davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-30
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX {$890.00} XXXX XXXX {$2300.00}
Consumer complaint received 2018-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (IN)

I don't remember apply for Citi Double Cash Card in my name on XX/XX/2018. I have filing dispute case to XXXX  and XXXX online today. I have not proof of someone uses my private information and email, too. Also sent spoof email address to XXXX today about this serious issues.
Consumer complaint received 2020-07-16
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: JPMORGAN CHASE & CO. (CA)

I ordered a laptop from XXXX XXXX XX/XX/2020 in the amount of {$1900.00} but never received the package. XXXX reports the package was signed at released by the driver on XX/XX/2020, but my package was never delivered to my door. I never signed for any package. I don't understand why my package did not require a signature from me. Contacted XXXX XXXX who denied my refund or shipping a replacement, then I disputed the charge on my Chase Credit card. XX/XX/2020 I received a letter from chase stating my claim was denied.
Consumer complaint received 2018-06-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: MoneyLion Inc. (NJ)

Money Lion is a service where you pay monthly for the ability to take out small loans. I signed up for it in haste because I was in a pinch but, I never used it. I called on XX/XX/XXXX to cancel it ( day after account was opened ) and they told me I was unable to cancel it because they were in the middle of an ACH transaction on my account. I told the representative that I withdrew their ACH authorization on my account but she refused to comply. Fast forward to XX/XX/XXXX when 4 more ach attempts are charging me overdraft fees, I call again and they tell me that their terms supersedes federal and state law and I am not allowed to withdraw my ACH authorization. They refuse to cancel my account and they refuse to stop ACH transactions. Meanwhile, they compound $ XXXX monthly fees for an account I can't cancel. This is a scam and they are acting unlawfully.
Consumer complaint received 2021-02-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I went to get financing for a car loan. I was excited to go to the dealership until the car salesman came back into the room and informed me that he wasn't going to be able to get me financing for any vehicles. This caught me by surprise because I have always understood the importance of having and maintaining good credit history. So I always did my best to make sure I kept all of my affairs in order. So of course I was full of many different emotions when the salesman informed me that I wouldn't qualify for any financing. These negative items being reported on my credit report are not my accounts. I demand them be removed. This is defamation of character. This is also a FDCPA violation 15 USC 1692d. Reporting inaccurate items on someone credit report negatively affects a consumer 's reputation. FCRA 15 USC 1681 states that a consumers credit report is the consumer 's reputation. If these items are not removed immediately I will seek litigation. I also provided evidence to support that I was a victim of the XXXX data breach.
Consumer complaint received 2021-02-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I disputed a collections account with this credit bureau and they failed to properly verify the debt with supportive evidence that the debt belonged to me within their 30 investigation period. 

First letter XX/XX/21 Second Letter XX/XX/21
Consumer complaint received 2022-09-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (GA)

Hi I am calling about refunding my student loan payments with EdFinancial. I have had different customer service representatives give me conflicting reports about when student loans will be reinstated. Please help me so I can stay eligible for the student loan forgiveness program.
Consumer complaint received 2021-02-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I disputed a collections account with this credit bureau and they failed to properly verify the debt with supportive evidence that the debt belonged to me within their 30 investigation period. 

First letter XX/XX/21 Second Letter XX/XX/21
Consumer complaint received 2020-07-16
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: CITIBANK, N.A. (PA)

I have disputed this BrandSource credit card account now three times and was told that the information was accurate, however, this account is a fraud. I do not know what BrandSource is and what was bought on this account and when. I disputed the accounts with the credit card company in XX/XX/XXXX as well as XX/XX/XXXX after I was told they believed it was accurate because it was being paid off. I even attempted to ask for the contact information on the address and they would also not give me that. I then went to dispute the account through XXXX, XXXX, and XXXX  and BrandSource in XX/XX/XXXX and they provided the bureaus with the same information stating that since the account has been open since XXXX and being paid that they will not follow through with the dispute. Again, I did not and never opened an account with them. They send me emails about the account and I can not even open to see information on the account because I do not have access to whatever email and password are on the account. The only reason they started sending me emails and paper mail is because I gave them my actual email and address when I filed the complaint the first time.
Consumer complaint received 2020-04-30
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. (AR)

I pulled my credit to myself for the first time in 6 years and seen many accounts that were not mine. i never applied nor seen any of these accounts.These accounts need be removed. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX. There are also some inquiries that I'm not aware of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX I have contacted the FTC and my local police.
Consumer complaint received 2021-02-28
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. (SC)

On XX/XX/XXXX, I submitted a Dispute with Experian regarding incorrect information from the creditor XXXX on my Credit Report. On XX/XX/XXXX XXXX illegally opened an account, and then reported the Debt included in or discharged through Bankruptcy Chapter XXXX. This Account was Not included in my Bankruptcy. Then on XXXX, XXXX XXXX placed a Collections Status on my Credit Report, and another Negative Status on XX/XX/XXXX, even though the Account Status was Closed and there was no Usage, Balance or Payment History. Experian however rejecting my Dispute, and as a result my Credit Score has decreased significantly. 

On XX/XX/XXXX, through XX/XX/XXXX, I was shopping for a Car Loan, and had 8 total Hard Inquires during that 17 days timeline. Experian, currently listed all 8 Inquiries separately on my Credit Report, and does not allow for an Online Dispute to correct. As a result, my Credit Score currently lists 10 Inquires, which is significantly more damaging then the 3 it should reflect.
Consumer complaint received 2022-08-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TN)

On XX/XX/2022, when trying to resume the payments with Wells Fargo for my mortgage on the phone in two days, they found their way to offend me again. I was told to use this number XXXX for information on Wavier for taxes which are due at the end of the month of XXXX. They told me and gave me a fax number and email to send a document for a tax waiver when I sent it. They sent an email not to use it. I call the same number the next day the person on the line could tell me if anything was received. My problem is they are dropping calls, and not confirming received documents that were sent, and with the number of customers they deal with, plus when they cut off my email in their system there is no way to voice my concerns, this leads to harassing behavior. The information that is given from that number is too wide ( from just using this fax number to we don't handle that not my department )
Consumer complaint received 2018-02-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

Hi, I've made a wire deposit from XXXX XXXX XXXX to Coinbase ( XXXX XXXX XXXX   ) on XX/XX/XXXX amount of {$25000.00}. However, the amount is still not showing up on my Coinbase account. I've called the XXXX XXXX XXXX  customer service and they told me that $ XXXX has been deposited to Coinbase on XX/XX/XXXX. I've contacted Coinbase several times in many ways but have not heard anything from them yet. 
For me, this is a large amount of money and I am very concerned about this issue. Could please please help me on this issue? I really want to know what is going on with my money? Below are the details of my transaction. Please let me know if you need anything else. 

Thanks for your help in advance! 

- Amount : {$25000.00} - Date sent : XX/XX/XXXX - Name of sending bank : XXXX XXXX XXXX - Personal name : XXXX XXXX - Email on Coinbase account : XXXX - Reference # : XXXX XXXX XXXX numberXXXX
Consumer complaint received 2021-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (VA)

I previous complaint I submitted was resolved with satisfaction. I received a refund and enrolled in covid assistance. After I received the refund the balance was added back to my account as agreed, however my credit limit was reduced. The limit reduction with the balance added back significantly impacted my credit score. This is not align with the Fair Credit Reporting Act. The company decided to refund the payment to assist with my hardship. My credit limit was {$15000.00} and reduced to {$4500.00} on the statement dated XX/XX/XXXX. 

Ive contacted the company for an explanation of the reduction as I have never had a missed or late payment. Ive contacted the company to increase my credit limit. As of XX/XX/XXXX I have a balance of {$18000.00} with a credit limit of {$4500.00}. I am enrolled in the Special Program that require auto draft of {$390.00} every 14th of the month and freezes card use while enrolled. My credit limit needs to be increased back to the initial limit while Im in the program and unable to use the card. The current credit limit is not an accrual reflection of my account and is unfairly impacting my credit score.
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

On XX/XX/2020 there was a hard inquiry on my equifax account from XXXX XXXX  XXXX  I didnt Authorize any inquiries.
Consumer complaint received 2021-11-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Trying to sell a house that has a security deed that should have been cancelled the loan was paid off XX/XX/XXXX. XXXX XXXX acquired the loan from XXXX XXXX ; the Security deed for XXXX XXXX  was cancelled and recorded in the deed book XX/XX/XXXX. The XXXX security deed was recorded XX/XX/XXXX. Bank of America acquired the loan from XXXX. However, they did not cancel the XXXX Deed when they took over the Mortgage. From XX/XX/XXXX I have tried to get the deed canceled or a notarized statement saying that the loan was paid on XXXX. I have sent BOA the HUD1 statement with the payoff information, and the refinance loan document with the Deed of Trust. Just today they send me an email saying the loan was transferred to XXXX XXXX  along with the funds for the payoff. I am in a desperate position because I have a closing date for XX/XX/XXXX. I have change the closing date 3 time from XX/XX/XXXX due to BOA lack of help in resolving the matter
Consumer complaint received 2018-06-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (OH)

In XXXX of 2015 I had a mortgage with XXXX XXXX XXXX XXXX, which was transitioning to Dietech Mortgage Co. as I was refinancing my home with XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX was handling the title searches and escrow accounts and disperments of funds. A few months after the closing I stared getting mortgage statements from Dietech again saying that I still owed money. I called XXXXXXXX XXXX who sent them the payoff agreement and copies of the check. Dietech has continued to try to bill me monthly and has kept my escrow account open and had been paying my taxes twice a year and billing be for the deficit in escrow while my new mortgage company, XXXX XXXX, has been paying my property taxes out of my on time monthly payments. Dietech also sent me a paid in full letter in XXXX of 2015 and closed my account and then later re-opened it under another account number and then when I did not pay them the escrow deficit, they sent my husbands name to the credit bureaus causing damage to my husbands credit and higher interest rates on our student loans for the children and car loans. Myself and XXXX XXXX have been trying to sort this out with Dietech for 3 years now. We get different customer service reps with each phone call which causes much confusion on both sides of this problem and many different excuses as to why this hasnt been settled. They also still have their name on my mortgage as they never sent out the satisfaction of mortgage that was needed. I have gotten apologies and promises to correct this error of their as we speak on the phone, and then the next week I call and they tell me it is my fault because I the escrow deficit or something else. I have paperwork from them telling me that they did an investigation and I have an escrow overage of {$5500.00} but I need to pay {$1700.00} first to get that money. The next phone call to them informed me that the money may not actually be in there as they may have paid  something for me. There should be no activity on that account for three years so I dont know what they could have paid. They have both XXXX XXXX and myself chasing our tails with no clue as to how to resolve this. I would appreciate any help or guidance that you may be able to give me. I am at my wits end. Thank you so much!
Consumer complaint received 2020-07-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Pangea Universal Holdings, Inc. (CA)

I tried sending money through Pangea Money Transfer for {$290.00} + the fees. Its been over 4 days and my transfer has not received in XXXX. I have been calling repeatedly to Pangea and they havent been doing anything to get my money transferred to XXXX. I have requested call back from a manager couple of times and no one is calling back. I have exhausted all the resources to get my money back. Transfer ID XXXX
Consumer complaint received 2018-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PRESTIGE FINANCIAL SERVICES INC (NC)

Prestige Financial Services has been reporting inaccurate information repeatedly on all three of my credit reports, I have disputed this information monthly since XX/XX/XXXX and this information is still being reported incorrectly. I called to have the vehicle surrendered in XX/XX/XXXX the car was picked up in XX/XX/XXXXI did not make any payments on this car after XX/XX/XXXX The car was sold at auction for {$6800.00} and the deficiency balance is showing as the balance before the sale which is over {$14000.00}. This is incorrect and I have disputed this amount to be corrected for 4 years with no resolution. I have documents that show all the payments I remitted to them and what should be the amount reported. They have reported not only the incorrect amount but they have reported the car as repossession and this should be reported as voluntary Surrender.
Consumer complaint received 2018-02-23
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Global Recovery Solutions (AZ)

My family members and myself received threatening calls and voicemails saying they were taking me to court in XXXX XXXX ( which is in Arizona and they called from an Ohio number ) and filed an order for location. They gave me a fake case number which didnt pull up anything with the county public records. I called the number they left and they didnt offer any disclaimer or gave me my rights. They just said legal when they answered the phone. I asked if this was a debt collection agency and they said no so then I asked the attorney they work for and the lady started to talk about personal information without verifying who I was. They werent telling me who they were. I told her I wasnt going to discuss personal information nor would I verify my personal information if I didnt have all the company information because i felt like this was a scam. I asked her to not contact me or my family members again and she said see you in court, XXXX.
Consumer complaint received 2021-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (PA)

I canceled my XXXX Mobile Service, and despite multiple phone calls I was still being charged and now have been sent to collections. When I closed the account I had a XXXX balance and I was no longer a customer. It is all verifiable through the chat log via XXXX mobile website. 

Now that the account is in collections. I have tried to call multiple times and am never connected to the proper people. I attempted to solve this through the collection company but they won't acknowledge the information is incorrect. I have filed several disputes via the credit bureaus to no avail. Also, the amount owed differs between XXXX  Mobile and the collections company ( CREDIT COLLECTION SERVICE ). The balance indicated by Xfinity is {$440.00}. The balance indicated on my credit report is {$650.00}. 
I would like my services properly canceled, and previous fraudulent charges to be removed and the collection canceled and credit restored. 

Here is the collection agency : CREDIT COLLECTION SERV Original creditor : XXXX MOBILE XXXX XXXX XXXX XXXX, MA02062 ( XXXX ) XXXX Thanks for your help with this matter
Consumer complaint received 2020-04-30
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 decided to get my credit pulled due to a couple of collection letters i continued to receive in the mail. I have never heard from the place before, I suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX {$430.00} XXXX XXXX {$1200.00}
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hello. There are two inquiries in my XXXX profile that doesnt belong to me or any product that I have.

Inquiry information : XXXX XXXX XXXX XXXX XXXX XXXX  Capital one bank, XXXX XXXX I dont recognize those inquires
Consumer complaint received 2020-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

Set up with IRS portal to have my {$1200.00} Covid 19 stimulas Check direct deposited. 
That Bank is XXXX. 

That transaction happened, without problem. 

Next, I set up a external account tied to JP Morgan Checking Account. 
My goal was/is to use {$900.00} of above to Pay my Rent for XXXX. 

Prior to setting Up External Account- Chase had protocal of depositing two small amount into the XXXX account. Once those happened- I was told to log back onto my online Chase Account to verify these Deposits of XXXX cents and XXXX cents. 

I did that step and External link to XXXX was established. I then went ahead to set up a transfer from XXXX Account into my checking account at JP Morgan of {$900.00}. Screen indicated it would be done on XX/XX/XXXX. I logged onto JP Morgan Account in late evening of XX/XX/XXXX and Account was blocked for access due to purported " suspesious '' activity. I called their customer service ( 32 minute wait time ) - and said they needed to call XXXX XXXX to confirm this {$900.00} transfer I requested. They put me on hold. Once back online told by they could not reach XXXX by phone and were going to close my account. I said just cancel this external account and Reactivae my needed Checking Account. Said I would have online access in a day. That did happen. However this is NOW URGENT MATTER : On XX/XX/2020 part of my much needed government Covid 19 emergency moneys was transferred at XXXX XXXX to JP Morgan. THIS {$900.00} IS NOT IN MY CHECKING ACCOUNT FOR ME TO PAY MY RENT! 
The external link now shows NO XXXX indication. This {$900.00} is out somewhere and it is rightfully mine to access. Please Help!