davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-14
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: AES/PHEAA (PA)

On XX/XX/XXXX I submitted a dispute to XXXX  that AES ( student loan lender ) was incorrectly reporting late entries on a CLOSED account. As per AES 's own records, the account in question ( ending XXXX ) was closed on XX/XX/XXXX. However, my Account History with Status Codes ( aka payment history ) shows 13 entries of late payments beginning in XXXX through XX/XX/XXXX. I have contacted the lender and they are investigating the issue. XXXX  reports, " We have verified that this item has been reported correctly '' when the creditor, AES, reports they show ZERO late entries and have no idea why XXXX  report says I've been late. I've had equally frustrating experiences with all three major credit bureaus wherein their " investigation '' is simply a regurgitation of a creditor stating " everything is correct ''. Consumers have the right to review the data provided that supports this assertion. I can not possibly be late three years after an account was CLOSED. The lack of even common sense being applied to data that impacts your life so severely is beyond concerning. Scores determine homeowner ownership, the ability to purchase a vehicle and so many other major life decisions. It is a travesty that the bureaus are allowed to operate with such little regard to reviewing and investigating the data they report.
Consumer complaint received 2021-04-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (MD)

I reached out to the company to see if I can apply for the forbearance plan. They told me that I have 2 send my 2 most recent pay stubs and my bank statements. I ask them why I need it to do all that when I have friends and family members where they helped them without any hassle. I have a second mortgage and they did help me twice without the need of my pay stubs or bank statements. They send me a copy with pictures of my home and houses around the area of what they are worth. I called them and asked them what this was about and I felt like I did not get a correct answer. I feel like that's kind off creepy and weird of them doing that. I feel like they are trying to intimidate me on foreclosuring my house. I have reached out to my case XXXX and have not heard from him.
Consumer complaint received 2021-01-25
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (TX)

this complaint is for the USBANK RELIACARD, They have repeatedly locked my card restricting access to my funds, i have turn in all necessary documents that was requested several times, I have copies of proof of me emailing, faxing, uploading documents ... I call there everyday begging them to release me funds what more do they want, all this over Me calling in a dispute because I had my information stolen my unemployment money while I was incarcerated. Expecting that money theyre part of my release it wasnt so I filed a dispute and they reimburse me my money immediately froze the account restricted my card access asking me to identify myself through the portals On their website fax number Or upload through the mobile app since XX/XX/XXXX I have done that literally 26 times .I have called 2 to 3 times a day every day since Ive been lied to I have been misinformed its so bad that the person who stole my information and my money their number is still associated with the account because they cant remove the restriction in order to update the numbers so the criminal is still getting alerts about my money And theyre asking me to identify myself which Ive done a really stupid amount of times for them to tell me that they couldnt receive they didnt receive my message are they didnt get my verification I mean I have confirmation numbers Ive documented literally every call every second every person I spoke with somebody please help child support is due XXXX got kicked out of my place Ill slip in the snow and I have no money unemployment and they reported my address changed, these people been blocking my card every since. I sent my ID, SOCIAL, LEASE, TAX RETURN, They claim they are not receiving my selfie that they request me to take Ive take several times on there website. As of now my children and I are in the dark because i cant get my funds off my card and pay my bills. please help
Consumer complaint received 2020-09-14
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2800.00}, {$14000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.
Consumer complaint received 2021-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (FL)

My card was stolen and use to make withdrawals and also someone made unauthorized transactions on my account from a different state and left me completely broke. And I am so depressed due to this issue. I reported it to my bank and they havent done anything about the situation
Consumer complaint received 2021-02-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (CA)

On XX/XX/2021 I initiated a deposit of {$600.00} into my Robinhood account. They restricted certain investments and I decided to transfer my stocks and currency to XXXX. I initiated a transfer and so Robinhood sold my partial stocks and deactivated my account. I have heard nothing further from them and have not gotten my money back nor have my current holding been transferred over.
Consumer complaint received 2021-11-03
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. (NC)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2020-09-13
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: Selene Holdings LLC (FL)

I settled my mortgage dispute with Selene a year or so ago and as part of the agreement which I will include with Selene was supposed to notify the credit agencies to remove the entries to my credit report, that no entry from Selene should exist on my report. I paid them the settle amount of around {$80000.00} but they did not abide by the agreement as the entry is still on my credit report. I attempted to have this resolved last year and it still has not been resolved and has thus far lead to several adverse credit situations. 

XXXX  also would not let me dispute this again since I had disputed it previously, in other words, just making the situation worse by not removing it the first time! XXXX XXXX system would not allow me to access my report where I'm just assuming the entry also exists. The issue is currently in dispute with XXXX.
Consumer complaint received 2020-12-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Coinbase, Inc. (CA)

As of XXXX XXXX. XXXX, have not been able to login to my Coinbase account and the company is not responding to my requests for assistance. I did receive the reply below back on XX/XX/XXXX, but noting other than an automated response since. I find this greatly disturbing for a financial services provider. 

I have approx. {$2500.00} in there and currently am in dire need of it. 



Hello XXXX, We received your inquiry, and because you've previously written in about this same issue, we're consolidating your cases into this email thread. We've passed all new information on to an account specialist who is reviewing your case they'll reach out to you here ( review generally takes 4-5 business days ). 

All future questions about this issue should be directed to this email thread so that our account specialist can better support you. 

Thanks, Coinbase Support -- -- -- -- -- -- -- - Original Message -- -- -- -- -- -- -- - From : Coinbase Support [ XXXX ] Sent : XX/XX/XXXX XXXX XXXX To : XXXX Subject : [ Reply ] Case # XXXX - AUTHENTICATOR XXXX
Consumer complaint received 2020-09-13
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: EMCC Holdings, LLC (CA)

Due to the Pandemic EQUIANT FINANCIAL SVCS starting reporting a late payment that I since been on time. 

EQUIANT FINANCIAL SVCS never reported on my credit before the Pandemic in which I was blindsided nor warned they were going to do so in order for me to correct any problem. 

Now for Some reason they are reporting negative history on my account that is affecting my score. 

I'm current and baffled why are they reporting on my credit file after my initial dispute they removed it. 

This is a mistake and I need it removed immediately.
Consumer complaint received 2020-09-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Perfection Collection (TN)

Today I received an alert from my credit monitoring service that this collection agency has reported that I owe them money for an alleged debt. I have never done business with this company. I have never received any correspondence from this company notifying at all prior to taking this audacious act to defame me and negatively impact me financially not to mention defaming my name without due process.
Consumer complaint received 2021-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX my bill for account SYNCB/LOWES ( opened XXXX. XXXX, XXXX ) did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2020-12-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (PA)

Created account successfully, was never able to link my bank account. Coinbase systems unable to link to XXXX. Contacted support to ask why, and how long this would be an issue for ( on XX/XX/XXXX ). Never heard back from this, so eventually submitted a formal complain through the form on the coinbase site. That was on XX/XX/XXXX. Have not heard anything back from coinbase still. Also tried contacting their support account on XXXX via tweet and DM. No response.
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Big Picture Loans, LLC (FL)

my credit report shows a debt in collections from a peppercash.com. A payday loan that i never applied for, nor recieved any money from. This is a known payday loan scam ( tribal ). The amount is for {$800.00} and shows as a negative collection on all of my credit reports. I have contacted the original debtor, whom offered no assistance, unless i gave them my privite social security number to look up the original loan details, which i refused to provide. peppercash   telephone agent could not look up any details of loan and instructed me to reply with inquiry to the following email. 

XXXX upon investigating, i have. discovered that this is a known company & scam. Please accept my report/claim, and assist me in getting this fruadulent loan removed from my credit reports. 

Red Rock Lending www.peppercash.com Big Picture Loans
Consumer complaint received 2020-07-16
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. (FL)

Im reporting fraud on my credit report. 
XXXX XXXX XXXX  is the account And the amount is : {$120.00} This is not My account and was opened not under my consent. It needs to be removed from my account immediately.
Consumer complaint received 2021-04-07
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: Credit Plus Inc (TX)

XXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account RemoveXXXX XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit frca violaitons
Consumer complaint received 2020-12-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (NC)

I tookna look at my report and there they were. A Unknow company named HARRIS & HARRIS, I was puzzled because of where they were located. The credit report had no phone number or account number i XXXX them address match. I called them i inquired about this unknow debt. I gave him my information they did not have me in their system by name ss phone address nothing. I asked the man how was it they were on my credit report he did not have a answer. He appologised asked me to call the credit bureau to get it deleted. XXXX sgould not allow some strange company to put a debt onnmy report with no due process i never eecieved a letter from them accusing me. I never got my 30 days to rebutt, thats unlawful. They are attorneys they should know about due process. When they buy these fraudulent fake debts they figure due process doesnt apply when trying to get paid. I got news, i want all the protections the law allots me. I do not consent and i want this resolved asap or i will seek remedies that has been put in place to protect us from predators like HARRIS AND HARRIS AND ENABLERS LIKE XXXX. Violating the privacy act, FCRA, FDCPA. I never signed a hipaa release form for any 3rd party to see my medical records. This fraud inaccurate False so called debt is hurting me my family in a pandemic. Send me the contract i signed with you consenting to doing business with you. No contract no debt.Delete this off my report within 30 days per the FCRA
Consumer complaint received 2020-09-14
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. (NV)

There is an incorrect " Collection '' on my credit report from XXXX XXXX collection agency, that has reappeared AGAIN dating back to XXXX. 

XXXX  had REMOVED the " collection '' stating that it had been paid by insurance ( XXXX ). And XXXX  REMOVED the collection after they found out it had been paid by INSURANCE. 

XXXX XXXX said it had been reported to collections -- there was nothing they could do. 
I contacted XXXX on XX/XX/XXXX and EQUIFAX to get this removed. BOTH companies refused to remove it even though it had been paid by INSURANCE. ( DOCUMENTS ATTACHED ). 
I even showed them that XXXX  and XXXX had investigated and REMOVED the " collection. '' The insurance, XXXX, had issued a letter stating that it was an invalid debt, after I had requested an investigation in XXXX. ( Letter Attached, page 2 ) I told XXXX that this was an incorrect /invalid charge that had been paid by my insurance in XXXX. XXXX refused to remove it. EQUIFAX also refused to remove it. 
XXXX XXXX stated 2 DIFFERENT AMOUNTS -- $ XXXX and also XXXX for the SAME INCIDENT. 
** ATTACHED DOCUMENTS INCLUDE MY PERSONAL/PRIVATE INFORMATION. PLEASE DO NOT PUBLISH.
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I was enrolled in XXXX XXXX. Fraud was legally discovered and the debt forgiven. The credit bureaus and the XXXX XXXX XXXX XXXX have refused to delete this information from my credit and are reporting the debt as a collection regardless of the fact that I have provided all of the documentation proving the forgiveness. This is causing my family unbelievable hardship. Please help me correct this once and for all.
Consumer complaint received 2020-07-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (CO)

I am writing this letter to document my verbal conversation with Flagstar Bank on Thursday XX/XX/XXXX and their customer service department. I was told that I had broken the loan modification terms for failure to communicate with Flagstar. 

The statement was made that FSB was trying to discuss with me the reason for my mother in law, XXXX XXXX being on title with my husband, XXXX XXXX and I and her failure to complete any paperwork for the modification. 

I explained that I had indeed tried to communicate with them last month when I was told verbally that there was a question regarding the title. 

In fact I was told in XXXX of XXXX, via a phone call that I made to FSB to check the status of my modification that XXXX, either a loan underwriter or supervisor needed to discuss with me the situation stated above in regards to my mother in law and title. 

I even confirmed the phone number for XXXX of XXXX and explained that I had returned her phone call and had left at least 2 messages that I can recall although there may have been more and that prior to the initial call in XXXX I was told that my loan was approved and all that was needed was a assignment of release from the previous servicer, XXXX XXXX XXXX, XXXX, XXXX. The assignment was completed and recorded on XX/XX/XXXX. I have attached the recording information. I also called again on Friday XX/XX/XXXX and left a message for XXXX. 

The original modification was set to be completed in XX/XX/2020 and since this time I have called, emailed and continued to ask when this would be made permanent and had been assured several times that the loan was approved and the assignment from XXXX/XXXX was all that was needed. I even contacted the attorney for XXXX XXXX XXXXFlagstar Bank and was told that they were dismissing the court case and that my file was still on hold for loss mitigation. A copy of that email is attached as well. 

As to date I still do not know the reason for the modification being rejected or if it has even truly been rejected., although my most recent mortgage statement suggests that it has. 

I have attached the following documentation for review : Assignment recording information Email from XXXX Previous mortgage statements Documentation of all payments being made In closing my XXXX payment will be made the same as the previous payments via phone with customer service and XXXX XXXX XXXX on XX/XX/XXXX. 

Please email your correspondence as it is much quicker than regular mail and phone calls do not seem to perpetuate any results.
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Penn Credit Corporation (PA)

A Dept collection company '' Penn Credit Corp '' has reported a dept to the leading Credit Agencies. 
I am in agreement that I owe money on a Medical Hospital bill. The amount reported is greatly over reported. They attempted to " Balance Bill '' above and beyond what they received from their contracted agreed prices for medical services-in- network. ( Which is illegal to attempt to collect additional money above and over Contracted Agreed rates and Balance bill. 
*** ( Most importantly they have reported the Hospital collection debt..which was one Total sum of money. From one Hospital. To all three Credit Agencies and fraudulently reported this a total of ** ( 9 ) **  individual times all dated the same and debt. Not one time, Nine Times over!! 
This credit reporting incidence decreased my Credit history so very Negitively - 9x.Greater. This caused a catastrophic reduction in my Credit Scores. 
Which I have suffered greatly for several years. And have been unable to resolve. 
I believe it is highly illegal to report a single debt more than one time. Not as many time as they want. That averages about- 25 to 45 points x 9 times. Drop in score of approx -negitive 450 point. From one collection company. 
Any help would be appreciated
Consumer complaint received 2020-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (DC)

I called PNC and talked to customer service after a hold was placed on my account. I was told there was no hold and I should be able to move my money to my other bank account. Not only was the hold still there, my account was relieved of access to the transfer function at all. I called back, was quickly put in touch with someone, and then put on hold after explaining my problem. I never heard from anyone again. After multiple angry voicemails, I am ready to close my account. They will not let me even add them to XXXX XXXX to transfer my money. Nobody can tell me why they are withholding my funds.