davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-04
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. (IL)

Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus on XX/XX/22, but no answer was received. The account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate the account, I will take legal action against them. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-19
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. (NJ)

The information on my credit file states that the account was closed at the consumer 's request which is inaccurate. It also states that a settlement was accepted and the account was charged off. These are XXXX different things. This account keeps reporting to my credit file from XX/XX/18. This information is all incorrect and needs to be removed from my file.
Consumer complaint received 2022-10-07
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. (NY)

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notified the agency, directly or indirectly through a reseller of such dispute, the agency shall, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information or delete the item from the file in accordance with paragraph five before the end of the 30 day. Beginning on the date on which the agency receives the notice of the dispute from the consumer or a reseller. Please see attached file. 

The close dates are different from each bureau. 
The last report date is different from each bureau. 
The payment data is different from each bureau. 

Account : XXXX XXXX  XXXX Account number : XXXX
Consumer complaint received 2022-10-02
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. (AL)

In accordance with the Fair Credit Report act.

The List of accounts Below has violated my federally protected customer rights to privacy and confidentiality under 15 USC 1681. 

List the account name here with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

2. XXXX XXXX XXXX XXXX XXXX XXXX has violated my Rights. 3. XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 4. XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a customer reporting agency can not furnish an account without written consent.
Consumer complaint received 2022-11-19
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. (NH)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, 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 install
Consumer complaint received 2022-01-27
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. (PA)

I sent a letter on XX/XX/XXXX and I have not received any information on the collection reporting inaccurately on my credit report. I sent a second letter on XX/XX/XXXX. I also sent proof that I had car insurance with another company.
Consumer complaint received 2023-03-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (VA)

On XX/XX/XXXX, I received a notice from TRANSWORLD SYSTEMS INC. located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, PA XXXX, Phone XXXX. The notice ( acct : XXXX ) stated that I owe {$1600.00} to original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

This debt is for services provided on XX/XX/XXXX, by XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX at XXXX XXXX XXXX Virginia XXXX XXXX XXXX XXXX XXXX, Virginia. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX submitted a claim for {$1600.00} to my insurance provider XXXX XXXX XXXX ( All Savers ), but the claim was denied because they failed to submit the claim within the timeframe specified in their contract. 

I received an explanation of benefits from XXXX XXXX XXXX ( All Savers ) XXXX informing me that the claim was denied due to timely filing issue and that I was not responsible for paying these services and that XXXX XXXX was not to bill me because the fault lies on them. 

I contacted the following parties on XX/XX/XXXX : Original Creditor : XXXX XXXX XXXX ( XXXX ) XXXX ( acct # XXXX ) and they informed me to disregard the notice from the debt collector. They have never delt with TRANSWORLD SYSTEMS INC. and they are aware that I am not liable for the bill. I have had numerous phone conversations between them and XXXX XXXX XXXX ( All Savers ) to get this resolved. I had assumed the matter was closed because it has been over a year and then I received this notice from TRANSWORLD SYSTEMS INC. on XX/XX/XXXX TRANSWORLD SYSTEM INC. : I spoke with a representative and they informed me the notice was on hold because they were waiting on a response from XXXX XXXX XXXX. XXXX XXXX informed me that they do not deal with this debt collector and that my account was XXXX for the service date of XX/XX/XXXX.
Consumer complaint received 2022-10-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Self Financial Inc. (FL)

I called self on XX/XX/2022 after trying to keep up with my loan. I explained I am currently experiencing hardship. I asked to close my account and receive a refund of monies sent ( {$600.00} ), I also asked about negative reporting. I was told that due to hardship my request would be approved, I would receive a check after 15 business days and no negative reporting would be made. However, I never received the funds and I was reported negatively. I called again. I spoke with a rep who advised he could not cancel a payment. I did not call in for this reason so clearly the rep did not understand the reasons for my call. I did reiterate the reasons he then claimed I would be charged and would only receive a refund of {$400.00}. When I questioned the difference again he did not know why. I am going through hardship this is very frustrating.
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

I have asked for my credit report to be accurate, removing delinquent accounts or providing proper debt validation as well as taking down all proper addresses, work places and phone numbers except for what is current. I have been a victim to fraud and do not want all these addresses and numbers that are incorrect on my credit report. I have written several letters and have been ignored every time.
Consumer complaint received 2022-01-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (LA)

I was struggling financially and was late on a couple payments in the beginning about a year ago and Flagstar Bank put me on forbearance. I was allegedly approved for loan re set and was told I would be mailed the documents and I needed to have it notarized and signed and sent back within 13 days. For months I calls once and twice a week and always got the run around on why I haven't received the documents. I was told not to make any payments until I signed the loan re set document. On XX/XX/XXXX I received a email saying I needed to sign the documents that were mailed to me for loan re set. I never had documents mailed to me. I get a email XXXX XX/XX/2022 with the documents attached of which now I can not find. Wednesday XX/XX/XXXX I call flagstar yet again and am told that that option is no longer on the table because I never returned the documents. They never sent me the documents. My home is all I have and they have swindled me into forclosure
Consumer complaint received 2022-11-19
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX Created a False account and even stated i still owe XXXX dollars on XX/XX/1922 my credit score was XXXX and on XXXX XXXX till today is XXXX due to this false report sent and exepted by Equifax. I also provided them with settlment agreement with both accounts with XXXX signed by a XXXX in XXXX XXXX. They claimed they did a investigation and this info is accurate. This Is XXXX XXXX and Equifax
Consumer complaint received 2022-11-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-04-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: I.C. System, Inc. (DE)

I applied for some lending. I was denied. I was told I have a collection account on my credit. I have never received any calls, emails or mailing concerning and collection account. I was provided a company name from the creditor that we applied for lending. I googled the company and its a collection company called IC Systems. I contacted them and the researched under my social security number, name, address date of birth and said I do not have anything on file for them. So I contacted XXXX XXXX and wanted to dispute findings. I was told nothing at all for collections on my file. A month goes by and I get a notice from XXXX XXXX that there a change in my credit file since I am a member of the credit watch for 8 years now. I contact them and innate dispute. since they can now see it on my file. I get a mailer from them that says they updated my file to show its a valid debt. I contact IC Systems back and still I'm told nothing nothing on file. I literally had to tell them I suspect fraud has been done. She then tells me that under my social the have a file in a completely different name and in the state of North Carolina about 700 miles away from me. She then gives me the name of the creditor that is reporting the info. I tried calling them and was on hold for 49 mins before hanging up. I googled how to report a fraud on there system which is Spectrum which is a internet/cell company and there like 20 documents that they want, including a police report, utility bill, copy of my id and notarized. I have no problem supplying, but they want you to fax it in. in this packet I am submitting it contains my social security.. The main issue is they say it could take over 6 weeks to correct the issue. That is just unacceptable!!!!! I feel if they as a company would have done the job correctly in the first place then none of this would have happened. I feel that a company should verify a persons identity when applying for a item that involves credit when making a purchase. I have had my credit locked with XXXX XXXX, XXXX and XXXX. Had Spectrum done there job correctly then they would of seen or had notice my credit is locked. I don't feel I should suffer 6 plus weeks for there mistake.
Consumer complaint received 2022-01-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP (OR)

On or around XX/XX/2021, I saw an online advertisement by KeyBank that if I opened a checking account and deposited {$500.00} within XXXX days, I'd receive a {$200.00} bonus. I made my first deposit of {$250.00} on XX/XX/2021. By XX/XX/2021 ( 60 days later ) I had made XXXX {$250.00} deposits into the account. I hadn't received my bonus and when I stopped into the KeyBank in XXXX, OR on XX/XX/2021, I asked why I hadn't received the bonus. The clerk said the promo was tied to my account, but she didn't know why I didn't get the bonus. She called the corporate office and was told that because I didn't make a single {$500.00} deposit within the XXXX days, I didn't qualify for the bonus. I feel this was a deceptive marketing strategy. I asked for a print out of the promo and was provided the attached print out.
Consumer complaint received 2016-07-25
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: DISCOVER BANK (NC)

Discover Bank is mishandling my account and not doing as they state when it comes to disputes putting me in danger of my account. I do not trust the way they have handled my account. They are being dishonest in their accounts and making it my issues that they have mishandled it and stating that they will take up to 45 days to correct their issues and problems.
Consumer complaint received 2016-06-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: DISCOVER BANK (CT)

My student loan is currently set at 10.875 % interest rate. While in school my loan gained interest & now is almost double the principle balance. I pay almost nothing towards the principle and mostly interest. It would be really nice to get rid of some of that interest that was gained while in school. Also, now that I am working and have good credit, I believe they should work with me to lower my interest rate. Rates now for student loans are half of what I have.
Consumer complaint received 2022-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NV)

I own a condominium and my HOA pays for the homeowners insurance. I have a mortgage with Rushmore Loan Management Services , LLC. On XX/XX/XXXX Rushmore sent me a letter requesting a copy of my condominium master insurance policy. On XX/XX/XXXX I sent them a copy by fax ( 3 times ) and by mail of this insurance policy and also my HOA sent them a copy. On XX/XX/XXXX I call Rushmore to follow up and they confirmed receipt of insurance policy, they told me they got it. 
This corrupt and fraudulent company, Rushmore, keeps sending me letters requesting this same insurance policy and is harassing me saying that they will buy insurance and I have to pay them {$690.00} because they have not received the copy of my HOA master insurance policy. On XX/XX/XXXX I just got another letter with the same harassing words demanding proof of insurance or to pay them {$690.00}. On XX/XX/XXXX I call them to find out what is going on and they put me on hold for hours, then transfer me from person to person, then they just hung up. 
This has been happening with this company every year, and I have no choice but to seek for help with the CFPB.
Consumer complaint received 2022-01-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

My friend, XXXX XXXX XXXX someone on XXXX  about Mining Pool using Coinbase Wallet. This scammer said if I open a Coinbase Wallet and deposit USDT ( tether ) you can earn liquidity mining rewards based off USDT. The scammer then sent him a mining certificate that allowed access to the mining pool. I think clicked on the mining certificate which turned out to be a smart contract that gave the scammer complete control of my coinbase wallet on USDT. I then deposited USDT one a time and proceed to earn rewards in USDT. I continued to add USDT when on XX/XX/2021, the scammer emptied my Coinbase wallet and drained all my funds. 
In total, {$310000.00} was stolen out of my wallet and transferred to other wallets.
Consumer complaint received 2022-11-19
Product: Credit card or prepaid card — Student prepaid card
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A. (NY)

Hello Citi World - Wide, I am suffering from Bereavement from the Homicide of my mother and I was diagnosed with XXXX after being a victim of ongoing hate crimes created by XXXX, XXXX and Department of Education Scams which misinformed my XXXX XXXX XXXX and United States XXXX XXXX XXXX at the Time, I would like to know what remedies as far as XXXX Discharge you may offer in times of hardship such as I experienced upon having to live on my own after 2 years at Private University and being under paid by my bosses by atleast XXXX or XXXX thousand dollars a year, also I will advise you I have had to represent suing multiple of your companies for Felony Charges after I was XXXX by a XXXX XXXX  and Members of XXXX  making any sort of agreement to be impossible between us, I need to know if the credit amount has been discharged or if it has been sent to another company to handle.
Consumer complaint received 2022-10-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (NJ)

Hello, I have a savings account with Marcus and the account was locked without notice in writing or phone call over the connection to another bank. The company failed to follow procedures correctly as the account was confirmed via XXXX as a Personal Account. This was done on XX/XX/XXXX - the representative asked for me to call them back but did not indicate the account was locked nor indicate an urgency in the message. When I called them back on the XXXX, the representative was not aware of the reason to the call, did not inform me of any issues on the account and could not give me a timeline when the rep who sent me the email would be available. 
I informed the rep that I did not have unlimited time to wait and expected a direct call back or email, none of which happened. There was no notice that my scheduled credit card payment would not be made. The payment to my XXXX Credit Card at XXXX Bank was declined result in a late fee of {$29.00} and Finance Charge of {$3.00}. The company refused to accept any form of written evidence of the charges and made me take time over the phone to verbally detail each item. I then received another call ( t XX/XX/22 ) to call them back and then learn verbally that finance fee reimbursement was denied behind reasoning that was flawed and continued their non-transparency in dealing with me. I am expecting a refund of my fees paid to XXXX in the amount of XXXX to be reimbursed by Marcus for non-communication. I have attached the credit card statement with fees and the returned payment confirmation. The company made no effort to fix this matter and made no disclosure of a closure despite the fact that I was in full compliance- even their email to me indicated a request for a call back without time frame and did not indicate that the account was not sending funds. They did not communicate in an open and transparent matter and did not trust their technology to verify the legitimacy of my accounts, leading to the financial penalty that I incurred. I have attached a copy of the fees incurred as a result of Marcus ' actions...
Consumer complaint received 2016-11-30
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC. (GA)

My wages started getting garnished from Asset Acceptance for a debt that is past the Statue of Limitation to be garnished. I was not served any court notices or anything. This is illegal and they amount they are stating I owe is not right.
Consumer complaint received 2016-08-10
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

on XXXX XXXX, I called the pay by phone line for my Bank of America AAA credit card to make a payment. I made a payment of the last statement balance of XXXX. 

this amount was debited from my checking account twice, on the same day, Monday XXXX XXXX, XXXX when XXXX XXXX notified me on XXXX XXXX, I called Bank of America and requested a refund. I was told it would take XXXX five business days. 

on XXXX XXXX, the money was still not in, so I took a loan to cover my mortgage and stop the {$35.00} fees charged daily. of course I followed up with a call to bank of America. 

I called again to bank of America on XXXX XXXX and XXXX. I called again on the XXXX, and they said it would take seven days, but should be in by the XXXX. 

I called on the XXXX, and they said it had just been approved, because someone from Bank Of America has submitted for a refund twice. because they made a mistake, it would take another 7 business days before I could get a refund. 

has anyone ever taken money out of your account? should n't they have returned it sooner? I ca n't pay bills, gas, food, until I get my {$2000.00} back!!!!! 
can someone please help me.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (GA)

I contacted MoneyLion on XX/XX/2022 around XXXX via chat and spoke with XXXX XXXX I advised agent that MoneyLion is reporting inaccurate information to all 3 credit bureaus. XXXX stated that she currently sees my account is paid off and the only thing I could do is file a dispute. I asked XXXX a for a sup she advised sups werent available via chat. I then contacted MoneyLion via phone around XXXX. I spoke with supervisor XXXX who also said the only thing I can do is file a dispute. XXXX also advised he seen my account was paid off. I advised XXXX I expect this to be updated or I would file a complaint with CFPB XXXX stated that was okay.
Consumer complaint received 2022-10-02
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have a issued with Capital One Auto loan, I was a Co-Signer and The vehicle got Totaled, Capital One had gap insurance to pay it off and they refuse to pay, and I was told I had to pay the remaining balance {$880.00}, that I cant afford to pay.