WITH ALL THE INFORMATION THEY ASKED FOR TO VERIFY THAT ITS NOT MINE AND THEY STILL REFUSE TO REMOVE THE INFORMATION!! I SENT MY ID, SSC, BANK STATEMENTS,, ETC. AND STILL NO RESOLVE. I SENT LETTER AFTER LETTER STARING FROM YEARS AGO WHEN THE FIRST ACCOUNTS WAS REVEALED AND THEN I SENT LETTERS IN XXXX AND AGAIN IN XXXX AND STILL NOTHING. I JUST DID N'T KNOW WHAT ELSE TO DO UNTIL I HEARD ABOUT CONSUMER FINANCIAL PROTECTION BUREAU.
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (VA)

Per the Federal Service Desk Request and as it pertains to inaccurate public record information surrounding the address of XXXX XXXX XXXX XXXX, VA XXXX. This address is registered to XXXX XXXX XXXX and the only business that should be identified with this address is " XXXX XXXX by XXXX '' from XX/XX/XXXX-XX/XX/XXXX.
Consumer complaint received 2018-01-06
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. (OH)

I have unauthorized inquiries on my report that TransUnion failed to remove after dispute sent on XX/XX/XXXX	These were not authorized inquiries XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX/XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-01-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

On XXXX XXXX and XXXX XXXX I conducted a Bank Wire Withdrawal with Coinbase App. Coinbase did not imform me they were having delays with their Bank Wire option and charged me a service fee of {$25.00} for each Bank Wire. 

On their website it states bank wires are immediate or 1-2 business days unless submitted after XXXX. Well its XXXX XXXX now and I still have not received my monies from them. I have communicated with them VIA phone call. After hour long hold, they did not give me an estimate on when I will have my funds released to me from them. I have opened to escalation tickets and no replies from them. I have even tried getting their attention on XXXX and no replies back on the matter. 

I am waiting for {$570.00} in total. When I first spoke to a Coinbase representative on XXXX XXXX they stated that the only thing they can do is escalade the matter. I requested a refund of the two {$25.00} wire service fees but was denied. The second time I called on XXXX XXXX They told me they are having small delays and I should have my monies soon but could not give be a solid estimation. On their website by time it stated they are having 1-10 business day delays on wire withdrawals. The third time I called I got the same information, they do n't know when they will have the monies in my bank as promised before. 

Its been 20 business day Coinbase has not paid my monies.
Consumer complaint received 2018-01-06
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: American Credit Acceptance, LLC (WA)

On XX/XX/XXXX I pulled my credit report and I found that American Credit Acceptance had filed a derogatory report on it. OnXX/XX/XXXX I called them to look into the problem and they said I had ton file a form on line. ON XX/XX/XXXX the car in question had been destroyed in an accident and it was not my fault. the car was deemed totaled the insurance company. On XX/XX/XXXX they were paid off and they also had gap insuranceto cover any gaps as far as pay off. I want them to remove this from my credit report but they refuse.
Consumer complaint received 2018-01-06
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. (GA)

I am writing regarding a release tax lien that is being reported on my Transunion credit report as docket number XXXX for XXXX.the lien has been released since XX/XX/XXXX. I have made efforts with filing  numerous investigations and disputes online, by phone in efforts to have this inaccurate information removed with Transunion, and it came back as accurate. Under the new law effective XXXX XXXX every public record must include name/address/Ssn/dob in order for it to appear on your credit file. Transunion refuses update their information and per the new law regarding tax lien the reported information does not comply with the new law and should be deleted off of my credit report. I have exhausted all efforts In resolving this  issue with Transunion as my outline regarding the law has gone ignored. Please help.
Consumer complaint received 2018-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

Capital One does not allow their account to be accessed through third-party services that advocate for their customers to help reduce costs and hold companies accountable to their own policies. I have a right to this service and to fair representation.
Consumer complaint received 2023-01-18
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: AES/PHEAA (PA)

I have a total of 7 loans through PHEAA /Fed Loan Servicing totaling {$32.00}, XXXX these accounts were closed and transferred to XXXX XXXX XXXX XXXX The same loans are being reported by XXXX XXXX and PHEAA, the last delinquency on these accounts was in XXXX, and in XXXX they were transferred to XXXX XXXX  The total amount of student loans that should be listed o my credit report should be {$62000.00} and not {$94000.00}. If this is not corrected, I will take this matter to the state representative office and contact a lawyer. 

*** The amount of " NOT '' be listed on my credit report for {$32000.00} for these 7 accounts have been transferred to XXXX XXXX for servicing. 

Both XXXX XXXX and PHEAA Loan are reporting the same loans and that is illegal to report the same accounts twice to the credit reporting agencies. 
ic Please remove PHEAA ( FedLoan Servicing Center ) from my credit report file. Please see the attached documents,
Consumer complaint received 2017-07-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

At the time this debt was incurred, I was on XXXX and also State of Georgia XXXX Medicaid. The original creditor must not have filed a claim with Medicaid for payment. A medicaid patient is NOT liable to pay out of pocket, can not be billed balances, and can not be turned over to collections or held responsible for balances. My Medicaid number at the time was XXXX.
Consumer complaint received 2018-01-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO Bank, N.A. (FL)

I opened a Smart Advantage checking account with BMO Harris on XX/XX/XXXX. The account advertised a {$200.00} Bonus if I had 2 Direct Deposits, each $ 300+, post within 90 days of account opening. I made these direct deposits, as well as returned my signature card, and complied with all other requirements of the checking account. There were no monthly fees and no minimum balances associated with the account. On XX/XX/XXXX, I inquired via eChat about the status of my bonus. I was informed that my account was closed on XX/XX/XXXX, without consent from me or even any communication from BMO Harris on its intentions to close the account. I asked to reopen the account and receive my bonus. Both requests were denied. I have attached a PDF picture of my account status, a quicken format of all account transactions, and a script of the eChat between BMO Harris and myself concerning the account status.
Consumer complaint received 2018-01-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Strategic Alliances, Inc. (CA)

XXXX XXXX XXXX XXXX ( XXXX ) was collecting from XXXX Insurance and from me. XXXX paid everything except for the deductible amount which was {$1000.00}. XXXX explained that the fees and loss of rental income were requested as a standard practice but were not paid by the insurance or by me. When XXXX XXXX XXXX XXXX contacted me, the representative informed me that their client ( major US car rental agency ) received payment from XXXX but that my payment ( my insurance deductible ) was the only payment outstanding. We discussed the fees and loss of rental income and the XXXX XXXX XXXX XXXX representative explained the same as the XXXX rep ', those fees were not recoverable and their client was happy to let them go. I paid the {$1000.00} ( XX/XX/XXXX ) Today XX/XX/XXXX I received a call from XXXX XXXX XXXX XXXX, the representative said there was bad news and asked for {$620.00}. The rep ' said that amount was outstanding and that I owed. I reminded the rep ' that my situation was handled by insurance and that any outstanding balance other than deductible, was paid by my insurance. The XXXX rep ' got agitated and loud with me, eventually after shouting for a while, he hung up on me. I called XXXX and they confirmed that everything was paid. They even called XXXX and were told that the account was closed. I believe they are trying to scam me.
Consumer complaint received 2018-01-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (GA)

I have been battling this issue, and others, with Navient for several months. Ive submitted several complaints through their ombudsman and advocate office, as well as three CFPB complaints. One of the cases ( XXXX ) was documented as duplicate. None of my complaints have been resolved yet theyve been marked as closed. Part of my last complaint was regarding a fraudulent loan. While Im fighting the fraud issue, Im still trying to keep the loan from becoming increasingly delinquent. Upon submitting financial information for myself and my mother who is the co-signer, I was placed in a payment program. In the first three months of the program, I had to submit another complaint due to a manager deciding I was no longer eligible for the program, regardless of my XXXX status. The advocates office got involved again. They discontinued the payments and placed my accounts in an administrative hold status. While I was working on the medical documentation required for my XXXX request, my mother received a call from Navient about the loan defaulting. I called the person back and he stated one of the loans had now defaulted due to no payments being made and its been reported to the credit bureaus as a charge off. I made it explicitly clear this information was not accurate. After ending the call I reached out to the advocates office to find out what was happening as none of this made any sense. Approximately 2 weeks later, I was informed that the loan is now in the Navient recovery office for default but that a payment arrangement could be made and the interest reduced to nearly 0 %. Ive reached out to this recovery office but have yet to speak to the person who is said to be the account manager. This cant be legal. This account had three payments made, via the required ACH process. The loan was then on an administrative hold. So I dont understand how they are now able to say no payments were ever made and have subsequently charged the loan off. Not only is this loan included in my current request for the Borrowers Defense Act against XXXX XXXX, its also the loan Im fighting for fraudulently being processed. Its also the same loan Ive submitted complaints to your office about, including written and voice-recorded documentation. Theyve now severely ruined my mothers credit and mine and if this complaint is addressed in the same manner as my previous complaints, allowing things to progress to the present status Im facing, they will get away with multiple illegal actions.
Consumer complaint received 2023-01-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2018-01-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CO)

On XXXX XXXX, XXXX, our mortgage was reinstated through the trustee. We are still getting hang-up calls from the mortgage company, and have contacted their attorney after calling about being able to make the XXXX payment. The representative said we were still being foreclosed on, and hung up yet again. We spoke with the Mortgage company 's attorney, who said the case has been closed since the XXXX of XXXX, and that we were good, so why are we still having these problems with this awful mortgage company? AMERIHOME Mortgage Company is the most disorganized XXXX show I have ever seen. We are still waiting for them to fix payments that were " LOST ''. We almost lost our home because of this company who bought out our mortgage, and to top it off, some guy comes to our house today to do an appraisal, which we turned down, from some bank in NJ. Why are laws not being followed? Why does this company have no regard for business practices, ethics, laws, and integrity? And lastly, why is no one doing anything about this horrible company? Not to mention that they have illegally had our house for sale for 74 days now. Proof XXXX XXXX XXXXXXXX