davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NM)

Applied for mortgage XX/XX/22 as of XX/XX/22 loan still has not been approved. Hundreds of emails and submissions of documentation supplied as requested. Conflicting and capricious request, in attentive communication, promises that approval is eminent with just XXXX more submission which never occurs, confusing and dysfunctional submission procedures and platforms, no person with clear authority to direct complaints or address concerns or make a decision, no clear company customer service policy or apparatus. 
We currently have an existing loan with this company which has rolled over to a higher interest rate while we have attempted to get refinancing at a lower rate. Feel this poor treatment is to deter us from achieving a more advantageous loan.
Consumer complaint received 2019-10-27
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: Experian Information Solutions Inc. (FL)

I been disputing this hard inquiries since XXXX of this year through EXPERIAN. They have failed to provide any conection with this connection. I haven't sign any documentations with this alleged companies. On the other hand this inquiries have a negative impact on my credit score.
Consumer complaint received 2021-02-04
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. (GA)

All 3 Bureaus were notified of the Bankruptcy being reported on my credit report. I sent a procedural letter to each, on XX/XX/2020 to ask of how they were acquiring the Bankruptcy information. According to law, all information obtained is to be reported directly to the Bureaus by direct lenders or parties involved, but the Courts do not. Neither could advise me of who or what source reported my Bankruptcy, XXXX XXXX to them directly. On my credit report, it states no known reporting agency and the Federal Courts do no report information directly to the Bureaus. This direct intention to degrade my credit status has led me to inhabitable living arrangements, limited transportation and minimum income to live. The reporting was never verified and there was never a response from XXXX, Equifax or XXXX.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OR)

There is a Derogatory Public Record or Collection Filed note on all three of the Credit Reporting agencies. 

I have no knowledge of any collection being filed. 
Previous collection file was due to an error through a debt consolidation company and the hospital they were attempting to pay - but the collection was dropped.
Consumer complaint received 2018-03-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

Our clients have attempted to obtain a modification with SPS 5 years ago. The Servicer lowered the payment XXXX even though the client 's income reduced by XXXX per month. 
The clients then decided to short-sale the property after which it was denied due to " information not being provided. '' Our company was contacted to help submit the documentation in XXXX of 2018. 

We've submitted the documentation to the Servicer and finally got a resolution on XX/XX/XXXX pending UW review. On the XXXX of XXXX, the servicer was contacted to get a status. They indicated they needed " more time '' for underwriting review. 
On the XXXX of XXXX, the servicer was contacted, and they state they just sent a letter today denying the Short-Sale due to RMA being incomplete. I informed the servicer the RMA was complete and has been submitted XXXX. However, the RMA is in fact complete. The servicer states the " intent '' is not noted in the RMA, however, the proprietary RMA doe NOT have " intent '' section noted in stead it has Section XXXX - the reason for hardship is noted. 

The Servicer understood and wants until Monday to review the case as we pointed out the inaccuracies in their process. 
This, however, isn't enough as the foreclosure hold has YET to be placed or the Facially Complete sent out
Consumer complaint received 2019-10-28
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. (AL)

I was actively XXXX in the military. I had an account with XXXX XXXX XXXX. While XXXX my then girlfriend started using the card. Although she was making some payments, she was not making others, then just stopped after she maxed out the card and left me. I call XXXX XXXX as well as filed a dispute on my credit report as well as a police report and ID Theft report. The card is still showing on my credit after multiple attempts of removal.
Consumer complaint received 2019-03-04
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. (ND)

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on loans with the XXXX XXXX/XXXX - Account numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. These accounts have a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these items be corrected. This is harming my credit. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2018-02-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

I wired XXXX to Coinbase through XXXX on XX/XX/XXXX. After quickly realizing that my recipient number was not included when I wired it ( no option on my online banking account with XXXX ) I filed a support ticket and called them. After being disconnected several times, I was finally connected after 2 hrs on hold. The CS rep told me that my money would be rejected by coinbase within 3-5 days and be returned to my account. I then called my bank and they said that after coinbase rejects it, it should show up after 10 business days. After 10 business days, I did not receive anything, and no one responded to my support message. I tried calling again around mid XX/XX/XXXX. This time, they said they " escalated '' my case and it would be worked on as soon as possible. It is now XX/XX/XXXX and I have not heard a single word from them. Please help me get my money back from these thieves!!!!
Consumer complaint received 2016-09-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MD)

I have made several attempts to have my XXXX accounts removed from the Equifax report due to the discrepancies ' in the payment history they are reflecting. This has gone no where, instead of removing the inaccurate information, they updated inaccurate information and they are reflecting a higher balance than what I owe. 
XXXX XXXX ok- XXXX XXXX XXXX XXXX XXXX ok- XXXX XXXX XXXX XXXX ok- XXXX XXXX XXXX XXXX ok- XXXX XXXX
Consumer complaint received 2018-03-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (OH)

I just purchased a car through XXXX XXXX. One requirement in order to obtain the deal I received was that I could not put any money down and had to finance through XXXX XXXX in order to get the dealer offer. This meant a high interest rate of 5.62 % but I paid XXXX less than if I chose to get my own financing outside of the Nissan offer as the rebates would no longer apply. I was told I have to keep the loan for 4 months and then could refinance the loan with my lender of choice. I do not have any bills which require a check be mailed and I saw the pay by phone and online options. I decided to make my first payment by phone and wanted to pay a larger amount of {$4000.00} to begin paying it off faster. I was told their was a {$5.00} fee for this which is common and not unexpected. I was informed that I could only pay {$2000.00} and if I wanted to pay more, would have to call back and would be charged another fee. I feel this is unacceptable because unless I set up automatic payments online I would also be charged for online payments. also on my statement, I only see my balance and minimum payment. I do not see the interest that was charged for the billing statement. I like to verify that I am being charged properly and my statement gives me very little information. I will be refinancing as soon as I am able to not be charged yet another fee for early termination.
Consumer complaint received 2018-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

On XX/XX/2018, I attempted to open an online XXXX account with the Department of Human Services in Illinois. As required for identification purposes, I called Experian to verify my identity. I was first refused because of a supposed " glitch '' in the system. After a second attempt, I was asked for a " verbal consent to check my credit history ''. Then I was told by that worker to " consult children and family services ''. The company flat out reused to identify me, even though I already have an active Medicaid case. I feel I am being discriminated against because I am economically disadvantaged, because I don't have a credit history.
Consumer complaint received 2018-03-24
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. (CA)

I have submitted multiple disputes. I try to check by phone because online is blocked and they always say no dispute is open. Twenty theft reports sent multiple ocasscions and they seem not to even care about my credit I didn't use please I need help other bearues are way more helpful
Consumer complaint received 2024-03-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Payward Ventures Inc. dba Kraken (CA)

I have my XXXX  account with Kraken.

Someone tried to use my email to set up an account. I spoke with the Kraken representative who told me they would lock my account for security purposes and get back to me about making my account secure again. 
That was a month ago. 
They shut down their phone service and require logging into your account to use chat, which I can't do since I am locked out of my account. 
My many emails and complaints have been ignored. 
After sending a complaint to the sec I received an email with steps to take to secure and reopen my account. I took the required steps and responded to the email informing of that. I am still locked out of the account.
Consumer complaint received 2019-10-28
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. (AL)

I was actively XXXX in the military. I had an account with XXXX XXXX XXXX. While XXXX my then girlfriend started using the card. Although she was making some payments, she was not making others, then just stopped after she maxed out the card and left me. I call XXXX XXXX as well as filed a dispute on my credit report as well as a police report and ID Theft report. The card is still showing on my credit after multiple attempts of removal.
Consumer complaint received 2021-06-24
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. (MO)

Equifax, XXXX, and XXXX is reporting information on my credit report that has not yet been verified. There has been a lack of response to debt verification requests made my me concerning XXXX XXXX # XXXX.
Consumer complaint received 2018-03-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Applied Business Services, Inc. (GA)

Disputed with the company on XX/XX/XXXX. Company received my disputes on XX/XX/XXXX as it shows according to the certified mail. It is now XX/XX/XXXX and I've yet to hear back from the company. The FCRA gives the company 30 days to respond. I have not gotten a response.
Consumer complaint received 2018-03-24
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. (IL)

I've reported a dispute with XXXX XXXX XXXX through Experian credit Bureau twice ..first response was Consumer meet FCR reporting ... I sent in documents, notizied by by my bank, with a copy of my Personal ID, and certified..with a Identify fraud imformtion report asking for information on this account ... I received a letter saying it was A '' Bill '' ..I included a copy of the letter also ..with a notice to Furnisher..but Experian allowed the collection agency still report to this account without any information about this bill confirmation ... The so called Bill I received was a typed up letter on the the collection agency letter headed ..with no information or signature of service of what hospital this Account accurate.this is my second dispute with this company..my next step is to file charges with my local courts ..the Bill is from XX/XX/XXXX ..I demand this account be removed off my Credit Report .. Experian and XXXX as not sent me any supporting documents about this account as of XX/XX/XXXX ... This is not my Account.
Consumer complaint received 2019-10-28
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)

I have been trying for the better part of a year to get both XXXX and Experian to investigate the accuracy of items on my credit report. While they conducted an initial investigation, the errors on my report remain specifically, there is a BK showing on my credit report. Additionally, XXXX is not reporting accurately either, XXXX claims I have an account that was discharged in BK. I have never had an account with XXXX and both XXXX  and Experian refuse to investigate the matter. They also claim to have verified a BK which is not possible. Based on the documents I have provided, you will see that XXXX refuses to investigate and that Experian completely ignored the dispute regarding a BK showing on my credit report. Please advise these companies as to FCRA law in regards to having to investigate all disputes. My disputes are in no way frivolous, there is inaccurate information that needs to be corrected.
Consumer complaint received 2018-03-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (GA)

Disputed with the company on XX/XX/XXXX. Company received my disputes on XX/XX/XXXX as it shows according to the certified mail. It is now XX/XX/XXXX and I've yet to hear back from the company. The FCRA gives the company 30 days to respond and I have not gotten a response.
Consumer complaint received 2018-03-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (GA)

Americollect XXXX- {$450.00}, {$680.00} and {$1000.00} Disputed with the company on XX/XX/XXXX. Company received my disputes on XX/XX/XXXX as it shows according to the certified mail. It is now XX/XX/XXXX and I've yet to hear back from the company. The FCRA gives the company 30 days to respond. I have not gotten a response.
Consumer complaint received 2024-03-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

XXXX XXXX XXXX, last Thursday left me the following voicemail message, '' And in accordance with federal law we are required to notify you at least 72 hours prior to petitioning for an injunction you or your attorney and have a very brief window to address this matter with our office is directly to provide a final statement for the record and your defense simply hit redial to be connected directly to our offices it would serve your best interest to contact our offices before close of business today or immediately upon receipt of this message please act accordingly ... '' This organization is trying to collect from a checking account that was closed during XXXX, or approximately. The statute of limitations has long passed to be able to collect for this debt.
Consumer complaint received 2018-03-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I opened a promotional account as a brand new customer at XXXX XXXX on XX/XX/2017. I  deposited XXXX and was supposedly to get XXXX in 3 months now its been 4 months. I called up HSBC and the guy said they will review my case for another 3 months and then deposit the money if Im eligible but on their promotion they said 3 months not 6!
Consumer complaint received 2018-03-24
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. (TX)

I called Experian about my student loan being discharged in XX/XX/2017 and to have them update this information. I must admit this was a task so many prompts and when I got close to speaking with a representative the wait was over 2 hours. Then I receive information that a fraud alert or freeze had been placed and I will be billed XXXX. I called Experian again took forever to reach a person and I told her that I didn't want that freeze or alert. I then receive documentation from experian and the others the alert is still there but then experian representative wrote in the letter ... The number you provided when adding this alert is XXXX I havent used that number in over a year and I clearly gave that person my correct number XXXX! This is scary when the credit bureaus are being deceitful and then charging you. Their repeated attempts to trick the people into purchasing an alert or fraud is wrong. I have enough going on health wise that why I got approved for XXXX and XXXX XXXX XXXX and one of my issues is having a XXXX XXXX. The credit bureaus games only anger my person and that's not good. Then experian then prompted the other bureaus to place a freeze on their part too. I had applied for a credit card and denied due to alert or freeze placed erroneously.
Consumer complaint received 2024-03-11
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (PA)

On XX/XX/11 I received an AMEX ecard in the amount of {$500.00} ( XXXX XXXX ). It is activated. 

I followed the instructions to add the card to my XXXXXXXX wallet. 

I attempted to use the card at : On XX/XX/11 - XXXX  for a purchase of {$59.00}. The site accepts AMEX and requires the card number, expiration date and CVV security code to process. 

On XX/XX/11 - XXXX for a purchase of {$56.00}. The site accepts both AMEX ( requires card number, expiration date and CVV security code to process ) and XXXX wallet. I tried to make the transaction using XXXX wallet and the transaction failed. Then I keyed the AMEX details directly on the site and was also declined. 

I reviewed the instructions and cardholder agreement on AmexXXXX.com. The ecard is supposed to be able to be used with XXXX wallet and wherever AMEX is accepted. 

I called customer service and asked why my card wasnt working. The customer service rep could confirm that I tried to use my card several times, but the vendor was blocked. 

I asked if there were a list of vendors where I could use my card, or a list of blocked vendors, and was told that list didnt exist. In XXXX to try to find this list, I came across several XXXX threads where users had a similar experience as mine and could not get the card to work anywhere. 

Since the cardholder agreement states that the card can be used wherever AMEX is accepted, and the marketing materials with the gift card indicate that I can use it with XXXX wallet and anywhere AMEX is accepted online, I would appreciate having the funds provided to me in a form that I can use.
Consumer complaint received 2018-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (MN)

I applied to a Credit Union as was told I could not get an account because of a ChexSystems report. I had no idea what that was, so I ordered a copy delivered. 

Upon delivery, I see a mark from XX/XX/2013 from XXXX XXXX that says " Account Abuse ''. 
The total amount claimed to be charged off was XXXX. 

This is completely inaccurate. I still have accounts in goodstanding with XXXX XXXX. I never received any notices, and I certainly did not abuse my account. This was a joint checking account that was soley used to pay our mortgage at the time. This is a bogus description and a bad business practice. I had other linked accounts and was never given information about any abuse of the account.
Consumer complaint received 2018-02-01
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: Experian Information Solutions Inc. (SC)

I pulled and reviewed my credit report and found that several inquiries were added to my credit report with out my knowledge or consent. I have not purchased a vehicle or tried to obtain any type of credit in the last 3 years. Anything reporting during this time is incorrectly added to my credit report. There is also a bankruptcy added to my credit report falsely.