davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Around XXXX XX/XX/2020. 
I sent XXXX $ to unknown person. There are not a person, he asked me to send several times with different names. 
I am an enlisted XXXX XXXX. A female texted for me in XXXX told that she is XXXX  in XXXX which is about finance, and shes gon na help me about care package that government will send for soldiers by money. She asked me my phone number to send instructions. Her name is XXXX, and her phone number is XXXX ( XXXX XXXX XXXX. About 5 minutes later, A male called me, he said he is XXXX XXXX XXXX works for XXXX in finance. He said my pay check is wrong amount, he said hes gon na fix it but he need Me send money for him to verify. I sent all of what I had. I did ask him several time to make sure this is true. He said Ill have money back immediately. Then he asked me for my friends phone number. He said he need update same information for them. I refused to give for him because I think he supposed to have it not from me. He hanged it up, and I am not able to call him back. I texted for the female that did she give my phone number for him, she said no but I am not able to text for her immediately because he deleted her account. 
Here is some information that I have XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX : XXXX XXXX
Consumer complaint received 2021-12-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft CXXXX Date of inquiry : XX/XX/2020 This is not mine. 
XXXX. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-05-07
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: Rocket Mortgage, LLC (TX)

On XX/XX/2021 I called my current mortgage provider Quicken Loans to seek advice on potential options they might offer for us to re-d our master bathroom. Purely advice and specifically stated I did not want to apply for a loan or run credit inquiry until my wife and I decided what direction we wanted to take and timing. 

On XX/XX/2021 I received an alert from XXXX of a new inquiry. I called Quicken Loans to dispute and they got back to me on XX/XX/2021 essentially not taking responsibility nor acknowledging that I gave them permission to pull the credit inquiry. I even advised them to listen to the recorded call as I specifically told the rep not to pull credit until I was ready. 

I called XXXX  on XX/XX/2021 to dispute the inquiry and they refused to address the issue. They acknowledged that a company could have performed the inquiry without my consent but that they just record the inquiry and can do nothing to resolve. They said this is just the law and they can not do anything to escalate. Even if I want to talk escalate the issue I would not be helped. 

This is an unfair and deceptive practice as a company error hurts individuals while having no repercussion themselves for errors. I now have a decreased credit score due to their negligence and have no way of resolving or disputing their error.
Consumer complaint received 2018-02-27
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. (IL)

My husband had a credit card with XXXX XXXX XXXX. He stopped paying his bill and the credit card company then reported negatively on my credit report. I called them on XX/XX/XXXX and was informed by them that this debt is a marital debt. They told me they can report this on my credit negatively if they so please and they do and they are doing just that. This was not my credit card. I never signed/applied for this credit card and they should not have had my social security number. 
According to my soon to be ex-husband, I was only an authorized user. He had to have given them my SSN. He has done a lot of things to create financial hardship for me since he filed for divorce and did not tell me until 4 months later ( 18 days before court ). 
My house is in foreclosure ( because he stopped paying the mortgage ) and he has stopped paying the time share also. 
I filed a dispute with Equifax approximately XX/XX/XXXX. 

FYI : XXXX is my husbands nickname.
Consumer complaint received 2021-05-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION (TN)

I opened a checking/savings account with Navy Federal Credit Union in XX/XX/XXXX. When I received my debit card, I began to update my payment information, having next received returned check fees for insufficient funds due to declined debit charges before. Immediately, I began to receive numerous returned check fees, each at {$29.00}. When I received my first check, which posted on XX/XX/XXXX, my account was already overdrawn by {$140.00}. 
I contacted NFCU to see if they would refund the fees. They agreed to refund {$58.00} back to my account. They claimed that all these charges were from bank drafts? Not possible. I had 2 charges that could have resulted from bank drafts for XXXX. I was also charged a returned check fee the same day that my check posted. 
I was charged again three times in XXXX and so far, once for XXXX, claiming that a {$200.00} transfer that I scheduled to go into my XXXX  Account on XX/XX/XXXX didn't actually get transferred until XX/XX/XXXX, resulting in the money not being transferred and me being charged another {$29.00} returned check fee.
Consumer complaint received 2020-12-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (HI)

I fell about XXXX payments behind in earlier XXXX. I was offered a loan repayment option to catch up over the next 4 months leading up to XX/XX/XXXX. In XX/XX/XXXX upon making a payment, the option online was not available, which lead me to call the mortgage company. They explained that I was to return some document that I never received and then provided me a loss mitigation application packet, in which was not received until 2 months later. Once received, the mortgage company began to ask for additional documents that were not part of the requested documents. Additional documents were sent once they were available ( taxes for XXXX & XXXX ), but then the mortgage company requested to resend the loss mitigation packet, additional documents ( such as pay stubs, bank statements ) claiming they were expired and/or outside of their timeline to complete the application. Again, this has been going on since XX/XX/XXXX and here it is XX/XX/XXXX and they are still asking for me to resend documents that they already have. I have been patient, but I am beyond aggravated with the process and the mortgage company! As a XXXX, I can only imagine how many other people, ( Veterans and/or Civilians ) that this company is taking advantage of. This has seriously affected me and my wife 's credit score ( no payment has been made in over 12 months due to lack of this company 's standard process. Please help me! This company should not be servicing our XXXX!
Consumer complaint received 2020-10-26
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. (TN)

i have now ask these companys to remove the accounts now 7 times they have not provided any proof that these accounts belong to me and i have let them know that my information was stolen and use to open accounts without my consent.
Consumer complaint received 2021-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

Since XX/XX/XXXX of this year I have attempted to file a claim with my bank for fraudulent activity six times. These claims have all been denied. My bank furthermore directly contacted me to tell me that despite giving them more information each time each claim was filed that if I continue to pursue this claim that it was going to be denied immediately each time. This fraudulent activity took place in a state that I have never been to and also have never lived in. Despite giving this information to my bank the ruling in the claims were against me due to inconsistencies, this is the only reason that the bank gave me for denying my claim repeatedly.
Consumer complaint received 2020-10-26
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: Experian Information Solutions Inc. (PA)

CREDIT COMPANY DROPPED MY CREDIT SCORE 50 POINTS. TWO COLLECTIONS WERE REMOVED AND THERE WERE NO OTHER CHANGES SO WHY DID MY CREDIT SCORE DROP AFTER I CALLED AND MADE A COMPLAINT. IN ADDITION I REQUESTED TO HAVE WRONG INFORMATION REMOVED FROM MY REPORT. 

I have four inquiries from XX/XX/2018 that are still on my report and need to be removed. 

also after submitting court documents from XXXX account that's states " charged off XXXX dollars '' it still is listed on my account. Negative XXXX account is pass the 7 year mark as well and needs to be removed. 

Ever single time i call to speak to someone they hang up on you. You can never talk to a representative at experian which is really unfair. You have to keep putting in disputes and waiting 30-60 days to see if its deleted. they only send back paperwork stating that the debt is verified without any proof of how they are claiming its verified.
Consumer complaint received 2020-10-26
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. (TN)

i have now ask these companys to remove the accounts now 7 times they have not provided any proof that these accounts belong to me and i have let them know that my information was stolen and use to open accounts without my consent.
Consumer complaint received 2021-05-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

I have made multiple phone calls regarding deferment XX/XX/XXXX - I spoke with XXXX regarding Loan Modification and I was told that the new APR would be around 2.75 % but the loan will be extended to another 30 years. She confirmed that the forbearance ends XX/XX/XXXX. 
XX/XX/XXXX - I spoke with XXXX who told me I need to sign the expense statement and provide a copy of most recent paystubs within 30 days XX/XX/XXXX - I spoke with XXXX. We discussed the OPTION of DEFERMENT as I DECLINED the loan modification that was sent to me because the APR is STILL > 4 % plus the loan is now 40 years. IT DOESN'T make any sense whatsoever. XXXX confirmed that the forbearance ends XX/XX/XXXX XXXX - I spoke with XXXX. he said there are no other notes in the system. He said he will escalate the situation to a supervisor and to call next week to follow-up XX/XX/XXXX - I spoke with XXXX who said EVERYTHING IS SUBMITTED but there is no decision yet and they haven't reached final terms. He confirmed that the forbearance ends XX/XX/XXXX XXXX - I spoke with XXXX who transferred the call to XXXX. She said the case has been escalated on XX/XX/XXXX for deferment review but the case is closed XX/XX/XXXX. She was not able to find out why. She couldn't get a hold of a supervisor so she asked me to call next business day. 
XXXX - I spoke with XXXX from loss mitigation who said THERE ARE NO NOTES AT ALL REGARDING DEFERMENT. He " advised '' me to sign the loan medication sent before so they have something in writing that I declined it. I don't understand why when 3 other people before him confirmed that the deferment request has been sent! I asked to be transferred to a supervisor but NO ONE IS AVAILABLE. 

Every time I ask to speak with a supervisor no one is available. NO ONE ever called me back to give me update. Their Customer service line doesn't have an option to speak with anyone unless you pick the option for payment with an agent. No one seems to be available to help me and I am getting very anxious since forbearance is ending soon. I can not pay > XXXX at one time to get the account current.
Consumer complaint received 2021-05-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (SD)

I woke up to see {$1500.00} had been withdrawn from my account at XXXX XXXX, and didn't have time to investigate so I had them temporarily lock the account. It's been over a month now and I've submitted 10 tickets for support. Each gives me a canned response of " We'll get back to you in 3 or 4 days. '' My account is still locked, I can't access, let alone transfer/withdraw funds.
Consumer complaint received 2021-05-07
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: DISCOVER BANK (FL)

I WAS VICTIM OF IDENTITY THEFT AS A RESULT OF THAT ACCOUNTS WERE OPEN UNDER MY NAME THAT ARE NOT MINE AS FOLLOW DISCOVER FINANCIAL SERVICES # XXXX ....
Consumer complaint received 2021-05-07
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)

On XX/XX/XXXX I disputed Experians failure to accurately report information surrounding a credit card that I have had for over 9 years. I contacted my credit card company, XXXX XXXX who advised they have been sending the information to experian. Experian is NOT updating my credit report with accurate data. As a result I am suffering from increased interest rates from various institutions because of Experians unwillingness to investigate issues on their side.
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (PA)

Equifax has lost 3 police reports but nothing else. I now misplaced the reports they admit loading. The police reports weren't even needed but they lie and don't change nothing until you have one. So they deleted some hard inquiereys but there were 2 if each. So they deleted the first date off report but now they can't find it. It is 3rd time I sent two reports the police hated doing because this is fraud happening but not police fraud. I also used the FAIR CREDIT REPORTING ACT. They have my laws and what I asked for? They didn't do any of it and there 45 days are up. They lie and say the fair reporting agency doesn't apply to them. Probably because they are located in XXXX. Anyways they had their time and I sent them these small items but they refuse even with reports they used but now list. They do have my fcra sections XXXX and XXXX. But they say they laws don't apply. I want the 5 hard inquiries that my ex put on my report off, the 2 late payments on XXXX XXXX  and XXXX credit cards that were mistakes off and the 7 year old fraud case of XXXX dollars somebody got card and took all of it out in cash. The credit can't company didn't inform me or the credit butesus. I we antbthst off like the 2 other agencies took off.
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CBC Companies, Inc. (CA)

I am in the process of a mortgage refinance with XXXX XXXX. 

To ascertain the interest rates for my refinance, XXXX XXXX receives a FICO credit score from a company in Colorado, Factual Data <www.factualdata.com>, I monitor my credit regularly and assiduously directly with the three credit reporting agencies, Equifax , Experian , and XXXX XXXX . I have received the online " FICO scores '' they produce for consumers like myself. However, the scores that are being reported to my lender, XXXX XXXX, from Factual Data and XXXX are wildly out of sync with the scores I am receiving directly from the credit reporting agencies. This results in a higher cost loan for me. 

When I contacted Factual Data, they claimed that they were simply reporting the FICO scores. I realize that there are different " flavors '' and " models '' for XXXX scores. Factual Data sent me to XXXX for an explanation. But XXXX on XXXX will not talk to me about my credit score unless I pay them a fee. 

Consumers are supposed to be able to receive a credit score annually for free. This does not, apparently, include the XXXX score, which must be paid for. I did pay to receive these scores, but they were apparently not " true '' XXXX scores, and I can't even begin to negotiate with XXXX to obtain the " true '' scores used by my mortgage lender unless I pay them an additional fee. So these scores were effectively worthless. 

Even then, if I were to pay XXXX, I realized that I have no guarantee that they would provide me with an adequate explanation for the discrepancy between the " true '' scores provided to my lender and those provided to me by the credit reporting agencies. So I stopped throwing money at this problem. 

This credit reporting process is clearly not transparent in any way, and it has direct impact on the cost of any mortgage ( or other ) loan. I believe that both FICO and the credit reporting agencies are engaging in deceptive practices that consumers have no way to counteract, and charging money to do so. The credit scores under these circumstances are a XXXX box for consumers. Anything the CFPB can do to help consumers obtain clear and accurate information will be applauded by me, and I suspect by millions of others.
Consumer complaint received 2018-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC. (KY)

XXXX XXXX filed a lawsuit for a credit card claim which I did not make. Case # XXXX in XXXX County District Court in  XXXX, Ky. Waited for over a year for it to go to court. Midland 's lawyer showed up before my case and did not have any complaint for me and judge dismissed the case for lack of prosecution dated XXXX. My lawyer wrote to the three credit reporting agencies, XXXX and XXXX removed the bad claim but XXXX refused to remove the false charge. This has been going since XX/XX/XXXX and I have filed complaints to them every month up to XX/XX/XXXX. Supporting documents are available.
Consumer complaint received 2021-12-03
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. (SC)

Unauthorized person shown on credit reports for a credit card account. I did not authorize this person. I disputed this information with Experian in 2017 and current report still shows this person as an authorized account holder. This name was recently used as a security question for me to obtain use of a financial database and I was declined because I do not know this person.
Consumer complaint received 2023-01-31
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: FREEDOM FINANCIAL NETWORK (MS)

I Signed up with Freedom Dept Relief, in I think 2018 Freedom dept relief, said that I pay them and in turn they would pay off my Creditors. 
What happened was that I paid Freedom Dept Relief monthly, They did nothing with my Money, except ruin my Credit, My depts were not paid and my credit was ruined
Consumer complaint received 2021-05-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC (CA)

XXXX XXXX XXXX, XXXX CREDIT CARD Firstsource Advantage , LLC I settle the account with Firstsource on the ammount of {$520.00} and this company was going to notify XXXX XXXX XXXX XXXX XXXX XXXX CREDIT CARD and delete it from my credit report but it does not show on my credit report, it shows that the account was reduced by {$520.00}, still shows that I still owe XXXX  money. I settled the account for {$520.00} and they were going to delete it from my Credit Report. I have the letters they send me of total deletion. Please DELETE THE COLLECTION FROM MY CREDIT REPORT AS THEY PROMESSED.
Consumer complaint received 2021-12-03
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. (NJ)

XXXX XXXX has failed to provide me with validation of the below accounts made pursuant to the fair debt collection practices act and fair credit reporting act, along with the corresponding state laws. 

I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

Please be aware that any negative remark found On my credit reports ( Experian ) from your company or any company that you represent, for a debt that I do not owe is a violation of the FCRA and FDCPA ; therefore if you can not validate the debt, uou must request that all credit reporting agencies delete the entry.