davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERIS BANCORP (GA)

Ameris Bank granted a forbearance for 3months, XXXX through XX/XX/2020, due to COVID. I resumed payment on my mortgage on XXXX, following the end of the forbearance period. I then received emails from all 3-credit bureau about the bank reporting that I have been late on my mortgage for 90days, and payment has not been received. This dropped my credit 130pts. I filed a dispute with all 3-bureau, called the bank to try to resolve it but was told nothing they can do until after 30days of investigation into their system. I provided evidence of the forbearance letter which indicates my credit will not be affected due to the COVID relief assistance emergency program, but that was not taken into account by the bank. I am still out of work and now made difficult to find work due to the negative credit report irresponsibly placed by the bank. The bank, Ameris Bank, have yet to resolve this situation. Meanwhile my credit has only gotten worse because now I can't even refinance to eliminate my relationship with the bank. I have already started to receive letters from my credit card companies about dropping my credit limit due to the negative impact on my mortgage loan.
Consumer complaint received 2020-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MA)

I charged {$35000.00} for a cruise in XX/XX/2020 The cruise line XXXX cancelled the cruise in XXXX I disputed the charge Citi issued a conditional credit XXXX refunded the {$35000.00} to my Citi Bank Double Cash Card on XX/XX/2020 I requested a refund of the {$35000.00} either by check or deposit to my checking account Only XX/XX/XXXX, XXXX at XXXX, XX/XX/XXXX : replied " Expect to receive your refund check in the mail within 7-10 business days. you'll get a confirmation on email within 1-12 hours. 

Be rest assured Citi is with you. '' On XX/XX/XXXX they were still sending me messages saying the " credit balance is due to the conditional credit that we issued for an item ( s ) currently in a dispute status. " Also it was not in dispute status and they had the merchant credit On XX/XX/XXXX, Citi Said " Thank you for your patience! 
The dispute is successfully withdraw. I would like to inform you that, your last statement balance was {$280.00} and it got automatically deducted from the credit you have on the account. 
So I am going ahead and credit {$34000.00} to your checking account. You will receive the credit within 3-5 business days " This was followed by " I have process the credit balance refund. You will receive the fund within 3-5 business days, to your checking account.

Rest assured! '' Today I was told t would take another 7-10 days for them to review the refund request Basically, CitiBank is refusing to refund the money they owe me The billing dispute case ID was XXXX This should identify me to Citi
Consumer complaint received 2020-08-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

Hello, I have XXXX 1 month trying to send my bitcoins to another wallet or withdrawl my money thanks to coinbase I lost XXXX, I just want my money or send my bitcoins to another wallet, They didnt answer me anymore.
Consumer complaint received 2020-08-11
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. (TX)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
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: BARCLAYS BANK DELAWARE (PA)

I'm not sure what they are trying to do but they have a grudge and they are reporting illegally, incorrectly, and falsely. My account went delinquent 4 years ago. They are reporting to all 3 credit bureaus as recent delinquency as of right now. It is not recent delinquency it is 4 years old and should not be reporting as a recent delinquency. I want it to report correctly and accurate that it's not a recent delinquency and is 4 years old.
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: LendingPoint Holdings LLC (NJ)

On XX/XX/2020 at approximately XXXX, I received a Credit Disclosure email from Lendinf Point XXXX LLC ( electronic mailing address XXXX ). The email included a report of credit score that was allegedly pulled from my credit report. I have not solicited business from the aforementioned company nor have I authorized them to pull my report. It concerns me because someone may have attempted a loan with my information.
Consumer complaint received 2020-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (VA)

I filed dispute ( CITI Bank DISPUTE # XXXX ) with CITI BANK issued Master Card ( MasterCard Case # XXXX ) for an Air  ticket/s   booking made via travel agent ( XXXX/XXXX  ) as the airline cancelled my flight due to COVID-19. 

I was qualified for a full-refund by the travel agent through which I booked the flight per the federal regulation issued by US DOT. The airline ( XXXX XXXX ) REFUNDED the FULL Amount to this Travel Agent ( XXXX/XXXX ) on XX/XX/2020. Yet, the CITI BANK refused to re-open my claim against this charge. 

Further, when merchant/travel agent ( XXXX/XXXX  ) has agreed to issue me a FULL REFUND but want an " Official Charge Back Withrawal '' regarding this transaction, the CITI Bank is NOT responding to various requests that I have made over a period of 1 month. It is critical that CITI Bank provides me with an official Charge Back Withdrawal Letter so I can be issued my refund by this merchant. I have made numerous atempts by phone & emails but CITI BANK is not responding.
Consumer complaint received 2020-08-11
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. (TX)

Both Equifax and XXXX have failed to acknowledge that I dispute the results of their " investigation '' into the late payments being falsely reported on both of my reports. I am attaching the supporting letter that I sent to Equifax via their website, along with a copy of my report from their site showing their failure to report that I dispute the account. This is a clear violation of the FCRA and I therefore demand that the items be corrected on both reports in the next seven days. I am keeping careful records of all of my correspondence and will escalate this as I have already experienced months of damage.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I tried to contact Experian several times for them to remove all these names and addresses that are inaccurate and they are not removing anything. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident type Single-family XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX type Single-family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Preferred Collection and Management, Inc. (FL)

XXXX ( insurance company ) called this debt collector and advised them that is was illegal to place damaging information on my credit report. The collection agency rep was advised that medical providers have strict limit from the date of service until they stop accepting claims for that service. This provider didn't timely submit the claim despite having all the required information to do so. The collection rep stated during the call that the collection would be removed from my report -However that has not happened as promised.
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi, I have two hard inquires on my credit report for two companies I did not apply credit cards for. These are the following two companies 1. XXXX XXXX 2. XXXX  I've contacted them and do not want to take them off my credit report. I had some issues in the past where I've been a victim of identity theft and it seems like they still have some of my information. It's really affecting my credit score and my ability to get further credit.
Consumer complaint received 2020-04-20
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. (CA)

Hi, I have two hard inquires on my credit report for two companies I did not apply credit cards for. These are the following two companies 1. XXXX XXXX  2. XXXX  I've contacted them and do not want to take them off my credit report. I had some issues in the past where I've been a victim of identity theft and it seems like they still have some of my information. It's really affecting my credit score and my ability to get further credit.
Consumer complaint received 2020-04-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I call transunion many times. Sent letters try to dispute the information I ask them to send Mov. Everything plan the 15 days and 30 days
Consumer complaint received 2016-08-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MI)

I submitted an investigation into an account listed on my Equifax report on XXXX/XXXX/2016 regarding a judgement that has been deleted off of my XXXX and XXXX reports already. I went to check the status of it and it had " completion date XXXX/XXXX/2016 '', with no results or contact from Equifax. I called Equifax today XXXX XXXX, 2016, and requested that the item be deleted and they refused. I would like your help in having this removed from my report. They exceeded the investigation time and never contact me with any results.
Consumer complaint received 2022-11-14
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. (MI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$25000.00}
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi, I have two hard inquires on my credit report for two companies I did not apply credit cards for. These are the following two companies 1. XXXX XXXX 2. XXXX  I've contacted them and do not want to take them off my credit report. I had some issues in the past where I've been a victim of identity theft and it seems like they still have some of my information.

It's really affecting my credit score and my ability to get further credit.
Consumer complaint received 2020-04-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (SD)

I made a payment on the closed credit card account with XXXX XXXX/comenity bank. the post office confirmed the payment of {$150.00} was delivered on XX/XX/2020 but no payment has been updated to reflect the correct lowered balance. They have received my money and have not posted to the account.
Consumer complaint received 2022-11-14
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. (TX)

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NJ)

I was in the process of buying a new home and the lender ( XXXX XXXX ) requested statements from my closed XXXX account. In an effort to do so, on XX/XX/20, I called a number I found online claiming to be XXXXXXXX XXXX customer service and that's when my issues began. I spoke with a XXXX XXXX at XXXX ( I have several text messages to support this ). In a well engineered process, they asked me to log into my bank account to verify my identify and conduct a series of test transactions to increase my daily limit as well as install an app to read my screen to better assist me. I felt uneasy about it but my back was against the wall as the lender ( XXXX XXXX ) wasn't going clear me to close on my new house ... so I followed suit against my better judgement. We did three transactions, to which the money was instantly credited back to my account ( they did this to gain my trust ), then they asked me to do the final test to be able to access my statements, the last test was a wire transfer to one of their managers XXXX XXXX which will not come from my account, so when I did that, the money left my account and all of sudden they started having technical issues and wasn't able to reversed the funds. I was placed on hold and was desperate to get my money back because it was a part of my down payment. I contacted my bank Wells Fargo and they told me because I authorized the transfer they could not reimburse me. So I called XXXX XXXX  to see if I could resolve this directly with the receiving bank and they told me they couldn't access this XXXX XXXX account because I was not the owner and they could get into trouble for doing so and advised me to work with my bank 's ( Wells Fargo ) wire department, which I did. Today, I received Wells Fargo final decision not to reimburse me for the money I transferred. As of last Friday, XX/XX/20 my account was under attack, someone tried to make a purchase using the new debit card the bank issued as part of the XX/XX/20 issue. My second replacement card is on the way. I need help resolving this with Wells Fargo or XXXX XXXX I would like them to at least try to get my money back from an account belonging to scammer XXXX XXXX from Pennsylvania.
Consumer complaint received 2017-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STONELEIGH RECOVERY ASSOCIATES, LLC (IN)

I bought a car from  XXXX   XXXX   XXXX  and obtained a car loan, last year I struggled to keep up with the payments and the car got repossessed in    XXXX    2016   . Some time in  XXXX  a received a statement from  XXXX   XXXX  stating that they sold the vehicle and I owed them {$440.00} plus cents. Sometime in  XXXX  I received a collection letter from a third party collection agency stating that I owed  XXXX   XXXX  {$20000.00} and some cents, so I immediately contacted  XXXX  and they said they made a mistake and they sent me an incorrect statement and that I owe them the {$20000.00}
Consumer complaint received 2022-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (FL)

On XX/XX/2022 I bought 1 ticket to a concert from XXXX XXXX XXXX, using my Paypal credit card. At the ticket counter i could not produce a barcode from the XXXX XXXX so i could not enter the venue. The director of Ticketing said that that XXXX did not buy any tickets for the venue for the concert. she also said that scalping tickets " real or otherwise '' is illegal in Florida. The XXXX tickets were bogus and I demanded a refund from Paypal. After contacting XXXX they denied my claim to have the ticket cost refunded to me. I had to buy a ticket at the ticket gate to enter the venue. Please contact Paypal as to why they denied my claim. I have attached a signed letter from the director of ticketing at the venue with a copy of the actual ticket I bought to enter the venue. Thank you- XXXX XXXX
Consumer complaint received 2020-08-10
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. (PA)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$25000.00} XXXX XXXX XXXX XXXX {$1100.00}
Consumer complaint received 2016-07-29
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BBVA FINANCIAL CORPORATION (AL)

I had an unauthorized payment posted to my mortgage account in XXXX 2015. There were XXXX XXXX XXXX payments posted to my account that month both from my BBVA Compass account : I only authorized XXXX payment. 
The disputed charge is : XXXX {$1100.00} ref # XXXX
Consumer complaint received 2017-03-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AZ)

When I took out my loan I did not put down 20 % equity and had to add private mortgage insurance. I was advised once my loan hits 80 % loan-to-value ratio the private mortgage insurance would be dropped automatically, or I can request in writing that it be removed early if the equity in the home is above 20 %. I contacted Ditech because my realtor ran comparable pricing in the area and found my home had gained more than 20 % equity thus allowing me drop the private mortgage insurance. When I contacted Ditech they stated that they would have to have an appraisal done, which I would be charged for, but they would have to pick the appraiser. I allowed them to proceed because my realtor had informed me the pricing would be well above what was needed. When their appraiser finally provided a value on the home it was 80.6 % loan-to-value. This very much seems like Ditech influenced the value of the home because the comparable sales that the appraiser used do not support her pricing ( I am filing a complaint with the Arizona board of appraisals against the appraiser ). I have since challenged Ditech on the value that they gave my property and the authenticity of the appraisal that was completed by their appraiser. I have sent Ditech supporting documents showing that my home value is higher than their appraiser and Ditech has ignored all other relevant data and are denying removing my private mortgage insurance. At this point, after over 6 months of dealing with Ditech I was forced to refinance my home with another company that was baffled that Ditech could not see the proper home value, they refinanced our loan without even doing an appraisal. I also received from Ditech my original signed documents CLEARY showing that there was NO documentation about the condition they are now holding too. Ditech is claiming that I agreed to a seasoning period with the PMI and that because my loan is less than XXXX years the 80 % condition is changed to 75 %. The Private Mortgage Insurance Disclosure, that I signed, only references that the loan-to-value must reach 80 % or on XX/XX/2022 Ditech would be forced to remove it themselves. In the document I signed and the discussion I had with loan officer that handled my loan there was NEVER a mention of the 2 year seasoning or the 5 year 75 % requirement. Ditech is manipulating the situation to only benefit hem.
Consumer complaint received 2018-05-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

I have filed a complaint to IQ data international last year for they threat me to hurt my credit. ( no one ever send me bill to make any payment and asked me the payment information directly in the phone. I reject to provide them my payment information and their employee threat me to hurt my credit if I don't pay the bill right away. And I still keep the voice record ) The IQ data international send me the response last year XX/XX/XXXX and clearly my case has been marked as dispute. But, I ran my credit last weekend for making purchase of a car and I found that they reported on my credit report. They had not just threat me, but also put in action. I believe that I am not the first one got hurt on credit by this company, and if the government not take control this situation I am will not be the last one be threat and hurt on credit. They have over drive their power. I truly believe that my government should'n allowed any one done such thing to their legal taxpayers.