davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to file a formal complaint regarding fraudulent items that have been erroneously included in my credit report. Despite repeated attempts to rectify this issue, the fraudulent entries persist, tarnishing my creditworthiness and financial standing. 

I have submitted multiple disputes and provided comprehensive documentation and evidence supporting my claims of fraud. However, to my dismay, these efforts have not resulted in the removal of the fraudulent items from my credit report. 

It is imperative that immediate action is taken to investigate and remove these fraudulent items from my credit report. Their continued presence not only damages my credit score but also undermines my financial integrity. 

I request that you expedite the resolution of this matter and provide regular updates on the progress of the investigation. Transparent communication throughout this process is essential to restoring my confidence in your organization and ensuring a satisfactory resolution. 

Failure to address this complaint promptly and satisfactorily will leave me with no choice but to escalate this matter further, including seeking legal recourse and involving regulatory authorities. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2021-05-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BAM Financial, LLC (CA)

I have tried to pull money out of my Binance.US account via ACH withdrawal. My account was locked previously for chargeback fees which have been covered, according to XXXX on binance.US customer support. Account was then unlocked, but now they have not sent me An email confirmation on my withdrawal, they have also not explained why I cant withdraw my money. I do not owe binance.us money on any chargeback fees, but they wont let me pull out my money, and Im about to lose my car, and my place of residence due to their faulty customer service reps. Im literally going to struggle, and die without this money. I have {$3100.00} in my account that is stuck in order because its still pending to be withdrawn. I just want answers.
Consumer complaint received 2020-11-30
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. (VA)

I am trying to review my credit, and make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there. I have no contracts with these companies, and did not agree to pay any money to them.
Consumer complaint received 2020-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am trying to review my credit, and make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there. I have no contracts with these companies, and did not agree to pay any money to them.
Consumer complaint received 2020-11-30
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: Bread Financial Holdings, Inc. (NJ)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, COMENITYCAPITAL/XXXX  add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-11-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (CA)

RocketMortgage by Quicken loans has damaged my credit through their incompetence. 

On XX/XX/XXXX, I applied for a mortgage through RocketMortgage. I immediately began working on it with XXXX XXXX at Quicken Loans ( phone number XXXX ). The loan was approved XX/XX/XXXX. 

Through my credit union, I had a {$65000.00} Home Equity Line of credit that was due on XX/XX/XXXX. ( 69 Days after I initiated my refinance ) The mortgage was set up to pay off my existing mortgage and the home equity line of credit. I have over 50 % equity in my Townhouse and this should not have been a hard loan for them to process. 

Prior to verifying the final payoff amounts, they contacted my homeowners association ( HOA ) and got the condo requirements XX/XX/XXXX. But, I believe they forgot to contact them to get the homeowners insurance information that the HOA held. They did that later but they don't document that on their website. 

Ultimately, they received this. But, they must not have pursued this with any diligence as it took them forever to finish this task. 

At no time, did they inform me what the hold up was or ask for my help. When I called XXXX XXXX, he said they were busy and hadn't got to it yet. When i talked to their processing office, they blamed others for their slow response. Often, I got the feeling I was talking to someone reading a computer screen who did not know the details and was lying to me. Meanwhile, they were just stringing me along. 

In XXXX, they requested payoff letters for my mortgage and home equity loan but these were only good for 30 days. They let these expire, 75 days after I initiated the mortgage. 

Then in XXXX, they requested a new letter for the mortgage but forgot to request a payoff letter for the Home equity Line of credit. In fact, the processing office told me they requested the payoff letter. But, when i called my credit union, they informed me that RocketMortgage requested a payoff letter in XXXX but not XXXX. XXXX XXXX XXXX phone number XXXX ) at Quicken Loans confirmed their lack of due dilligence. 

By the time they realized their error, they informed me that they had taken too long and the payoff letters were expiring by XX/XX/XXXX XXXX 105 days after I initiated the loan ). So now, they are requesting new payoff letters for the month of XXXX. 

They have been working on this loan now for 105 days and counting. I provided all information they needed from me in XXXX. Meanwhile, my credit union informed me that because the {$65000.00} was due more than 30 days ago, it has now been reported to the credit agencies. 

This company, Quicken Loans, claims to have high customer satisfaction scores. But, my experience is they are not willing to make this right. They have offered me {$500.00} for my trouble. But, this has been a disaster.
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (FL)

On XXXX/XXXX/202, I received a call for payment of {$54.00}. I argued and mentioned that my payment was not incorrect and that my minimum payment was only {$25.00}. The representative said yes this was correct and that the additional {$35.00} was going o be removed and credited back to my account. The difference of payment was made and I was told there would be no reflection on my credit report, that the {$35.00} would be refunded back to my account and my account would be back in good standing. The account has no other balance and has been completely paid off. 

On XX/XX/2020, I received a statement saying that my account was never paid and that balance is still {$54.00}. When I called comenity they said would fix the mistake and everything would be removed, however, I need to write a letter because no one can help me over the phone. As of today, My account has no balance and in fact, has a {$35.00} credit but my credit report still shows that I was past due for {$54.00}, which is entirely incorrect and paid in full. Please help me fix my report with all 3 credit agencies.
Consumer complaint received 2017-12-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: IQOR US INC (VA)

On XXXX XXXX, XXXX, I received a call from a caller labeled " Unknown Name '' XXXX. The caller stated he was from a collection agency, and he was fumbling and unprofessional, which made me immediately suspicious. He then stated that I was in default on my student loans and they knew where I worked and would resort to garnishing my wages if I did n't pay. I stated my student loans were all current and I have no loans in default, and that I had successfully completed a rehabilitation program to get my loans back in good standing, and I have made on time payments for the past 6 months. He was insistent that I was in default to the amount of {$16000.00} I knew this to be incorrect and stated i 'm not paying anything, and if wants me to do anything I needed a written statement from his company to compare with my own records. He asked if I would call him back, and he stated they closed at XXXX, which struck me as VERY odd, as most agencies are open into the evening to accommodate people and their work schedules. Yesterday I received a letter from Allied Interstate LLC, XXXX, XXXX XXXX, XXXX MN XXXX. They are asking for {$16000.00} for a loan whose total balance is only {$10000.00}. It 's as if their information is 3 years old. I suspect the entire thing is a scam and they are not legitimately associated with XXXX, the company that services my consolidation loan.
Consumer complaint received 2021-10-19
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: WELLS FARGO & COMPANY (GA)

I had an mortgage with Wells Fargo Home Mortgage. We have had an account over 20 years. We have had several problems over the years, repeated problems, several disputes never really resolved, the most recent issue is Wells Fargo apparently wanted to start a foreclosure against my husband and myself on XX/XX/ and it was suspended due to bankruptcy filing by myself XX/XX/. It was never removed from that suspended status over the past six years even though it was not warranted over the past six years. Moving forward, they were paid all arrears and I have been discharged, not to mention have paid the home off. they have reported to all credit bureaus that this is a paid foreclosure. This is false and incorrectly a status and is causing immediate undue hardship on myself and my husband and it is preventing us from purchasing a new home. I reported while in my bankruptcy that they were reporting the account as closed which again one of the many disputes inaddition to misapplied payments. This needs to be corrected immediately. I have been on hold transferred and no resolution in site. Promises to return call etc.
Consumer complaint received 2021-10-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I am well aware of your statements XXXX XXXX XXXX at Bank of America and you were clear in your response when you mentioned that you need the loan number and the only loan number " off the top of my head '' that I thought of is my Mortgage Loan at XXXX XXXX XXXX XXXX, MI XXXX Loan Number XXXX paid off XX/XX/2017. Please provide any and all records to the CFPB about the loan number you requested.
Consumer complaint received 2021-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF THE WEST (CA)

The manner in which Bank of the west and XXXX failed to manage my checking account is without excuse. An absolute, careless, reckless, performance from a group of people whom have all together become worthless. 

They dont even know how to provide a simple debit/credit statement as you will see in their transcript. A grocery store can do a better job on the purchase receipt and these people manipulate their books with unnecessary verbiage. 

First, Bank of the West ask me to close my account and open a new one, and then after I closed the account, they refused to open a new account. 

Now that my account is closed with Bank of the West, I can not access my online account. 
Bank of the West sent me a check with my closing balance and then I received a collection letter from a company that I have never heard of. They claim to be a Bank of the West third-party vendor, unfortunately for them, I have no knowledge of their relationship. 

As you will read in our email correspondence, there is no excuse for their blatant disregard for each other and their business relationship. They both have a responsibility to honor their contractual agreement and now they want to place the blame and responsibility on me. 

If they can not manage their own relationship that does not make it my responsibility to manage it for them. Im certain that they have a written resolution and neither of them wants to flip the bill for each others errors. 

Therefor XXXX has decided to send me to collection, and I do not even know whom they are.
Consumer complaint received 2020-11-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Bread Financial Holdings, Inc. (AZ)

Commenity Capital Bank has sold a number of credit card accounts that were fraudulently obtained and used in my name to a company called XXXX XXXX XXXX. Commenity sold these accounts knowing they had failed to provide proof of debt. In fact after ignoring numerous proof of debt requests they began stating that they had " sold the accounts '' which was in and of itself a fraudulent action given that they knew they were contested due to being fraudulently obtained. 

XXXX XXXX XXXX also failed to provide proof of debt, stating they would obtain that information from the original creditor. They did not not instead they wrongfully filed a lawsuit in the Second Division District Court of XXXX, XX/XX/XXXX The first I learned of this lawsuit was on XX/XX/2020 when I received a notice of their voluntary dismissal. 

They have been properly provided with affidavits, police reports, and FTC Identity Theft reports. In contrast they have never supplied anything I requested of them in terms of proof -- rather they negligently proceeded with a law suit without evidence in order to harass and intimidate me. 

If this debt were real they would have signatures on a contract. They would have an accounting for how the debt accrued. They would have itemized charges since it is a credit card debt. However, Commenity and XXXX have never been able to provide any of that information.
Consumer complaint received 2017-11-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (PA)

I have had several conversations with collector calls from the company & XXXX XXXX with no results. I never opened, owned, used or made payment on this account. IT IS NOT MY DEBT! According to credit reports, apparently opened on XX/XX/XXXX for XXXX XXXX. Alleged debt sent to XXXX XXXX for collections on XX/XX/XXXX.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-23
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: TD BANK US HOLDING COMPANY (NY)

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy, 15 USC 1681, section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions, under 15 USC 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 2021-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

I WAS A TENANT AT THIS APARTMENT COMPLEX XX/XX/XXXX TO XX/XX/XXXX. I SUBMITTED MY LETTER TO THE APARTMENT MANAGER WHO WAS XXXX AT THAT TIME THAT I WAS MOVING OUT XX/XX/XXXX, SINCE THE SIGNING ON MY HOUSE WAS XX/XX/XXXX. I ASKED WAS THERE A BALANCE ON ANYTHING I OWED AND WAS TOLD NO I DID MY WALK THROUGH WITH THE APARTMENT MANAGER XXXX AND HANDED OVER THE KEYS. FOR A WHOLE YEAR I HEARD NOTHING I HAD GAVE HER MY UPDATED ADDRESS SO MY DEPOSIT COULD BE MAILED OUT. I NEVER RECEIVED ANYTHING IN THE MAIL FROM THE APARTMENT COMPLEX, FROM THE STATE ( COURT ) FOR OWING A BALANCE, HAVING AN EVICTION, NO DAMAGES OR ANYTHING FAST FORWARD TO A YEAR I HAVE A COLLECTION ON MY ACCOUNT AND SPOKE WITH THE APARTMENT COMPLEX AND THEY COULDN'T ADVISE ME NO INFORMATION.
Consumer complaint received 2021-10-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (TX)

I tried logging into my Coinbase account on XX/XX/XXXX to make a trade. However, when doing so I saw my XXXX balance showed {$0.00}. I knew this could not be the case as I had ~ {$9000.00} dollars worth of crypto on this account. I saw my account had funds in it up until XX/XX/XXXX. 

When trying to call the support line I was told that there was no account tied to my phone number. However, I could see in my account settings that my phone number is indeed tied to my account. I tried emailing Coinbase and got no response. I could not create a ticket for their support team as I was not getting emails from them. The only way I was able to get into contact with them was via XXXX DMs. This is absolutely absurd that the company couldn't be bothered to pick up the phone when so much money was in question. 

Long story short, I was able to get into contact with Coinbase support. I was told that my account had been hijacked and the attacker was able to circumvent Coinbases security, my phones two-factor authentication, as well as my email. I know that I never received any emails or text messages regarding this transaction. 

Support told me that the security of my account was all on me. This is fair however, I am a technologically savvy person and know I received no such correspondence. I have no idea how my account was breached in this manner. 

My main complaint ( aside from the obvious drain of my account ) is that it was impossible to get in contact with anyone from Coinbase until days after the initial incident took place.
Consumer complaint received 2020-11-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (NC)

I sent a debt validation letter to MediCredit on XX/XX/2020, returned receipt, they received the letter on XX/XX/2020. In this letter, I requested validation of the debt. This company has failed to validate my debt, Instead, I received a letter dated XX/XX/2020, they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I have not authorized and they are not listed as an authorized or legal representative to access my personal health information. This is a violation and I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.
Consumer complaint received 2020-12-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I opened a new checking account on XX/XX/2020. According to the offer code XXXX I was meant to receive a {$100.00} bonus if I receive two qualifying direct deposits within 90 days of opening the account. On XX/XX/2020 and XX/XX/2020 I received XXXX direct deposits, and up-to-date I still didn't receive the {$100.00} bonus. On XX/XX/2020 and on XX/XX/2020 I inquired why I didn't receive it, but I am still waiting. 
In the attached letter they refer to the 'Personal Schedule of Fees ' for further exlanation of eligible regular monthly income. I am also attaching a copy of the schedule which explains on page 17, that any payer that uses your account number to deposit regular monthly income is a qualifying direct deposit.
Consumer complaint received 2022-08-05
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. (WI)

Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX EMPLOYER : XXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX