davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-04
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. (FL)

Experian credit company reported incorrect negative information about my credit to XXXX XXXX when I applied for an XXXX credit card, causing XXXX to deny my application for a card. 

Early XXXX, 2022 : I Apply for XXXX credit card XX/XX/2022 : XXXX denies credit card citing negative report from Experian due to negative comment from XXXX XXXX XXXX XXXX Approx XX/XX/2022 : I Call both XXXX and Experian and complain that my credit file DOES NOT contain any negative info, and I have never done business with XXXX XXXX XXXX XXXX I report that someone has made a serious error. All my entreaties to both companies to correct the misinformation are ignored. 
XX/XX/2022 : I write to both Experian ( via letter ) and XXXX ( via email ) repeating my claim that the negative reporting about me is incorrect. XXXX ignores my email, Experian sends me a copy of my outstanding credit report ( XXXX + ) and ignores my request to fix the error in their reporting. 
XX/XX/2022 : I send 2nd letter to Experian ( copy attached ) demanding that they correct the misinformation that they have reported about me.
Consumer complaint received 2020-09-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Key 2 Recovery, Inc. (VA)

Key 2 Recovery has been calling me to collect a debt on behalf of XXXX XXXX   University, a college that I did not attend and that I owe no money to. I have explained this to the collection agency and was told repeatedly that they would get XXXX to send a validation letter, but in many months, this has never happened. The collection agency continues to call at a harassing frequency and claims that our past conversations haven't taken place. 

On XX/XX/20 I called and spoke with XXXX XXXX about not receiving the validation letters I've requested many times and she said her records showed that " we talked about it '' but that I never told her for certain to go ahead and request a validation from XXXX. This was one of many conversations about this exact issue that we have had with one another repeatedly. Such deceptive record-keeping seems to be responsible for the many unanswered disputes and continued collection activity for charges I have never made. 

I need help making sure that this company, Key 2 Recovery, releases me from this invalid debt. Despite my efforts, their communications with me have been wholly dishonest, and I am afraid this will continue for years without any intervention.
Consumer complaint received 2022-04-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (IL)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it reflect in my credit report that can harm my credit credentials. I attached some screenshot of the report that might be your guide that there are discrepancies on my accounts because of the inaccurate details in the other bureau. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  / {$4100.00} / XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX / {$3900.00} / XX/XX/2022 XXXX XXXX XXXX  {$2100.00} / XX/XX/2022 XXXX XXXX XXXX {$760.00} / XX/XX/202XXXX XXXX XXXX XXXX  {$1200.00} / XX/XX/2022
Consumer complaint received 2019-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I have called XXXX XXXX  on multiple occasions and they are always telling me that they cant pull up any information about a account for me..This account was fully settled but reports getting screwed around by everyone who was involved with this account.It seems that none of the credit bureaus are doing a proper investigation on this account because every time I call XXXX XXXX  they cant even pull up an account for me.My disputes are always coming back as VERIFIED but by whom because all I get from XXXX XXXX  is I cant pull up the account. Somebody somewhere is not doing their JOB correctly and I have had enough of the XXXX.. THIS IS AN ACCOUNT THAT I PUT UP MY OWN MONEY TO OPEN AND MY CREDIT REPORT IS BEING RUINED BECAUSE EVERYONE INVOLVED SEEMS TO JUST DONT CARE..
Consumer complaint received 2022-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX I submitted an online dispute for multiple charges on my card which was placed by a vendor I had cancelled my two contracts in writing per the vendors cancellation policies on XX/XX/XXXX. According to the contract with the vendor it would take 30 days for the contracts to terminate. On XX/XX/XXXX my card was charged twice for {$50.00}. I submitted the cancellation information provided to me by the vendor and the written emails which were sent on XX/XX/XXXX to cancel the contracts. 

On XX/XX/XXXX I received two notices ( one for each charge ) from Wells Fargo stating that they had declined to dispute the transaction because the merchant had no record of our cancellation and that they had no authority to cancel our contracts. The vendor replied to Wells Fargo that we inquired about cancelling the contract but that we failed to actually do so and they sent the contract which shows that written communication, which can be accepted by email, is needed to terminate the contracts and within 30 days the contract will terminate. I provided Wells Fargo with a copy of the vendor 's cancellation policy and the written notice we submitted to the vendor on XX/XX/XXXX. The vendor is using a malicious and deceitful tactics to prey upon their clients and Wells Fargo is not doing their due diligence to protect me and other consumers from malicious companies as they have ignored all written evidence provided to them. The vendor will not cooperate with us over the phone or through written communications and now Wells Fargo is allowing this unethical business practice to proceed.
Consumer complaint received 2019-04-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (TX)

I have had some health and financial setbacks in the last 2 years. I have been trying to get a loan modification from Ditech for over a year and a half. However here in the last month they have agreed to give me the Flex Modification which lowers my payment by {$200.00}. I tried to negotiate a lower interest rate but was refused. Currently I have 18 years till the loan is paid with a 4.37 rant. The mod offered will keep my current rate but extends the terms to 40 years. I really could not understand the 40 year extension and really don't want to sign to the extension. Also in the modification documents there's a clause that states I have to get written consent from the mortgager to sell my house, I wanted to know why such a clause was stated in the verbiage. If I should sign this modification, I don't want this clause to interfere with me refinancing in a year. I have talked to Ditech representatives which says I can refi at any time but will not state this in written in the documents. Ditech will not remove the clause stating I have to get written consent prior to selling my house. 
Also Ditech sent me letters that state they loan is being transferred. I have receive welcoming info from the suppose to be new servicer. Then Ditech called me to say the loan is not being transferred. I really don't who to believe considering all the bad reviews listed about Ditech. Ditech has filled bankruptcy twice in the last 2 years. Where do this put me and my loan perspective.
Consumer complaint received 2019-06-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Circle Internet Financial ()

Poloniex.com seems to be one of the major cryptocurrency exchanges around the world. 

Please check their statement https : XXXX because of their judgemental mistake they are taking 16 % principal of the balance of each btc customer XXXX The supposed reason is that clam market crashed ( clam is another cryptocurrency ). 

Lending btc in the mind of the customers is about lending btc and not about lending any other smaller coin. Nowhere on their site they are mentioning that btc can be used as a margin for any other coin. 

Moreover, it seems that lenders are the easy taget and they are not taking their losses from them, not from their profits nor from the margin accounts. 

Finally their main page they are claiming that the have insurance for such cases. 

IN my case they pirate/stole/got away from my balance XXXX btc which is right now a little above {$2500.00}
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I called XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXX Spoke to a rep that stated if I paid the 7 year old account in full they would remove it. I have paid it in full and the account still remains active and derogatory .And to add to that it also continues to reports " FP '' ( failure to pay ) which is equivalent to a late on my report each month. It continues to bring my credit scores down and is damaging my prospects of buying a house. XXXX XXXX is a 7 year old account and should not be reporting late and incorrect information.This account has continues to change balances from month to month. There are 2 derogatory XXXX XXXX  account reporting to my credit report. 

World finance is a 7 year old account and should not be reporting late, and in error. 
I would like this account removed or all errors removed and updated from my account for the past year.
Consumer complaint received 2022-04-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: BANK OF THE WEST (NV)

I was supposed to receive two different XXXX ( real time ) deposits. I received the email confirmation from XXXX and the issuing parties that the funds were sent and should be available immediately. It has now been more than 24 hours and my funds have still not posted. I have called the online bank 9 times within the past 24 hours and have waited on extended holds exceeding 2 hours. Once I received a live person he told me I reached the wrong department and had to transfer me to the online department. I waited another 50 minutes for the phone to just disconnect. Each time I call and the call reaches about 90 minutes on hold the phone disconnects. I am unable to get help with my concerns. I went in person to a local branch and they were unprofessional and did not want to investigate my inquiry. This bank has had many unethical business practices in the past such as not posting funds when available, overdraft fees for items that were still in a pending status, etc. I have conducted a lot of business via XXXX and never had a problem receive my funds in a timely manner with other financial institutions. Bank of the West is unethical. Im sitting at a branch now and nothing appears to be getting resolved.
Consumer complaint received 2020-09-16
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. (NE)

My credit score has been consistently fluctuating by large numbers ( up to XXXX points at a time ) since XXXX of 2020. My Transunion report states that my Federal Student Loan balance ( Serviced by XXXX XXXX XXXX has increased by upwards of {$2500.00} and the following month decreased by the same amount which shouldn't happen due to the fact that my student loan payment comes out of my payroll and is matched by my employer. Transunion has decreased my score by XXXX - XXXX points everytime XXXX has reported my balance increasing ( which is inaccurate because my balance hasn't increased and i've never had a late payment ) but when XXXX reports my balance decreasing, the points are not given back. My credit score SHOULD NOT BE FLUCTUATING due to my student loans. I have contacted both Transunion and XXXX. 

Transunion - When i contacted the company, i received THE WORST CUSTOMER SERVICE i have EVER experienced. That is saying a lot, considering i have been employed in customer service and loan servicing industry my entire adult life. Not only was the agent rude and combative, but he then explained that there was absolutely nothing he could do for me. When i asked to speak to his supervisor, i was placed on hold for 5 HOURS! Unbelievable! Unacceptable! 

XXXX - The customer service agent was very nice and helpful but i was told that there seems to be nothing wrong with my account and he didnt understand why i was being negatively reported. 

This situation is in direct violation of UDAPP and FCRA guidelines. I have been dealing with this issue for 8 months and, quite frankly, i don't understand where the issue lies. I need this issue to be resolved as it is adversely affecting my ability to live in today 's society as a single individual. Please help me.
Consumer complaint received 2022-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (NJ)

I, XXXX XXXX, a federally protected consumer and NATURAL PERSON, has been disproportionately VIOLATED by Navy Federal Credit Union. I opened my NFCU account in XXXX and in the beginning of XXXX NFCU made an unlawful decision to not send me an updated card and close my credit card account. At that point I had not fallen behind on my account so I was totally confused and completely stressed about their poor decision. It was at the peak of the pandemic and to make matters worse NFCU began taking money out of my checking account to put towards this closed credit card account causing overdraft fees. NFCU closed closed my account and negatively reported an unvalidated debt without my permission, which was of no benefit to me violating the Consumer Credit Protections Act. Pursuant to 15 USC 1601 ( a ) these laws were put in place to protect the consumer against inaccurate and unfair credit billing and credit card practices. Performing actions on a consumer account without their permission is undermining congress. 

NFCU repeatedly called/ texted me, took money from my checking account causing other bills to go unpaid. My consumer rating took a major hit because now this closed account is making my utilization high making it hard for me to get financing for a reliable vehicle to make it back and forth to work to maintain a living for myself and my family. I now know my rights and I am done being being violated and I demand remedy for the unnecessary stress and mental anguish this credit union has caused me.
Consumer complaint received 2020-09-16
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: Experian Information Solutions Inc. (NY)

I contacted the bureaus to dispute some negative accounts that happened to be reported on my credit report. As it turned our, we dispute the accounts on XX/XX/2020. It has been more 45 day, and I have yet to receive anything in the mail. Please note that, according to section 611 of the FCRA, the bureaus are required to investigate, process, and respond to my inquiry. I am in the process of obtaining financing, but due to some of these inaccurate accounts, I haven't been unable to do so.
Consumer complaint received 2016-05-12
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ORG GC GP BUYER, LLC (CT)

I am currently disputing multiple errors on my credit report, and have been threatened in the past for bank accounts I do not have. I have been called from XXXX to XXXX daily for months by a man giving his name only. He will not tell me what the debt is regarding, and has refused to tell me anything until I give my full address and verify my full name. I have no idea who this man is, and he calls from various numbers. I told him that until he sent verification or disclosed anything about why he was calling, I could not verify my name. The most upsetting part is that I had a major accident XX/XX/2016, and have XXXX. Basically, I have had XXXX, and this one was so bad that I had to wait months before I could form sentences, and my XXXX is still recovering. This man called during this time, in XXXX 2016, when my memory was spotty. I do n't remember speaking to him except to tell him that I had a concussion and was not ableXXXX to speak well or remember, but when I checked my credit report ( XXXX ), an unknown account was charged off because of whatever I said when I was recovering from a XXXX. The date is the same, and it 's quite a coincidence. I 'm disputing the account, so should he be calling me? 
It took a lot of time, XXXX, but I believe this man, XXXX something, who last called from XXXX on XXXX/XXXX/2016, ( it 's now disconnected ), has been harassing me for some debt I can not trace, even on my credit report. I have student loans, but in deferment because I 'm XXXX, and no other debt collection calls. This is crazy! What can I do?
Consumer complaint received 2019-04-11
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. (NC)

On XX/XX/2019 I reported my Vehicle as paid off from XXXX XXXX company formerly XXXX XXXX. This information was given to Experian and XXXX via an upload of document mailed to me by the creditor and a case for dispute opened. 
Experian reported the case as resolved stating this will remain on my credit file.
Consumer complaint received 2019-04-11
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (FL)

during the month of XX/XX/2019 I was employed at XXXX XXXX  on XXXX  XXXX I was given a XXXX XXXX or XXXX XXXX card which I pay roll was deposited onto.somehow I misplaced the card so I returned to work and explained the situation to my boss.he gave me a number to call inorder to receive a new card.now this is where I encountered problems.they would ask me my name along with a physical address and ssi number.then they would ask me when the money get deposited on to the account? I told them two depoists were made during the month of XX/XX/XXXX so why can't you look up my account to see what the amount was..and at point I would be a check was mailed on XX/XX/2019 please allow 10 business days inorder to receive the funds. the total amount is XXXX but as of XX/XX/2019 I haven't received a penny.
Consumer complaint received 2020-09-16
Product: Vehicle loan or lease — Title loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FIFTH THIRD FINANCIAL CORPORATION (VA)

A forebearance plan was entered into with Fifth-Third Bank in XX/XX/XXXX due to COVID-19 related hardships. In XX/XX/XXXX, we reapplied after the 3-month initial forebearance. Fifth-Third Bank is claiming no forebearance was filed, and reported the loan as delinquent. They reported it to the credit bureaus and it has affected my credit score adversely. We have asked multiple times to pay the forbearance amount and for the incorrect report to be addressed. Fifth-Third has refused.
Consumer complaint received 2017-05-26
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. (VA)

I am having an issue obtaining my credit report with  XXXX ,  XXXX  and Transunion. I have called all  XXXX  of the companies and they have told me that there is no block or freeze placed on my credit. When I try to sign up for consumer credit monitoring websites, I am receiving messages like : " Your personal information does n't match with credit bureau records ''. I am including a screenshot o f one of the websites for review. I need to be sure that the credit bureaus have the right personal information on file for me. I have researched this issue and I have come across several one star reviews and complaints by consumers who have other perso ns ' information on my credit report and this is what causes issues like these. A bank was able to pull all  XXXX  reports for me back in  XXXX   2017  so I do n't know what has transpired since then to suddenly cause incorrect information to appear on my credit report. I am also going to include a copy of my driver 's license for the CFPB 's review with my current address and name. Please see attached.
Consumer complaint received 2020-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION (AL)

The funds in my account were frozen. I contacted Penfed and they stated due to my account being frozen they would return the money deposited into my account by the SBA back to the treasury department. This was stated to be done on XX/XX/XXXX. I contacted the SBA and the funds had not been returned and the rep I spoke with at Penfed would not answer my calls nor return my call to inform me that my money had been sent back to the SBA. I finally got a chance to speak to a rep yesterday who stated on XX/XX/XXXX that my funds had not been returned and that she would be processing them via check which she could not state when this would be done. I was told this had already been done on XX/XX/XXXX which XXXX XXXX the head of the security department had stated this had been completed only to discover it had not been completed.