davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: BARCLAYS BANK DELAWARE (HI)

I have one line of credit, a Barclay 's credit card since XXXX. I spend {$1000.00} or more a month and always pay my monthly balance. My credit score in the past has always been high. In XX/XX/XXXX I disputed a transaction. Barclay 's told me several times at the time of the dispute and recently the dispute would not affect my credit score. There seems to be no end in sight in resolving the dispute, as it has been 3 months with no update. 

Recently I ran into car problems and found myself needing a new car. Thinking my credit was good, I went to the dealer and was shocked to find out I have no credit score or no history to score on when a report was ran. I then went to 2 other banks, went through the process of getting an auto loan, and was told the same thing. I ran a report on XXXX myself, and I have no score. There is a comment on the report for my Barclay 's credit card that says " account in dispute '' and " no transaction history ''. I spend about $ XXXX {$20000.00} a year on my credit card and this is completely false. This has caused me much hardship and forced me to get a loan at a higher interest rate. I'm also looking to become a first time home owner and I have ZERO faith that my Barclay 's credit card will do anything to help my credit. I have tried to call all the available Barclay 's departments I can reach from and was told to write a letter to the Barclays FCRA Credit Bureau Dispute. The department I wrote to does not answer phone calls and only accepts letters. The Barclay 's department I spoke to on the phone can only confirm that Barclay 's does report my credit score, but could not confirm if it was being reported properly.
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PENTAGON FEDERAL CREDIT UNION (FL)

{$2500.00} payment made to pay off expired {$2200.00} promotion during the XX/XX/2023 Billing Cycle was *malapportioned* to pay Promo expiring XXXX {$700.00} + Promo expiring XXXX {$940.00} = {$1600.00}. 

The XXXX billing cycle had CLOSED at XXXX XXXX XXXX XXXX and the XXXX statement had been PUBLISHED. I was LOOKING AT THE PUBLISHED XX/XX/2023 STATEMENT when I made the {$2500.00} payment at approximately XXXX XXXX XXXX XXXX as PROVED by the {$2500.00} payment posting on the XXXX BILLING CYCLE STATEMENT published XXXX and made available at approximately XXXX XXXX XXXX on XXXX. 

My payment was made AFTER the XXXX billing cycle had closed and the statement published as per the instructions given to me by PenFed Customer Service Supervisors on previous similar issues to avoid these MALAPPORTIONED PAYMENTS.

Yet, PenFed insists that my XXXX payment was in the XX/XX/2023 billing cycle when their own Credit Card Statement clearly shows it was made in the XXXX Billing Cycle XXXX : XXXX so they apportioned my {$2500.00} payment among all promotions including interest-free promotions not expiring until XXXX & XXXX leaving me with an interest bearing balance of {$1600.00}. All other interest-bearing amounts were paid in full every month. PenFed Customer Service initially stated that the malapportionment was in error and would be fixed but that I would have to wait until the next statement to see the change. However, every month I got the same story from PenFed Customer Service with changing excuses but the malapportioned {$2500.00} payment was never corrected. 

I have filed XXXX  complaint against PenFed but they have only given further excuses for making the error and have thus far refused to correct the issue. PenFed Credit Department has since retaliated against me by sending me a notification that all three of my PenFed Credit Cards ' interest rates will be increased to the *Penalty APR* of 17.99 %. This was done even though both my wife and I have maintained and have ExceptionaXXXX XXXX Scores well over XXXX. No explanation was given for the increase to Penalty Rates.
Consumer complaint received 2023-12-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2023 I sent a check to XXXX XXXX XXXX for {$17000.00} and mailed it at the XXXX XXXX, Florida, XXXX XXXX. On XX/XX/2023, Wells Fargo deducted the money out of my account clearing a check made out to XXXX XXXX XXXX but endorsed by someone named XXXX XXXX. On XX/XX/2023, XXXX credit card informed us that we had not paid their latest invoice and cancelled all our charges. When we checked with our Wells Fargo account online we discovered that they had mistakenly paid someone other than XXXX XXXX XXXX. I immediately contacted Wells Fargo fraud line on the phone and informed them. They gave me a case number. I have called the fraud department a dozen times and asked for updates as to when we can expect the return of our money and have never heard back from them once. I went to my branch manager and told him to find out what happened and he said it could be resolved in a few days or NEVER. I have spoken to Wells Fargo complaint department and they now say that another bank cashed this check in error and they have to recover the money from them before we can EVER get our money back. I have reported this to the police in XXXX XXXX and they also say that they will investigate but there's nothing they can do. In the last two months no one from Wells Fargo will return my phone calls except one person in the 'complaint ' department and she says that there is nothing she can do-nothing any of her managers will do either. I don't understand how it is possible for a bank to mistakenly pay the wrong person and then penalize the bank client that trusted the bank not to do that.
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: PENTAGON FEDERAL CREDIT UNION (MA)

In XX/XX/2020, I spoke to Pentagon Federal Credit Union customer service regarding my financial, health, and employment situation. As per card conditions, I had credit card debt protection insurance which I had been paying for, for over XXXX years. Before the closure and subsequent charge-off of the credit card account, I had requested to activate the same. However, to my surprise, the account was charged off and closed with an outstanding balance that did not reflect my insurance benefits claim payment. I made several attempts to contact the bank following my medical recovery. And neither received nor failed to respond to any PenFed Credit Union Bank communication regarding my account. Instead, the account was sold off to a third party suing me for the outstanding balance that was in contention in the first place. 

Additionally, I had my wife ( next of kin ) contact PenFed credit union bank as I was unwell and admitted with life-threatening COVID in XX/XX/2020. The purpose of the calls was to request that the account benefits be activated while in the hospital. However, customer service insisted on speaking to the account owner. 

Moreover, whereas other creditors considered the XXXX pandemic and could waive account administration charges, interest charges, and fees attributable to the pandemic in good faith, PenFed ensured to pile all those charges and fees, therefore inflating the account balance. For after that, it was charged off and closed. No remedy was provided ; instead, I received court documents suing me for the outstanding debt. PenFed credit union always assured me the issue would be resolved, but to my surprise, the account was charged off. More confusing is my credit report, which shows that the outstanding balance was settled and therefore did not need further action on my side.
Consumer complaint received 2024-01-19
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Was only suppose to be a XXXX deposit as advertised on XXXX XXXX but they want XXXX for a XXXX line of credit that is funded by me per 12 usc 412 as Im holding the approval letter in my hand it say a XXXX deposit is require by names like you your and all these names that arent mine but want me to assume liability when the contract was breached by capital on since the begging Ive gave my name date of birth account number that they opened the account with for the credit and telling me my deposit requires another deposit when my first deposit was a asset on the banks books so how am I having to keep providing funding and havent receive any consideration only capital One acting As an authority over my account extorting deposits but my credit application. Funded it which the approval makes it clear so I need the card that Im approved for or the application back one or the other OR YOUR RESTRAINING MY LIVELIHOOD BY WAY OF THEFT WILLINGLY AND KNOWINGLY REMOVE THE UNAUTHORIZED USE FROM MY CONSUMER REPORT RETURN MY APPLICATION AND IF YOU CANT mail a check out for XXXX for use of my property I need to be justly compensated using my Name likeness and other identifying features to transact in treason tax evading and identity stealing irs already been alerted with the XXXX and XXXX so be ready to show them accounts receivables and payables im the only one who signed the contract so Im the only one who has rights to amend it to my favor so i need it back for review and revision
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-02-22
Product: Debt collection — Rental debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: HW Holding, Inc (CA)

The company- XXXX XXXX- continues to contact me after asking to not be contacted. They call me 2-3 times a day, sometimes 5 days a week. They have refused to validate the debt as well as refused to correct any information on the account. I sent in a letter asking for debt validation, requesting settlement and even asked for corrections to the debt for accuracy. They are falsely charging interest on a rental debt despite my contract and Washington state law preventing it. They also have incorrect information and refused any documentation to update and resolve the issues. It has caused tremendous stress because they refuse to listen, threaten you with lawsuits and constantly tell you you're lying when discussing the situation. It is horrendous. I have sent in letters via mail, email and even tried discussing over the phone. I was called a liar and then continued to have my phone called in what felt like a robocall fashion.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS (TX)

XX/XX/ i applied for employment at a hotel that required consumer report to be procure well upon procurement i went from having a definite cook position to being told they could not have people like me Working at their business and I was confused until I received the adverse letter in the mail and it was due to old information like arrest records multiple names multiple addresses just all of my information that Ive ever been a part of and I dont recall Lexis nexis in any of my business dealings but yet here they are taking food off my table and upon noticing them via postal service they return the same generic letter stating cant complete request as if they dont comprehend what disputes mean they are selling non credit related transactions to agencies like XXXX XXXX and XXXX as well as potential employers not even paying any consideration for accuracy or regards to a person likeness and character as its all just profit obviously for them procuring free public information about private non public matters in detrimental unfair and gross negligence with brute aggravated identity theft and is being asked to cease and desist furnish inaccurate adversely not in favor of the consumer
Consumer complaint received 2023-08-14
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. (MD)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-05-22
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. (MI)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Equifax has failed in its Duties to correct and update information. In an ordinary course of business, I furnace information to one or more consumer reporting agencies about my transaction experience as a consumer and furnished a consumer reporting agencys information that determined the information is not complete or inaccurate by notifying the consumer reporting agency and providing to the agencies any correction to the information or any additional information that is necessary to make the information I provided to the agency complete accurately and should not after that furnace to the agency any of the information that remains not completed or accurate. 

The XXXX XXXX Information was disputed with all agencies. The data was sent to the Data furnisher and only corrected and updated on my XXXX and XXXX. XXXX failed to correct and update my credit report which is in clear violation of the FCRA. 
The Information on my credit report still shows two late payments of 30 days late for XX/XX/2018 and XX/XX/2018. Therefore, I'm reinvestigating this account asking Equifax to please update and correct
Consumer complaint received 2024-02-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NY)

I need Marcus to call me on XXXX to unlock my account and complete my fund transfer. 

My account has been locked for over 2 months and I have tried all the ways to unlock my account ( providing the correct information- my name, date of birth, secret word, AOI, social security number ) and called them 50+ times for over 10 hours to unlock my account. It still does not work. 

They say they will call me and email me and I did not receive any phone call or email. Are they calling on the updated number XXXX or the old number XXXX? Marcus by GS please call me on XXXX ASAP to unlock my account and complete my transfer.
Consumer complaint received 2024-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (MD)

Please see the attached documents and documentation. I have been trying to obtain this information with no success. Nationstar XXXX Mr. Cooper keeps flagging my payments as late with the different credit bureaus impacting my credit score for many years. ( XXXX XXXX XXXX XXXX I am sure that you are aware of the Fair Debt Protection Act. 
I have the right to request validation of this XXXX XXXX. 
According to my mortgage, there is a strong possibility that there is some fraud that took place in this regard. The main problem in the contract is that I have not been provided any proof that there was a loan granted. There is no financial XXXX XXXX. 

Now according to the Promise to Pay/Promissory Note, there was allegedly a check issued for {$310000.00} to cover the cost of the loan, however, I later found out that the Promissory Note was the Instrument that paid off the home. 
According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX The moment that I signed the Application/Settlement Documents, they take your XXXX XXXX transaction is monetized behind your back. 

That Promissory Note pays off the house. The house was paid off within the first 45 days of me signing the XXXX and or XXXX XXXX.
Consumer complaint received 2024-01-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

XXXX XXXX XXXX keeps stealing my assets. XXXX, XXXX, XXXX. Coinbase was taken over in 2021 and XXXX been complacent since. No home, money, phone. 
All I can do is pray I get some financial help do to this situation.
Consumer complaint received 2023-02-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Solar Mosaic LLC (FL)

A representative of Mosaic and XXXX XXXX came to my house and sold me a solar system in XX/XX/2022. The system was never activated and did not receive permission to operate from the utility and was not set up for inspection. I am now paying a mortgage on a non-existent solar system. 

This is now in breach of contract. As Mosaic does not disburse funds to the contractor until there is permission to operate from the utility ( see attached contract ). 

XXXX XXXX has gone bankrupt and no longer exists. 

Ive attached the part of the contract that states there should be no payment until there is clearance to operate from the utility. 

The following is the portion of the contract that shows I should not be making payments, even though they are being drafted from my account monthly. 

The Loan Start Date is sublect to change. The Loan Start Date will be tinalized and accuratelv retlectec in the Loan Closing Certificate. which will be sent to You following our first disbursement of loan proceed : to Your Installation Contractor ( or sent directly to the equipment manufacturer if directed to do so by the Installation Contractor ). The Loan Closing Certificate is fully incorporated hereir The estimated Loan Start Date assumes the Contractor completes installation and the " Install Complete Disbursement '' is made within 180 days from the date of You are prequalified for a loan. The actual Loa Start Date will be the date that we first disburse loan proceeds to Your Contractor. That date will be showi on the Loan closing certiticate we send to You. 
The estimated First Payment Date assumes You will begin making payments 3 months after the Loan Star Date. You mav actually begin making pavments on the earlier of 3 months after the Loan Start Date or 15 days after XXXX XXXX XXXX. its assignees. agents. representatives. or approved loan servicer : confirms Permission to Operate from Your utility company. Interest on this loan begins to accrue from the first disbursement and is calculated on the outstanding principa balance. as described in Section 3ic ). You can begin making pavments at anv time You choose after the Loan Start Date We may re-review Your application if it looks like the Loan Start Date will not occur within 180 days. This can happen if Your Contractor is not able to make sufficient progress during Your 180-day approval period for the Loan start Date to occur. If we re-review Your application. we will request a new credit report from the credit bureaus. to make sure that You continue to meet the requirements for loan approval. This may impact Your credit score.
Consumer complaint received 2024-02-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC (TN)

There is a debt collection company by the name of DEBT RECOVERY SOLUTIONS reporting an alleged debt on my consumer reports. I, XXXX XXXX am unfamiliar with this debt. I was not given enough information regarding this debt, and I was not given the opportunity to dispute this alleged debt. The debt collection company is ruining my reputation per 15 USC 1692d ( 1 ) parking this alleged debt on my consumer report with all three consumer reporting agencies. This company is also giving off implications that they may be an attorney. A violation of 15 USC 1692e3. This company is also not licensed to collect in the state of Tennessee. A violation of Tennessee Code 62-20-105. This is abusive deceptive behavior. This company also has a name that indicates that they are in the debt collection business. This is a violation per 15 USC 1692f ( 8 ).
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. Account XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (TX)

They are mistaken me for a d/b/a putting XXXX loans and XXXX support on my report Im a man not a business I hold the name as trustee an and only work in interest for the beneficiaries in a private unincorporated living trust you guys need to fix your error with the mistaken identity as its causing financial hardship how ima be in all those places at one time? Negligent noncompliance is the cause of action ; action being negligent gross the most and now I have proof two different people and Im harmed And whomever those papers for in XXXX XXXX Im in XXXX so how do they have my social? And I keep telling yall its not mines as you can see fraud accounts keep coming up even with a locked account just learnt that from XXXX who tells me Im the mail They need more verification for my own file they letting everyone but me have access to been denied personal credit amd I see why now yall XXXX someone XXXX me out but give me a hard time about my own.