davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SOUTHSTATE CORPORATION (MD)

I am XXXX  impaired and asked for a coupon booklet with South State Bank Loan no. XXXX. They said when I refinanced my investment property I stated that I did not want a booklet. I said I was never asked that nor did I respond that I did not want one. I told her it is hard for me to pay on line when my XXXX  gets XXXX  and could the bank give me a reasonable accomodation. I called customer service and spoke to two representatives twice and also to two supervisors and they told me my reasonable accomodation is to pay monthly XXXX to pay my bill over the phone. I told them that is not a reasonable accomodation under the American with Disabilities Act ( ADA ). The bank official said yes it is. Then someone called me back to say there is nothing they could do for me. I have other investiment properties and have coupon booklets for the year what is the problem here? Two customer representatives even hung up on me. It is my opinion and belief that their service is egregious and I have been doing real estate since 1975. The representatives at the bank would not give me the President of the bank 's name or corporate headquarters address to which I responded " Don't you do business in the U.S. and aren't you regulated by the federal government. They said it is not the bank 's fault but the loan officer 's fault ( a South State Bank employee ).
Consumer complaint received 2021-02-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners (OH)

I have attempted to get this debt off of my credit report now 3 times, and they continuously state the information is valid, even though the original creditor is unable to find any record of me in their system. The below is a letter I have sent to them asking once again for an investigation into the issue, as requested by a representative I spoke with on XX/XX/XXXX named XXXX : To whom it may concern, Attached is the XXXX Balance Letter that was sent to me via secure email from XXXX XXXX. They are a company that handles the billing for XXXX of XXXX XXXX, XXXX and/or XXXX XXXX XXXX XXXX. I personally called XXXX of XXXX XXXX  and spoke with their billing department. I gave them my address ( which I've lived at since XXXX ), my phone number ( which I've had since XXXX ), my date of birth, XXXX, and of course my name. They stated that they have absolutely no record of anyone with that information in their system at all, AND stated that they keep records for 6 years. They then directed me to XXXX XXXX to check and see if they had anything in their system, to which they did not. They then sent me the attached XXXX Balance Letter to try to get Pendrick to close the debt as illegitimate. This was in XX/XX/XXXX. Allegedly, Pendrick did an investigation and stated that they found the accounts to be valid and did NOT close the accounts. Now I have Sent Solutions working for them, attempting to collect the same debt. 

I really don't know what more I can do to make it clear that this debt you claim to have for me is NOT accurate. I live in XXXX, Ohio. That's nearly an hour from the hospital that you are claiming I was at. I have never even been to XXXX. I don't know anyone that lives in XXXX. I would also NOT seek medical treatment at a hospital an hour away when there's about 6 others within 20 minutes. That's just XXXX. 

I'm asking, FOR A 3RD TIME, that you investigate these accounts and close them, based on the fact that the alleged original creditor has absolutely no records of anyone by my name, with my date of birth, and with my social ever having visited their facility. I have provided you with more than enough information to handle this. 

I am also contacting the CFPB, XXXX, and Attorney General 's Office at the same time I'm sending this email because quite frankly, your offices have harassed me continuously and ruined my credit for absolutely no reason.
Consumer complaint received 2021-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2019, it has now been years since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.
Consumer complaint received 2021-02-17
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: Fidelity National Information Services, Inc. (FNIS) (FL)

I am XXXX years old and have excellent credit history XXXX XXXX, XXXX XXXX, XXXX  XXXX. 

I tried to PURCHASE a CD with CASH from XXXX XXXX and was turned down because of a report from ChexSystems. 
HOW CAN a company like ChexSystems have this much power??? HOW CAN ANY entity claim that I owe them money and cause me the hardship and TIME LOST in getting this corrected?
Consumer complaint received 2021-02-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

When we purchased this home in XXXX, XXXX, we were required to have an escrow with the lender. We have since refinanced with another lender and in the process discovered that our city property tax bill due XX/XX/XXXX had not been paid despite the amount being deducted from our escrow on XX/XX/XXXX. 
I contacted the City of XXXX and they confirmed that it had not been paid. I contacted XXXX thinking this would be easy to resolve but after getting nowhere I paid the tax on XX/XX/XXXX plus {$13.00} in interest. 
We have contacted NewRez ( the previous lender ) approximately ten ( 10 ) times on this matter and have gotten nowhere. Each time we call we are told something different. Sometimes it was paid by check, other times by ACH, it will be escalated, etc. The only thing that has been consistent is that they always need 3-5 business days to research and that time always elapses with no communication or resolution from the lender.
Consumer complaint received 2021-02-17
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. (MS)

On XX/XX/XXXX, I mailed a letter about inaccurate accounts on my credit report. I never received a response and mailed another letter on XX/XX/XXXX. I still haven't received a response and it is XX/XX/XXXX!!!!!!!!!!
Consumer complaint received 2021-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION (CA)

The credit card was opened without my acknowledgement, it was fraud, I have been trying to let Navy Federal know that I did not open that credit card or have possession of that card, they just keep telling me there is no sufficient proof of fraud. I just don't know what else to do, they said I need to provide written or verbal saying I did not open that card which I have done what they have asked and it still getting denied and are asking me to pay for charges I have no acknowledgement of.
Consumer complaint received 2021-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (NY)

This all stemmed from a fraudulent charge from XXXX which closed over a year ago from covid. initially, it took months to resolve which I did after days on the phone with Comenity XXXX Visa. A year later charges appear from XXXX in XXXX NY which we have never stepped foot in ( my husband was a member in XXXX NJ ) and I called Comeninty for weeks and finally got a so-called supervisor in their Fraud dept who said he will block the merchant from further access on my credit card and to pay the bill and I will see the credit next month. I then receive a letter a couple of weeks later from Comenity stating the dispute can not go further as they did not have enough information. I contact them again and speak to a supervisor who informs me there is nothing they can do and the person I spoke to initially who handled it was in fact not a supervisor but a customer service rep. Comenity is supposed to protect their customers from fraudulent activity which clearly is, XXXX XXXX Attorney General has already filed a class-action lawsuit with XXXX ( new XXXX XXXX XXXX XXXX as XXXX XXXX entity of XXXX is under investigation. I finally today was able to speak to someone in a supervisory position " XXXX '' ( the ONLY person to show concern and willing to handle ) who is sending new cards and will follow up. Shame on Comenity Bank XXXX Ohio for their lack of consumer protection and to outright lie about policies, procedures and their personal title/rank within their organization and their neglect to protect their customers with such a public fraudulent merchant as XXXX that the attorney general has filed suit against them.
Consumer complaint received 2021-02-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NH)

I opened an account with Coinbase on XXXX after providing them with ID info and checking account access in order to pay for purchase of XXXX coins. I made 3 purchases one on XX/XX/XXXX for {$2500.00} another purchase on XX/XX/XXXX for {$7500.00} and a final purchase on XX/XX/XXXX for {$4300.00} totaling {$14000.00} in total coin purchases that Coinbase withdrew from my checking account. The last {$4300.00} purchase I questioned Coinbase by email asking for clarification about it because I forgot what coins I had purchased with that withdrawal. Coinbase immediately locked my account, assigned me a case number and told me they would have a response in 4-5 days. Customer support emailed me on XX/XX/XXXX giving me case # XXXX - QUESTION ON WITHDRAWAL FROM MY CHECKING ACCOUNT. 
I did not hear back so I escalated my case and on XX/XX/XXXX the gave me an new escalated case number XXXX saying they would get back to me within 15 business days. Once again they did not get back to me. At that point I kept following up with numerous emails asking when they would unlock my account so I could have access to my money. No response. On XX/XX/XXXX I received an email from Coinbase customer support as follows : Hi There, Thanks for the response! We would love to help you further, however, this case has been closed and can not be reopened. 
Please submit a new ticket to our online support form here for continued assistance : https : //help.coinbase.com/en/contact-us.html Thanks, Coinbase Support They closed this case number after keeping me waiting for 2 weeks and never once responded to my issue. 
This company has hundreds of complaints of accounts being locked. The only way to communicate is by email to their customer support and they are no help whatsoever. There is no phone support, you can't speak to anyone. It's frustrating and what they are doing amounts to theft of small client funds. If one is a large institutional investor I doubt they be treated this badly. 

All I'm asking is for this company to be honest, unlock my account that should not be difficult. 

PLEASE PLEASE HELP THIS IS WRONG AND THEY DON'T SEEM TO CARE. 

Regards, XXXX XXXX
Consumer complaint received 2023-07-22
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. (MI)

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. 

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, has violated my rights. 

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 2021-02-17
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. (GA)

I reviewed a copy of my credit file and found the following items reporting as a result of identity theft : XXXX XXXX XXXXXXXX - Bal : {$96.00} .. showing charged off XXXX - Bal : {$3500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Bal : {$650.00} XXXX XXXX  - XXXX XXXX Bal : {$790.00} XXXX XXXX XXXX XXXX XXXX Bal : {$450.00} Please remove unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (IL)

Beginning XX/XX/XXXX I tried to buy another home for renovation purposes. My loan officer informed me I had a missed payment from Wells Fargo in the amount of {$3400.00}. This was an accumulation of missed payments from earlier years in which I had a hardship and remodified the loan. The mortgage was now current. I received the necessary documents from Wells Fargo reflecting the loan was current and thought I rectified this issue with them and XXXX. As only XXXX  is the only credit bureau reflecting such a negative impact due to this. I attempted to buy another house for renovation in XX/XX/XXXX ; again my loan officer informs me that I have missed payments from Wells Fargo. This can not be as I am on automatic bill payment. Wells Fargo did provide me with documents on multiple occasions to submit to XXXX  ; however XXXX  told me they can only report what is reported to them. It is possible that Wells Fargo is erroneously reporting to XXXX. As I followed up with Wells Fargo and I was informed that they should not have been reporting at all due to a bankruptcy filed by co-borrower. However co-borrower " Quit Claimed '' themself from deed. Wells Fargo at that time informed me they would start reporting my on time payments. However after my last few conversations with them, they have sent me correspondence saying that they will not report anything on my credit report. Review of my credit report reveals they have removed my good payment reporting, and have left the negative report from XXXX. Since I started dispute with XXXX  and XXXXells Fargon in XX/XX/XXXX, my XXXX XXXX has dropped on XXXX  alone by XXXX points. This is an egregious disservice and wrong to me, and is severely impacting my life. Wells Fargo nor XXXX  wants to help solve the problem and continuously shifts the blame, while leaving me as the consumer negatively affected. I need help, as credit is a resource that has a huge impact on one 's financial outcome.
Consumer complaint received 2023-08-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Round Up Ventures, L.P. (IN)

Hello, I was in need of additional financial assistance so I took out a personal loan. What I was not aware of is lendly.com is just another predatory lending company. I was given a loan for {$2000.00} but when it is paid off this company is going to receive {$7100.00} with an interest of 184.49 %. It felt initially like I was being helped with this company, but now I am in a debt trap. I've asked to refinance to try to get a lower rate, but was denied that option. A loan company getting everything they loaned you plus almost triple of what they loaned you should be illegal. Can you assist in getting this interest lowered or if this is illegal can we get this loan closed?
Consumer complaint received 2021-02-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

Loancare advised me in XX/XX/XXXXI had a shortage of {$580.00} and started an analysis was completed in XX/XX/2020 taking my payment from {$1400.00} to {$1400.00} in XXXX and XXXX and now in XXXX another inceased to {$1500.00} without notification and when I called in over 4 x 's to get help the representative could not advised what my P & I and T & I was to give me the total. I asked not to be transferred in order to make a paymetn instead while i was talking the rep put me on hold as she spoke over me that she will transfer me anyway. 

why would my paym change twice within 90 days. Customer sercvice at this place is unbelievale rude and I do not understand why a phone rep looking at my account is not trained to give me my P & I payment and what is my escrow T & I and why an analysis would be completed twice and why would the escrow not be completed correct the first time. this is concerning and alarming and quite distrubing the rep is not able to give my PITI just rude and working from home without any accountability or supervision. I want this call pulled provided to CFPB and a call made to me by someone in leadership at XXXX, will also be reaching out to HUD this is not how you service a loan and treat a consumer
Consumer complaint received 2021-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

EQUIFAX I DID NOT Authorize or INITIATE THE FOLLOWING INQUIRES. THE CAR COMPANY PLASTERED MY CREDIT RUNNING MULTIPLE REPORTS. DELETE REPORTING! 
XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX All Banks ( XXXX ) XXXX XXXX  Inquiry : XXXX XXXX, XXXX Credit Unions ( XXXX ) XXXX XXXX, XXXX. 

Inquiry : XXXX XXXX, XXXX All Others ( XXXX ) XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX 

XXXX  XXXX XXXX  Inquiry : XXXX XXXX, XXXX All Banks XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2021-02-17
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 — Problem with personal statement of dispute
Company: Self Financial Inc. (PA)

I recently disputed a late payment added to my credit file with self financial, inc. I explained to them that my hours were reduced due to COVID-19 restrictions and I've been struggling with my debts but I manage to make the payment on the due date but didn't realize I was 30 days late for 1 payment. So I called Self and told them about the situation and said they couldn't do anything about it even when I explained that I only work 10 hours a week due to COVID-19 restriction and told me to send a goodwill letter to see if they can help me but at the end they denied it and I know that under the CARES ACT if I told them about the situation they can not report me late to the bureaus or help me. I went into this company believing that if one day this would happen they would understand my circumstance since they're suppose to help people who had bad credit history. I been paying on time and I really thought I didn't miss the mark but being at a job only working 10 hours and sustaining my kids mostly by myself and dealing with COVID-19 is a major stress factor and just knowing I worked my XXXX off to maintain my credit intact for almost 3 years the only thing I have clean only for them to not to give me a hand with this especially during these horrible depressing time. I'm really hurt that SELF financial couldn't understand my situation and this has really affected me mentally and physically especially with what I'm going thru right now.
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Since 2017 i have been enslaved and denied good credit access by XXXX and Trans union credit reporting about the accuracy of my personal information on my credit file they maintained according to the fair credit reporting act. XXXX currently is missing my date of Birth and my complete names and also listing old past credit accounts from XXXX XXXX, XXXX and XXXX XXXX that has been settled as charge off/collections and this has been impacting my credit scores since XXXX i have been Denied credits from various applications this is unfair and inaccurate. 
Trans union has denied me access to good credit since 2017 as they are missing my complete names and listing old settled accounts from XXXX, and lending club as chargeoff/collections greatly impacting my credit scores for years now. 
This two companies has listed XXXX  XXXX Bankruptcy in my credit reports missing accurate datails. This inaccurate reports has impacted my credit scores for years. 
Since 2017 i have been sending letters to this credit bureaus only XXXX saw the truth and has erased all negative items from my credit file.
Consumer complaint received 2021-02-17
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. (GA)

I have two accounts on my XXXX  credit report that arent mine. I never opened these accounts, nor do I have any knowledge of them. This is my third time disputing these and its ridiculous as to why they are still there. I request that you have the two accounts erased from my credit report immediately. 
The accounts are : XXXX XXXX XXXX - {$700.00} XXXX XXXX XXXX - {$220.00}
Consumer complaint received 2021-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC (IN)

On XX/XX/15 I tried to make a payment to my credit card. The company is Continental Credit Card/XXXX. I initially tried to use the mobile app and was told I was unable to make a payment. I then tried to make it through the website and I received the same message. I have been making a XXXX payment every month but I started getting charges which has made my balance increase significantly. I am doing the best I can due to the my current situation that was caused by Covid. I feel this company is taking advantage of my current situation and now will not allow me to make a payment which will also allow them to charge me late fees and other fees.