davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-10
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: Merchants' Credit Guide Company (IL)

I put in a dispute of the incorrect items placed on my file to be reviewed. The Bureau stated it was verified in XXXX. In XXXX I requested validation information on the verified information. The Bureau stated it was verified again. I did not receive any contracts bearing my signature, contact information of the parties that the company spoke with, or a method of their verification. This is a violation of my rights.
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Capital Accounts, LLC (IL)

I put in a dispute of the incorrect items placed on my file to be reviewed. The Bureau stated it was verified in XXXX. In XXXX I requested validation information on the verified information. The Bureau stated it was verified again. I did not receive any contracts bearing my signature, contact information of the parties that the company spoke with, or a method of their verification. This is a violation of my rights.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 1. XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; 2. XXXX Inquiry Date XXXX XXXX, XXXX ;
Consumer complaint received 2023-03-24
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. (FL)

This just proves that 3 Credit Bureaus are lack of proper record keeping. Now, these accounts are reporting to be late, yet it is closed. Lets correct this immediately. The Bureaus are required to verify for themselves but I will go ahead and remind you that these accounts were paid, closed, and no longer active and should have reflected the status of paid as agreed. Provide documentation that the Bureaus have not abrogated my rights by reporting false information, otherwise remove this account immediately.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX I received several text alerts about a sign on I did not authorize. 
On XX/XX/XXXX I received a notification regarding a declined attempted purchase I did not authorize and do no know this account. 
I began to receive several main number calls to which I did not answer or respond to from XXXX main line XXXX. 
On XX/XX/XXXX I received a notification regarding a declined attempted purchase I did not authorize and do no know this account. 
Prior Complaints regarding banking practices and violation of disclosure to financial records : OCC Complaint : XX/XX/XXXX Ref. No. XXXX XX/XX/XXXX XXXX Response XX/XX/XXXX XXXX XXXX continues to report negative information on my credit report as AUTHORIZED but has filed a lawsuit against the account holder. 
XXXX has filed ( 2 ) debt claim lawsuits against me and failed to provide the requested documentation through its attorney of record. 
In response to my repeated complaints and requests for information, XXXX closed all me " accounts ''
Consumer complaint received 2021-06-21
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 contacted Experian several times about a false reporting on my credit report. I dealt with XXXX trying to collect a debt with me in error and worked it out many years ago, however Experian is continuing to report the false account. I've reached out to them many times already since XXXX of 2020 and am being ignored. Please help.
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (MD)

I was notified by my credit repair lawyers that I had activities on my credit report that I did not recognize. First a car repossession, Medical bills I did not recognize, and a credit card or loan. The only time I was in a hospital was in 2017 after my car accident and for an XXXX. I was hospitalized with an XXXX for a week. I was notified on Monday about these changes and couldnt fathom how my credit was tampered with while I was in the middle of credit recovery and boosting up.
Consumer complaint received 2017-12-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (TX)

Wire withdraw of {$14000.00} from Coinbase to XXXX Business account was initiated on XXXX XXXX. This withdraw is confirmed in Coinbase 's system and has debited my account. 

The deposit never arrived. The XXXX Business account ( target wire account ) has been cancelled. I have contacted Coinbase informing them that 1 ) the wire never arrived 2 ) the wire target account has been closed. I have requested coinbase to refund the account with the {$14000.00} initial wire amount. Coinbase has been completely unresponsive. Account is XXXXXXXXXXXX
Consumer complaint received 2020-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (NC)

Ally Bank continues to hold my funds hostage. I still have not received a debit card and I've called over 10 times to report this issue and nothing is being done to resolve the issue. I have NO access to a branch or any other way to access funds I've deposited through electronic means. I've asked for deposit slips and checks as well. I have not been provided anything. They also have my outgoing XXXX transfers restricted so that they take 3 business days to process which normally should take 30 minutes or less. They have no problem accepting XXXX deposits immediately. Multiple people at the bank seem to just be lost in regards to these issues and can not help. I'm also unable to receive instant deposits from my XXXX XXXX  pay because the bank can not figure out how to accept RTP ( real time payment ) transactions. Every other financial institution I've ever used has had no problem accepting, and making available any funds I've initiated for instant pay. Those financial institutions are XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. So if they have no problem accepting RTP transactions what's your excuse? If you have no idea what RTP is you should look it up. There's information listed online from XXXX XXXX XXXX. My biggest issues with Ally remain that I have no access to my funds outside of MULTIPLE business day ACH transfers because they will not get a debit card into my hands. My card should have been sent expedited in the first place and if you claim that mail is slowed due to COVID-19 you should reflect that in your agent time-frame which has been 5-7 business days. It has now been past 7 business days and my card is no-where to be found. I'm really tired of banks thinking they can just do what they want with no repercussions. I don't know what needs to be done but I expect a debit card in my hands by the time you get this. I expect a detailed answer on Real Time Payments through XXXX XXXX XXXX You can find out more as a financial institution by emailing them : XXXX XXXX
Consumer complaint received 2021-04-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Southwest Business Corporation (TN)

This is partly the same as the complaint I submitted for my other lender, which is under complaint # XXXX. This one has fewer attachments. SWBC 's involvement is described best in the attached motion for remand in paragraphs numbered 1-8. 

I have initiated a legal complaint with my former lenders ( SWBC Mortgage Corp. and XXXX XXXX XXXX, XXXX ), which are case # XXXX at XXXX XXXX XXXX XXXX XXXX ( inactive - removed to federal court ) and Case # XXXX with the XXXX XXXX XXXX XXXX XXXX Tennessee XXXX XXXX ( active ). I've intended on reporting both lenders for some time, but my health just wasn't in a place that let me do so. 

The essence of my complaint includes a minimum of T.C.A. violations, fraud, and breach of contract. 

I say a minimum of the above, because these are the only ones that I know I can prove. I'm attaching the amended complaint, which is super long, and the motion to remand, which has a summation in paragraphs numbered 1-8. I'm attaching the exhibits associated with these paragraphs. Please feel free to reach out to me for others. I can email them to you. 

Thank you.
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (NJ)

I have these items that are not mine and i want them to ber emoved from my credit report. 

XXXX 1. Identity Theft XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

5. Identity Theft COMENITY BANK/WAYFAIR Account Number : XX/XX/XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX  Account Number : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX  Account Number : XX/XX/XXXX This is not mine.
Consumer complaint received 2021-04-09
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. (IN)

Six months ago, I noticed XXXX XXXX on my credit report and knew I had never done business with them. I did do business with Personal Finance who was acquired by XXXX XXXX and the loan that I had with Personal Finance I had a perfect payment record and was closed and paid off in XXXX of 2014, which is also reflected on my credit report. I called XXXX XXXX and was told the loan was too old and they could not access any information on it.
Consumer complaint received 2021-04-09
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NOVAD Management Consulting, LLC (TX)

Service Contractor NOVAD has refused to send me information about my partial claim. Im trying to make installment payment towards my partial claim ; however, NOVAD refuses to get in contact with or provide me with any information to consolidate my debt.
Consumer complaint received 2017-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I received an credit offer from Fifth Third Bank at zero interest good through XX/XX/XXXX and on XX/XX/XXXX I went to my Bank and accepted the offer.

Since accepting the offer I have to go into the bank and have them reverse the interest charges and they ca n't seem to resolve the issue and I 've spent countless hours trying to resolve the situation.
Consumer complaint received 2019-03-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (HI)

I am a retired XXXX. I taught for 20 years at a XXXX XXXX XXXX on the rural island of XXXX. Several years ago I did all of the paper work to have my loan forgiven because of my work on XXXX. XXXX XXXX/Navient denied my request because they said I had consolidated my loan several years before which made me ineligible for the Forgiveness Program. This seems rather specious to me. I went back to get my XXXX after 17 years XXXX  at XXXX XXXX XXXX and I continued XXXX on XXXX for 3 years after receiving my degree. I think Navient violated the intention of the Federal XXXX Forgivess program. Thank you for considering my situation.
Consumer complaint received 2020-12-10
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. (MD)

On XX/XX/XX/XX/XXXXI applied for a consolidation loan at XXXX XXXX. 
I notified the XXXX XXXX  officer that I had just checked my credit score on Experian and that it waw XXXX. ( email provided XXXX XXXX XXXX On XX/XX/XX/XX/XXXXI received a rejection / denial letter ( date XX/XX/XX/XX/XXXX ) stating several misleading items from the bank citing what Experian was indicating was the root cause of the rejection. 
*** a ) Credit score on letter XXXX => On same day my credit score via Experian Web account XXXX. 
b ). Length of time accounts have been established = screen print to dispute this with Bank and Experian FROM Experian web site 23.4 years ... Makes no sense. 
c ). Serious Delinquency - I have one account that a XXXX  firm mucked up and is overdue, I am in the process of repairing the damage. All other accounts are current print screen available showing " Excellent Payment History ''. 

The above reasons are in my eyes bogus. I was denied a loan to consolidate those credit cards due to inaccuracies in Experians reporting. 

Further more, I reviewed my entire Experian report, it states 5 Bad Payment accounts. 
I can only find ( 2 ) out of 13 accounts. XXXX XXXX XXXX XXXX  visa card - resolved, & XXXX XXXX that is closed and is being resolved ( see " C '' ). 
Previously I had a LOAN for XXXX  on this report which Experian was marking as over due when it was paid off in XXXX. I believe that these delinquency marks were never removed. 

In closing, I am trying to clean up my credit, I am doing the right thing by trying to consolidate and Experian keeps messing up my report. 

How can I trust what is on the report or ANY Credit Bureau, when what is being shown is inaccurate. To me when I see a credit score of XXXX and they are reporting on the SAME DAY XXXX a 22 Point difference that is pure neglegence and failure to do what they are supposed to be doing.
Consumer complaint received 2017-12-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (NJ)

XX/XX/XXXX, received NetSpend Visa Prepaid Card as a gift XX/XX/XXXX,  contacted company to activate card. After going through the long process to activate, I was told that if I used the card as a " debt '' which I would have to, they would charge me {$2.00} for putting my pin into the machine. If I used the card with a " signature '' which I did not understand since you have to put a pin in for a debt card I would be charged {$1.00}. So this {$20.00} gift I received would only be worth {$18.00} or {$19.00} dollars. My benefactor had to pay {$2.00} to purchase the card and then I would not get the full benefit of her gift because the company would be taking fees. I told the company that I wanted the {$20.00} and they said they could send me a check in 7 to 10 business days. 
XX/XX/XXXX, I contacted the Department of Banking and Insurance in New Jersey and was told I have to contact the Federal Trade Commission and I asked for a telephone number. The number I was given was for a drug crisis center. Thanks, New Jersey. 
XX/XX/XXXX, I contacted the CFPB and was treated with respect and kindness. Thank you CFPB.
Consumer complaint received 2017-11-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (ID)

One main opened a bank account when I sent them a big payment and did not put it on my loan they did make a payment out of that account but never but all of the money on to the loan. Plus I was paying extra on the and they charged me a bank fee of exactly the amount I payed extra instead of putting it on the principle
Consumer complaint received 2021-10-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CA)

I am the Legal Guard to my brother XXXX XXXX XXXX of XXXX, AZ. I have been his legal guardian since XX/XX/XXXX. The Guardianship was set up in the Superior Court of Arizona. At that time, I opened a Guardianship Banking Account for my brother at Chase Manhattan Bank, also in Arizona.

I have managed my brothers affairs for 5.5 years without incident. My Guardianship is renewed annually by the Court. I am on Social Security Administration documentation as XXXX 's XXXX and financial point of contact. I live in XXXX, CA. 
XXXX received COVID payments in XXXX. In XX/XX/XXXX i moved part of his COVID money into a savings account with the assistance of a Chase rep in XXXX, CA. The amount was only {$1600.00}. 
On XX/XX/XXXX ( see attached docs ), Chase placed a HOLD on the account and it has been on HOLD ever since. No formal explanation provided. 
I've visited the Bank several times ( see attached doc showing appointments ) and no one seems to understand why there is a HOLD. Even the local Bank Manager can not figure it out or get someone on the phone to explain. Some " shadow department '' keeps asking for documents i have previously supplied ( Court Orders, etc. ). ' I have requested, in writing, for Chase to outline the problem is so it could be addressed. There has been NO RESPONSE. The money is for my XXXX  XXXX brother 's full time care and should there be an emergency, I can not access it. I am furious at Chase holding the $ $ of a XXXX  XXXX person and not providing a clear explanation to me as Guardian. I'm worried they'll make me get a lawyer to release the small amount of $ $ and legal fees could actually eat it all! I am a competent, educated person and this has me furious and flummoxed. I can't imagine how some, were they XXXX or XXXX, would be expected to navigate this morass of incompetence.
Consumer complaint received 2020-12-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Revco Management, LLC (OH)

On Thursday, XX/XX/XXXX Revco Solutions XXXX started making phone calls to my cell phone at XXXX XX/XX/XXXX. By XXXX they had called three times. I received a bill from XXXX XXXX XXXX the week of XX/XX/2020. After further review of the bill I called and inquired why they had not submitted the billing through my insurance provider XXXX XXXX XXXX XXXX. The office stated it was their error and that they would in fact submit the billing and to disregard this bill until further notice. When I called back with my mother on the line XXXX from Revco Solutions stated that I owed the bill and how was I going to pay it today. I am a XXXX  XXXX and was taken back by her demand and rude demeanor. To call my cell phone several times and not know that XXXX was in fact handling was unnerving. To demand I pay the bill in full when not knowing the true amount is beyond unacceptable. During a global pandemic it would seem a debt collector would be not be able to harass in this manner. I am blessed with health insurance and can only imagine if faced with a {$200.00} and someone demanding to pay it today or get it placed on my credit report would add unnecessary stress. Revco and XXXX should be dealt with for future not as fortunate individuals.
Consumer complaint received 2024-02-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: CL Holdings LLC (IL)

I have a collection on my Credit report for the amount of XXXX XXXX XXXX XXXX and XXXX XXXX dollars. Attached to XXXX XXXX XXXX. 
It was open XXXX XXXX  XXXX XXXX XXXX. 
I didnt do any business with this company. 
They added false information to my credit report.
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX  college of XXXX  in XXXX ( Maryland ) went bankrupt. There 2 loans on my credit with one for XXXX and then other one for XXXX. Date opened was XXXX. Also when I signed up for the school my financial aid was expose to cover my tuition reimbursement. And Never received my degree. Now the school is called XXXX college. 
In XXXX, the company reported nearly {$50.00} XXXX in debt to unsecured creditors. 
This is what I found out of the school On XX/XX/2018, it was announced that XXXX XXXX XXXX XXXX was shutting down all XXXX College locations nationwide, due to loss of accreditation from the US Department of Education also Students may be eligible for reimbursement of money other than federal loans or grants that they paid to XXXX College for tuition and other expenses. The Maryland XXXX XXXX XXXX will have more information about how to apply for these refunds on its website. ''
Consumer complaint received 2021-04-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (FL)

This account has been paid off through a collection agency. XXXX XXXX still has not updated my report and it is damaging my credit report. 


Account Info Account number XXXX Account status. 
Closed Date opened XX/XX/XXXX Account type Unsecured Loan Balance on XX/XX/XXXX Loan Amount {$1300.00}
Consumer complaint received 2022-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bass & Associates, P.C., Attorneys at Law (GA)

Recently I have received several calls on my XXXX device from Bass & Associate asking to speak to my XXXX mother. I communicated that I am her POA and can speak with them about this issue. They refuse to talk with me and I asked them how did they get this number. I communicated to both representatives that my mother is an XXXX XXXX living on a fixed income, social security, which is barely enough to pay her monthly expenses. They are attempting to harass her about a debt that she does not owe.