davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ASSOCIATED BANC-CORP (IL)

I am in need of some help. On Saturday XX/XX/XXXX at XXXX my deposit of around was rejected and not completely returned to me in the amount of {$220.00}. XXXX XXXX was the ATM number. My {$500.00} deposit right before was successful but my next deposit was partially spit back out and the rest never came out as the mouth of the money feeder remained open with gears turning leaving the rest of my money caught inside and then a receipt that said my transaction couldnt be processed. I freaked out and called customer care as I was standing there. I followed up with signing a dispute paper on Monday at the XXXX Illinois branch of Associated Bank. They said the atm was audited Tuesday. I dont have a lot of money and bunch more coming out. I need my money and some peace of mind that it was located and credited to my account. I dont want to have to bank anywhere else because I have a mortgage, a car, checking savings and multiple family members accounts there but I know I will not be able to deposit my cash like this anymore. I have been assured by others that this can happen and their money was returned. I have followed up on the phone 3 times and email twice to try and get an answer about my money with their customer service. The cameras on the ATM would surely see my horror during the incident. This bank previously cost me a lot of time and angst by improperly handling my escrow account for my mortgage last year. Im so distraught and want my money available so I can pay my bills. This is such a huge anxiety riddled incident as so many have shared their horror stories with me about them and depositing into an ATM and I dont know how to get my money and peace of mind. Please help.
Consumer complaint received 2017-03-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I contacted Transunion when I noticed a XXXX account added to my credit file. Transunion has failed to provide me with any information bearing my signature and has yet to give me anything information proving that this account is mine. You
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I ordered a copy of my report in XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed account which I believe were reported in error. 

XXXX XXXX XXXX : {$6900.00}
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 — Account status incorrect
Company: EQUIFAX, INC. (AL)

According to the fair credit act I have a right to send valid information to the credit bureau and ask they correct a mistake on my credit report.i have an account on my credit report that is inaccurate and it have hurt my ability to obtain credit and get a house because of this mistake. They have been reporting this account inaccurate for a long time if you would look at the attachment you will chargeoff. Chargeoffs don't have a payment history but they have continued to report this account inaccurate. This account is paid in full and the payment history should not show charge off and I went to the company and got a letter and the attachment shows the account as paid. This inaccurate information needs to be removed.
Consumer complaint received 2023-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (AL)

I filed a dispute on or around the last week of XXXX.Sent in all the documents that show when my transactions were made and funds taken from my Account.PNC emailed me requesting me call and I did. I received no answer and no return call or email from anyone.This has been going on for over a week and I havent been able to contact anyone from the bank about any other problems i only received communication when they were taking money from my account unauthorized
Consumer complaint received 2021-05-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

Debt have been settled on XX/XX/2021 and I still see it in my credit report. I called them and they kept on giving me ( same ) numbers from one office to the next cause no one seem to know how to help me yet the acct as per the operator was paid in full.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IL)

At XXXX on XX/XX/XXXX. I called Equifax to dispute 5 Hard Inquiries reporting on my Credit report. And had spoken with someone from the dispute department named XXXX. 
Who said she sent out to the 5 Creditors notices of the reporting of the inquiries. Then once I told her I'm in the process of writing a complaint. She told me that I needed to file a police report. And that I needed to contact these creditors ( the burden of proof is the on reporting agency ).

I've been going back and forth about these 5 Hard Inquiries for months.

The places that are reporting the 5 Hard Inquiries. NEVER RESPOND BACK TO THE CREDIT BUREAUS. AND OR ME.

UNLESS IT'S IN THE FORM OF A LETTER STATING : " WE DO NOT HAVE YOUR INFORMATION ON FILE. PLEASE CONTACT US. '' Of which is obvious. Of course they don't have my information. Because I never applied for their services.

The 5 Hard Inquiries DO NOT HAVE THE FOLLOWING : 1. A SIGNATURE, 2. ANY ACCOUNTS ATTACHED, 3. PROOF OF VERIFICATION THAT I MADE ; AND OR, AUTHORIZED SUCH A HARD INQUIRY, AND 4. RELEVANTS TO ME. 
But yet still are reporting negatively on my credit report. 
XXXX gave me a confirmation number : XXXX. In regards to what she said she's done. 
Then at XXXX, I had spoke XXXX  ( the supervisor of dispute department ) Of which led to nothing happening. 
Be Advised : my Credit Report from Equifax will show past Hard Inquiries being deleted. Without all these extra steps they're putting me through now. 
XXXX also stated that she only had seen 5 Hard Inquiries ; period. In an attempt to cover up that Equifax had already deleted Inquiries in the past.

These 5 Hard Inquiries need to be removed : XXXX XXXX, Made on : XX/XX/XXXX XXXX XXXX, Made on : XX/XX/XXXX XXXX Made on : XX/XX/XXXX XXXX XXXX XXXX, Made on : XX/XX/XXXX XXXX XXXX XXXX, Made on : XX/XX/XXXX Please refer back to the dates and phone call with Equifax. Because it clearly illustrates both representatives from Equifax lying.
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: Experian Information Solutions Inc. (OH)

My issue is with Experian and I have called twice thinking another person may be able to help - but neither individual helped me. 

My credit score has consistently been in the XXXX 's and earlier this year is got to XXXX in XX/XX/2021. On XX/XX/XXXX, I had a hard inquiry by XXXX to my account which was fraudulent. 
I check my credit score fairly often especially during these times. I noticed on XX/XX/XXXX that this hard inquiry had been made and immediately filed a fraud dispute with Experian, contacted the other credit bureaus ( who did not have any inquiries ), put fraud alerts on my account and locked my credit. You can see I take this seriously. Experian removed the fraudulent claim and has continually failed to raise my credit score back to where it was prior to the fraudulent claim. They tell me the credit score is a mix of things, so they can't do that. Nothing has changed since XX/XX/XXXX except for that fraudulent claim. You can see from the other credit bureaus that still have my credit score in the very good area ( XXXX XXXX and XXXX  XXXX ). I don't want to see other consumers bullied like this by a credit bureau. Given the amount of fraud going on with Unemployment, SBA, etc ... We need credit bureaus behaving and working with individuals to keep what they have earned!
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I urgently request the removal of this erroneous late payment from my account. My payment history reflects a pattern of punctuality, and this entry is causing me undue stress and concern. I ask that you rectify this mistake promptly by updating my account.
Consumer complaint received 2021-05-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (MI)

I started receiving these phone calls about three months ago. It was the Synchrony Bank call center as far as I can tell. I asked why they were calling me. The answer is always " give us your account number or we can't help you ''. I haven't had an active account with them for six years. I did not have any account information as I had disposed of it years ago. I started by just ignoring the calls. They kept coming. I called back. NO solution, no help at all. I started blocking the call center numbers. They kept coming. I have asked to speak to a manager of some kind. They can't do that. I have been hung up on repeatedly, I have 18! voicemails from just the last couple weeks. I spent six hours on the phone with them on Thursday, XX/XX/2021. I have been told repeatedly " don't worry you won't receive any more calls ''. Last Thursday someone tried to tell me my XXXX XXXX XXXX mother, that lives across the country, had to do a conference call with them because it had to do with her account. My mother paid off her account years before I even had one. I suffer from XX/XX/XXXXandXX/XX/XXXXproblems to the point I am on XXXX and can not work. The XX/XX/XXXX this is causing me is affecting my life. I can't get any solution with the company. I deleted the only text I had gotten from them about owing some company I had never heard of much less bought anything from. They have also tried to tell me I have more than one account but won't explain to me who is using it and for what. I'm extremely confused and frustrated! I just want it to stop. Care Credit and Synchrony Bank will harass you until you die even if you don't owe them. One more thing, now when I call back they ask if this account holder is in Nevada. I've never lived in Nevada.
Consumer complaint received 2021-05-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (CA)

My only goal in filing this complaint is to get Coinbase to respond to me and help me gain access to my account again.

Here is the problem simply stated : When switching to a new phone, the two-factor authentication stopped working. When trying to sign in to Coinbase, XXXX XXXX provides 8 numbers and Coinbase only allows me to enter 6. I can't be the only one with this issue. 

They do not have a support phone number to call, nor respond to any messages or support tickets. Please see the attached filled with automated responses and promises of specialists reaching out. 

For months now, I have not been able to access a significant portion of my savings. 

If you can get them to respond to me, that would be so incredibly appreciated.
Consumer complaint received 2021-05-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Northern Resolution Services (OH)

Northern Resolution Services has called many friends, and family members of mine - they state my name and that a " case '' was received in their office and i need to contact them immediately with at reference number XXXX - the gentleman calling is XXXX XXXX. He never discloses the mini-miranda and left personal information. 

I called the company on XX/XX/XXXX - spoke with a representative and asked for proof of this " debt '' which I never received. 

When I told him about the phone calls and I wanted them to stop and they were violating FCRA guidelines he said he said " XXXX Bless '' and hung up on me.
Consumer complaint received 2021-05-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (KS)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-05-25
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. (WI)

XXXX  and this company processing this bankruptcy are both violating my FCRA and the FDCPA by lying about this verification for this debt. Transunion and XXXX  bith removed this public record for being inaccurate and unverified but yet XXXX  refuses to remove it because they dont actually require this company to present any proof of this collection. They do not have the right to allow companies to report unverified information without proof. I have requested a discovery that would include all the necessary documentation to prove this bill as an actually verified collection. They do not have the original contract with my signature agreeing to pay anything to anyone which is needed as proof also they will need to have all terms and agreements with me and the original creditor in order to place this on my report. They also need proof of my identification card as well as proof of my full social security number and address updated phone number etc. They have not provided any of these documents to verify this debt so they must remove it.
Consumer complaint received 2021-05-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (WA)

Freedom Mortgage, through their subsidiary XXXX XXXX XXXX, purchased the rights to my loan in XX/XX/2020. In XXXX, I was contacted directly by Freedom mortgage to offer a 0.25 % rate reduction at no cost to me, no term reset, no addition to my loan balance. This was provided in both email and on a recorded line. 

After accepting, providing authorization to run my credit, and providing a full package of bank statements, pay stubs, w2s, insurance information, loan agreements for auto loans, and many more daisy chained requests, Freedom delayed the closing for weeks upon weeks at a time, then requesting a refresh of information ( new pay stubs, additional payment information on insurance even through they hold my mortgage, and escrow my homeowners insurance, etc ), and re requesting information that was already provided. The result is now 3 months later that they are ready to close, but my rate lock has expired and will now require me to pay points to process the refinance. 

Per the literal dozens of emails and phone calls that were recorded, there is a clear chain of provided requested information, only to have the company wait 5-10 business days at a time and then request the same documents again. The Company deliberately delayed on multiple occasions to allow the rate lock to expire, allowing them to collect fees to complete this transaction, as well as delay for months what should have been lower payments to the company.
Consumer complaint received 2023-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NY)

Questioned a charge of {$1.00} on the account for which Chase attempted to impose a {$28.00} junk fee creating a balance of {$29.00}. When requesting clarification Chase responded with we cant locate the transaction information you requested and then added another {$28.00} junk fee. They also addressed the letter to XXXX XXXX. Im concerned that someone else may by manipulating this account as Chase would never try and collect {$56.00} in junk fees for a {$1.00} charge that they cant even verify.

They also stated a replacement card was mailed over 2 months ago and they dont even know where they sent it. They still use an address that was changed 5 months ago.
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: Atlanticus Services Corporation (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
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 — Public record information inaccurate
Company: EQUIFAX, INC. (SC)

XXXX XXXX placed a collection account on my credit report in XX/XX/XXXX. They brought a civil suit against me ; however, the case was dismissed. The item remains on my credit report. The item should not be on my credit report and should have never been placed on my credit report. It needs to be removed. 

I disputed information regarding XXXX XXXX on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. I have provided supporting documentation each time to the credit bureau. The last time I disputed, I notified them that they could reach out to the court house to obtain proof that the case against me was dismissed. The collection item still remains on my credit report. 

This collection item needs to be removed completely from my credit report.
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 — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital once sent me a letter regarding an account I made a payment settlement on. The letter stated that I missed a payment on the account ( Opened XX/XX/XXXX XXXX in XXXX of XXXX as the first date of delinquency. XXXX is showing a made payment for this account in XX/XX/XXXX, showing that XXXX was the first date of delinquency. I'm requesting the immediate removal of this account for inaccurate information furnished.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have written several disputes to the credit bureaus and each time it comes back as verified accurate. 
All 3 bureaus are reporting a different Date Last Active. 

XXXX reports XXXX Experian reports XXXX XXXX  reports XXXX This is in Violation, needs to be removed asap
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: EQUIFAX, INC. (GA)

XXXX, Equifax and XXXX has allowed this fraudulent company XXXX XXXX XXXX to report that I owe XXXX {$400.00}. This not right this fraudulent did not send me anything in the mail and how can you just report something to someones credit report before verifying. I informed these people time after time that this account didnt belong to me I requested that this company send me copies of a contract I physically signed and drivers license and ssn number provided to them and used. This company has failed to do so but they reported this my credit report. This is a fraudulent account I never opened and I will contact an attorney if I have to if this account is not removed. This company can not provide anything about me because I never had an account with them and I want this account off all my three report immediately.
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 — Account information incorrect
Company: EQUIFAX, INC. (MI)

I recently received a credit line increase on my XXXX credit card. It went from XXXX to XXXX. I was recently alerted that my credit rating was lowered because my limit was decreased, which is false, and it placed me over the limit. I loss points that I desperately worked so hard to obtain only for the information to input incorrectly by someone. Equifax refuses to fix their error.