davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-04
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. (AR)

I ordered my credit reports from all 3 credit bureaus, Experian, XXXX, and XXXX in XX/XX/2021. I found collections accounts on my credit report with all 3 credit bureaus, public records from 7 years ago that haven't been removed, personal information like other social security numbers other than mine listed on my credit reports, student loans that are under my name which doesn't belong to me .I have disputed all the fraudulent accounts as well called in via telephone to each credit bureau to dispute personal data on my reports that aren't mine but the credit bureaus are yet posting the fraudulent data on my reports after informing them. I am XXXX  XXXX, I have reached out to the XXXX XXXX XXXXXXXX XXXX Department about discharging the loans as they are affecting my livelihood, I can't get a place to live and I have children, I can't get any type of financial assistance not to mention, I can't get a mortgage due to the fraudulent data on my reports! I have turned in my Benefit query from the Social Security Administration to each credit bureau showing that I am XXXX and that they are affecting me mentally and psychological due to all the negative items on my report that don't belong to me and them not removing it for me. I am hurt, sad and disappointed. Each time I dispute the items XXXX, XXXX  and Experian keep listing the fraudulent items. I will be forced to get lawyers involved if this matter isn't resolved on my behalf. another complaint is that all three credit bureaus XXXX, XXXX, and Experian have failed to update my credit reports. For example, I have a XXXX XXXX credit card and I make all my payments on time, I have a exceptional payment history, however the three bureaus have failed to update my reports reflecting my XX/XX/2021 regular credit card payment in the amount of {$290.00}, along with a double payments made on my credit card account in the amounts of {$930.00} on XX/XX/2021 and XX/XX/2021. Both in the amount of {$930.00} each totalling {$1800.00}, none of the XXXX payments have been reported by all 3 credit bureaus to reflect my exceptional payment history.
Consumer complaint received 2018-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NJ)

I had a accident on XX/XX/XXXX and injured my XXXX and XXXX. I was being treated by a couple of doctors and hospitals. I returned to school after having XXXX XXXX with XXXX XXXX XXXX, and they sent me home, but I couldn't work for 9 years. I was supported by Public assistance. I submitted all my doctors papers to XXXX XXXX and Navient to get my payment discharged, but they only put me on forbearance and deferment plans. In XX/XX/XXXX I started to work part-time and they took my income tax check. I called the student loan ombudsman, and he made them return my income tax money, but never fixed the problem. Since this incident, i was a single mother on low income, but Navient and XXXX XXXX kept increasing the interest. On XX/XX/XXXX, I received an e-mail from a company saying that they we're the U.S. Dept. Of Education, XXXX. XXXX XXXX, XXXX, TX XXXX, stating that I have 15 days to send all papers stating your dispute. I sent all of my doctors papers to them, then received papers from a company called XXXX XXXX XXXX. with an extra {$6100.00} added on that I never heard of. They also claimed that the papers arrived late, which wasn't true.
Consumer complaint received 2018-02-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (WI)

I initiated a request to move all of my Ethereum from my vault to my wallet with the intention of selling on XX/XX/XXXX. At the time, the value of my investment was almost {$10000.00}. Coinbases delay has caused me significant losses ( approximately 40 % ). I never received a secondary confirmation e-mail from Coinbase, so Ive been unable to finalize the withdrawal.

I called Coinbase on XX/XX/XXXX to have a ticket opened on the issue, and was told it had been escalated to the highest level possible, and that details were included. The representative did not add any level of detail, even though they said they could see the issue was coming from a glitch within Coinbase. I then went in on XX/XX/XXXX to add the additional detail so the issue could be resolved. 
On XX/XX/XXXX, I still hadnt heard back, so I called again. This time, the representative stated that due to a backlog, it would likely be several weeks before I heard anything back from the company, and additional time to resolution. I find this completely unacceptable every day Im unable to withdraw, I am losing money. This has caused me a great deal of personal and financial stress to say the least.
Consumer complaint received 2023-04-01
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. (FL)

XXXX XXXX and Experian are both reporting a bankruptcy on my credit report and they have put in the date of furnishing as the US bankruptcy court of the northern district of Florida which is false. I have attached a letter from the US bankruptcy court of the northern district of Florida verified, and stating that they do not furnish information over to the credit bureaus or any credit monitoring service, nor do they verify and validate any info concerning bankruptcies XXXX XXXX and Experian are both listing this info on my credit report and have yet to remove it.
Consumer complaint received 2018-02-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (MD)

I am a XXXX XXXX  working with a homeowner with Dovenmuehle as the servicer of her mortgage. The homeowner and I worked together to piece together her loss mitigation assistance application which was deemed as complete on XX/XX/XXXX. In XXXX, my client was informed that she was turned down for the assistance and I called to find out why- being that her income was adequate, her credit was fair, and her budget was very streamlined. For an entire week, I made calls daily to get answers regarding why she was turned down. Finally, I was able to get transfered to a manager who stated that my client 's expenses make the mortgage unaffordable to the homeowner. When I asked about what they had listed as expenses, the manager at Dovenmuehle stated that they do not have access to that info as it is complied and researched by a private 3rd Party company. I was able to get the name of the company but when I called, I was told they do not take phone calls. I reached out to XXXX XXXX XXXX XXXX at XXXX XXXX and explained the situation- being that the loan was originally a CDA loan, I figured the State of Maryland would be able to point me in the right direction. I was given contact info for XXXX XXXX, also at XXXX. He was able to find out that the 3rd Party firm calculated my client 's monthly spending on food at {$700.00} dollars for the month. XXXX XXXX requested that I piece together the clients expenses and provide bank statements that coordinate with the months in question. I submitted these documents to XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX stated to me that the documentation was sufficient and he would follow up shortly. On XX/XX/XXXX, my client received a letter from Dovenmuehle. The specific language of the document states : " You May have been approved for a standard modification ''. Weeks went by and the homeowner and I were not contacted. The only updates we can get are from XXXX XXXX and only when we ask. Dovenmuehle didn't even have it documented in the system that XXXX was working with them to resolve the issue. 
Here we are 90 days after I was told no further documentation is needed and the homeowner still does not have a response from Dovenmuehle.
Consumer complaint received 2021-11-06
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 asked them to show proof of being 30 days late. I have not been late and have made all payments. I have asked them multiple times and they refuse to show proof and refuse to removd
Consumer complaint received 2021-11-06
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have asked them to show proof of being 30 days late. I have not been late and have made all payments. I have asked them multiple times and they refuse to show proof and refuse to removd
Consumer complaint received 2018-02-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NC)

I closed on a mortgage with XXXX XXXX XXXX XX/XX/XXXX that required PMI to be included. I was told to have the home re-appraised in 6 months to have the PMI cancelled. Just after closing, the mortgage was sold to Wells Fargo. Subsequently, I remodeled the entire interior of the home, bathrooms, kitchen, plumbing, etc.as well as new carpet and paint the whole house. I had the home re- appraised in XX/XX/XXXX which resulted in 79 % Loan to Value Ratio according to Wells Fargo . ( remodel was mentioned in the new appraisal ). XX/XX/XXXX, I receive a letter from Wells Fargo reading, even though your loan does meet the LTV ratio requirement indicated above ... ..you need to take additional steps to cancel your PMI .... send us receipts of structural improvements only or a check for {$32000.00}. The supervisor I later talked to said none of the remodeling I did was considered structural therefore does not count. 
The house originally went on the market for {$320000.00}. I purchased it for {$280000.00}. The original loan amount was {$250000.00} ( 90 % LTV ). 
The supervisor I talked to today, said it doesn't matter if the house is worth more, only if there are structural improvements or not.
Consumer complaint received 2019-08-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

HelloRecently a account came up on my credit report XXXX XXXX   the account was closed paid in full for a lesser amount in XX/XX/2013I spoke to XXXX when this came up last week on my credit report. XXXX checked it out and said this account was closed and would not affect my credit score of XXXXTransunionThey dropped my credit score 65 points leaving my credit score at XXXX. I called them today, what was thier reason to lower my credit report that much.. They had no reason for that. I verified that they had the same information number of accounts as XXXX,They have always been lower then XXXX Transunion uses the same software company as XXXX. They both should be the same. I have worked hard to repair and maintain my credit. Yes I did have problems in the past. I don't believe they have the right to manipulate ones credit as such. Transunion have no right to my information as far as I'm concerned, I did I give them the right to have my social security number or my personal information to sell nor have I given them the right to profit from my information.I'm furious
Consumer complaint received 2018-02-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP (NY)

An expired magazine subscription from 2years ago, through XXXX, was re-subscribed without authorization and charges put on a credit card used at that time. The order was canceled and the credit card account closed after finding out the charges were put on the card, but credit card company still says we owe them for the charges. Many attempts have been made to credit card company and the subscription company about situation, even filed complaint with New York atty. gen., but haven't heard back from atty. gen. Last notice via mail from credit card company still shows we " owe '' them money, from charges made by the magazine subscription company through XXXX, that were not authorized. Magazine company essentially committing identity theft. Credit card company is adding late fees.
Consumer complaint received 2021-03-05
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

I see multiple XXXX 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 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

My name is XXXX XXXX XXXX please remove any variations of my name they are not accurate. My current and only address is XXXX XXXX XXXX XXXX, WV XXXX XXXX. My SS is XXXX   DOB XX/XX/XXXX.Please delete the following addresses from my file they are not accurate: XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, WV XXXXXXXX XXXX XXXX XXXX, OH XXXXI HAVE  CELLPHONE NUMBERS ON MY FILE THAT DO NOT BELONG TO ME PLEASE DELETE THE FOLLOWING NUMBERS: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-05
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: AMERICAN HONDA FINANCE CORP (TX)

Honda Financial Services is incorrectly reporting to my credit. They have report my car payments late 7 times. When I in fact was not late and I have the proof that I wasnt late. My payments are due on the XXXX of every month but 7 different times when I paid on the XXXX they marked my payments as late and reported it to the credit bureaus. I made them mail me copies of my payment history. These are the dates they marked late but I have proof I wasnt late. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX. I want these 7 payments credited to my account as made on time and I want the adjustment made with the credit bureaus. I also want the fees associated with these late payment removed because I wasnt late.
Consumer complaint received 2018-02-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (IN)

In XX/XX/XXXX I received a statement dated XX/XX/XXXX from Citi Card saying that I owed a balance from a credit card of {$480.00}. There was no full number on the statement, just the last four digits, no listing of what the charges were for and a P.O. Box listed saying to immediately send in a payment. I had never applied for a card with them. I called a Citi Card rep and she did a search and found that I had no account and told me to forget it. I asked her if she wanted me to send in the statement to the company because of a fraud and she said no. In XX/XX/XXXX, another statement came for a payment of {$480.00} with a due date of XX/XX/XXXX and a balance listed of {$8500.00}. I questioned why I was still getting these statements. XX/XX/XXXX I placed a fraud alert report with the 3 credit agencies. On XX/XX/XXXX, I tried to speak with someone in the Citi Bank Fraud Dept. and had to wait hour even before speaking with anyone. Then, it took @ 45 min before it was decided to connect me the Loan Applications Dept. where I didnt get resolution because I was kept on so long waiting that my cell phone minutes ran low and my battery died. By XX/XX/XXXX. also, Citibank had placed this fraudulent posting onto my credit report ( first XXXX, then the others ), then I experienced repercussions from my credit card companies who began to reduce my credit and my credit score has plummeted very low due to their error. I am still trying to get this resolved. I have been trying to get the mailing address to send in a written complaint.From what I see, the company gave this other person credit privileges starting in XX/XX/XXXX when it would have been impossible for him/her to have due to my circumstances at the time. That is why I want to see the information on the credit application they okd. I filed a police report XXXX XXXX for identity theft. I've also gone on line and created an account with identitytheft.gov. I tried during this entire time to get a mailing address to send in my complaint but all Citi Bank has is online telephone numbers. I tried to go through those but couldn't get a mailing address. On Sat., XX/XX/XXXX I tried again to speak to a rep. ( again taking a long time to connect ), transferred to the Fraud Dept. which never answered and the rep. gave me a general mailing  address. It should not take this long to get this resolved. I've had the chance to see the reviews from the BBB and other sites. I hope I have a more positive resolution than what I've seen.
Consumer complaint received 2018-02-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Moneytree Inc (NV)

My name is XXXX XXXX, my complain is the negligence of the tellers at MoneyTree in XXXX and XXXX in XXXX XXXX, I was trying to make a payment of my loan amounting to {$700.00} on Saturday on the XX/XX/XXXX, but teller told me that they only take cash right after she swpied my card and i got charged. I am trying to make a payment in full so i can borrow again a small amount so I wont have to pay a bigger interest. I had to withdraw money from my other account so I could pay them in full and put the money back once they refinance me, they voided the transaction and today is Monday and my money is not yet back in my bqnk account and when I asked about the interest they said I am still gon na pay the daily interest of my loan that I was trying to pay last Saturday, because of their negligence i had to take another loan from a different lender to put my money back to my account to avoid overdraft charges from my bank and late fee from my landlord. I need your help with this and I wan na get conpensated from all the inconceniences they have caused.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

This is new relevant information and request from experian and i will send a hard copy of this request via mail because i will not give up on this matter IN ONE OF YOUR RECENT LETTERS YOU STATED BY LAW YOU MUST NOTIFY SO YOU KNOW THE LAW AND I NEED YOU TO FOLLOW IT IN THIS CASE YOU DID NOT AND I WILL BE FOLLOWING UP ON THIS ONE XXXXl XXXX {$600.00} : so experian said that they sent me correspondence that they had unblocked this account, ironically they had just sneaked it back on my report they did not know i was going to complain now they want to say they sent me a notification Well i need what the date the notification was sent? 

What was the report number on that notification? 

They only said they had sent it because I pointed out the violation of the FCRA, failure to notify They even said in a recent letter that when a account in ublocked they must notify, they did not do so, and i would be curious to see the date they claim they notified me PLEASE BE ADVISED THIS IS NOT A DUPLICATE COMPLAINT IT CONTAINS NEW INFORMATION ON THIS MATTER This is not a threat but if i dont received this information i am turning all my correspondence over to a consumer attorney with all communication on this particular account and lets see where you guys are going to get a letter dated when you sent this correspondence to me notifying me of you unblocking the above account I have every report from the date the account was blocked to the date it was unblocked and no notification was sent notifying me the account would return SEE ATTACHMENT
Consumer complaint received 2018-02-05
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: GMA Investments, LLC (FL)

They called my cell phone to get a hold of my husband, I called them back asking what it was about and they told me to tell my husband to grow up and pay the bill. They also said that their records indicate me ina " negative light '' and she wanted me to tell my side of the story before putting in her recommendation. They've called me twice and said they were going to take legal action.
Consumer complaint received 2018-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (VA)

I applied and was approved for the American Express XXXX XXXX XXXX Card on XX/XX/2017 ( see exhibit 1 attached ). As part of the offer details, I would receive XXXX XXXX XXXX XXXX after spending {$3000.00} in the first 3 months. After two statement periods, I spent a cumulative {$3300.00}, and paid in full ( see exhibit 2 and 3 attached ). After three statement periods, I spent a cumulative {$7200.00}, and paid in full ( see exhibit 4 attached ). I was also assessed an annual fee of {$75.00}. The {$75.00} is not included in my spend figures noted above. 

Further, American Express was offering XXXX XXXX XXXX Points for each referral that translated into an approved account opening. I approved both my wife and my brother in law, who both received approval, received the American Express XXXX XXXX XXXX Card, and both earned the XXXX XXXX XXXX  Points bonus. 

I have contacted American Express on numerous occasions, and have received a plethora of varying responses and reasons. A case was opened several weeks ago with no known resolution as of today.