davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

XXXX XXXX I completed feedback reference complaint about checking and I complain of XXXX XXXXXXXX XXXX XXXX XXXX XXXX against applicant with 3 character first name legal abbreviation calling name fictious of vital records and statistics. XXXX refuses to allow customer contact with literate staff of bank to issue credit card from asset ' ' character in customer bank record name of clerical error and solicits illiterate material to customer with asset ' ' character in birth-given name on bank web domain. Previously bank issued a illiterate account & card and I need a literate bank account and consumer credit card. My first name is said as rivi pooh and last name is said as chief with initials XXXX XXXX. of the State of California. I am completely illiterate to spanish and I only comprehend English ( US ) language. Staff mistakenly changed ( ) name into XXXX and speak from XXXX XXXX where customer is not legally present to communicate by birth-given name with character ' ' of abbreviation asset ignored and omited in account history & online content.
Consumer complaint received 2024-01-29
Product: Credit reporting 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 want to inform the Credit Bureaus XXXX  AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. 
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 XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3000.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Pendrick Capital Partners (AZ)

On XX/XX/XXXX I recieved emergency care at XXXX XXXX XXXX XXXX Department located in XXXX Arizona. My medical bills were processed through my insurance of XXXX XXXX XXXX XXXX XXXX XXXX. According to my insurance, all claims were paid, however I am receiving a bill from a collection agency, Pendrick Capital Partners II, LLC, for the amount of {$1100.00}. Per Pendrick Capital Partners II, LLC the orginal creditor is XXXX XXXX XXXX  When I contacted Pendrick Capital Partners II, LLC, I was told the orginal creditor sold the debt to them and now they are threatening to ruin my credit if I do not pay. Currently, XX/XX/XXXX, my insurance company has opened an investigation into this matter and I am reporting this due to fear of my credit being ruined or identity being stolen.
Consumer complaint received 2021-01-25
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (VA)

I received an email that I had changed my pin when I did not change the pin. I checked account and there were 2 different transfers into 2 different accounts that came out to over XXXX dollars. I contacted the way2go customer service and filed a claim. They sent me a letter denying that it was fraud. After spending hours trying to get someone on the phone, they said they would send me information why they didn't approve my claim, but never did. I spent another 2 days trying to get someone on the phone, which kept disconnecting with over 4 hours on hold. I am a single mom to XXXX kids, and I can't afford to give up regarding blatant fraud.
Consumer complaint received 2022-04-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MA)

So I got scammed by someone who tried to say I have to resigster defi-plan beacon chain. I did wire transferred on XX/XX/XXXX to XXXX to the Coinbase and transferred to the coinbase wallet. Through the coinbase wallet, and type the XXXX XXXX XXXX Then I clicked " receive '' button. 
Then it atomically move my USDT money to the mining pool. So I lost my control to withdraw my money. 
Now on my account, it is a 0 balance, but on the defi-plan platform, it says XXXX dollars. I've depoisted XXXX dollars from my personal loan, and my parent 's retirement plan. 
I've contacted with this problem with Coinbase customer serive, XXXX bank and police deapartment XXXX MA. Coinbase told me they can't help to get funds back and I am really frustrated how to do it. My payments are coming and I don't have any money left beside the money in the platform. 
I also changed the allowance from unlimited to 0 dollars through XXXX XXXX XXXX XXXX  Please help with this problem.
Consumer complaint received 2024-05-20
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (CA)

I was booking a flight and an ad came up for {$200.00} off my flight if I applied for a Southwest credit card. So I applied, but upon checkout, the {$200.00} wasn't deducted. So I contacted Southwest before I completed my ticket purchase to ask why. I was told I would see the {$200.00} credit when I got my first statement, it was not immediately deducted from my purchase. That was completely unclear in the ad. However, when I got the first statement, there was a yearly fee charge but no {$200.00} credit. So I called Southwest and they said I had to have used the credit card to purchase my flight in order to get the {$200.00} credit. That was also completely unclear information in the ad and was different from what I had initially been told. Furthermore, I was told that I would have had to have used the credit card to purchase a ticket within 3 months of getting the credit card in order to receive the {$200.00} credit. That was completely unclear on the ad as well. I've been doing things like this for a long time so I always read the fine print, and this was absolutely unclear and intentionally deceptive advertising on Southwest 's part!
Consumer complaint received 2024-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (GA)

Recently, I received an alert from XXXX XXXX indicating that a new debt had been added to my credit report. Upon reviewing the details, I noticed a claim from Credit Management LP regarding a XXXX bill amounting to {$140.00}. 

I would like to clarify that I have never had a XXXX account and I have no knowledge of the debt in question. To resolve this issue, I promptly sent a debt validation request to Credit Management LP. Unfortunately, I have yet to receive any response, and the debt continues to be reported. 

This situation is particularly concerning as I am currently in the process of trying to purchase a new home, and the presence of this erroneous debt could significantly impact my finances.
Consumer complaint received 2021-09-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Ive reached out to Bank Of America several times via certified mail with return receipt and also registered mail. I have yet received a response back from them. I sent an affidavit over 30 days ago and no response. The account thats listed on my credit report is not mine. Ive asked them to remove the account from my report several times. Documents attached
Consumer complaint received 2019-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

Attached to this complaint are 5 hard inquires from XXXX ( 2 ), XXXX XXXX XXXX, XXXX  XXXX and XXXX XXXX XXXX. I have spoken with all 4 companies and none of them are willing to work with me on reporting these as unauthorized/fraudulent. I would like them removed ASAP. I have worked with both parties and neither the 3 companies or XXXX or Transunion are willing to help me get these removed. They both say back and forth call them and ask and vice versa.
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: I.C. System, Inc. (OH)

Kindly remove this from my report immediately as my car and all stuff documents were stolen. Ive tried multiple times aswell as filed dispute so please remove it once and for all from ny report as I was before victim of identity theft XXXX XXXX  account {$890.00} Please remove this immediately!
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (FL)

There is a delinquent credit card in the amount XXXX and it Fraud. I never applied for a credit card from Citibank, nor do I have a card of sort in my possession. And this delinquent status is effecting my score. None of my credit card I have is in delinquent status I make sure I make payments every month on time.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act.  The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of  an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national  banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX has repeatedly reported inaccurate data to all 3 major credit bureaus as it pertains to my credit report. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX under creditor XXXX  ( XXXX XXXX XXXX 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 2020-09-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (AZ)

XXXX Credit Card Commenity Capital Bank sold a debt that was not valid to XXXX XXXX. Commenity Capital sold the debt after failing to provide validation of debt under 15 U.S. Code 1692g. 

The debt is not valid. Commenity knows the debt is not valid. The entire account must be removed from my credit report not sold and sold again to try to legitimize it.
Consumer complaint received 2020-09-22
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. (TX)

remove address the are not mine and accounts XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$1200.00} Balance Updated XX/XX/XXXX Credit Limit $ XXXX XXXX XXXX XXXX XXXX   Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$25000.00} Balance Updated XX/XX/XXXX Credit Limit {$25000.00} Monthly Payment - Past Due Amount {$25000.00} Highest Balance - XXXX XXXX XXXX XXXX XXXX   Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$25000.00} Balance Updated XX/XX/XXXX Credit Limit {$25000.00} Monthly Payment - Past Due Amount {$25000.00} Highest Balance - inquires not mine address not mine XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX   XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX need to add my correct address and experian XXXX  only. brains of the 3
Consumer complaint received 2019-10-31
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)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Consumer complaint received 2019-10-31
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: BUCKEYE FINANCIAL SERVICES OF ALLIANCE INC. (TN)

XX/XX/XXXX19 filed complaints about information being in my credit like several bankruptcies that are not mines. 
XX/XX/XXXX19 filed dispute again XX/XX/XXXX19 Called Equifax nothing was resolved XX/XX/XXXX19 sent in copy of ID and SSN with letter stating the inaccurate information nothing has happened XX/XX/XXXX19 called and sent letter again XX/XX/XXXX19 Went to purchase my 1st car and bankruptcies  showed on my credit I've never filed bankruptcy. They mixed up my information with someone else. I call them again only to be told to send ID & Ssn with letter to dispute. Now I can't purchase a car under my name until this issue is resolved and the bankruptcies are off my credit report.
Consumer complaint received 2019-10-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

I have a loan being managed by AES, the original balance was XXXX. Over 12 years I have paid : Principal Paid : {$66000.00} ; Interest Paid : {$34000.00}. I may have paid a couple of days late one or twice and deferred by one month once or twice - nothing that should account for the XXXX that seems to have been applied to nothing. Other than that, I've always paid on time. My balance has gone down XXXX in 12 years. I have paid XXXX towards the balance and it has gone downXXXX. When I call and ask how this is possible, no one will investigate or help me figure it out. I don't know who else to turn to. Accountants always tell me they don't specialize in student loans. Considering how much recent scrutiny of AES ( pheaa ) I am concerned my account isn't being handled properly. Any help is greatly appreciated. thank you
Consumer complaint received 2022-04-05
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. (TX)

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.
Consumer complaint received 2019-10-31
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: EQUIFAX, INC. (TN)

XX/XX/XXXX19 filed complaints about information being in my credit like several bankruptcies that are not mines.

XX/XX/XXXX19 filed dispute again XX/XX/XXXX19 Called Equifax nothing was resolved XX/XX/XXXX19 sent in copy of ID and SSN with letter stating the inaccurate information nothing has happened XX/XX/XXXX19 called and sent letter again XX/XX/XXXX19 Went to purchase my 1st car and bankruptcies showed on my credit I've never filed bankruptcy. They mixed up my information with someone else. I call them again only to be told to send ID & Ssn with letter to dispute. Now I can't purchase a car under my name until this issue is resolved and the bankruptcies are off my credit report.
Consumer complaint received 2021-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

On XX/XX/XXXX, I logged in to make my monthly payment. Two days later, XX/XX/2020, Mr Cooper deducted another payment from my account. I had not gone in twice and submitted a duplicate payment. That is what they are saying must have happened. I use the bank account for this payment strictly to pay my mortgage and life insurance, and transfer they funds once I submit the payment. I have reached out since this happened to them, and have had almost no response. I incurred bank fees and a fee from them as well. They have reversed their fee but I want an answer as to how this happened. I also would like to see about getting a letter from them about the error to see if I can get my fees reversed. But no one responds or answers. The bank account is in both my name and my sisters, which will show on the attached statement. The mortgage is in my name only.
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OH)

I received my credit report from XXXX and XXXX I was unable to pull equifax. It included the following inaccurate information multiple name spellings, addresses that are incorrect or unknown to me maybe a possible relatives. I also had a bankruptcy that is not reporting correct information or all information that should be in the report is not included in there like old credit accounts that were paid and agreed. the information below needs removed, I have multiple name spellings as well. I will upload a copy of the report for proof below. 
MULTIPLE ACCOUNTS THAT SHOW LATE PAYMENTS AS WELL I WILL HIGHLIGHT THEM I need clarification as to why you are reporting certain information on my credit report : XXXX XXXX -late payments XXXX XXXXXXXX XXXX finance-late payments XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX PL, XXXX XXXX OH XXXX po box XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX BANKRUPTCY SHOULD HAVE BEEN CLOSED XX/XX/2016 IT WAS DISCHARGED YET ITS REPORTING INACCURATE INFORMATION ON THE DATES TO BE REMOVED. 
MULITPLE NAME SPELLINGS MY CORRECT SPELLING OF MY NAME WILL BE INCLUDED IN THE REPORT ITS 13 DIFFERENT WAYS LISTED ON THE REPORT AND MULTIPLE PHONE NUMBERS
Consumer complaint received 2021-07-19
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. (CA)

Trans Union reports address as XXXX XXXX XXXX XXXX XXXX CA XXXX. That address does not exist. We own the house at XXXX XXXX XXXX XXXX XXXX CA XXXX for 20 years. Trans Union refused to correct their typo. Reference file # XXXX XXXX XXXX XXXX. 
Thank you. XXXX XXXX
Consumer complaint received 2021-03-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MS)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX