davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-26
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. (FL)

I have notified all 3 bureaus that I am a victim of identity theft. In fact I have had an extended fraud alert on my credit for years and I am suppose to be contacted before lines of credit can be open. For the most part I am but for the following items and accounts I have not been. I let all 3 know that these are not my accounts or applications. It's been over 5 months since I did this and I have not received any update regarding the investigation or their findings. The items are still listed fraudulently on my account.
Consumer complaint received 2021-05-25
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I noticed these fraudulent inquiries on my XXXX  credit report and I've disputed them several times with the company and XXXX  and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date Cap1/Neiman Mrcus XX/XX/2021 Cap1/Neiman Mrcus  XX/XX/2021
Consumer complaint received 2022-10-31
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: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2018-06-12
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: Experian Information Solutions Inc. (PA)

XX/XX/2018 - I made a more specific attempt to resolve issue to Experian and XXXX. 
Two accounts are being reported on my credit history that were opened via fraud. 
XXXX XXXX XXXX XXXX XXXX Line of Credit account and XXXX XXXX XXXX Credit Card. 

I recently sued XXXX XXXX related to employment I had with them in conjunction with the loans mentioned above. I sued in the XXXX Pennsylvania District Court - Case XXXX. My case was over Discrimination, Breach of Contract, Fraudulent Misrepresentation, Interference with Prospective Economic Advantage and Violation of Pennsylvania Wage and Payment Collection Law. Part of my issue with XXXX XXXX was that I they made me obtain the loans for XXXX XXXX benefit with XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX. These loans were granted using my Intern Salary which XXXX XXXX only paid me for a short period of time while preparing to open my office/agency. I had to use the funds from these bogus XXXX XXXX loans to the benefit of XXXX XXXX by purchasing XXXX XXXX marketing materials, XXXX XXXX mail and online ads, etc. 

I attached the lawsuit for your review. If you take the time to read the lawsuit, you will understand how and why I had to sue XXXX XXXX. While the case was settled, I still have the credit issues from the fraudulent loans that XXXX XXXX made me take during my Internship. 


XXXX XXXX XXXX XXXX XXXX XXXX - I was required to take this loan as part of a for hire/internship scam by XXXX XXXX. The fraudulent loan should not be reported on my credit report. 


XXXX XXXX XXXX XXXX - I was required to take this loan as part of a for hire/internship scam by XXXX XXXX. The fraudulent loan should not be reported on my credit report.
Consumer complaint received 2021-05-26
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. (PA)

I submitted a dispute with Equifax ( Confirmation number : XXXX XXXX on XX/XX/2021 with an estimated completion time of XX/XX/2021. As of today, XX/XX/2021, they have yet to finish their investigation nor contact me. This is well beyond their 30 day time frame, and I want to file a complaint.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (MI)

We had to go through a Chapter XXXX bankruptcy in 2020. Since then, all 3 credit reporting agencies have reported my Student Loan ( serviced through NELNET ) as being closed and/or discharged. This account was never discharged in the bankruptcy and we still continue to pay on it monthly and it is current.

My understanding is that student loans are one of the few accounts that are not discharged/closed in bankruptcy and yet all 3 reporting agencies refuse to acknowledge this. I have disputed this TWICE with each agency ( XXXX  only once ) and each time they say that their information is accurate and continue to show it as a closed account. 

I have contacted NELNET several times regarding this and they assure me that they are reporting my payment and balances each month to each reporting agency. There are technically 2 accounts with NELNET that have different balances and both show on my credit report as discharged/closed. 

As we try to rebuild our credit, we can't see to get this item corrected on our credit report and it affects us adversely.
Consumer complaint received 2019-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

Citi bank shows that I have missed a payment on XX/XX/2017 and tried having my credit line increase & tried to contact them to have it resolved but didn't get a solution.it 's definitely impacting my credit score and would like to have the late payment it removed from my report as well as get a higher credit line.
Consumer complaint received 2021-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CO)

Please note : I'm making 2 complaints, one against Chase and one against Marriott as they are partners in this issue and neither satisfied the rewards as described. I applied for a Chase Marriott XXXX  credit card XX/XX/XXXX ; I received communication in my XXXX - inbox XX/XX/XXXX stating they were reviewing the application and on XX/XX/XXXX stating the card had been approved. I initially applied for this credit card for the reward of an " {$250.00} Marriott e-gift card instantly, upon approval from Marriott '' ( see XX/XX/2021 letter from Chase ) and also for the " XXXX points after [ I ] spend a minimum of {$3000.00} ''. The offers have now changed and I can not find the original guarantee - however, in multiple contacts with Chase the offer was verified. I have not received the e-gift card. As of today, I have not received the points. I've sent multiple inquiries and have had multiple phone calls with both Marriott and Chase. In these communications I've explained that I have not received the 'e-gift card '. In each instance, neither company takes responsibility and both state that the other company is responsible for the issue. For both companies, they have stated both in writing and on the phone that the e-gift card should be provided by the other company. Please see the multiple letters and other documents provided. I'm hoping that this complaint will escalate the issue to higher level employees at Chase and Marriott that can help resolve this issue as I've requested that - I've requested communicating in telecons, I've contacted these companies and have no resolution. Please contact me with any questions/concerns. 

Thank you.
Consumer complaint received 2021-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hello, the reason for this email is because in XX/XX/2021 I applied for the PPP loan. I work as an independent contractorfor XXXX. With all the information that they requested, the application was sent to the SBA for confirmation or eligibility. The loan was approved by the SBA and two different institutions gave me the loan. Part of that money I have used to pay my past due bills, such as a car loan that I use for work, gasoline, rent, etc. 
On XX/XX/XXXX I went to the capital one bank located at XXXX XXXX XXXX, XXXX, NY XXXX to make a withdrawal from the account which is a joint account with my mother and stepfather, where they receive their social security checks and XXXX. the bank teller tells me that the account is frozen and that I have to call the bank. XXXX customer protection. 
I called them and they only told me that the account is under investigation for the PPP deposit. The last time I call I want to give them all my documents and application to show that everything is in order, but there is no way to send the information. This is very frustrating because it not only they have my loan money frozen, but also my parents ' social security money. I need someone from Capital One Bank to contact me so I can provide the documentation they need and that I am responsible for that loan Which I have to pay back .Thanks
Consumer complaint received 2017-04-04
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (MA)

My son and I were approved for a loan at 20 % interest from Santander bank. 
We should not have been approved as he is XXXX with a family to care for, and because he was late on his payments, he owes more than what he borrowed. 
I was refused by XXXX other lenders because my credit is bad. 
How did we get this loan?
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (NC)

In the original correspondence, I furnished my identification to verify my identity so that there would be no confusion. I have corresponded with BB & T because this company is reporting 30 days late in the month of XXXX when I had XXXX. Once I overcame the sickness, I called immediately to not only make the necessary payment to satisfy the account but to also report having the XXXX XXXX  on XX/XX/XXXX. I immediately mentioned that there was a COVID-19 relief where delinquent payments or missed payments would be forgiven or not reported under the Biden Administration Cares Act. This did not happen ; I presently have 30 days late ( derogatory statement ) on all three credit bureaus. That reporting is grossly inaccurate per the COVID-19 relief and/or per a first-time late that is used by BB & T when a customer has never been late. This R1 derogatory 30 days late must be removed immediately from all three credit bureaus per the COVID-19 relief which was engaged on XX/XX/XXXX when I made the payment. I received a message back stating that they would not change it per XXXX XXXX, Collection Production Mgr. 2 due to me calling on XX/XX/XXXX. I stated in a return letter that I could have never made such a call and demanded to hear this recording and could medically prove that I couldn't even breathe during this time frame due to the COVID - 19.
Consumer complaint received 2021-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

I became the successor of this property/mortgage and I was about to payoff this loan but received a XXXX increased amount more than the balance of XXXX but XXXX. I contacted Mr. cooper several times to request the records and an explanation of why and where did they get a XXXX increase ; they keep saying it was a loan modification done by the deceased borrower. They haven't and won't give me the itemized breakdown of the loan modification from XXXX XXXX. I need your help in resolving this horrific problem. We want proof, the itemized breakdown of the payoff, and the modification when it was done. They also told me to contact the previous lender to get the paperwork, which is crazy and I tried but it appears it is not a mortgage company or someone who service loans. I am very concerned that they ripped off the deceased client, something is not right. I just want clarity and the truth.
Consumer complaint received 2021-05-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (WA)

Binance disabled withdrawal on my account, and does not respond to support requests. After months of this, I disabled my account in an attempt to reactivate it and restore functionality so I could retrieve my money. Now my account has been banned, and I have been banned from any support channels. 

Binance has {$10000.00} of my money, and provides no means for me to withdraw it. 

Looking online, it is clear that they are doing this to a lot of people, it's not an isolated incident.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

When I apply for a credit card or credit services I am denied because I'm told that I have accounts seriously delinquent. My account status shows 100 % payment history in all accounts.
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Dear Bureau, I am a victim of an Identity Theft and this is my official statement for dispute. I have an account on my credit report which doesn't belong to me. I enclosed in this letter an Identity Theft report and notarized Affidavit proving that this account was opened due to fraudulent actions. I am also attaching to this letter a copy of my Drivers License and a copy of my SSN to verify. 

Please remove this account or let me know what else I should provide you. 

Name of the account : XXXXXXXX XXXX  XXXX It was opened on : XX/XX/2018 This account was closed by letting the lender know that this account doesnt belong to me. But unfortunately at that time the account was transferred to the fraud department. This account is not mine, please remove it from my credit report. Thank you very much for your consideration and I'm waiting for the good news soon.
Consumer complaint received 2017-04-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Systems International, Inc. (TX)

I disputed the debt from Credit Systems and it was deleted from my XXXX credit report in XX/XX/2016. I noticed that in XX/XX/XXXX this same inaccuracy was reporting on my XXXX report as well. Which should had been removed from my credit report back in XX/XX/XXXX. I disputed the debt on my XXXX report and provided the documentation proving it was removed from my XXXX report back in XX/XX/2016. However, instead of Credit Systems removing the inaccuracy from my report, they put it back on XXXX report and showed that the debt had been in collections for 14 months dropping my score by XXXX points.
Consumer complaint received 2021-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I am disputing a couple of inaccurate items on my credit reports and have been trying to for quite some time yet the credit reporting agencies are not communicating with me on those investigations. I understand that we were in a Pandemic and took that into consideration after I didn't receive a response the first, or second time but the this time I gave them 3 Months to respond and they still have not. I don't understand how the Federal Government can create laws to protect me the consumer and yet these corporations STILL don't have to abide by those laws. The Fair Credit Report ACT requires Credit Reporting Agencies to respond to investigations within 30-45 days. Yet the Credit Reporting Agencies do not respond at all. Upon doing some research, I read that the Trump Administration cut the funding of regulatory agencies giving these corporations a free ride to take advantage of consumers like me. It seems that's exactly what XXXX XXXX  and Trans Union are doing as they ARE NOT complying with the FCRA at all. This is why I'm finally reaching out to the CFPB which is supposed to enforce and protect consumer laws especially against the Credit Reporting Agencies. I sent letters to all three credit reporting agencies on XX/XX/2020, XX/XX/2020, and XX/XX/2020 and never got a response from any of them. In the past they would send a letter to any investigation or letter I sent but now they NEVER respond and continue to report inaccurate, incomplete, or unverifiable information on my credit report. When I contact them to ask them about my investigations, they just give me the run around, say they never received a dispute letter ( which is a lie that XXXX  uses every time ) even when I send them certified and they sign for them. The CFPB needs to enforce these laws that are supposed to protect consumers and not let these credit reporting agencies blatantly break the law. We have a new President now who does support American Consumers and their rights so it's time for the CFPB to do their job and hold the credit reporting agencies accountable.
Consumer complaint received 2021-05-25
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: EQUIFAX, INC. (DE)

I have reached out to Equifax well over 365 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my credit report.
Consumer complaint received 2024-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (GA)

I was reviewing my XXXX and XXXX credit report when I noticed an account that's not mine that was actually removed from my XXXX credit report. I've disputed this account but nothing has been sent back to me saying or even validating the debt is mines. Attached is the letter and the proof it was deleted from my experian profile.
Consumer complaint received 2023-06-30
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-05-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (CA)

Misinformation from the loan originator at Cardinal Financial. The loan originator offered a rate and took 3 hard inquiries just to provide higher rate terms and closing costs. They have sent contradicting statement and ordered a home appraisal without the owner consent.
Consumer complaint received 2021-05-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (UT)

I accidentally pre-ordered some tickets on XXXX XXXX using my PayPal account I have not received any tickets they have taken about {$3000.00} from me and are holding my money ransom refusing to return it to me PayPal is not helping me they said that they will not be able to help me until after the day of the concert if they still did not deliver the tickets to me I bought them by mistake thinking that they were actual tickets and not a pre-order. The actual tickets on their website are only {$130.00} and they are charging me {$560.00} each ticket I bought four of them. They claim that you are not allowed to sell tickets that you do not physically own yeah here I am one of their sellers fraudulently took my money and they are not helping you refund my money and neither is PayPal.
Consumer complaint received 2021-05-25
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: Experian Information Solutions Inc. (MD)

I have reached out to Experian well over 90 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my credit report.
Consumer complaint received 2021-05-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (MO)

Spoke to property when I moved out after taking pictures of my apartment, did a walk through with a member of maintenance to ensure when I moved out we were on the same page. After speaking with the property manager she informed me that the pictures they took without me ( i.e. not during our walk through ) would not be provided to me. They took my deposit and applied it towards an unagreed upon amount then forwarded my information to another company to bill me for it. I expressed my displeasure with the amount and the breakdown they reduced the amount to right around {$200.00}. Later on they sent the account to a collection agency who has not been able to provide me with the information I have been requesting nor a date I can expect it after repeated conversations.
Consumer complaint received 2023-02-20
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: Experian Information Solutions Inc. (GA)

All 3 credit bureaus have not provided proof from the holder ( XXXX XXXX XXXXXXXX ) of verification from the holder regarding a bankruptcy.
Consumer complaint received 2023-02-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (FL)

PNC Bank Account Name : XXXX XXXX XXXX XXXX Routing # : XXXX Account # XXXX This account has been closed by the bank on XX/XX/2022, with a balance {$9900.00}. I have not received the balance yet until today.