davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-30
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (FL)

Last week I made a phone call to the fraudulent department for target and got a hold with one of the representative. He explained me to go to a site to report this store credit card. I got hit in my credit score with this name call TD BANK USA/TARGET C. The guy is sending me a letter to sign and send back.
Consumer complaint received 2021-12-30
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. (MI)

This is not a duplicate complaint. There are multiple problems with one account that is being overlooked and mishandled consistently. 

I disputed the Department of Education XXXX account many times for violations of the FCRA to all three credit bureaus over the past year. Each time, The Department of Education XXXX has continued to inaccurately report Balance information to Experian XXXX and XXXX. 

The Reported Balance is {$7200.00} The Highest Balance Reported is {$5400.00}. Stating I have paid off -35 % of the debt. 

It should be PROPERLY reported as {$7200.00} IF that is my balance. I have been sent MANY different letters of what my real balance is and this company is reporting ANY Amount to my credit report is a violation of my consumer rights. XX/XX/2021 Department of Education XXXX reported an increase in debt of {$1800.00}. 

Each month that I have EVER made a payment, the balance never decreases because the US Department of Education XXXX does NOT know how to properly report information and be a qualified furnisher of information. 

The Entire account Being Reported by The Department of Education XXXX is inaccurate and is affect my personal credit report tremendously.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 604a section 2. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan for any given purpose.
Consumer complaint received 2021-12-30
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. (CO)

I recently sent a dispute letter to Experian on XX/XX/21 in regards to a previous car loan. I pulled my credit reports and noticed that Experian was reporting the account still opened, although it has been paid off and closed, and a new auto loan has been opened in place of it. Experian also does not provide the date of last activity ( the account was paid off on XX/XX/21 ). This shows me that the account has not been properly verified, and Experian has not done its due diligence, and instead continue to respond to my disputes that the account has been " updated ''. They have continuously shared incorrect information although it has not been properly verified. As a result, I requested and asked that the account be deleted immediately. 

As a consumer, it's frustrating that after sending multiple letters requesting that the information be deleted because it is indeed inaccurate and Experian fails to properly verify the information, Experian continues to report incorrect/inaccurate information. As a consumer, i expect my information to be the same across the board for all credit reporting agencies, but it seems that Experian is not following in alignment with other agencies and instead focusing on the benefits for themselves.
Consumer complaint received 2023-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (NY)

My previous mortgage company XXXX XXXX sold the account to Selene Mortgage in XX/XX/2022. On XXXX22 I received a bill from Selene Finance indicating Corporate Advance Fee Breakdown for transaction date XXXX22- {$75.00} ( Prior Servicer Corporate Advance Fee ) and XXXX22 - {$20.00} ( Property Inspection ). The Property Inspection fee was disputed and credit to my account. The {$75.00} for Prior Servicer Corporate Advance Fee is still on my account and now showing as over due. I am not responsible for fee being that I did not ask for a re-finance or a transfer of mortgage company. Any fees that transpired during this sale of mortgage accounts is solely on both companies. The account holders did not ask for a re-finance or a transfer of mortgages.
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2021 I contacted Experian, XXXX, and XXXX XXXX by Phone to update all personal information. I was informed that it would take up to 30 days for my information to be updated. I waited almost 2 months for this to reflect on my profile but it never happened. 

On XX/XX/2021 I sent out letters to Experian, XXXX, and XXXX XXXX in further efforts to update my personal information to the only information that is Valid. I've waited patiently to no avail. I need this information updated as soon as possible to reflect accurate information
Consumer complaint received 2021-12-30
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (NY)

I received a letter in the mail from PNC Bank dated XX/XX/2021 stating that I recently opened three PNC consumer accounts on XX/XX/2021 in accounts ending in XXXX, XXXX, XXXX. I DID NOT. My name and address was stolen off of the XXXX The State of New York website last XX/XX/2021. My name and address was being used to try to file additional claims. I had my credit frozen immediately for 1 year. I just spent over an hour on the line with customer service with PNC Bank call center at XXXX with a XXXX who instead of reporting a fraud claim was asking me questions such as my birthdate ( which I gave him ) and my social security number. At that point a red flag flew up and I stated absolutely not, you are not getting my social security number, as your bank just opened 3 accounts under my name and old address without it and I do not know of this bank or trust you. He then stated that it would be up to 30 for a fraud specialist to call me back. He also has my cell phone number now. He finally gave me a file number of PNC XXXX, after I became upset because these accounts would be open that entire time. He told me to go into a branch in XXXX XXXX XXXX to close them if I wish. That is 300 miles away from where I live, and I am petrified at this point that he and the PNC Bank are even legit.
Consumer complaint received 2021-12-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

XX/XX/21 I initiated A transfer from my Wells Fargo account to my XXXX account for the amount of {$900.00}. The money was withdrawn from my Wells Fargo account but never appeared in my XXXX account and still hasnt as of today ( XX/XX/21 ). On XX/XX/21 I filed a claim with Wells Fargo and was told that I would be receiving a credit for the amount of money I was missing if nothing was resolved within 10 business days. I called again within the 10 business days to see if any information had been found and was told that nothing had been resolved, but again I would receive a credit for the amount of money I was missing if nothing was resolved within 10 business days. On the 10th business day, upon not receiving the credit for {$900.00} that I was missing, I called Wells Fargo and was told that I had been misinformed by both representatives I spoke to earlier and that I would not be receiving a credit. I was also told that the only inquiries done by Wells Fargo was an attempted phone call to XXXX on the ninth business day. I received a letter in the mail from Wells Fargo stating that my claim has been closed and I am still out of my {$900.00}, over a month later. Today ( XX/XX/21 ) I called Wells Fargo asking for clarification about the closing of my claim and asked if I was just out of the {$900.00} I attempted to transfer and they instructed me to call XXXX and give them a trace Number. When I called XXXX and explain the situation to them and told them that I had a trace number to give them, the lady was confused and said that its some thing that Wells Fargo should be dealing with since it is essentially a missing payment. Nobody can tell me anything about where my money is and I am still out of {$900.00} over a month later. I have had to take out a loan to be able to afford my rent, bills, and everyday necessities due to not having this money. After this is resolved I would like to close my account with dwells Fargo because this is ridiculous and I am never dealing with something like this again. I have been robbed.
Consumer complaint received 2021-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC (NC)

this is for genesis card services. company is just a scam. also i was a victim of fraud and id theft. i filed an ftc id theft report and a police report not too long ago. i would like for this company to remove my account and delete from credit bureaus. i dont want anyone accessing anything in my name or using my social security number.
Consumer complaint received 2019-12-19
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: NCP Finance (TX)

NCP Finance Limited Partnership have called me several times pretending to be someone coming to serve me papers about a debt I supposedly owe. I have voicemail messages to verify this. They have also called my grandmother, pretending to be a judge with my casefile looking to discuss my case with me. The one time that contact was made, I was spoken to very aggressively and in a condescending manner. I was never told the details of the alleged debt, as they were too busy trying to scare me into making a payment right a way and threatened to sue me if I did not.
Consumer complaint received 2021-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is not a duplicate complaint. There are multiple problems with one account that is being overlooked and mishandled consistently. I disputed the Department of Education XXXX account many times for violations of the FCRA to all three credit bureaus over the past year. Each time, The Department of Education XXXX has continued to inaccurately report Balance information to XXXX XXXX and Transunion. The Reported Balance is {$7200.00} The Highest Balance Reported is {$5400.00}. Stating I have paid off -35 % of the debt. It should be PROPERLY reported as {$7200.00} IF that is my balance. I have been sent MANY different letters of what my real balance is and this company is reporting ANY Amount to my credit report is a violation of my consumer rights. XX/XX/2021 Department of Education XXXX reported an increase in debt of {$1800.00}. Each month that I have EVER made a payment, the balance never decreases because the US Department of Education XXXX does NOT know how to properly report information and be a qualified furnisher of information. The Entire account Being Reported by The Department of Education XXXX is inaccurate and has affect my personal credit report tremendously.
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) : # 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 2022-12-01
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: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified inquiries listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These inquiries must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-22
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: EQUIFAX, INC. (NY)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2021-12-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (OR)

Overview : Chase is my loan servicer, but not my escrow company. Chase chose to pay my property tax bill without contacting my escrow company, who had already paid the bill. Now Chase has overpaid my property tax bill. I contacted Chase as soon as I received the notification of a {$500.00} increase in payment and notified them of their mistake in XXXX. I was assured this would be resolved before XXXX when the increase of {$500.00} per month would be applied to our payment. In mid XXXX nothing had been done and I reached out again. After some digging I found out Chase hadn't done anything to resolve the issue. After my call they finally contacted the county for a refund, but it will not go out now until XX/XX/XXXX. Chase has informed me I may now be expected to pay that increased payment for 3 or more months. 

They offered an odd solution of partial payment that concerns me and as of today my case officer, XXXX, ext XXXX, is no longer answering to even assist with this solution. 

Timeline : XX/XX/XXXX - Chase bank took over servicing our loan. 
XX/XX/XXXX - property tax bill was sent XX/XX/XXXX XXXX XXXX our escrow company pays the balance in full XX/XX/XXXX - Chase bank pays the tax bill as wall XX/XX/XXXX- I am notified my payment will be increased by {$500.00} a month because of this over payment XX/XX/XXXX - I contact Chase of their mistake. 
XX/XX/XXXX - I receive notification from Chase that our county has notified them over the over payment XX/XX/XXXX - XXXX still hasn't been resolved and I contact Chase. 
XX/XX/XXXX - I am told I can do a partial payment but that the payment will not be adjusted to the correct amount. 
XX/XX/XXXX - I contact my county payment department and am told Chase didn't request a refund until the day prior and payments only go out on the XXXX of month. 
XX/XX/XXXX - Multiple calls with Chase no longer account for the agreed to payment. 
XX/XX/XXXX - stopped contacting chase and filed complaint.
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

DECLARED BANKRUPTCY IN XX/XX/2021 AND THE CREDIT REPORT AGENCY ARE SHOWING DELINQUENT AND STILL OWES WHEN TRYING TO GET CREDIT BUILDER CARDS AND REPORTING STUFF INCLUDED IN THE BANKRUPTCY THEY ARE TARGETING ONLY PEOPLE THAT HAVE DONE IT PRO BONO. ATTORNEY HAS HAVE SIMILAR CASES AND TOLD ME TO REPORT. IN XXXX FEDERAL COURTS DISCARDED. THEY HAVE RECEIVED COPIES AND REFUSE TO ADHERE TO FEDERAL GUIDELINES
Consumer complaint received 2022-05-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (IL)

I received a Coinbase XXXX  card in the mail today but I never applied or requested one. I don't have any cryptocurrency and didn't even know what Coinbase was. An account must have been created fraudulently in my name. I called the cust. service # on the information provided with the card but the automated system will not connect me with a live agent because the phone # I'm calling from does not match a Coinbase account. I also submitted a support form on their website and received an email advising they can not help me because my email address does not match a Coinbase account. I also submitted a request using XXXX to their XXXX account @ XXXX, but have not received a response. 

I had my wallet stolen a few months ago and placed a fraud alert with the credit bureaus. 
I'm concerned this may be an ID theft attempt. I pulled my credit reports today and did not see any suspicious activity.
Consumer complaint received 2021-12-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (FL)

I am being harassed by Radius Global Solutions. I'm not sure who the original creditor is. I went through a rough patch and the debt on my credit report seems to have been sold to company after company. I had asked them to stop calling me when they first began calling. I had to block them. And still call after call comes up on my phone. They use different numbers. I have several screenshots of my call log for 3 of their phone numbers which do all come up Radius Global Solutions. 

I am getting physically ill over all of this. I have too many problems on my plate as it is. Especially with the never-ending covid hindering my finances, I'm barely making ends meet. 

*You should have 6 different screenshots attached containing the most recent call logs of 3 of their phone numbers. Thank you. 

**This is not the original debtor. I'm unsure who is. I must choose " I don't know '' on the next page as I can not move on without the original debtors name. I'm noticing on my credit report the debts are sometimes sold off more than once, and only list the most prior debt collector. That makes it confusing, it comes to the point where you don't know what the debt is, if it's really yours, etc.
Consumer complaint received 2015-04-17
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (FL)

Since XXXX XXXX I have been working to resolve an inappropriate charge with XXXX XXXX XXXX, without success. In XXXX my account was sent to Transworld Systems Inc. debt collection agency. I contacted one of their representatives, XXXX XXXX, on XXXX/XXXX/XXXX in order to dispute this charge and was told that they would send a verification request to XXXX XXXX to verify these charges were correct. I never received further communication from Transworld. In the meantime I have been in further contact with the Patient Liason at XXXX XXXX. On XX/XX/XXXX I was told my account had been sent to the auditing department and I should hear a result in a few days. On XX/XX/XXXX I was told my account was still in audit but the debt collection agency had been notified and my account was placed on hold. This was the last communication I have received. On my XXXX XXXX credit report the Transworld debt has been reported, despite my account supposedly being on hold and neither company contacting me further. I have attempted to contact XXXX XXXX and still have not received a call back. I called Transworld who referred me to their credit report department, but every time I call that number I receive a busy signal. This incorrect charge has now impacted my credit score, despite my best efforts to resolve the issue, and neither company is working with me to resolve the issue.