davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
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: AMERICAN EXPRESS COMPANY (NJ)

All companies have yet to correct the inquiries reporting negatively on my credit profile! They must be removed immediately thank you! 

AMEX 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 Type of Business Date of inquiry Credit Bureau Bank Credit Cards XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Mortgage Companies - Finance XX/XX/XXXX XXXX Credit Bureaus/Mortgage Processing Credit Unions Auto Financing Miscellaneous Finance Auto Dealers , Used Auto Financing Auto Financing Auto Dealers , Used Auto Dealers , New Auto Loans Auto Financing XXXX XXXX Bank Credit Cards  XXXX XXXX XXXX Auto Dealers , XXXX XXXX XXXX XXXX Auto Dealers , XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TN)

Last XXXX I consolidated and filed for XXXX because under the waiver I have over XXXX qualifying payments. The history of all the nonsense with XXXX  XXXX is laid out in my previous complaint. I was transferred to MOHELA in XXXX - XXXX XX/XX/XXXX the ombudsman named XXXX told me they can request that my forgiveness be escalated because I met all the criteria and had been waiting so long. XXXX, with the Department of Education, advised me to file a new form with MOHELA instead of relying on the transferred form, as sometimes there were issues with those, AND it would get XXXX more payments certified by my employer ( even though I don't need them, as I am well over the XXXX - started with the federal govt in XXXX and still working the same qualifying job ). On XX/XX/XXXX I followed this advice and submitted the new XXXX form to MOHELA. Not seeing it, the next day I panicked and submitted a duplicate form. I called Mohela and the rep told me it was fine, that the second one would be deleted as a duplicate and not to worry. On XX/XX/XXXX I called Mohela because BOTH the non-duplicate and the duplicate forms were marked as duplicate and not processed! XXXX at Mohela changed the first one to processing again instead of duplicate, but told me there was no way to expedite and that I would have to wait all over again for XXXX business days for it to process even though I had already waited and this was their error! It isn't right to put me at the back of the line, again. I have been waiting almost a year now for forgiveness. I have tried to get a supervisor on the phone and have had to give up waiting on XX/XX/XXXX for over XXXX hours, XX/XX/XXXX for over XXXX hours, and XX/XX/XXXX I was on hold for a supervisor for over XXXX hours ( I have screenshots ). The trainee at MOHELA told me I could email to speak with a supervisor, but I pulled up what she suggested and there was NOWHERE on the site where you could email to request a supervisor call you, in spite of what their actual rep told me. So my complaints are that my forgiveness should be expedited bc this was their error in marking it a duplicate AND that their reps are dishonest ( probably unknowingly ) in telling you to email a supervisor because you literally can't - you can not get XXXX on the phone nor by email.
Consumer complaint received 2024-03-27
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-05-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (SC)

Ive been seeking validation for the derogatory item reported to my credit report since XX/XX/2021 and the debt collector has failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Consumer complaint received 2022-11-30
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. (IL)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2021 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (MS)

I opened a Venmo account and verified my identity right away. My uncle sent me some money to help with my rent. He sent the money as product and services but later that day contacted Venmo to ask it be changed to the friends or family method. I also contacted Venmo to change it so I could have access to the funds. Venmo replied back with an email telling me I violated the ToS and that I can no longer use the service and have to wait 180 days to get my money. It's the only transaction on my account. Because Venmo did this I have been evicted from my home. I did nothing wrong for them to do this and the domino effect it had on me was devistating.
Consumer complaint received 2017-05-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MA)

I am trying to work with Wells Fargo on a  short sale process, I have a buyer and we are attempting to negotiate an agreed upon value to move toward scheduling a closing date. This is all being pursued with a pending Foreclosu re Sale Dat e of  XXXX / XXXX  /2017.      The first complaint is an unwillingne ss of Wells Fargo  to adjust the pending foreclosure sale date in order to allow proper negotiation in good faith.     The second complaint is a general lack of cooperation by  Wells Fargo  in negotiating an agreed sale price in good faith. I have a buyer, an offer and counter offer has been submitted alone with pictures and estimates of work that would need to be done on the property which supports the counter offer. It has taken nearly  three weeks to get a response from Wells Fargo. The original offer was {$990000.00}, Wells Fargo  countered with {>= $1,000,000} and then my buyer countered with {>= $1,000,000} along with the documentation of work to be done, supporting that price. They are now saying the " valuation dispute '' has been denied but the {>= $1,000,000 } may s till be accepted??? and they want to know if that is our final offer. This makes no sense as the " valuation dispute '' and " the counter offer '' are  XXXX  in the same.     A continuation of years of struggling with how  Wells Fargo operates and the lack of sincere intere st in reaching resolution.     It should be noted that this short sale effort is being pursued only after a VERY lengthy and painful process of struggling to work wit h Wells Fargo over MANY  years. This long and troubling process is related to previous concerns about the underlying documentation of this mortgage. This is a  WELLS FARGO  MORTGAGE BACKED SECURITY LOAN which has numerous issues associated with it 's history and the mortgages proper conveyance. Such as issues relating to the need of mortgage loans to be transferred to a related trust within 90 days from closing and other subsequent transfers which cause the validity of the underlying mortgage to be questioned.     In an effort to move on from this concern, due to an ongoing divorce proceeding, the short sale process has been embraced. At this point in time that process has developed into a new and troubling concern.     Please advise.
Consumer complaint received 2018-01-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

I have wired XXXX on XX/XX/2017 to Coinbase. Still have not see money deposite to my Coinbase account. I have email to them many times. Feel those reply is by computer. Not real person. Msg to Coinbase employees XXXX on rebbit, no reply. I create case # XXXX I have they will solve this problem ASAP.
Consumer complaint received 2018-10-11
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: ERC (OH)

these accounts do not belong to me. I have never opened the account and have had my paychecks garnished and be harassed by phone call for over 3 yrs.. I never opened this account and I will file complaints with XXXX and other agencies and will file for damages up to {$1000.00}
Consumer complaint received 2017-05-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: RMB, Inc. (AL)

I checked my  XXXX  Credit report and I seen this company pop up as a open  account RMB INC with Huntsville Hospital it states that I owe money and it made my credit score drop it was reported not just once but 3 times on my credit report with only  XXXX  of them stat ed that it was included in Bankruptcy but the other  XXXX  was not reported in bankruptcy. I attempted to contact the company  two  times with no results I even left messages on Friday  XXXX  the  XXXX    XXXX   at  XXXX  in the morning they transferred me to the manager no answer and I left a message for him to contact me. I waited nothing I called back on Saturday  XXXX   XXXX  left a message no reply. I contacted my lawyer and legal charges will be filed if they do n't removed this off my credit report
Consumer complaint received 2022-11-17
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: Experian Information Solutions Inc. (TX)

IN ACORDANCE WITH THE FAIR CREDIT CREIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALLY UNDER 15USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THEY HAVE ALL VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : Its also states that a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-09
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIRST NATIONAL BANK OF OMAHA (IL)

I received a credit alert about an inquiry on my credit report on XX/XX/XXXX. Additionally, I received a call from FNB Omaha Fraud department inquiring about a new account. 
When I called in, I was told someone opened an account at a XXXXXXXX XXXX XXXX XXXX with my information on XX/XX/XXXX. Name and address matched. Phone number and mother 's maiden name did NOT match. 
XXXX charges were made to the account same day - one inside XXXX 's and XXXX at XXXX XXXX 
FNB Omaha has already marked the charges as fraudulent and started an investigation, as well as closing the account and setting a Password on it. 
I was not given the exact amounts of the XXXX transactions. 
I am concerned as I was told that opening an account IN STORE requires an ID, not just my information.
Consumer complaint received 2023-02-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AZ)

I have contacted Shellpoint ( Newrez ) several times regarding my homeowners insurance on loan XXXX. They refuse to pay my homeowners insurance to travelers insurance policy # XXXX. Now it has expired, and shellpoint is fraudulently charging my escrow account for overpriced insurance that they purchased for me. Shellpoint refuses to address this issue and I have wasted hours on the phone with them trying to get them to do their job which is to pay my travelers homeowners insurance. I want a refund on the fraudulent overpriced insurance charges placed on my escrow account.
Consumer complaint received 2023-05-24
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XXXX has place derogatory account reporting on my credit profile from XXXX XXXX Bank Address : XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX Dated : XX/XX/2023 Account number : XXXX
Consumer complaint received 2023-05-24
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: CAPITAL ONE FINANCIAL CORPORATION (DE)

I currently have this account under investigation this company is not following the CFPB rule and Guidelines, Truth In Lending Act rules and Guidelines, The U.S.Codes and or Del Law under Title 6. They have Committed fraud willingly and knowingly with XXXX XXXX XXXX. Attached are what they have done in depth. As this account is under investigation/ dispute this company is still reporting to the CRA and are still sending me Fraudulent Statements. This company disclosed nothing to me. This company has no License to do business in my state ( DE ). They are not backed by any government agency in the USA.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX - XX/XX/2023 XXXX XXXX - XX/XX/2023 XXXX XXXX - XX/XX/2023
Consumer complaint received 2023-01-09
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. (IN)

I have a XXXX Bank credit card that is reporting my account is XXXX days late on the XXXX credit bureaus on XX/XX/XXXX. I have proof of a cashed check for {$300.00} on XX/XX/XXXX. XXXX. XXXX Bank has thru caused my credit score to drop over XXXX points due to their error. I have requested this matter to be properly updated and still nothing.
Consumer complaint received 2023-04-06
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: Experian Information Solutions Inc. (MD)

A third party shared my personal information with Experian regarding a civil matter without my express authorization. Therefore, Experian and this unknown party are involved in Identity theft. According to 15 USC 1681 section 602 states, I have the right to privacy. 

15 USC 1681b permissible purpose section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions Please have Experian remove the bankruptcy.
Consumer complaint received 2017-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo stole {$1200.00} from my checking account and then they intentionally DELETED  the transaction from my bank statement and online banking.    Wells Fargo com mitted bank fraud by deleting the stolen {$1200.00} transactions on my account.   I have the bank statements showing the transaction was DELETED.   They tried to cover their tracks of stealing the {$1200.00} by DELETING the transaction all together.   They never refunded the stolen  money. Wells Fargo has a l ong history of STEALING from clients. They are probably stealing money from millions of clients.
Consumer complaint received 2023-01-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Velocity Portfolio Group (MI)

I was being harassed being sent an email about the alleged debt three times a week. A Cease and Desist was sent to CKS Prime Investments by email on XX/XX/2022 and a copy was sent through mail as well. I have received no further email or any response to my cease-and-desist letter from this company. I received an investigation result from XXXX dated XX/XX/2022 stating that the alleged account reported by CKS Prime Investments to be verified and accurate. This is a violation of FDCPA. Per 15 USC 1692a ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
CKS Prime Investments had continued communication indirectly by reporting this alleged debt to the credit reporting agency XXXX. An investigation was done by XXXX and CKS Prime Investments violated my Cease-and-desist order by communicating through the credit reporting agency.
Consumer complaint received 2021-08-16
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: EQUIFAX, INC. (VA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2018-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: HSBC NORTH AMERICA HOLDINGS INC. (CO)

I've had an HSBC credit card for a few weeks. Unable to log on HSBC website. Message says, " unable to access your information ''. I've called HSBC over six times and have spent HOURS on hold with no resolution. My card is apparently invalid, but company hasn't told me why. I'm concerned about the possibility of fraud and my credit rating.
Consumer complaint received 2023-05-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Earnest Inc. (FL)

On Monday, XX/XX/XXXX, Earnest/XXXX, my private student loan company, harassed all of my family members to include my parents, my husband, my husband 's parents, my brother, my brother-in-law, and my sister-in-law to try to get in touch with me relating to MY student loan. The only person listed on the student loan is myself. Not once I have a received a call from Earnest or XXXX. The only form of communication I received, was an email and a letter in the mail asking me to call them to settle my account. I am having difficulty making my payments and their lack of support to work with me to pay the amount I can afford is unbelievable. I also do not understand or appreciate this company contacting and harassing my family to get into touch with me. Meanwhile, I do not have a single phone call or voicemail from either Earnest or XXXX to discuss my student loans. This is completely unprofessional. A situation that is meant to be private and handled by the person listed on the account is the only person that both Earnest and XXXX should be communicating with. I would not recommend this company to anyone.
Consumer complaint received 2015-06-25
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Concord Resolution Inc (Closed) (MT)

Constant harassing phone calls from XXXX XXXX from concord resolutions stating I have XXXX hours to pay or will be served papers and arrested. 

Concord resolutionXXXX XXXX XXXX XXXX NY XXXX