davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken (NJ)

* Do not have access to my account for the last two days.

* Lost potential gains of at least US {$4000.00} so far due to inability to login to close my positions.

* Password reset doesnt work and they refuse to reset or give me a call back.

* There is no phone support.

* In the live chat, customer support claims password has to be reset manually but they haven't done that for two days.

* Have been persistently trying to talk to someone in the live chat. Average waiting time is two hours. Half of the time that I reached an agent, they say I'll get an e-mail, which I never get. The other half, the queue just resets and I go back to the end of the queue to wait for two more hours.

* As I was writing this complaint, I got an e-mail saying my account has been disable for security checks, and they won't allow me to login unless I send them an e-mail with a statement that would clear them from wrongdoing.
Consumer complaint received 2020-02-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (NY)

Originally disputed this fraudulent collection back earlier and was able to remove it from my credit report. I then later check back a week later and see that the agency added the collection again as a new one starting a new time frame along with hurting my credit significantly as I recently applied for a credit card and was notified that I was rejected solely due to this collection issue. I've reached out to the collection agency regarding this account as it shows it's from 2017 back when I was merely XXXX and unable to have opened any line of credit under my name yet they refuse to acknowledge this and continue pressuring me through letters and automated phone calls. I provided proof of my ID to show valid information that this account was opened under fraudulent methods and the things they are doing are illegal yet no action from them. I'm already thinking of filing a police report if that can somehow help me but at this point this is hurting me for something that I have no idea on what money they're trying to viciously collect from me.
Consumer complaint received 2020-02-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Coast to Coast Financial Solutions, Inc. (CA)

I was received bills from COAST TO COAST FINANCIAL SOLUTIONS, account number : XXXX, Re : XXXX   XXXX XXXX, Total due : {$20.00}, and the letter told me If I don't pay that amount they will sent me to collection and the will be effective on my credit score. 
I want to fill this claim because I did not know why I owe them {$20.00}. I want to explain I need get XXXX XXXX   every 3-4 months because i had XXXX XXXX in my body, Every time I came to XXXX XXXX office I had to pay my copay {$20.00} that amout is base on my Insurance before I was get a XXXX XXXX .If I don't pay co-payment they never do XXXX XXXX for me. 

Another thing I want to fill this claim because i don't want they sent bills to their clients with small money on bill like that with no explaining why, I think too many people they don't remember they paid or not, they don't want get trouble and they sent money to them.
Consumer complaint received 2021-06-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (NY)

I am writing this to report Sallie Mae for contacting family members that I dont even know and leaving voice mails with them about my private student Loan.

I have been out of work and struggling to pay rent and to pay my loans since corona I always paid on time and they have messed my payments up at times and admitted it over the phone and fixed it later messing up my credit.

In this instance they have called me non stop at ungodly hours and have also harassed my family members even ones I wasnt aware of their existence are reaching out to other family members sending me voicemails of Sallie Mae reaching out to them about my loans constantly this company needs to be stopped.

I have tried to call and work out lower payments but they wont budge on their payments to match up with what I can afford in any dollar amount this is a very bad company as they cant even work with people during the pandemic and you have to pay hundreds of dollars just to be in forebearance
Consumer complaint received 2021-03-09
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. (MI)

I am disputing this wrong inaccurate info on my report today I do not know what this is I contacted the creditors and credit companies but they all provided me with no information showing i gave my consent to open these accounts. 

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 2022-12-01
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. (KS)

I asked the credit report to remove accounts they were deleted 3 months ago but then just reappeared again with no clear verification method. I have no affliation to the accounts 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 U.S.C 1681. 

Account name : XXXX XXXX XXXX, Account # : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have rights to privacy.

15 U.S.C 1681 Section 604 A Section 2. Also states a consumer reporting agency can not furnish an account without 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, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) section States. 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.

I asked the credit report to remove accounts they were deleted 3 months ago but then just reappeared again with no clear verification method. I have no affliation to the accounts
Consumer complaint received 2021-06-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

I have disputed the mortgage amount owed from the first papers I received from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. The balance that they claimed was due when I defaulted was as of XX/XX/XXXX was {$120000.00}. I made payments over my monthly amounts due that were never credited to my mortgage. I made modification payments some of which Rushmore admits were applied to the loan in XXXX of XXXX. Yet the principal due as stated in the Judgement and affirmed as actual by their Attorney 's has never changed. I have repeatedly requested general ledger accounting of my loan payments and have received the same information ( WHICH IS ATTACHED ). The affirmations by the Attorney 's were inaccurate making them fraudulent statements. Rushmore proceeded with a Judgement based on false and inaccurate amounts and statements. They consistently send ledgers that are UNREADABLE. They have done nothing but discriminate against me through this whole process thinking I was uneducated by sending me account of payments I could not even read to be able to dispute payments. In one letter they admit payments were received after XX/XX/XXXX and in another, they deny they were received and want copies. If payments were received in XXXX and XXXX how did the original balance from XX/XX/XXXX never change?? The reason they sent the unreadable ledgers is because it proves payments were recorded yet never applied if any saw that this occurred the Judgement amount would be inaccurate made on false claims and statements.
Consumer complaint received 2021-04-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION (CA)

BBVA ran a {$400.00} cash bonus when a checking account was opened and certain requirements were met. 

I opened an account online on XX/XX/XXXX with promo code XXXX. The promo stated that if I made a direct deposit of at least {$2500.00} by XX/XX/XXXX then I would receive a {$400.00} cash bonus by XX/XX/XXXX. The requirement was met on XX/XX/XXXX but the {$400.00} cash bonus has not been applied to the account. 

I reached out to BBVA in writing on XX/XX/XXXX requesting a status update on the bonus. I received a response on XX/XX/XXXX informing me that I had not met the requirements for the bonus. 

I responded in writing on XX/XX/XXXX with supporting evidence showing that the requirements were met. I received a response on XX/XX/XXXX dismissing my supporting evidence without adequate explanation and informed they would no longer review my complaint.
Consumer complaint received 2024-02-12
Product: Credit reporting 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: Experian Information Solutions Inc. (FL)

I reached out to Experian numerous times over the last 6 months and have sent in my Identification and proof address and i still cant access my Experian reports. I have also called them to see why i cant access my reports and they are very rude and then i get hung up on. Also i have asked to speak to a supervisor and still nothing. Without being able to access my Experian credit report i cant purchase a car or start the process to buy my first home. If i cant buy a car i cant get to work. This is holding me up and costing me money.
Consumer complaint received 2023-03-24
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. (NY)

Recently, I did an investigation on my credit report which coused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-10-14
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. (TX)

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  Im submitting this requsest in regards to my initial dispute to the credit bureaus ( XXXX, XXXX and Experian ). I submitted a request for validation for account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not recevie a response back from neither credit bureau, after reading over my consumer laws I've determined that this is a FCRA violation and and Im requesting for immediate deletion of both accounts becuase its past 30 days and the bureaus have not responsed and also the following information was not provided. I requested each bureau to provide me with the following : What the money XXXX XXXX XXXX XXXX XXXX XXXX  say I owe is for. Explain and show me how you calculated what you say I owe. Provide me with copies of any papers that show I agreed to pay what you say I owe. Provide a verification or copy of any judgment if applicable. Identify the original creditor, as the original credotr listed is just " medical '' Prove the Statute of Limitations has not expired on this account. Show me the you are licensed to collect in my state. Provide me with your license numbers and Registered Agent or Agent of Service. Also, its has been 60+ days and no comment and/or remark have been made to my XXXXXXXX XXXX XXXX XXXX XXXX XXXX to acknowledge my dispute. Per the FCRA ; Indication of dispute by consumer. If a consumer reporting agency is notified pursuant to section 623 ( a ) ( 3 ) [ 1681s-2 ] that information regarding a consumer who was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information. This is yet another violation and grounds for immediate deletion.
Consumer complaint received 2023-03-24
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. (CA)

Experian keeps passing my accounts around and never paid me regarding the data breach. After coaxing me with promised increases on my credit score and utilizing information supplied by XXXX XXXX ( without consent ) my credit score DECREASED. XXXX is still using my data and account info.
Consumer complaint received 2022-07-24
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. (PA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account # 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 an account without my written instructions.
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

CAPITAL ONE XXXX Balance Owed : {$570.00} This account was involved in litigation and do not belong to me. I never established this account. This account was a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the account listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent account investigated and removed immediately.
Consumer complaint received 2023-03-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PENTAGON FEDERAL CREDIT UNION (NY)

Yes I am having issues with penfed bank my bank is located in XXXX XXXX XXXX XXXX. I had opened this account with XXXX XXXX Account number XXXX Routing number XXXX it was money being transferred from my XXXX account I XXXX up once a month recurring deposit for {$100.00} from my checking from XXXX too transfer from penfed checking. Apparently this service from XXXXXXXX XXXX too penfed account the alert and text never show up after the first of each month and then the account deposit shows as as negative. XX/XX/23 shows as deposit too penfed as {$100.00} and then returned XX/XX/23 too my XXXX XXXX as NSF or negative- {$100.00} the issue is the computer problem that deal with the username and password are always having issues and glitches, the password is wrong I am forced to reset my password. I found it impossible that this can happen too different banks. Back and forth,. The deposit is returned as reversed now why would I cheat myself out of money that funded
Consumer complaint received 2021-06-15
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. (PA)

XXXX XXXX XXXX Acct # XXXX I have sent several letter to the bureaus disputing this information for it is not mines. 

XXXX Acct # XXXX I have sent several letter to the bureaus disputing this information for it is not mines
Consumer complaint received 2023-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On Monday, XX/XX/XXXX, a bank holiday, this writer, XXXX  % owner of XXXX XXXX XXXX XXXX XXXX, deposited a client 's check ( XXXX XXXX on XXXX XXXX XXXXXXXX ), made out to XXXX XXXX XXXX in the amount of XXXX in the Wells Fargo Bank ( WFB ) ATM, XXXX XXXX, XXXX XXXXXXXX XXXX. Expected funds should have been released but were withheld, and after a visit with a XXXX XXXXXXXX ( XXXX ) on XXXX XXXXXX/XX/XXXX. I was given no reason for not releasing the funds. 

On this date, XX/XX/XXXX, WFB released {XXXX of the XXXX deposited on XX/XX/XXXX. A message on the online WFB webpage advised that the remainder of the funds, XXXX, would not be released until XXXX  XX/XX/XXXX. The meeting at WFB, XXXX  XX/XX/XXXX with my complaint, had WFB release the remaining XXXX} this date, XX/XX/XXXX. However, fearful of checks not clearing the XXXX XXXX XXXX account, XXXX  was borrowed from the credit line. 

This is a blatant case of the bank stealing money from a long-time small business client, the subject account opened in XXXX. 

XXXX Wells Fargo Bank, XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2016-10-12
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: FIRSTBANK (AZ)

One of the reasons given for denial for a home equity line of credit was a bankruptcy from 2004, which was due to a divorce. I have had perfect credit sense. I do n't understand how I can be denied credit when it 's too old to be on my credit report. On the application they ask if I had EVER filed for bankruptcy, not just in the last 7 or 10 years, so I divulged that I had.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

XXXX managed my refunded student loan after the student loan forgiveness act. They are claiming that I didnt make payments but no one ever contacted me and told me that my payments were due. I paid my account in full in XXXX when I realized that my the loan refund was rejected due to the Supreme Court decision. Had I known, or if I had received correspondence sooner I would have paid it in full sooner. They have ruined my credit as a result. Before this my credit was near perfect and they destroyed it. This misunderstanding should be rectified immediately.
Consumer complaint received 2022-10-15
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. (FL)

I HAVE NEW INFORMATION to support my complaint On XX/XX/2022, I called XXXX XXXX XXXX regarding my financial hardship due to COVID-19. CREDIT CARD ACCOUNT # ENDING IN XXXX XXXX XXXX I spoke with an agent, who assured me that the CARES ACT would prevent late fees and late payment reporting from being assessed. 

I then made an attempt to contact the business to find out why this was being reported. When I explained that the information was false and that I had been promised that the late payment would be removed and the late fee waived, the representative said she couldn't assist me and that I would need to contact the consumer reporting agencies to file a complaint in order to have it removed.
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/2019 - A recent class action lawsuit accuses Capital One of forcing their customers to pay interest on ... affirm these common sense understandings, but Capital One 's actual practice does not. ... Capital One Bank ( USA ) NA, Case No.
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Receivables Performance Management, LLC (TX)

XXXX XXXX XXXX XXXX XXXX XX/XX/2019 - A recent class action lawsuit accuses XXXX XXXX of forcing their customers to pay interest on ... affirm these common sense understandings, but XXXX XXXX 's actual practice does not. ... XXXX XXXX XXXX ( XXXX ) XXXX, Case No.
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX  XXXX XXXX XX/XX/2019 - A recent class action lawsuit accuses XXXX XXXX of forcing their customers to pay interest on ... affirm these common sense understandings, but XXXX XXXX XXXX actual practice does not. ... XXXX XXXX XXXX  ( XXXX XXXX XXXX, Case No.
Consumer complaint received 2016-10-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company (CA)

On XXXX/XXXX/2016, I notified Freedom Mortgage about my financial hardships and that I wished to go through the loss mitigation process. I received a loss mitigation package from them requesting that I sign a few documents and send back some documentation as well. I forwarded the package back to them via email on XXXX/XXXX/XXXX once I finally received the package. Included in the package was a hardship letter ( per their request ) to explain the hardship I was experiencing. The letter also explained my situation regarding banking accounts. On XXXX/XXXX/2016, as I caled in to make a monthly mortgage payment, I asked if loss mitigation had any news for me regarding my request for modification. I was told by the rep that took my payment, they still needed all pages from my bank account. I explained for the 3rd time, that I did not have a bank account as stated in the letter ( obviously they have not read ), so stop asking and let 's move forward. That rep stated that she was going to notate that on my loan and have a manager review it to get the ball rolling. 

It has now been more than 30 days and they have stopped all communication with me. I spoke with a rep today as I was making another monthly payment and she stated the same thing about the bank account documentation. It is as if they are delaying the process on purpose so that they can foreclose on the home.