davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I was checking into my credit report and saw some derogatory remarks ( one was Bank of America, that is set to fall off this XX/XX/XXXX ) that were ready to fall off in a few months. I had read that I could dispute these to try to get them off earlier, so I did most of them online. I didn't think I could dispute online with XX/XX/XXXX, so I actually called Bank of America to see if they could release it early and, of course, they said they couldn't help me. But, I learned that after this phone call, Bank of America changed my derogatory from " Settled at less than full balance '' to a " Charge off, '' which immediately lowered my credit score 65 points!!! I think this is unfair and is hurting me getting loans and credit! I called them back to try to get it changed and they said they couldn't, of course. I have since been trying to get it disputed with XX/XX/XXXX, but still it's reflecting badly on my score. I will upload the credit file showing the Bank of America report BEFORE the change, and another one after the change.
Consumer complaint received 2019-08-16
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 — Their investigation did not fix an error on your report
Company: Specialized Loan Servicing Holdings LLC (MO)

Loan # XXXX XXXX XXXX My loan was sold, transferred from XXXX XXXX XXXX XXXX. to SPECIALIZED LOAN SERVICING ( SLS ) XXXX, XXXX. I received no notice of this transfer either in writing or by phone. I continued to make payments, on time, to XXXX XXXX through XX/XX/XXXX, when I was notified by my bank onXX/XX/XXXX that my last payment of XXXX was returned. 
Spoke with a representative at Loancare XX/XX/XXXX regarding status of account. Rep XXXX notified me of the transfer. She verified my correct mailing address but had an incorrect phone number for me on file. 
Call Specialized Loan Servicing XX/XX/XXXX to verify them as the new servicer. Spoke with representative XXXX and she verified new account. SLS had an incorrect phone number and address on file for me. Somehow, my correct information was not transferred along with my loan. If letters were sent, they went to the wrong address. If SLS attempted to call, they called the wrong phone number. I know XXXX had my correct address ; I have a statement from them with the correct address. 
I was promised a phone call by the representative XXXX on XX/XX/XXXX from a manager since one was not available XX/XX/XXXX, and did not receive a call. 
I called SLS ( Specialized Loan Servicing ) XX/XX/XXXX and spoke to a representative regarding a payment made that did not apply to my account. Found that the funds went to a Suspense account and did not apply to my payment. Representative sent me a statement regarding my escrow funds which I did not receive by mail or call since all my contact info with SLS was incorrect. Without notice or reason, that rep dropped my call or attempted to transfer me to another department. Another representative answered, I went through the verification process again and explained the purpose of my call. This agent could see that attempts to correct my contact information, mailing address and phone number, were not correct in SLS system. I had called on XX/XX/XXXX to correct this information. This rep promised a call from a supervisor team, and escalation team regarding why all my contact information was not correct and I was not receiving statements or calls regarding account status. This call was also dropped without notice or conclusion. 
I was not notified of a loan transfer ; I continued to make payments on time, which were processed. Once I learned of the transfer, I immediately made a payment to the new servicers, XX/XX/XXXX through my bank. I do not believe I am responsible for any late fees, nor there any negative reporting to my credit standing.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (FL)

The creditor reported my payments late in XXXX and XXXX. The creditor was having system issues which did not allow them to report any payment history to the credit bureau since XX/XX/2022. I also would have issues paying my account online that I had to call in and pay my bill with a representative. The representative waived XXXX dollars of late fee due to their system issues and I paid my balance down to XXXX dollars. I don't feel I should be penalized for their system errors.
Consumer complaint received 2019-08-16
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: Bread Financial Holdings, Inc. (TX)

Comenity Capital Bank did a universal fraudulent address change that I did not request in writing for 3 of my accounts they held. The XXXX XXXX with it's {$10000.00} line of credit I closed in XX/XX/2019 because of dealing with Comenity was stressful. I had a small balance which I broke up into 2 payments for XXXX  and XXXX. An ex-employee took the back of the XXXX statement coupon and changed my XXXX, Texas address to a XXXX XXXX, Missouri. When they saw the handwriting did not match the check handwriting ( which I am the only authorized account user ) they still went ahead and changed one inactive and two active credit cards and didn't contact me. Nor did any alarms go off for Comenity when the week prior via phone I validated all passcodes to change my address to XXXX, Texas. 

My XXXX statement went to Missouri. In XXXX, Comenity Bank calls me about XXXX past due then can't verify me because not just my address was changed but phone number and passcode. Finally, a supervisor pulls up the account previous validation. Now, XXXX Fraud Department is denying to send me a photocopy of the XXXX statement coupon so I can have a Civil case filed even though I send to their Clerk of Records a request in writing, a copy of driver license, and had an attorney call. They now say I must get a subpoena on my own account. Their obstruction is a blatant coverup their complicit action to assist in fraud. All the hoops is meant to deny me justice.
Consumer complaint received 2021-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solar Mosaic LLC (CA)

In XX/XX/XXXX2021 a solar rep came to my house to try and sell solar.. he told me he would do a soft credit search to see if we could get approved. I told him I did not want to approve anything until I talked to my tax person. I had a XXXX XXXX at the time I never signed anything again I told him I needed to talk to my tax person onXX/XX/21XX/XX/XXXXhe tried to send someone out XX/XX/21I said no. on XX/XX/I sent him a text from the tax office and told him absolutely it was a NO and that he had been dishonest with me after talking to the tax person the next day a crew arrived at my house to install I told them NO I was not getting anything from them and they left.. the following month someone from the solar company called trying to get me to get solar once again I said NO.XX/XX/21 I got an email from MOSAIC XXXX XXXX XXXX XXXX AZ XXXX loan servicing department stating they received a cancellation request from XXXX XXXX to cancel my loan. I told them I never got a loan XX/XX/XXXX I got a statement review. I contacted the XXXX they said it would be corrected XX/XX/XXXX I got an email asking for payment of XXXX due XXXX once again I informed them I didn't owe them anything they responded saying it would take 2-3 weeks to process the cancellation they had only received confirmation on XX/XX/21on XX/XX/XXXX I was told any payments I made would be refunded. XX/XX/XXXX they reported the debt on my credit reportXX/XX/21 I received a statement notice for loan number 145467XX/XX/21 I received another email asking if I forgot this months payment and the payment required is {$140.00} {$140.00} was due on XX/XX/21. I do not owe this company anything and have continued to tell them this they tell me it will be taken care of and they still try to collect a debt I do not owe.
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX PA sold me a lemon car and never give me answer with the warranty the car month ago take it brokedown a piid with my pocket month later again coming with electrical problem and them i decided released the bank have the status how reposition but its wrong i calld significat time and never recived any answer
Consumer complaint received 2022-03-01
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. (PA)

XXXX Charged off : XXXX XXXX XXXX Balance : {$30000.00} -Evaluate this reporting by making a revision of the information provided. Charge off account should show a {$0.00} balance so why is it that there is a {$30000.00} balance indicating if it is a charge off account. Please stop this erroneous reporting ASAP. 

Collection : XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} -I would like you to review the date this collection was first assigned and the date of the last activity. I don't think this collection is 100 % accurate, please remove this item immediately TRANSUNION Charged off : XXXX XXXX  XXXX Balance : {$30000.00} XXXX XXXX XXXXXXXX Balance : {$10000.00} -These particular accounts are undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a {$30.00}, XXXX  and {$10000.00} balance indicated on the statement if its a charge-off? The balance is truly incorrect. You have to withdraw this from my personal file
Consumer complaint received 2021-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-10-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (FL)

I'm looking for itemized breakdown of bills. Due to the fact, it looks like they are double billing me for procedures. 
Also, now getting bills going back to @ 1 and 1/2 to 2 years old. 
Also, before procedure in XX/XX/2021, they told me if I paid in full of what I owe they would give me a {$100000.00} discount, then get a bill months later for {$1000.00}.
Consumer complaint received 2020-11-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial (IN)

Due to loss of hours due to COVID, I applied for a loan from SpotLoan, they promised that if you applied by XXXX XXXX. you would have the loan by XXXX XXXX., if after XXXX XXXX  you would have the loan the next day. That was Monday, XX/XX/2020. On Weds. morning XX/XX/2020 the money had not been deposited and I started accumulating NSF fees for the bills not paid that I applied for the money for. I called the support line, but it was not open, so I email support and told them that either a ) I needed to add more money due to NSF fees, or b ) I needed to cancel the loan. You have 3 business days to cancel the load according to their policies. The NSF fees caused my account to go into overdraft. I checked at XXXX XXXX. and SpotLoan HAD deposited the money before contacting me as requested. So now, even though they state you can cancel within 3 days, I don't have the money in my account to return it to them due to them not upholding their promise to have the money deposited the next day.
Consumer complaint received 2022-04-27
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2021-05-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (TX)

There is an unknown collection being reported by ERC XXXX. I am unaware of this company and have not been notified and/or informed as to what this collection is in relation to. I have no knowledge of any outstanding debt with ERC XXXX and have received no verification of any accounts for which I allegedly owe.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/year>, TransUnion received from me a disclosure request and investigation request. I personally sent this, signed it, and included proof of residence and identification as well as a copy of my drivers license. I sent this according to Section 609 of the Fair Credit Reporting Act ( FCRA ), where I formally requested a thorough and detailed disclosure of all information pertaining to my credit profile. It was not only a dispute under Section 611 for accuracy, but also a request for full disclosure as granted by the FCRA section 609.

In an attempt to subvert their responsibilities and ignore the statutorily mandated timelines of the FCRA, TransUnion sent me a letter saying that I was using a credit report company or credit clinic and they weren't complying with my disclosure right or investigation per sections 609 and 611 of the FCRA. 

As a consequence, the information contained in the accounts section should be deleted from my TransUnion report under the law and FCRA because TransUnion did not properly disclose or investigate as they have a responsibility to do under the FCRA.
Consumer complaint received 2021-05-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Benworth Capital Partners LLC (MD)

I applied XX/XX/XXXX approved by their lender benworth then on my funding day they said they tried funding me which they didnt I called my bank they said I dont have any pending or incoming deposits I checked my account multiple accounts no sign of deposits or rejections I emailed about 8 representatives they Dont respond and some gives a automatic message to submit ticket which i did about 20 times no response! this is so unprofessional
Consumer complaint received 2017-12-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (FL)

On XXXX XXXX 2016 I had XXXX bitcoins which was worth about 3000 US dollar back then transfer to my wallet in Coinbase the transfer was successfully processed but the coin never showed up in my Coinbase wallet it seemed before the money go to my wallet they transfer it to 2 diffrents wallet that I had no clue I contact them they asked to send everything that I had I sent them but no one can really give me a real answer all they told my account is at level 10 right now no real answer I have all the screen shots to support my claim it is very scary I had the money send to that wallet so I can invest it but Coinbase try to steal my coin
Consumer complaint received 2021-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

On the nite of XX/XX/XXXX, I made an {$1800.00} ( or possibly {$1900.00} ) deposit into the ATM in the XXXX NY branch of TD bank, ,for my account # ending in XXXX ( my corporate account ) and I did not complete the transaction fast enough. 

ATM kept my money and ATM card. 

I called and filed a dispute about this problem ( and also a similar problem I had with another account ( acct # endingXXXX, -- my personal account ) at this same ATM on XX/XX/XXXX. I did not know the exact amount of that deposit. I was told that in order to file a dispute, I needed to.provide an amount so I said {$300.00} though i made it clear i did not think it was {$300.00}. 

The person who took this complaint filed both disputes as part of the XXXX account instead filing the XX/XX/XXXX dispute for the XXXX account and I believe this has caused massive confusion. 

I never got my {$1800.00} and I have refiled my dispute 3 more times -- total 4 times. 

Each time I call, the bank treated the dispute as a new dispute, and tells me that I will get a letter in 10 business days -- we are at 36 days and counting at this point TD has a dispute department but company policy is such that.the department will not take calls, so I keep explaining what happened to customer service agents who I understand just have a screen with a an small amount of space to explain the situation to the dispute dept and I am sure the space is inadequate to explain what happed.in my case TD has video cameras so I'm sure they can see I put in the money but as I understand it, the ATM is actually handled by an outside company and I dont think there is adequate communication or cooperation between the bank and the outside company. 

I want my money and if I do not get it soon, I'm going to take the bank to small claims court. This is my final attempt before I file with the court, so you should advise them to keep their video and all their records, which I will subpoena, if I don't get my money ASAP.. Once I go through the trouble to file the complaint and prepare the supbeona duces tecum , I will not withdraw it. 

I point out that I never used an ATM before covid and this is about my 5th -- all but one of which were specifically with the TD XXXX ATM -- problem with ATM deposits and bank personnel at the branch Iindictate they are trying to get the ATM replaced because it gives them a lot of trouble.
Consumer complaint received 2021-07-13
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: Santander Consumer USA Holdings Inc. (TX)

This is a formal complaint against Santander located in XXXX XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Santander has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2020-09-06
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)

I was aware of this fraud account on my credit XXXX of 2020. I am not aware of where it came from or who used my information. Since XXXX 2020, I have been trying to get this account removed off of my credit.
Consumer complaint received 2023-02-01
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)

I am tired of sending dispute letters to Equifax requesting that they correct this erroneous account being reported on my Credit File because they have been doing nothing! This complaint is to follow up on my previous complaint and letters I submitted on XX/XX/2023, and to inform them that I am halfway of taking legal action and sue the Credit Bureau for their willful non-compliance of the FCRA statute. Only if they chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is : XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/XXXX, I received an email from Wells Fargo ( XXXX ) that contained an access code to view my application for new credit. While I do currently have a Wells Fargo credit card, I have not applied for any new credit. At first, I thought the email might be a scam, but upon closer inspection, it appears to be a legitimate email from Wells Fargo. I tried contacting them by phone on XX/XX/XXXX but got bounced around to different people, because no one could tell me what the access code was for. I also forwarded the email to an email address on the Wells Fargo site for reporting suspicious communication and received an automated response but have heard nothing since. I'm concerned that someone may be applying for credit using my identity or that Wells Fargo is fraudulently opening new accounts in my name, as I'm aware they've done to their customers in the past. I need to know what new credit applications are in process at Wells Fargo under my name and halt the processing, but I'm unable to reach anyone at Wells Fargo who can figure out what this is about.