davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North Shore Agency, LLC (CA)

On XX/XX/18 I received a letter from NSA, North Shore Agency. This is a collections agency demanding delinquent payment owed to XXXX XXXX XXXX. The letter was dated XX/XX/18. 
I did not order this magazine and spend over 40 minutes trying to contact them. All of the phone numbers forwarded me to automated answering machines or left me on endless hold, finally inviting me to leave a message, but with no promises that the message would be received. 
I never enrolled in a magazine subscription of any kind. I do not owe this debt and will file a complaint with the US Postal Service as well as this is mail fraud. 
I filed a claim with the Federal Trade Commission and the Consumer Financial Protection Bureau.
Consumer complaint received 2018-07-18
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. (CA)

I was victim of identity fraud in XX/XX/2016 and have been dealing with companies to remove in accurate information ever since. One company in particular Experian is horrible to deal with. Just to talk to someone you have to buy a credit monitoring service for XXXX ( privacy guard ) a month that will transfer a call through to an Experian rep. This is an awful business practice. I signed up for Experian service but they try and send promotions and they also have a fee for parts of their service which I think would be a huge conflict of interest, since they are promoting credits cards but are not making it easy to clean up errors on ones credit. 

I have attached a letter from XXXX XXXX that is supposed to delete a account off my credit but they have not done it. I am holding Experian and the Bank accountable and I am demanding they remove the information immediately.
Consumer complaint received 2018-07-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I reached out to capital one in XXXX informing them that I wouldnt be able to pay my full car note each month ( {$220.00} ) and the agent told me that I didnt qualify for lower payments or for me to skip a month and that my only option is to pay {$100.00} minimum each month and that would stop my car from repossession. Around XXXX I believe I started to receive calls from their collection department and I told the agent was the previous agent told me and she said that was correct and that she would stop the calls. Fast forward to today, XX/XX/XXXX, I receive an email from capital one stating that my car is heading for repossession. So I called the finance department just to be insulted by the agent who stated {$100.00} isnt enough when will you get a job Im appalled by the practices capital one has chosen to take when Ive kept up my end of the bargain by making {$100.00} payments each month just to be told oh those only went towards XXXX and XXXX balances. I asked my options today just to be told there arent any and that I simply need to pay my FULL bill or my car will be repossessed. Lets be clear this car isnt even worth being financed. I am on my THRID engine with this car. Im too busy trying to repair it that I can afford repairs and the car note on top of loosing my job. Im just disgusted how they handled this entire Situation. Ive ALWAYS paid my car note in full and the one time I cant Im harassed with threats of repossession. Oh and since all calls are recorded please feel free to go back and listen to all three calls
Consumer complaint received 2023-01-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This complaint is to follow up on any response from you after 30 days of investigation. As I reviewed my Credit Report I noticed that there is still an item that is reported as erroneous and incorrect information. Despite the previous written request sent to XXXX, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of these accounts. It is unacceptable to continue reporting these accounts as unconfirmed information without producing proof within the time allowed by law. 

XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NM)

I have 9 accts that were included in my Chapter XXXX Bankruptcy discharged in XX/XX/2019 that continue to report neg information on my credit report and they are still affecting my ability to get new credit or my current credit! Late payments & neg information is still visible to anyone that pulls my credit when I am applying for new credit. Per bankruptcy laws these accts are to clear all neg info and just report a closed acct included in bankruptcy, but these accts still are! I have disputed these items several times & they still continue to report this neg information. The credit bureaus & the individual companies refuse to correct or remove these neg accts. Pls help me to get these items removed from my credit reports as I have had no luck disputing them myself. I know this is a violation of the Bankruptcy laws & these companies need to be called out on this kind of violation. I can provide proof of this affecting me in a neg way. The bankruptcy will affect me for 7-10 yrs but the law but the accts are to no longer affect my credit. This is a direct violation of this law and now all of these items need to be removed per the law. Pls help enforce this action.
Consumer complaint received 2018-07-18
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. (TX)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX 2. XXXX  XXXX XXXX 3. XXXX  XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX  7. XXXX XXXX XXXX 8. XXXX XXXX   XXXX 9. XXXX XXXX XXXX 10.XXXX XXXX XXXX 11.XXXX XXXX XXXX 12.XXXX XXXX
Consumer complaint received 2018-07-18
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

XXXX REPORTING FOR LAST TWO MONTHES REPORTING TO OTHER CREDIT BUREAUS WRONG BALANCE ON ONE OF CAPITAL ONE CARDE BEFORE THE CYCLE ENDS. XXXX DONOT FIX THE PROBLEM MONTH AFTER MONTH.
Consumer complaint received 2018-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I filed a complaint on XXXX XXXX. Today I received a call from someone in their call center in XXXX who was using discriminatory statements, laughing about me the costumer not being to make the payment she was requesting {$3000.00} so they would stop reporting the wrong information on me, even though, I have a payment agreement with them and have been paying on time ( automatic payments ) the person on the phone was challenging me to pay XXXX XXXX+ three times what my agreed payment is to see IF from here on they will start reporting correctly, this is out right discrimination, extortion and unlawful that a credit card company reports false information on a customer. They also closed my account several months ago, they reported it to the credit bureaus which hit my credit score substantially, then they filed with the bureaus that my credit card was open and marked my credit with three late payments even on the months that I have paid my agreements. The account shows open in the credit bureaus and on their site is closed. These credit cards are abusers!
Consumer complaint received 2021-08-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BAM Management US Holdings Inc. (FL)

I opened this ticket on XX/XX/XXXX. As of today, no resolution. 

I am out of {$2000.00} and the coins are not available on Binance.US account for me to trade or move or sell. 

This is criminal! 

I sent them also the screenshots of the purchases showing on the site with the note that I had to wait to use the coins Plus the screenshot on how it looks now : no option I can chose. Nothing I can do with the coins which show XXXX in the Assets list See attachments as proof. 

I also have the emails where they confirmed the 4 times purchases ( which was a mistake as the site gave FAILURE after each transaction except for last XXXX ) XXXX  XXXX, 2021, XXXX XXXX My transaction gave me error 4 times but the transactions went through 4 times and I only meant to do it once Hi, I sent this ticket more than a month ago. Only today I was informed that the email I sent the ticket from was wrong!! 

This is such a disservice. 

I am out of {$1500.00}!!!! 

The 3 transactions did not go through. They gave error and then, after the 4th one went through, I saw all of them going through. 

And, after all this time, I still can't do anything with these!! 


I need urgently help!!
Consumer complaint received 2021-04-06
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: CITIBANK, N.A. (WI)

I have worked hard on paying my debt with citi cards cbna, so I said will try to get another credit card with citi and I had called first to confirm with my debt. I tried on XX/XX/XXXX and also on XX/XX/XXXX And I was told both times that since I paid my debts off I should have no problem getting another credit card with citi. But I got denied twice now its on my credit inquiries with XXXX and XXXX XXXX. I need them to be removed from my credit inquiries from XXXX  and XXXX XXXX!!
Consumer complaint received 2020-10-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

My wife and I both got our credit report about six months ago and there was multiple accounts and personal info on the report that do not belong to me and I didn't authorize. I filed a police report, an identity theft report, and disputed all info with the credit bureaus. My wife 's incorrect accounts and info was all removed from her report but not mine. We did not authorize these accounts neither one of us.
Consumer complaint received 2021-08-17
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: CAPITAL ONE FINANCIAL CORPORATION (MN)

Regarding previous CFPB complaint # XXXX. Capital One states in it's XX/XX/2021 letter that I have been credited for the entire transaction however the math does not indicate that as true. Initial merchant charge : XXXX. Merchant credit : XXXX. Capital One provisional credit : XXXX. Capital One debit in error : XXXX. Capital One credit : XXXX. XXXX still due cardholder : XXXX Capital One still owes me the {$230.00}.
Consumer complaint received 2020-07-15
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. (TN)

I AM AN IDENTITY THEFT VICTIM. I AM WRITING TO DISPUTE THE FOLLOWING ITEMS ON MY CREDIT REPORT. EACH OF THESE ACCOUNTS AND TRANSACTIONS I DISPUTE WERE OPEN AND MADE BY THE THIEF, NOT ME. I NEVER AUTHORIZED, USED, OR BENEFITED FROM THESE ACCOUNTS OR TRANSACTIONS IN ANY WAY.
Consumer complaint received 2020-11-25
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (AK)

On XXXX2020 I refinanced my mortgage abd newrez still show the account open on my credit report csusingba lower credit score. 

In addition, I've asked for detailed accounting because thet couldn't get my closing amounts correct or accurate and I've yet to receive that.
Consumer complaint received 2021-04-06
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDEN 1 CREDIT UNION, THE (CA)

During the months of XXXX XXXX and XXXX there were inaccurate billing issues. XXXX of 2020 the company reported to the credit companies that I had made a late payment. I have two bank accounts, one ending in XXXX and the other one ending in XXXX. I had made my payments accordingly, then kept getting notified that the account was not found. XX/XX/XXXX my payment was returned, XX/XX/XXXX was attempted to pay again, returned, XX/XX/XXXX was attempted, returned, then XXXX was processed. They can not explain what happened, my bank had no issues ( who I contacted ) and Ive used the same accounts and the same processing for my payment every month for the 3 years Ive had the account. They made me pay multiple fees and it clearly states I was properly making the payments and now it affects my credit score dramatically.
Consumer complaint received 2021-04-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (DC)

I was placed on a loan modification with Rushmore Mortgage. My previous mortgage payment was {$1100.00}. With the loan modification, the payment increased to {$2100.00} for six months. Once the final payment was made, I called the company and I was told that the payment would be the same. I received the final modification documents and the payment has increased to {$2300.00}. The interest rate went from 2 % to 5.5 %. Then they reduced it to 5 %. I told them that the current interest rate was between 2 % and 3 %. I was told that they weren't a bank and that they could charge me whatever interest rate they wanted. The five percent rate was set back in XX/XX/2020. I consider this to be a predatory lender. They asked for all of my financial information and I was honest. Instead, they insisted on placing me on a modification that was not affordable. I refuse to sign the documents for the final modification because I strongly believe that this company is connected to a chain of predatory lenders. It began with XXXX XXXX who later sold the mortgage to XXXX XXXX who later sold the mortgage to XXXX who later sold it to Rushmore. I am asking that this company be investigated. The only alternative is to sell the house. I hate the fact that these thieves will be able to walk away with money that they are not entitled to because they chose to prey on the XXXX American Community. I am a Veteran and I am appauled by the mistreatment that this country has allowed to happen to it's own U.S. citizens by allowed predatory lenders to stay in business.
Consumer complaint received 2018-10-01
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bridgecrest Acceptance Corporation (SC)

I have a loan with XXXX XXXX located in XXXX, AZ. I filed bankruptcy and did NOT include them in the bankruptcy and have continued to make my payments on time. I noticed when I ran my credit report a few months ago, they removed the account from the report so it does not show I have a loan with them. I called them and they refused to rectify or explain after 3 calls and a complaint with the XXXX. All they told me was if someone files bankruptcy it is their policy to remove the account from the credit bureaus. They said they would " investigate '' and that it could take months, but then called me the next day and said there was nothing they could do. I have an open account with them and I need the payments to be reflected on my credit report which impacts my credit score.
Consumer complaint received 2021-04-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BAM Management US Holdings Inc. (CA)

Back on XX/XX/2021, Binance.us locked my account. I could not trade, deposit, or withdrawal ... a complete freeze. I have complied with their instructions immediately as well as submitted multiple support tickets to them. I have received no action and no responses. Today is XX/XX/2021 and they have held my funds captive for 2 months with no communication. They claimed there were chargebacks on my account at the time of freeze. I reached out immediately to rectify any issues, however, I was unable to take action nd deposit any funds since they locked my account. I do not think holding my funds captive is according to law. Please advise.
Consumer complaint received 2018-10-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (NY)

On XX/XX/2018 my savings and checking accounts were hacked and 2 unauthorized money wire transactions for {$17000.00} and {$3000.00} were made to XXXX XXXX  in NJ. 
Since then i was not able to get my money back. I've been talking to many people from Wire Dept. and now dealing with Citiban

k Fraud Department. First time i spoke with investigator was only last week. No one since the day one was able to explain to me how these transactions happen and why i did not receive any notifications through email, phone, etc. Why no security questions were asked? The only reason why Citibank Fraud Department is trying to deny my claim is that according to them i " allowed '' or even " authorized '' someone to access my IP.

Customers could take from ATM no more than {$1000.00} per 24 hours. At the same time criminals emptied my both accounts for the amount of {$20000.00} within 20 minutes.

It's something we should not tolerate. I am sure i am not the only victim of Internet crime. 
My case clearly shows that Citibank has very serious security problems. 
I am in the XXXX XXXX XXXX  and spoke to many people who also got robbed but their banks issued a complete refunds and they are really surprised how Citibank handles this case. 
I have XXXX kids and for over a month can not receive my money back. I need to pay my bills and have no time to wait any longer. 
Please take all appropriate measures to protect our banks customers. 
Documents related to this case are attached here. 
Thank you.
Consumer complaint received 2020-11-25
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- XXXX XXXX XXXX  1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-08-10
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. (MO)

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


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Consumer complaint received 2018-07-18
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Merchants' Credit Guide Company (MI)

I got phone calls stating that I need to call ASAP Today about a debt. I could barely hear most of the message but an authority voice telling me to call. I am XXXX XXXX XXXX as my husband is also a XXXX vet. We do not need this. We are paying our debts and closed and are paying on what we could not. I also have a cease communication order on every debt collector from these harassment calls and we get them anyway.
Consumer complaint received 2018-01-17
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. (WI)

My Social Security number was attacked by XXXX XXXX XXXX for a fraudulent charge of {$930.00} on XX/XX/XXXX. I did n't know charge was on my credit report until I tried to get a loan, then contacted Experian on XX/XX/XXXX. A little research showed they are a fraudulent company, and being sued for these practices. ( " XXXX XXXX XXXX " ) I contacted the credit reporting agency to fix this problem, and they did not remove the charge.