davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-22
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. (TN)

I recently filed a dispute with the credit bureaus regarding inaccurate information reporting on my credit report. I disputed a public record that contain inaccurate information. I received letters that the information was verified and to contact XXXX XXXX XXXX. 
after a thorough investigation, the public record has been removed and deleted from my XXXX profile. XXXX initiated a dispute on my behalf and have not gotten a response back from the credit bureaus. 


chapter XXXX bankruptcy- XXXX
Consumer complaint received 2021-03-22
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. (WA)

A balance is reporting on my XXXX by XXXX account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. I have tried to resolve this issue directly with XXXX by XXXX and they have failed to correct it.
Consumer complaint received 2021-03-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc. (LA)

I have tried several times over the past few years to resolve this matter with NCB and was told it would be dropped from my credit file. I have tried for several months to reach this company by all major credit bureaus and have filed disputes, by phone, letter, and email. but the company will not respond to my request to have this removed from my credit file although I do not owe a debt to the company and the credit file reflects a XXXX negative balance.
Consumer complaint received 2021-03-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: BANKERS HEALTHCARE GROUP LLC (WA)

I got a loan from BHG and the payments was going to be on the XXXX of every month the due date. A company by the name of XXXX XXXX XX/XX/XXXX XXXX not the one as we know it XXXX but an inside company of BHGs was aloud to collect the payments of {$1300.00} on every due date. This company did not collect on XX/XX/XXXX as they where suppose to do so. At some point the inside company XXXX XXXX XX/XX/XXXXlet BHG know they could not collect the pymnt from my checking account so BHG went into my checking account and collected it for them as they did not had any permission to go into my account to collect as it was assigned to this inside company XXXX XXXX XX/XX/XXXX. BHG went and collected on XX/XX/2021 for {$1300.00} but at the same time XXXX XX/XX/XXXX never called me to let me know they couldnt collect the money and had BHG do it for them but then XXXX XXXX XXXX never let BHG who did not have permission to get into my bank account and collect tell them that they managed to collect the {$1300.00} on XX/XX/2021 so they charged me twice within about 24 hours of each other but then BHG needed proof that there was a double dip and after sending proof they kept the money for three days leaving me absolutely devastated in my bank until XX/XX/XXXX so I couldnt pay bills as I needed to. Then they said again the pmnts would be collected by XXXX XXXXXX/XX/XXXXon the first of every month but the first came and gone with no collections. On XX/XX/XXXX BHG who again had no permission to enter my checking account pulled the money out for {$1300.00} and then on XXXX XXXX XXXX XXXX XXXX also pulled the money for {$1300.00} for a second month in a row double dipping into my account. And again the original collector never called me and let me know that they couldnt collect so again they left me in a worst way financially wrecked. Again it took 3 days to return my money to me and I blocked first national bank per my attorney so they could not get back into my checking account. Although BHG refunded my {$25.00} block pmnt money and sent my {$150.00} gift card for the problems which was nice the problems have not stopped. the money was due on the first of XXXX with BHG only aloud to collect money for the pmnt it is now XX/XX/2021 and they have not pulled any money. I have also in XXXX asked for all the application paperwork to my loan and asked for all the signed paperwork with the interest rates payment dates and pay off date and how I received the money from them when I called them. They told me that they have no information on my loan and can not provide any paperwork or history of my loan as they have non. I sent them an Email on Thursday last week and asked again for all information and they have not responded to me. I also can not provide a loan number as they have never given me any information on my loan and have refused to.
Consumer complaint received 2021-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Good day, i recently check my credit report because i am trying to get a house for my family and i saw a few accounts on my profile that i have no idea about XXXX  XXXX XXXX and XXXX. There are a good amount of credit inquires on my credit without my knowledge, It was done by fraud because i did not authorized them. I reach out to the credit bureaus regarding these accounts and they explain to me that i need an FTC report. I am a victim of identity theft. Absolutely none of the accounts listed are related to any purchases done by myself. I am asking that these accounts be delete from my credit report as soon as possible
Consumer complaint received 2021-03-22
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. (NV)

These are not my accounts as someone opened up these accounts with my social security number and another name. These accounts do not belong to me, nor do I have a contract with anyone of them. Please remove these accounts from my credit profile in it's entirety.
Consumer complaint received 2018-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (NY)

My credit report shows that i have multiple credit inquires which i never inquired about. I called the companies and they dont have any idea on how my credit was pulled. 


1. XXXX/XXXX  - XX/XX/XXXX 2. Brclysbankde - XX/XX/XXXX 3. Brclysbankde - XX/XX/XXXX 4. XXXX - XX/XX/XXXX 5. XXXX - XX/XX/XXXX 6. XXXX XXXX - XX/XX/XXXX these are the hard inquires that were pulled from my credit report that i never gave permission to do so.
Consumer complaint received 2021-03-23
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. (TX)

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 50 days later I have not received a response yet. I feel like I am being taken advantage of and ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you caused me.
Consumer complaint received 2021-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

For the past 2 months I have been sending the proof of the validation letter for the debt that they are collecting from me that I never owned to that collection agency. The letters that I have been receiving from PORTAFOLIO RECOVERY are not proof of any debt, they haven't sent me a copy of the original agreement bearing signature or any copies of the original paperwork regarding the account.
Consumer complaint received 2021-03-23
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. (TX)

Please remove All Authorize user accounts off my credit and the address that is attached to it these are not my accounts. It has been over 70 days when I reported this information I would like it removed or I will have to file for litigation
Consumer complaint received 2021-03-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (MN)

I am having really hard time with the Gemini Crypto Exchange ever since I signed up with them 3 months ago I haven't been verified and can't get an answer from support as to WHY. I've called them multiple times, emailed them multiple times and nothing. Just an automated response on both accounts There customer support is non existant! 
PLUS I have had over a {$1000.00} transfer from my bank and now can't trade or move the money, no matter what I try.
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AK)

I have very good credit ( score XXXX ). I am trying to apply for a car loan with my daughter and have been told by XXXX that it was denied because Experian was unable to verify my identity. According to XXXX, Experian has a " mismatched report '' on me that only Experian can resolve. I have tried multiple times to call Experian to speak to a representative about this to no avail. It is impossible to get a person on the phone at Experian XXXX XXXX XXXX despite trying every menu option available. Meanwhile, the credit " unfreeze '' timeframe that I placed on my account has passed, and I still do not have this resolved nor was I able to get a loan against my very good credit. 
Furthermore, XXXX representative told me that Experian is the worst for this issue - and that it is very difficult to talk to an Experian representative. This is unacceptable. Could you please help me resolve this? Thank you. 
Sincerely, XXXX XXXX
Consumer complaint received 2017-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc. (IL)

I have never been a tenant at XXXX XXXX or Carter-Young.  The account and debt collection does not belong to me. This has been on my credit report since XXXX and Ive been disputing it ever since. This false debt collection has hindered me from being able to get an apartment in XXXX.
Consumer complaint received 2019-12-21
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: CARRINGTON MORTGAGE SERVICES, LLC (CA)

Sometime in XX/XX/2019 I made the mortgage payment through Carrington 's website. The next time I signed in to pay my XXXX payment, I received a prompt that my mortgage was going into foreclosure. I called them immediately and they said I had not made XXXX 's payment. I checked my bank statements and realized the money was never transferred. I made the payment immediately and made both XXXX and XXXX payment. My credit score has dropped over 100 points because of this. I made multiple attempts to get this resolved. 

In addition, on my XXXX report it states I was late in XXXX and XXXX of 2019. I called Carrington about this and they said there were no late payments in XXXX or XXXX on my records. I asked them if can they provide proof of my on time payments so I can clear it with XXXX. They said they will not send me anything.
Consumer complaint received 2021-03-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (GA)

I purchased crypto with my debit card on XX/XX/2021. A few minutes after the purchase it showed that I received a notification that the transaction was cancelled and stated that I should order again. Yet, I checked my bank and it showed the transaction as pending. I figured it was just one of those longer pending cancellations that would cancel in 1-2 days. So, I decided to wait and not try purchasing from them again. 
4-5 business days later, I log into my account and it shows that the transaction had indeed cleared my bank. 

On XX/XX/XXXX. I tried e-mailing customer support and contacting them on social media. I then got a response asking to check if my bank is blocking the transaction. My bank was not blocking the transaction otherwise the transaction would have rejected right away and it showed that it had cleared my account. 

As of today the debit card transaction has cleared, they have my money and now they will not allow me to withdraw the full currency that I paid for. They have stopped responding to my e-mails and DM messages on twitter. There are many others also having the same problems as me. I just want what I paid for.
Consumer complaint received 2022-01-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Strategic Alliances, Inc. (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Consumer complaint received 2022-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

Been being pacified by dealing with a front-line complaint processing agent and have requested to speak with higher levels of management to address my concerns and resolve my issues. Was advised call back from XXXX XXXX in the XXXX XXXX Iowa office over a week ago with no call back. I am now requesting to speak with XXXX XXXX Head of Wells Fargo Home Loans Servicing in the XXXX XXXX XXXX office. My concerns and requests are being discounted as they are out of the normal scope of business and outside the capabilities of those addressing my complaints - I want to have this addressed by someone that has the abilities to resolve my issues and my requests are being squashed and discriminatorily being considered because of my continued push to escalate and file complaints until resolved, which is also retaliation by the lender. I want to speak to the head of Wells Fargo lending about this situation and have my loan servicing provided by an ethical and reputable company, which is obviously not Wells Fargo.
Consumer complaint received 2021-03-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Prince Parker & Associates (TX)

I received a missed call, called the number back and the person that answered ( XXXX XXXX  ) did not verify me correctly, did not state the mini-Miranda before disclosing the information..after I asked him not to call my cell phone anymore he stated its ok, well just report this on your credit next week to which I replied that was fine and ended the call. I then called back several times, on one occasion the same collector answered the phone and hung up on me when I asked for his supervisor..all other calls were also hang ups with nothing said. I called again and spoke to a supervisor and explained to him what happened, he then placed my call through to XXXX XXXX who said he would pull the call and listen to it. I called back and spoke to Mr. XXXX and he said he had listened to the call and the collect was written up.
Consumer complaint received 2021-03-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc. (TX)

They signed me up for a {$1000.00} loan but only lended me {$300.00}, then held {$700.00} in escrow with their company. On the payoff, I paid them {$1100.00} ( having only borrowed {$300.00} ) on the premise, the {$700.00} would come back to me in my account in 2 business days. That did not happen and the agent on the phone said it would take 7-9 MORE business days to give me my money back. This is theft
Consumer complaint received 2021-03-22
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (FL)

Loancare, XXXX XXXX, and XXXX  XXXX XXXX has refused to refund me {$2100.00} for overpayment of property taxes during VA Refinance done on XXXX XX/XX/2020 Loancare, and XXXX XXXX knew that my property taxes were already paid, in full, on or around XXXX XX/XX/2020, and Loancare, XXXX XXXX, and XXXX XXXX XXXX withheld {$2100.00} from my closing, refused to refund it back to me, knew that it was wrong, and after 25-30 phone calls and 5 letters later, has continued to give me the runaround and refused to refund my overpayment. Today I spoke with XXXX, and XXXX XXXX at XXXX, and Loancare-XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2021-03-22
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. (SC)

I finally paid off my last debt months back n none of the three credit bureaus will accept my paid in full receipt! I have been fighting their games for years n I am finally in a position to change my life, n the credit bureaus r holding me back by not allowing me the chance to become debt free! Made r tried to make complaints in the past, which r really useless when you receive the typical canned response to check a box n make me go away!
Consumer complaint received 2021-03-22
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: Santander Consumer USA Holdings Inc. (CA)

I XXXX XXXX XXXX have been dealing with this debt collector for a few months now and they continue to violate the statutes I have listed below. 
15 US code 1681a # 4 - respect the consumers right to privacy, these companies have infringed my right to privacy after explaining to them that is not my debt they continue to update my credit report monthly.

15 US code 1692a- The term debt means any obligation or alleged obligation, i have explained to this company that this debt is not mine.

*15 USC 1692f- Communicating with a consumer regarding a debt by post card, post card in others words means to bring notice or attention to the public ( credit report ).
Consumer complaint received 2021-03-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

There is a Bank of America Credit card account which erroneously shows up on my credit report. It has nothing to do with me and I am not associated or authorized on this card. It was evidently opened in XX/XX/1999 in the names of XXXX XXXX and XXXX XXXX. There is a running balance of close to {$6000.00}. I have verified by phone with Bank of America that my name is not associated with this card - and I am NOT an authorized user. I have also verified this in writing with the card holder XXXX XXXX. 

Despite my having disputed this card account with XXXX, I was not able to get an accurate/favorable resolution. XXXX says that they cant do anything and it will stay on my credit report - even though I have never had this card and I am not associated with it in any way. 

Because of this, I was not able to qualify for the recent refinancing of my home. I spent six hours on the phone with XXXX  and Bank of America to resolve this, but XXXX  refuses to do anything. All of my credit card accounts have a XXXX  balance or are paid in full monthly. This card with Bank of America has a high running tab - which evidently is used for XXXX XXXX College Expenses. 

Please help me get this taken off of my credit report. No other credit agency includes this card. It is an erroneous inclusion by XXXX.
Consumer complaint received 2021-03-22
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. (CA)

There are 8 inquiries on my credit report that do not belong to me I have not inquired for any of these I need these off my report. 

Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX  XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX
Consumer complaint received 2021-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are 8 inquiries on my credit report that do not belong to me I have not inquired for any of these I need these off my report. 

Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  Inquiry Date : XXXX XXXX, XXXX Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX