davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (MO)

I am requesting that the following accounts and inquiries be removed from my credit report immediately. These accounts do not belong to me and I did not authorize the follow inquires/creditors to obtain a copy of my credit report. 

XXXX XXXX XXXX XXXX XXXX/XXXX XXXX IN Last reported : XX/XX/XXXX {$7600.00} Good XXXX  Last reported : XX/XX/XXXX {$990.00} Good XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$780.00} 30-59 Days Late XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$670.00} 30-59 Days Late XXXX/XXXX XXXXNeeds Attention Last reported : XX/XX/XXXX {$560.00} 30-59 Days Late XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$540.00} 30-59 Days Late XXXX XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$450.00} 30-59 Days Late XXXX/XXXX XXXX Last reported : XX/XX/XXXX {$280.00} Good XXXX/XXXX Last reported : XX/XX/XXXX {$240.00} Good XXXX/XXXX Last reported :XX/XX/XXXX Other Loans : XXXX XXXX XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$8400.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$7200.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$6000.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$5300.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$4500.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$4300.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$3100.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$3000.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$2200.00} Good XXXX XXXX/XXXX Last reported : XX/XX/XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Lease Date Opened XX/XX/XXXX Account Status Open Payment Status Past due 60 days Status Updated XX/XX/XXXX Usage - Balance {$5200.00} Balance Updated XX/XX/XXXX Original Balance {$5300.00} Monthly Payment {$160.00} Past Due Amount {$520.00} Highest Balance - Terms 32 Months Responsibility Individual {$2000.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$2000.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX Closed Account : XXXX XXXX {$140.00} Credit inquires : XXXX/XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX/XXXX Inquiry from XX/XX/XXXX Personal Loans Cos.

XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2018-01-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Bread Financial Holdings, Inc. (PA)

XXXX/XXXX/2018 I attempted to use my personal credit line with them to send a payment and they denied it even though I had the credit with them. They said it was for security reasons and could not over ride it. They would give me no reason why and why I can not use it.
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. (TX)

This company below posted a collection account on my credit report prior to contacting me or giving me an opportunity to dispute by law I have 30 days to dispute. By law the collection company is required to send notification of debt. 
This is the three company trying to collect on this debt. 

XXXX XXXX XXXX {$470.00}
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

On XX/XX/2023 I received an email from XXXX XXXX XXXX Department of Education stating that my Student Loans have been forgiven and that all XXXX Credit Bureaus would be notified on my student loan forgiveness. 

As of this date, my credit reports still have not updated my accounts to reflect the information and I have filed disputes only for them to be returned as verified ; which is not true. 

The attached invoice shows the accounts PAID IN FULL.
Consumer complaint received 2021-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (IL)

On XX/XX/XXXX I filed a complaint with the Consumer financial protection bureau regarding incorrect reporting in my credit report. XXXX has not yet finished my Dispute with Wells 's Fargo. However as of XX/XX/XXXX my credit score has decreased from XXXX to now XXXX in less than one month after my file dispute. Nothing in my credit report has changed and my payment history is currently exceptional with no missed payments or new hard inquiry. The only missed payments are the incorrect data from Wells Fargo back in XXXX which is currently unchanged or corrected regarding my dispute with XXXX. How can my credit report decrease 71 points when nothing has changed with my credit report? The other credit reporting agency 's credit score has not changed regarding my dispute with Well 's fargo that is much higher than my recent decreased credit score with XXXX.The previous dispute information is below with attachments. I made Payments On the loan on XXXX and XX/XX/XXXX and Wells Fargo reported it as late non payments which is false. XX/XX/XXXX Wells Fargo Sold/Paid off the loan when I was current on my Monthly payments ( Exhibit A ). Wells Fargo never informed me that the loan was sold/paid off but instead filed foreclosure on a home loan they no longer had possession of which is fraudulent. Im Disputing and requesting the Loan payments on my credit report from Wells Fargo to be removed from the dates XX/XX/XXXX to XX/XX/XXXX from my credit report. Wells Fargo dismissed the foreclosure case in XX/XX/XXXX when admitting an error regarding foreclosure and payment history. Then I was given a release of mortgage which was given to me regarding my home mortgage account with Wells Fargo. When the Release of Mortgage should have been giving to me back in XXXX not XXXX. This false information by Wells Fargo is adversely affecting my credit report. Wells ' Fargo have committed fraud with account. 

I also became aware of and informed that Well 's Fargo paid a settlement regarding this account on my behalf to my former Attorney. However my name was forged on documents, and settlement money was collected from Well 's Fargo on my behalf. My former Attorney asked me to sign one single document for one thing in the case, and my signature was attached to other future documents without my knowledge or consent.

My former attorney never informed me of a money settlement with Well 's Fargo and kept all the settlement funds for himself. Despite me paying my former Attorney monthly payments to handle my case with Well 's Fargo and XXXX XXXX XXXX XXXX XXXX. However Nothing was done in the XXXX XXXX XXXX XXXX XXXX case and he only worked on the Well 's Fargo case keeping all the settlement money from well 's Fargo which is fraud scam.
Consumer complaint received 2018-01-25
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC. (IN)

We finished our three year lease with Ally Financial in XX/XX/XXXX. Throughout the course of the lease I was frustrated with Ally 's billing statements. It seemed that I was perpetually late! Even after I sent in payments in the exact amount listed on statements mailed to my home, I was always shocked to find that there was an outstanding late fee from months before that was now compounding in additional late fee charges. We have had several home and auto loans. Ally was by far the worse financial institution to deal with. Needless to say, we were happy to be finished with our leasing agreement with them. We were disappointed to receive a letter from Ally on XX/XX/XXXX telling that we owed {$1000.00} in excess wear charges. They sent pictures of the " so-called '' damages which appeared to be no damages at all. We told Ally that we were disputing the charges and agreed to only pay for a small dimple dent on the hood of the vehicle that Ally was charging {$240.00} to repair. Ally refused. I filed a complaint with the FTC ref. number XXXX as well as the Better Business Bureau Serving XXXX Michigan and the Office of the Attorney General Consumer Protection Division ref. number XXXX. We jumped through every hoop Ally asked of us however after their " internal '' review of the case ( they had to review because of my BBB complaint ) they stood by their {$1000.00} charge. We were forced to contact a lawyer. Not because we could n't afford the charge but rather because a company should not be allowed to take advantage of customers and bully them into paying for fictitious wear and tear charges. We informed Ally that we had contacted a lawyer. In the process they sent us to a collection agency. My husband and my credit score has dropped 100 points because of Ally Financial. Our lawyer sent a letter to the collection agency and we recently settled with Ally for half of the {$1000.00} charge. Something we could have done back in XX/XX/XXXX if Ally! I was informed by the Collection Agency that Ally is the only one who can take the complaint off of our credit report. This is what I do n't understand! Ally Financial has a BBB overall rating of F, they are NOT accredited by the BBB because of their poor business practices. Of the 136 customer reviews of Ally, 133 were negative, that 's a 98 % negative customer rating! https : XXXX How can a company with a F rating have any authority to ruin a customer 's credit score for 7 years. I do n't know what our recourse is. I just know that something MORE has to be done to watchdog companies from customer bullying. And there has to be negative consequences for companies with a F rating.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I was a victim of inquiry fraud and transunion is failing to remove these inquires off of my report I called and explained the situation that did not help. 

. 
XXXX XXXX XXXX. XXXX, XXXX 2. 
XXXX XXXX XXXX XX/XX/XXXX 3. 
XXXX National Credit Cards/Airlines XX/XX/XXXX 4. 
XXXX Bank XX/XX/XXXX 5. 
XXXX XXXX Bank XX/XX/XXXX 6. 
XXXX Utilities & Fuel XX/XX/XXXX 7. 
XXXX Finance XX/XX/XXXX 8. 
XXXX National Credit Cards/Airlines XX/XX/XXXX 9. 
XXXX XXXX Bank XX/XX/XXXX 10. 
XXXX XXXX Bank XX/XX/XXXX
Consumer complaint received 2018-01-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

I have been defrauded by Coinbase ... 
On XXXX XXXX 2017 I sent them a {$30000.00} wire which five days later I received an email from them stating that the wire would be reversed because it came from my business account and not my personal account. A week after I still had n't received the wire so I sent an email to Coinbase support team and they took exactly one month to respond! The response basically states that due to high volume of outgoing wires, my wire may have been delayed, however, all backlogged wires have since been sent and they are closing my case! As of today I still have not received the wire ... Its been a month and a half! I am not sure what else to do as there is no one to talk to with their company and ZERO support. I am begging you for your assistance. I want to know I did n't lose my {$30000.00}. Please respond, update me, or reverse the wire already as promised! I NEED this money and I NEED IT ASAP! I want to file a lawsuit but not sure which attorney to contact. If you are aware of a pending class action, please let me know. Thank you CFPB!
Consumer complaint received 2023-10-09
Product: Credit reporting 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. (NJ)

I don't want this on my credit history because these accounts are negative for me and are not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-14
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: PNB INTERNATIONAL INVESTMENTS CORPORATION (CA)

My complaint about this online remittance company  ( PNBWEBREMIT.COM )  is that they do not send a proof of delivery that would tell their customers that they actually sent the money. Also, they make it impossible for their customers to cancel a transaction.   Here are the details : I sent some money through https : //www.pnbwebremit.com o n  XX/XX/XXXX  .   Within an hour, I realized I had to cancel my transaction. I got the run-around. I called the number on their website (  XXXX  ) which directed me to another phone number. Then, upon reaching Customer Service, they said they could only cancel if I sent them an email. I sent an email to  three e mail addresses :   XXXX   XXXX   XXXX  ,  XXXX  XXXX  XXXX  and  XXXX  XXXX  XXXX . I received an out-of-office email fro m three emails . It 's been over 48 hours and they have not responded. Meanwhile, the money is underway and I could not cancel   the transaction.
To resolve my complaint and protect the US consumers, please require this company https : //www.pnbwebremit.com which appears to exist only online, to provide proof of delivery of the    money. Also, please require them to have a method to cancel financial transactions. Please require them also to display their email address and respond w ithin 8 hours. If it is so easy for them to take the consumers ' money online, they should make it easy for their cu stomers to retrieve their money.   To resolve this issue with PNBWEBREMIT.COM, I would like them to give me proof of delivery for each money transfer I have made during the years   XX/XX/XXXX and  XX/XX/XXXX .    Thank you very much.
Consumer complaint received 2018-01-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (NC)

In XX/XX/XXXX we paid off a mortgage loan with Chase bank. The mortgage loan was secured by property into adjacent counties. Chase bank release the lien in one county,  XXXX, but not in XXXX County. After we received a contract for sale on this property we were informed by the closing attorney that there was an outstanding lien with Chase. I contacted them on XX/XX/XXXX And have made numerous phone calls since then and still can not get them to release the lien in XXXX county. The closing on our sale was yesterday, and it is on indefinite hold until this is resolved.
Consumer complaint received 2018-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Student Loan Care, LLC (PA)

In XXXX of 2016, Student Loan Care , LLC, contacted me via phone and claimed to have a relationship with the Department of Education and that they would take over my loans with XXXX XXXX XXXX and that I would pay them. XXXX XXXX and XXXX XXXX misinformed and misconstrued the nature of what Student Loan Care , LLC actually was. They said they could lower my payment, they would consolidate my loans, and have them forgiven. They never once stated that they simply were a paid paper filer doing a job that I was already doing for free. I was completely taken advantage of from the representatives, XXXX XXXX and XXXX XXXX, and told out right lies. For the past year, I was told I was making payments towards my student loan, not towards a service to have Student Loan Care , LLC submit papers for me at the cost of {$1400.00}. Student Loan Care , LLC is a scam and is taking advantage of students with extreme student loan debt who are seeking relief. They have messed up my loans with XXXX XXXX XXXX and have fraudulently collected money from me via their partnership with XXXX XXXX. I am contacting my bank and reporting fraud, contacting the attorney state general, and the credit bureaus about wrongfully and deceivingly taking my information.
Consumer complaint received 2018-01-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (PA)

On XX/XX/XXXX I spoke with a paralegal rep by the name of XXXX @ XXXX XXXX XXXX XXXX XXXX ATTORNEY AT LAW XXXX XXXX XXXX, XXXX, NJ XXXX Office # ( XXXX ) XXXX Toll Free Fax : ( XXXX ) XXXX or ( XXXX ) XXXX I ask this ( ( XXXX ) ), why in fact I have not received ALL payments receipts nor any kind of notifications from this collection agency sinceXX/XX/XXXX & that the last notification was from Attorney XXXX XXXX which is a copy of the letter to the Courts of canceling/withdraw our court date XX/XX/XXXX @ Mag. Dist No : XXXX, MDJ Name : Honorable XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX tele : ( XXXX ) XXXX .. in which I was being sued from XXXX XXXX XXXX XXXX XXXX the matter of their client : XXXX XXXX XXXX vs. XXXX a/k /a XXXX XXXX XXXX XXXX XXXX XXXX XXXX whom I have trouble with in the past year has been rude and totally disrespectful as to my many complaints to this firm simply hung up on me and I call right back and requested the same and which to receive so with the help of CFPB please.. as to the fact that I am up to date with payment to this collection agency and I have no payment record keeping of my own as proof of all payment from this firm ..keep in mind if the firm follows policy of their own we will not have to trouble one another in the future this is not right as I was told I would property review a bill in the mail with the due date and balance of record from this collection agency .. 
Question : HOW AM I TO KNOW WHAT I HAVE PAID AND HOW MUCH IS OWED IF THIS FIRM DOES NOT GIVE ME PROOF AS PROMISED.. 
IF THEY CAN TAKE MY PAYMENTS ON A MONTHLY BASE THEY NEED TO SEND AND HONOR MY REQUEST ASAP.., AS THIS IS LAW.. AND MY RIGHT.. 
this is in their records and this is my formal request as to I will NOT make anymore payments to this collection agency cause I will move forward and dispute the entire debt collections as to their default on their agreement... 

Docket No : XXXX Case Filed : XX/XX/XXXX XXXXXXXX XXXX XXXX File #, Account # or Docket # ( ( ( XXXX ) ) ) XXXX XXXX XXXX XXXX XXXX : ( ( ( XXXX XXXX XXXX a/k/a XXXX ) )
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I pulled my credit file and I have noticed a few unauthorized activities that have taken place. The accounts that I have marked are inaccurate and have obviously been altered. I do not identify origination dates on those accounts, nor authorized any of the accounts listed below. My credit was injured vastly without my consent, no authorization to obtain money, goods, credit, loans, or services. Neither did I receive any benefit from this horrific situation. I am willing to work with the authorities. Someone has clearly been using my information since. I have filed a consumer complaint with the Federal Trade Commission XXXX. I WILL ALSO FAX AFFIDAVIT AND WANT THIS ERROR GONE WITH IN XXXX AS DICTATED BY FCRA.
Consumer complaint received 2018-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I tried to deposit check into account on XX/XX/XXXX ... ATM stated hold til XX/XX/2018. Upon waiting for check to clear BOA stated they were closing my bank account without notice I inquired as to why their response was my check was fraudulent and could n't be verified bank check was issued from XXXX XXXX XXXXXXXX in which XXXX XXXX XXXX XXXX XXXX gave me the check. I was able to call to verify check thru XXXX XXXX XXXXXXXX. After back n forth calls with BOA they still have n't told me what happens to my money NIR have they stated when I was to receive me funds. I 've lost a lot of gas patience bills are backed up and I dont know what to do.
Consumer complaint received 2018-01-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

I sent a wire transfer of {$5000.00} to Coinbase onXX/XX/XXXX. They reversed the wire three days later (XX/XX/XXXX ) due to a name mismatch. The money never made it back to my account. I sent several emails, one 7 days after the notice, another one after 14 days, and recently one after 16 days. All I got in response is " Hi XXXX, Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. '' They have still not reversed the wire. I called their bank and they said the money is in Coinbase 's  account. As of now I have still not received my money back.
Consumer complaint received 2018-01-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

I have had accounts opened in my name with banks. One of these accounts is with XXXX XXXX. I called them several times last XX/XX/XXXX to notify them of this account being fraud but they have not yet closed the account and are letting further fraudulent use of these account to occur.
Consumer complaint received 2018-01-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Army and Air Force Exchange Service (WA)

In XX/XX/XXXX i obtained my credit report and found several incorrect information. Among these were the account listed with XXXX XXXX credit card. In late XX/XX/XXXX i sent a letter to all three credit bureaus requesting a letter of validation of debt. Neither one responded. Late XXXX i sent in a second letter of validation, which i have verification that they all received my second letter on the XX/XX/XXXX. Neither one has responded. XXXX XXXX has threatened to garnish my federal tax refund for a debt i did not approve, make, or do. They have not validated this debt. My information has been compromised and they have yet to prove that I am legally responsible for this debt. I get several calls from them DAILY!!!! I have spoken to a woman in the fraud department, XXXX, and her response was to email the fraud department. I emailed the fraud department and i have yet to receive a response. This has caused an emotional stress on my health dealing with this company. No one can give me answers why and how my information was stolen to open this credit card, yet they can call, harass me and threaten me.
Consumer complaint received 2021-07-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MA)

I am extremely upset that the credit bureaus have not responded back to me yet about my investigation. I need these accounts that dont belong to me to be deleted from my credit report as soon as possible. It has been over 45 days and I still have not heard anything.