davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-17
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: LendingUSA (GA)

I recently submitted a complaint of in accurate late payment from Lendusa. They had 1 late payment listed for XX/XX/2019. Now all of a sudden I have 3 late payments from XXXX, XXXX and XX/XX/2019. This is causing a affect on my report in the midst of purchasing a home. I have never been late and had agreement for a deferral. I have contract and email. How can they all of a sudden report 3 late payments a year later this dont make any ethical sense
Consumer complaint received 2020-05-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (TX)

The acquisition of PHH Mortgage by Ocwen was supposed to cure the enormous problems that Ocwen had - it hasn't. PHH is worse than Ocwen in customer reposes and service -m there is no one to talk to, they are not responsive to legally responsive questions, or the customer is just ignored.
Consumer complaint received 2016-07-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Radius Global Solutions LLC (FL)

Collection agency. CENTRAL CREDIT SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX / XXXX Reporting debt from another person on my credit report. 
after several phone calls the agent were unable to validate and or locate neither my address, my name, by the amount owed or by the account number. 
I am disputing the validity of the debt reported to all XXXX credit bureaus by CENTRAL CREDIT SERVICES
Consumer complaint received 2015-07-18
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (TX)

My name is XXXX XXXX. My mother, XXXX XXXX XXXX, was phone scammed. They took her for {$2700.00}. She sent an additional {$1000.00} however, she did get that back. More education of the XXXX needs to be conducted. My mother is XXXX years of age. She has learned her lesson. 

The attached documents show the notes that my mother wrote about who was calling. The next XXXX documents show the Western Union transfers that were cash by the scammers. The next XXXX documents show where she sent the money ( {$1000.00} ) but got it back.
Consumer complaint received 2020-05-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

I was shocked when I reviewed my credit report and found late payments with this company on the dates below. I paid but sadly, I think my payment did not applied on time and I am tagged as late payment. This is not my fault, I paid and settled on time. 
BK OF AMER - XXXX and XX/XX/2018 2018
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (ME)

I never received my e-statement, yet I've received all of my statements and receipts from them for the past XXXX + years and I received the late payment notice at the same email address as everything else. 

Upon logging into my account the statement shows a due date of XX/XX/year>. The bill was paid in full, as soon as I received the notice, on XX/XX/XXXX. That makes my payment XXXX  days late NOT XXXX  days late as their agent told me repeatedly.
Consumer complaint received 2020-07-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Harvest Credit Management VII, LLC (CT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Harvest credit management and XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Ct file No. XXXX Dear Harvest credit management vii , llc. and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am responding to your contact about collecting a debt. You contacted me by mail on XXXX XXXX and identified the debt as Harvest credit management bought this account from XXXX and XXXX auto loan .I do not have any responsibility for the debt youre trying to collect. The statue of limitations applies to this debt, therefore, I do not owe anything. 
Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.

Thank you for your cooperation. Sincerely, XXXX XXXX
Consumer complaint received 2020-05-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

A new debt has been reported on my credit report that does not belong to me by a company named Commonwealth Financial Systems. The amount of the debt is {$1200.00} for a debt owed to XXXX XXXX. This is not my debt. I incurred these expenses in XXXX due to an emergency room visit for a worker 's compensation claim. This debt is the responsibility of my prior employer XXXX XXXX of Texas. I had health insurance at this time that would have covered the expense had it not been a worker 's comp claim. My health insurance was not taken by the hospital for this reason. This debt was previously owned by a different 3rd party collection agency, XXXX XXXX who also reported this debt on my credit. I submitted a claim to CFPB in XX/XX/XXXX and XXXX XXXX removed the debt from my credit report and closed the account however it appears the debt has now been sold to a new company who is reporting the debt again. I am not responsible for this debt and it should not be reported on my credit.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I was recently digging into my credit report which caused me to be sent into a deep XXXX. The bureaus did not make sure that the information that they were reporting was one hundred percent accurate and as a result it is affecting my ability to get any kind of credit and worse it is affecting my wellbeing. This information being reported is inaccurate and wrong and these errors need to be corrected.
Consumer complaint received 2021-02-10
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I've written your company several times all sent out via mail. I haven't heard any word so I have no choice but to submit my complaint here about my credit report. There are false or misleading representations. There are several accounts were the payment history is not consistent and should be correct. On XXXX and Equifax it reporting different information. 
The following accounts I have did my due deligence and actually carefully reviewed my report. I feel like you guys are stalling and not properly investigating
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX  Account Number : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: KEYCORP (OR)

I applied for a secured credit card, was approved, and I funded it immediately. Key won't send my card until they verify my address. An address that Key has on file for my other accounts, and this address shows on XXXX. 
XXXX people have called me multiple times regarding my address. I spoke to XXXX XXXX XXXX  and told him that this whole process is convoluted and I'd like to cancel my app. He said he could do that for me right now, and did. Then I get an email that says I was DECLINED. And my {$300.00} security deposit which they took immediately has not been returned.
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/year>, I deposited an amount of {$2800.00} into my Bank of America account. This deposit was from the sale of my personal vehicle, a decision I made out of necessity, as the funds are urgently needed for medical treatment. Despite this, my account was closed abruptly and without any provided explanation or prior notice. Attempts to understand the reason behind this closure from the bank have been unsuccessful, leaving me without access to the crucial funds. This situation has not only caused significant financial distress but also impedes my ability to manage my health expenses. I urgently request a detailed explanation and immediate action to resolve this issue and restore access to my funds.
Consumer complaint received 2021-02-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (TX)

i have had a coinbase account for about a year+ never had any problems using their services. recently around XX/XX/XXXX i tried withdrawing my money XXXX $ and till this day i can not because they have placed my account under review for no reason. i have tried contacting and submitting multiple ticket complaints but their customer service has not replied or fixed my problem. my money is inaccessible and im furious because i need that money to survive during this pandemic.
Consumer complaint received 2024-01-19
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: Experian Information Solutions Inc. (FL)

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the repeated attempts I have made to rectify the ongoing issue of late open accounts associated with my account. Despite my multiple efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress. 

I first noticed the late open accounts and since then, I have diligently contacted your company 's customer service department to bring this matter to your attention. During these interactions, I have provided all the necessary documentation and information requested, yet the issue persists, and no concrete action has been taken to correct it. 

The late open accounts issue has had a negative impact on my financial stability and XXXX XXXX. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I have made timely payments and fulfilled all obligations on my end, and it is disheartening to see that my efforts have not been reciprocated. 

I am formally requesting the following actions to be taken promptly : Immediate correction of the late open accounts on my credit report to accurately reflect my payment history and prevent any further damage to my credit score. 
A written confirmation of the resolution, including the date when the correction was made. 
An apology for the inconvenience and stress caused by the repeated failures to address this issue in a timely manner. 
I understand that mistakes can happen, but I believe it is only fair that your company takes responsibility for its errors and takes the necessary steps to rectify them. I trust that this matter will be resolved promptly, as it is in both of our interests to ensure the accuracy of my credit report. 

If my concerns are not addressed within the specified timeframe from the date of this letter, I may have no choice but to escalate this issue further by seeking legal assistance or contacting relevant regulatory authorities. 

I sincerely hope that it does not come to that, and I look forward to a swift resolution of this matter. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX Balance : {$280.00} ; XXXX XXXX XXXX Balance : {$8500.00} ; XXXX XXXX XXXX Balance : {$20000.00}.
Consumer complaint received 2024-05-03
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

XX/XX/2024 I called Bank of America customer to inquire mobile deposit cashier check of {$18000.00}. 
the customer service rep said must go to a branch, I can not go to the branch because hours were reduced to XXXX XXXX XXXX I work during those hours. I asked if the branch atm ok he said yes. no mention they would put a 10-day hold on the cashier 's check. 
XX/XX/2024 called the bank and spoke to supervisor XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Bank of America states the policy is 7-10 days to hold any deposits over {$5200.00} no exceptions. She could not answer the question of what determines a 7-day hold vs a 10-day hold. I told her If I knew the bank would put a 10-day hold on the cashier check I would have deposited the cashier check into my credit union account I would have had access to the funds within 48 hours.

Can the bank do this by putting a 10-day hold on a Cashiers Check?
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.
Consumer complaint received 2021-02-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

Hello I submitted multiple letters on some unauthorized inquiries on my report. I did my due diligence on everything and contacted the companies. Please find attached a FTC report I submitted for these unknown inquiries.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MN)

Hello! I pulled up my Equifax report and I still see the fraudulent hard inquiries that I previously requested to be removed. I submitted the required documents and clearly stated in the cover letter that I never applied or had any transactions with these companies. Please hear me out and help me remove these fraudulent hard inquiries.
Consumer complaint received 2016-09-27
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (NJ)

I have a checking and savings account with Wells Fargo as well as a credit card through them ( which I did not ask for, but that 's a separate complaint ). I get paid on Fridays and over the weekend I made several purchases which posted as they were meant to on Monday. On Monday evening I logged into my online banking to check my account before sending {$20.00} to my credit card and then making a purchase with money I sent from my savings account. This morning I saw that my purchase had been shipped and so I logged in to my Wells Fargo online banking only to find an overdraft of {$35.00} on my account ostensibly for the {$20.00} I had sent to my credit card the night before. I have attached a screenshot of my online banking taken around XXXX on XXXX/XXXX/16. 
When I called Wells Fargo to ask them to explain why they had allowed a payment from that account ( I have it set to decline any charge which would cause an overdraft, something which they have repeatedly abused ) if there was n't the {$20.00} in that account, they said that after that charge, which on the online system is listed as the cause for that overdraft fee ( not the other purchase I made, which posted on Tuesday ), I had {$13.00} left in that account but they were not authorized to refund me the overdraft fee, even though it was clearly and obviously fradulent. 
Now, because I have a {$35.00} overdraft fee I ca n't cover the purchase that went through Tuesday, and will have to get another {$35.00} fee on that purchase. I 'm going to try to go into my local branch but you 'd think that a ), they would n't have let the payment to my credit card go through if that money was n't in the account ( which there was ), and b ), would either have been able to refund me the {$35.00} overdraft fee so that I could pay for the new charge, or at the very least, c ), would cancel the new charge so that I could resolve the problem without incurring a second overdraft charge. This is RIDICULOUS, and it happens with Wells Fargo all the time. 
In addition to this latest outrage, I have caught them several times re-enrolling me in the system that allows overdrafts to happen, a system which is legally supposed to be opt-in, not opt-out. I 'm about to move on to a credit union, but I 'm on a budget and I simply ca n't afford another spurious overdraft fee. Thanks for any assistance you can provide.
Consumer complaint received 2024-03-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC (PA)

On XX/XX/year> I had a collection put on my account without any notice. They refused to tell me what it was for. It's my address with XXXX but I use XXXX.
Consumer complaint received 2020-07-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (FL)

I was shocked when reviewing my credit report and found late payments ( inconsistent ) on the dates below : 30 days late starting XX/XX/2020 and XX/XX/2020 ( XXXX  & XXXX ) I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statement did not get to me. My payments are on autopay, so this makes me even more confused
Consumer complaint received 2024-03-11
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. (LA)

No actions has been taken by the company XXXX. I have taken all actions and necessary steps XXXX XXXX has asked me too. XXXX XXXX could not help me. I was passed around from department to department as you will see below as I took notes of each person I spoke with. Faxes where sent etc and I have not received any feedback/response from XXXX to have the inaccuary reportings removed from my credit report. I would like for someone to handle this matter immediately Notes On XXXX  XX/XX/XXXX, I received a call back from XXXX in the executive office stated I needed to call XXXX XXXX XXXX  at XXXX to dispute the fraudulent transactions from XX/XX/XXXX thru XX/XX/XXXX. I called XXXX XXXX XXXX Department, spoke with agent XXXX XXXX XXXX she couldnt help me and advised me to call base Collections department at XXXX where I spoke with agent XXXX ID # XXXX stated he saw in the account where I submitted those Transactions disputes a number of 3 times on the year of XXXX and they all came back valid. I expressed to XXXX that Ive requested via fax and phone for XXXX to provide proof of my responsibility of those transactions. XXXX stated I need to speak with another department at phone number XXXX and they are open XXXX XXXX XXXX XXXXXXXX. 

XXXX XXXX  XXXX called XXXX, spoke with XXXX in XXXX XXXX XXXX XXXX department where that department if customer not satisfied with dispute results and can request for proof transactions are customer responsibility. XXXX stated there were XXXX cases on file and they all your rules as valid. I requested for XXXX to send me via mail or email proof that I am responsible for the charges, XXXX stated I needed to speak with another department. I then spoke with XXXX ID # XXXX in XXXX XXXX Department where she stated I had already filed XXXX cases of the same issue dates of XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. XXXX stated I needed to file another claim. At that point she couldnt help me neither. Throughout this entire process I have been getting the run around from XXXX since XXXX for this XXXX Account. No one can assist. Every department is putting the matter off on another department to where this entire process has become extremely frustrating and exhausting. I have never received any letters from chase in response to the XXXX cases that were filed. I ask for proof, they have failed to provide proof over a course of XXXX months. 

I would like for this account to be removed from all my credit profiles this negative and i account is reporting on.