davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

Bank Regarding : Wells Fargo Bank, N/A XXXX XXXX XXXX XXXX, OR XXXX This amount was taken by XXXX XXXX XXXX XXXX to pay for full coverage on my XXXX XXXX XXXX that I own. I spoke to agent XXXX and he said he is not going to pay me anything for my vehicle that was stolen. I have a police report on file and I have not been contacted by any XXXXpd detective as between XXXX. 

XXXX A recurring payment was authorized with card XXXX for {$120.00}. 

My car was used to drive to work and I was issued a parking permit by my employer The XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Dates employed were XX/XX/XXXX - XX/XX/XXXX. My car was purchased XX/XX/XXXX with a cashiers check at the XXXX and XXXX location where I paid for a safe deposit box. I did not know that my life was in danger by a United States XXXX who accompanied to the bank to get my cashiers check. I was never aware of any additional persons in my vehicle or anyone holding any fire arms at the time of purchase. I have recently been denied a housing voucher by my employer XXXX. XXXX the CEO said she was closed when I inquired about an emergency situation that threatens my life since my vehicle was stolen on XX/XX/XXXX. 

Will you please put back all of the money my sister XXXX XXXX XXXX deposited to my account from her bank XXXX  XXXX XXXX. She wanted me to go to school and find a job, which I done. This type of discrimination is contagious all over Downtown XXXX XXXX, I feel this omission of danger is not to be ignored by any Banking institution. It can cause robberies. I also had a roommate named MsXXXX XXXX. I am almost sure she came in the bank pretending to be me. If so will you please freeze her assets everywhere.
Consumer complaint received 2019-07-25
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC (FL)

Mortgage was on a hurricane monitoring and was sold to another lender they knew that we were in this hurricane monotheism and we did a modification but they reported that we had late payments when we never did and we were assured by HUD and our previous lender that nothing negative would be reflecting in the credit but they have yet to remove it
Consumer complaint received 2019-11-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (GA)

I requested via letter 2 months ago that Commonwealth Financial Systems verify the following information. 1. What hospital is this medical collection for? 2. Date I was supposedly at this hospital 3. Full account summary and itemized calculation of alleged debt 4. Registered/Licensed to collect in the state of Georgia and Florida. I have not received a response.
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 — Account status incorrect
Company: Bread Financial Holdings, Inc. (TX)

The account ( XXXX ) is showing on my consumer report as a charge-off. It is illegal to furnish income on a consumer report. A charge-off according to the IRS is income, and you must file a 1099-C. As it stands, I have not received a copy of this form. Remove this information from my consumer report immediately. 
My rights as a consumer are protected under Title 15 Chapter 41. 15 USC 1601 highlights the consumers informed use of credit. At the time that I entered this alleged consumer credit transaction, I was uninformed and did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your companys lack of full disclosure.
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX is attempting to collect a debt that is 1 ) Possible identity theft and 2 ) Possibly past the statue of limitations for collection.

Transunion also keeps reporting this debt as validated and verified, even though no proof of such has ever been provided by the creditor or the credit reporting agency.

I am now demanding proof proving this debt belongs to me, including proof of my identifying information that connects this debt to me.

I am also demanding proof of the original date of delinquency on this debt. It is believed this debt is over 6 years old, which is past the statue of limitations for collection, which would take away the right of the creditor to collect and report this debt to the CRA 's
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I want to know why Equifax dropped my credit score XXXX points on XX/XX/2023 for paying off two accounts ( IN FULL AND EARLY!!!!!! ) This makes no sense. I work at my credit and monitor it and I am being PENALIZED for paying stuff off ... IN FULL AND EARLY??? What is the use in even trying if you get dinged liked that? I want it corrected and I really want the way credit reports are being handled to change. Its near impossible to stay good with their nonsense way of doing things... fix it oir I will be filing a lawsuit
Consumer complaint received 2021-11-15
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: Resurgent Capital Services L.P. (FL)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I am in the process of working with a mortgage lender to get approved for a VA Mortgage loan. The mortgage lender sent me a copy of what is showing in their underwriting system. XXXX XXXX XXXX XXXX is currently reporting that my home is in foreclosure and payments are over 180 days late. This was last reported in XX/XX/XXXX. I briefly fell behind on my mortgage payments after I was furloughed from my job. I have been current on my mortgage payments since early XXXX, well over a year. I called XXXX XXXX XXXX XXXX twice to have this corrected and to request a letter stating I am current on my mortgage payments. They have refused to provide a letter before 5 to 7 business days or immediately correct their fraudulent credit reporting.
Consumer complaint received 2021-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (AZ)

I changed banks that my automatic payment is deducted from back in XX/XX/XXXX. Select services acknowledged the change by letter. In XX/XX/XXXX they tried to pull payment from old bank. On XX/XX/XXXX they called to tell me I never made pmt. I explained that they probably did not pull pmt from correct bank and asked that they confirm new bank account and they record my payment as made on XX/XX/XXXX. They left the record of pmt as XX/XX/XXXX and reported to credit Bureau. My credit dropped due to additional funds added to my mortgage. Again in XX/XX/XXXX I received call on XX/XX/XXXX that I have not paid. Again they did not submit pmt withdrawal correctly. I can't call till XX/XX/XXXX because offices are closed. This will be 2 months in a row they are recording put not made on XX/XX/XXXX. I will be charged interest when I sell or pay off my from XX/XX/XXXX to XX/XX/XXXX. My credit will drop again. I want this fixed and my payments recorded on XX/XX/XXXXof month.
Consumer complaint received 2021-11-15
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. (MI)

I am in the process of working with a mortgage lender to get approved for a VA Mortgage loan. The mortgage lender sent me a copy of what is showing in their underwriting system. XXXX XXXX XXXX XXXX is currently reporting that my home is in foreclosure and payments are over 180 days late. This was last reported in XX/XX/XXXX. I briefly fell behind on my mortgage payments after I was furloughed from my job. I have been current on my mortgage payments since early XXXX, well over a year. I called XXXX XXXX XXXX XXXX twice to have this corrected and to request a letter stating I am current on my mortgage payments. They have refused to provide a letter before 5 to 7 business days or immediately correct their fraudulent credit reporting.
Consumer complaint received 2021-11-15
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. (MI)

I am in the process of working with a mortgage lender to get approved for a VA Mortgage loan. The mortgage lender sent me a copy of what is showing in their underwriting system. XXXX XXXX XXXX XXXX is currently reporting that my home is in foreclosure and payments are over 180 days late. This was last reported in XX/XX/XXXX. I briefly fell behind on my mortgage payments after I was furloughed from my job. I have been current on my mortgage payments since early XXXX, well over a year. I called XXXX XXXX XXXX XXXX twice to have this corrected and to request a letter stating I am current on my mortgage payments. They have refused to provide a letter before 5 to 7 business days or immediately correct their fraudulent credit reporting.
Consumer complaint received 2022-12-16
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. (IL)

Reporting incorrect information and should be deleted according to the FCRA. 

XXXX. XXXX XXXXXXXX XXXX XXXXXXXX showing past due balance of {$890.00}, this account was closed in XXXX and updated when I filed dispute. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX past due balance of {$870.00}, this account was closed in XXXX and updated when I filed dispute. 
XXXX. XXXX showing in XXXX XXXX bankruptcy, which is incorrect information, I disputed this account and it was still added to my credit report. 
( 9 years reporting on credit file ) XXXXXXXX XXXX XXXX Bankruptcy XXXX : ,Discharged Date Filed/Reported : XX/XX/XXXX.
Consumer complaint received 2022-12-16
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. (MI)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treaty payment on a credit card account under an open end consumer credit plan as late for purpose.

this is exactly what it say. a
Consumer complaint received 2019-02-01
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. (NC)

I don't deserve this erroneous information, the accounts don't belong to me. I did not sign up for any of these. I have always been a responsible payor.. CFPB remove the accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX, XXXX XXXX Bankruptcy XXXX
Consumer complaint received 2024-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (OK)

The same multiple previously disputed merchants have previously been blocked by chime, and my checking account remains locked and disabled for transactions. Yet Chime continues to allow over {$1000.00} in transactions from these merchants. I have provided all merchant service cancelation documents numerous times. I request my situation be escalated and get refused Chime refuses to give me any information as to why my dispute XXXX was denied, then rebuttal denied. I insisted they give me this info, so twice they sent me an email with blank document. I opened a new dispute XXXX and it is already being mishandled And I was basically just told theres nothing I can do about the quality of service Ive been given, the gross negligence of chime, they refusal to allow me the proper resources to monitor my financial wellbeing. The withholding of requested information and refusal to reasonably escalate. 

Ive spent hours and hours arguing with their agents, and supposed Supervisors. 

They have a responsibility to protect my money and they have failed repeatedly. They need to be held liable for the illegal misuse and witholding of my money
Consumer complaint received 2021-11-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (MD)

Commonwealth Financial System submitted a negative report on my credit bureau for an attempt to collect a medical debt of {$160.00} that I never received any advance notification for. I spoke with their representative for the first time 2 weeks ago and paid the debt on XX/XX/2021, however they submitted a negative report on my credit bureau. I want them to remove the negative remark from my credit bureau as soon as possible!
Consumer complaint received 2019-07-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (NJ)

7 loan payoffs were mailed on XX/XX/XXXX to 4 separate institutions. Three to XXXX XXXX, 1 to XXXX, 1 to XXXX, and 2 to Lending Club. 5 of the 7 checks cleared by XX/XX/XXXX. As of today, XX/XX/XXXX, Lending Club has no record of these checks. the loan payoff amount was given for 14 days out. I am of the firm belief they are holding the checks for addional interest.
Consumer complaint received 2019-11-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: GREAT LAKES (DC)

I am a senior citizen age XXXX recently diagnose with XXXX XXXX and XXXX I have a parent plus loan with Great lakes. I informed to the collector from Great lakes that I am on a fixed income and can only pay {$50.00} a month the person has been harassing me daily and stated that I don't qualify for anything.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: JPMORGAN CHASE & CO. (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-11-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VA)

I have two FFELP loan through Navient that was taken out in XXXX. I have been making payments on this loan, never missing a payment. As of today, Navient is claiming that I owe {$5400.00} still on these loans. The total of these loans in XXXX, when they were taken out, was {$9800.00}. Basic math shows that over the course of the time that I have had the loan, I have paid as of this last payment, {$14000.00}. I pay monthly, {$100.00}, and the loan is listed according to Navient to be paid in full by XXXX. That would have me paying a total of {$19000.00} over the duration of the loan, resulting in over {$9500.00} being paid just in interest on the loan. This does not match up with the interest rate on the loan of 5.25 % Even checking with various calculators, the total payments on the loan, including both principal and interest should be approximately {$13000.00} over a 10 year term. As of the time that Navient claims the loan will have ended, that would have been a 20 year term. Navient is clearly not applying the payments to the loan in the correct manner and is also using a higher rate of interest then listed on the loan ( basic calculations show that Navient is charging me 15 % interest on the loan.
Consumer complaint received 2021-11-15
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)

I have had my account frozen in Coinbase for well over a year. I have tried to contact Coinbase well over a hundred times, literally! Unfortunately, they refuse to help me resolve the issue. The oldest email to date is from XX/XX/XXXX. I have about {$500.00} stuck in my account which may not seem like much to some. I couldve used this money to invest in other coins/ stocks and it could have been worth much more than {$500.00}. Also, for me that is a lot of money as I am a college student that works very hard for each dollar I earn, not to mention I have a substantial amount of debt. Any help is very much appreciated!
Consumer complaint received 2023-02-20
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America closed my account like two years ago. I havent had a account since. Someone stole my bag in XXXX. All my stuff was stolen including my phone & wallet. Someone tried to do fraud with my account & did not succeed. Also I reported my card stolen so they should know it was not me. Pls help
Consumer complaint received 2018-09-20
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CASH AMERICA INTERNATIONAL, INC. (MO)

I and people I know were approached by a " investigating officer '' pretending to be XXXX XXXX from XXXX XXXX XXXX XXXX XXXX pretending to represent XXXX XXXX XXXX with fake case number and claimed to need to make payment arrangements under penalty of Law. After setting up XXXX biweekly payment got a call from a family member that it was a scam. I went to My representative at local XXXX XXXX XXXX location who verified it was a scam and cancel my debit card immediately. the scammer phone XXXX registered from XXXX Tx.
Consumer complaint received 2023-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

As of today XX/XX/XXXX   I have not been able to see my TRANSUNION credit report through their website for 60 days now. Ive already attempted to contact TransUnion by phone twice and i received no help on this situation. I have the right to fairness and I find it unfair that I can not view my current credit score or current credit report.
Consumer complaint received 2021-07-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2021 Bank of America closed our accounts. 
Specifically a business checking account -- XXXX XXXX XXXX -- account ends in XXXX. 
Bank of America stated they sent a check out on XX/XX/2021, however, we did not receive the check, as they sent to the wrong address on file. 

Fast forward to XX/XX/2021, we contact Bank of America, talk to 3 departments, give the correct address to 3 departments, including business, recovery, and risk departments.

Phone numbers given for recovery departments are XXXX and for Risk department is XXXX. Keep in mind, we were told by all 3 departments that they see where the check was returned to Bank of America. We were told by the Risk department they they have sent the info, including the updated address to the Closing department to issue a new check. 

Fast forward again to XX/XX/2021, we once again call back to Bank of America, and this time we are told they do not see any records of our calls and speaking to 3 different departments on XX/XX/2021, so nothing has been done with the check, and the real kicker, now they don't see where the check was returned, and they once again have the old address on file!!!!

Once again we have given them the new address, and are told it will be another 2 weeks, and could be up to 121 days, before they will reissue a new check!!! Our rep
this time in the Fraud department, as he stated we can not talk directly to the Risk department now, XXXX badge # XXXX. ( Very doubtful the name or badge is legit ) This is absolutely ridiculous! Bank of America should be shut down!!!
Consumer complaint received 2022-12-16
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: Experian Information Solutions Inc. (DC)

I went to the car dealership and was screened with multiple hard inquires that I wasn't aware of or didn't consent to. 


XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (SC)

Trying to refinance our house due to financial struggles and 2 lenders could not open my credit report from EQUIFAX! 
I logged into my equifax.com account to see if I could see the problem, and clicked on, '' View my credit report '', which said credit statue unavailable, " BLOCKED FOR PROMOTIONAL PURPOSES!!! '' I am furious as they have no right to withhold lenders I give consent to to help us in this difficult time while mortgage rates are still low!! 
They MUST release and open my credit report or I will file a lawsuit for financial devastation due to their negligence to comply and take this RIDICULOUS block off my credit report!!