davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-12
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: Bread Financial Holdings, Inc. (FL)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account COMENITY BANK/ANNTYL that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2020-12-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners (FL)

XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX. XXXX XXXX, XXXX, MN XXXX. This company you stating that I have a balance of {$1300.00} with creditor pendrick capital partners.. I do not owe this debt. I requested validation of debt and all this company has sent us a verification with an invoice. Nowhere is there a copy of my signature anywhere. I want to report this company is violating my rights under the FCRA as a consumer. I want them to update all three credit bureaus if they have a negatively impacted my character, which could be considered defamation of character,
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I sent the Equifax a dispute letter on XX/XX/2021, which included several accounts on my credit that were incorrect. They have not responded and today is XX/XX/2021.
Consumer complaint received 2021-02-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2020 I sent a letter with respect to off base and obscure things on my credit report, it's been more than 60 days after the fact and I have not gotten any reacts. As of this second, consumer reporting agency have not carried out their responsibility ordered under the law. I have an inclination that I am being exploited and being disregarded about my disputes. Inability to follow these government guidelines by credit reporting agencies are researched by the Federal Trade Commission ( see 15 USC 41, et seq. ). Likewise, Section 611 ( a ), it is doubtlessly expressed that an inability to explore these things inside 30 days gives motivation to quickly removed those items from my credit report it has been more than 60 days so they ought to deleted promptly. I request these accounts be deleted promptly or I will petition for prosecution because of the pressure that you caused me.
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (VA)

There are 3 accounts with Creditor XXXX & 1 account with Creditor XXXX that were included in bankruptcy and discharged in XX/XX/2019 but they are all incorrectly showing collection/charge off status and balances. I have previously disputed and you found in my favor and corrected to included in bankruptcy but then they were updated right back to having balances and charge off/collection status again. I disputed again and now I am having to wait through the 30-45 day dispute process again. I need these fixed so that they do not continue to be updated back to what they were showing prior to the disputes. I have attached bankruptcy paperwork again for your review. See highlighted sections.
Consumer complaint received 2020-12-02
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. (CA)

On XX/XX/2020, I sent a letter requesting Transunion verify an account on my credit report. I specifically asked them to verify the Date Closed. I received a response to the verification request recently. The report states that they both " VERIFIED AND UPDATED '' the account in question. 

After careful review of the account, I found that the data entry for " Date Closed '' did not match my records. 

This matter should have been handled upon the initial request and this account is hurting my credit report and scores.
Consumer complaint received 2020-12-02
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 - NEVER LATE XXXX Paid, Closed. 
XX/XX/2017 XXXX  - NEVER LATE XXXX Transferred, closed. 
XX/XX/2017 < -- -- ALL accounts NEVER LATE. FCRA Violation. How is this late? I've always paid on time. Why was I never notified if I was late? Should I sue? 


-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX, TX XXXX < -- ADDRESSES Listed are NOT MINE. FCRA Violation. NOT reporting my data in my report accurately also.
Consumer complaint received 2020-12-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (IL)

XX/XX/XXXX, XXXX purchased my mortgage from Ditech. 

XXXX XXXX, Loss Mitigation Specialist, Shellpoint Mortgage Servicing ( XXXX ) XXXX ( Direct ) In XX/XX/XXXX - I had filed for Bankruptcy, it was approved. I did not include the home in my filing. 

My Mortgage payment has always been {$1100.00} a month. I have never missed one payment! My payments were and continue to be paid through my bank - XXXX. 

I never escrow my taxes and have always paid my property taxes through my bank XXXX as it goes directly to the XXXX County Treasurer. 

Over the past two months, I have received two calls from Shellpoint, called back out of courtesy and get the run around. We can't talk to you! The Bankruptcy Attorney sent the letter in XXXX ( attached ), still Mr. XXXX refuses to speak to me! 

I had requested a Loan Modification, received the packet from the Attorneys Office ( it was not sent to my home ) .. it came late, I notified Shellpoint about it and told them I needed to review it.. Then signed and sent it back. Not hearing from them - I made the first Loan Modification for {$1100.00} on XX/XX/XXXX and have continued to date - UNTIL XXXX emailed me today and said XXXX has refused my payment! 

As stated and can back this up - I have never missed a mortgage payment and can't believe the way this mortgage company works! I work for the XXXX XXXX XXXX XXXX and take calls from consumers about these types of practices! Never thought I would have to deal with it! I am looking to refinance after my bankruptcy clears! 

Shellpoint has made life stressful - just for the fact they play with your mind and leave you guessing! 

This is not the way to do business! 

I am attaching the emails of XX/XX/XXXX through today, and a the same actions another consumer had just gone through with Shellpoint! 

I would appreciate scheduling a call with someone from your office & Mr. XXXX. 

I would like to hear him explain his actions to the Government! 

Thank you XXXX XXXX XXXX
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: I.C. System, Inc. (VA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2017-12-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (OR)

Wells Fargo closed our bank accounts and did not explain why and we have done nothing wrong. We have always handled accounts in accordance with their policies and the law. 

That is bad enough but they closed our minor children 's bank accounts and claim the children are banned from the institution for life. 

That is arbitrary and discriminatory and punishing the innocent.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AR)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2022-04-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OH)

We made arrangements for the Covid relief. Come XXXX we had to start making payments. We did. They bounced it back. Reached out to make the XXXX payment. They accepted it towards the end of the month. We paid XXXX, was sent back again!! We talked to them in XXXX got the run around for XXXX XXXX months. Finally, we were told that they didnt receive XXXX payment. Thought everything was worked out.. sent them 4 months of payments. Then they stopped returning my emails and phone calls! The payments again were bounced back.. this is where were at now!
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

XXXX  have all my credit report mess up, all information is incorrect, i call tooo many time i have not anwer, account missing, wrong information ect. I HAVE A XXXX XXXX  CARD SO THEY REFUSE TO UPDATE THE INFORMATION, CREDIT CARD NUMBER # XXXX, XXXX XXXX ACCOUNT # XXXX This account is missing from my report.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 


XXXX XXXX Balance : {$380.00} ; XXXX XXXX Balance : {$24000.00} ; XXXX XXXX XXXX Balance : {$240.00}.
Consumer complaint received 2020-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I called Capital One to see why my applications were getting denied. They couldn't figure it out either. So they found a rogue credit card being used on my account or name. But I told them that couldn't be because I no longer have an account with them I have been locked up since XXXX. So there is no way that could have happened. They keep insisting that it was an account I had. I was definitely a victim of Fraud, I have trying figure this out since I got out of prison. I got out of prison XX/XX/XXXX. This card was open before my release date so obviously I did not make this happen.
Consumer complaint received 2021-04-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (OR)

I have waited over a year for Binance.us to clear my transactions after attempting to deposit money. The transaction had failed and they had told me to wait up to 10 days to withdraw my funds. This had occurred XXXX. Support keeps telling me to wait up to ten days, even a year later and copy pastes their message instead of personally fixing the issue. I have been more than patient and been in compliance for long enough with Binance.us and don't know what else to do.
Consumer complaint received 2020-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (NJ)

On XX/XX/2020 I went to the XXXX XXXX nj pnc branch on the XXXXXXXX XXXX XXXX. I used the atm to make a cash deposit of {$4300.00}, I put a bulk wad of cash bills into the atm and the atm spit back some of the cash bills indicating I was putting too many in at one time. I had to make another cash deposit because of that. I figured the atm calculated the right amount of bills entered but when my second cash deposit showed me that I was being shorted {$200.00} I immediately went to notify a teller. I knocked on the lobby door and was told to go to drive thru to make my dispute. I was told I would get credit for the {$200.00} and the bank will be auditing the atm on Tues. XX/XX/XXXX. This is poor customer service. The teller did say my money jammed in the machine. I never had an issue at an ATM before this. I need a full audit done with all the holding bins in the atm checked and a tech opening up the atm to search every possible holding bin/area. A video audit should be done too to review my transactions on camera. They will see what theywhen I noticed I was shorted {$200.00}
Consumer complaint received 2022-03-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Foris DAX, Inc. (CA)

Crypto.com is the company in question. I deposit over {$19000.00} in this account. We dispute it a couple of charges that was on the companys part. They froze my account I cant withdraw any money or deposit I can do but withdraw from my XXXX wallet I cant I sent them a letter from my bank stating that my bank credit my account as well as the vendor Crypto.com. The rep has frozen my account refuse to talk to me keep telling me to send them certain information all I wan na do is take my XXXX out of the account over a {$68.00} charge.
Consumer complaint received 2020-07-23
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. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.
Consumer complaint received 2020-12-02
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. (GA)

I have tried to rectify several errors and fraud accounts with all 3 credit agencies and I need your assistance in getting this done. The following items does not belong to me and is reporting incorrectly on my credit file : The following account is not mine : - XXXX XXXX XXXX - {$1000.00} ; Date Opened : XX/XX/XXXX - XXXX XXXX XXXXXXXX - {$1900.00} ; Date Opened : XX/XX/XXXX The following account are reporting incorrect late status : XXXX XXXX - {$0.00} ; Date Opened : XX/XX/XXXX ; I was never 30 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX XXXX  - {$6400.00} ; Date Opened : XX/XX/XXXX ; I wasn't 30 or 60 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

I attended XXXX which turned into XXXX XXXX college while I was attending. The school ended up getting shut down permanently I did attach the proper paper work needed to nelnet and proof of the schooling closing without my knowledge. I did graduate but the school shut down due to lack of accreditation which I was lied to about. When I tried to take my credits else where to other states they told me I was not accredited. When I tried to renew my licenses and take continuing education classes at the school they were shut down. My license is no longer valid and I am not accredited I did let my student loan lender know this submitted the proper papers and its been well over a year I have not heard anything back. Legal stand point states when a school is closed for reasons like this student loan is dismissed .when I graduated my certificate stated I graduated from XXXX XXXX college and so doesnt all my transcripts. Student loan lender has been giving more then enough time to respond & has yet to do so. They continue to just keep pushing things back on payments instead of investigating well over a year is unacceptable. Yeah
Consumer complaint received 2021-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CA)

Seems like the CFPB is Not on the customer side but protects JPMorgan who kept my {$1500.00} Dollars. And CFPB have not even read the proposal thst the bank made which makes no sense. 

If I can't see my bank details online how shout I request the closing of my account and give my bank number if Chase blocks my bank details from being viewedl. 

I will get access to my money again. The company has to propose a fair solution that gives me access back to my account. This is discrimination and racism of foreign citizens who have ever opened a bank account in the USA. I want my money back.
Consumer complaint received 2021-02-11
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: Experian Information Solutions Inc. (MI)

I have made effort after effort to contact Experian ( via phone and mail ) regarding the incorrect information reporting. I have sent letter after letter, the most recent being XX/XX/04, certified, in which NONE of them have responded to. Please see attached. The information that is reporting is incorrect and has shattered my dream of home ownership. Please see attached documents. I have attached my phone records, the letter that was sent and receipt from the USPS of tracking info with the dates received.
Consumer complaint received 2020-12-02
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. (TX)

XX/XX/XXXXXXXX - NEVER LATE XXXX Paid, Closed. 
XX/XX/ XX/XX/XXXX - NEVER LATE XXXX Transferred, closed. 
XX/XX/ < -- -- ALL accounts NEVER LATE. FCRA Violation. How is this late? I've always paid on time. Why was I never notified if I was late? Should I sue? 


-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX, XX/XX/XXXXXXXX < -- ADDRESSES Listed are NOT MINE. FCRA Violation. NOT reporting my data in my report accurately also.
Consumer complaint received 2022-04-26
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: Experian Information Solutions Inc. (TX)

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 USC 1681. 

XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX ( Original XXXX : XXXX XXXX  ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX A ) XXXX, XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, 15 U.S.SC 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 a account without my written instructions
Consumer complaint received 2021-10-12
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)

This tradeline is being reported after I have disputed more than 90 day ago. Pursuant 15 U.S. Code 1681 a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. This account was open XXXX XXXX. I filled an FTC report on XXXX XXXX. Pursuant 16 CFR 433.2 NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. I am asserting my right against XXXX XXXX. This contract is fraudulent.