davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There's an item on my credit that needs to be removed as soon as possible. This item is fraudulent account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this from my report : Company inquiry : XXXX XXXX
Consumer complaint received 2020-05-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: NAVY FEDERAL CREDIT UNION (TX)

On XX/XX/2020 fraudsters, XXXX XXXX and XXXX XXXX were able to access my account and fradulently take out a personal loan in the amount of {$3500.00} and now Navy Federal Credit Union is holding me responsible for paying off that loan.
Consumer complaint received 2020-05-25
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: BAS Receivable Management Inc. (CO)

Original creditor XXXX Colorado XXXX accepteded full payment for the original medical debt that I was not properly notified of. This collection agency reported a 19 interest payment on my credit report after the account was paid in full and to the original creditor and settled as agreed. This is illegal and is impeding my ability to obtain a mortgage. I have attempted to resolve this with XXXX  and Bonded Adjusted Services.
Consumer complaint received 2021-12-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MD)

I received a call from " Paypal Fraud '' department stating that a closed PayPal account was reopened and orders were pending. The email was closed. My US phone number remained the same, and therefore they could reach me. I asked them to cancel all orders as they were fraudulent.
Consumer complaint received 2020-05-18
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. (FL)

To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represent a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents. 
As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off.
Consumer complaint received 2020-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (DC)

I contacted Citibank about my Citi / AAdvantage Platinum Select World EliteTM MasterCard-XXXX to ask for a forbearance of 2 months per CARES ACT. They denied my request even though my account had never been past due, because after my father died, I asked to be put into a fixed payment plan of {$130.00} a month! Their reason is that if in one plan, no assistance would be made available under CARES ACT for Covid19. I called them at least 20 times and sent faxes to only have my payment differed 2 months during this crisis. They called me 47 times in 14 days and threaten to destroy my credit for late payment, ruin my credit score and possible legal action if I didn't pay. I am only 14 days past due! Citibank is taking advantage of dis fortunate and underprivileged people while only allowing CARES ACT protections for those who don't need it.
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

On XX/XX/2023, I began receiving phone calls from a collection agency, which prompted me to do a credit check, where I found a few anomalies on my report.This is out of the norm because I usually pay in cash due to having little to no credit.When I requested a free credit report from the three major bureaus ( XXXX, XXXX, Equifax ) I had no problems with the first two..Equifax on the other hand is giving me a hard time.When I tried to register for an account I was redirected to a error page with a number to call.Their excuse was ; I need to first apply for a loan and a account would automatically be created or send I could send a few documents to them via I'm not understanding this, because their website is stating something different.
Consumer complaint received 2022-07-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (AZ)

TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT As a living breathing man I am aware of my unalienable rights which have been infringed upon.I am stopping all communication through medians other than that through Mail, I am demanding that you stop all collection activities and that includes reporting anything to my consumer report with the consumer reporting agencies, creditor, and debt collectors. In pursuant to 15 USC 1692C ( C ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt I am refusing to pay the alleged debt, and if once again anytime you communicate with me I demand that it must be through mail. I am aware of my open end credit plan as defined in 15 USC 1602, With that being said i am also aware of my credit file and I want to see the transactional history, I want to see my audit trail ( File ) To verify this alleged debt that you are stating me the living person is obligated to pay i demand my audit trail. 

Send everything to the address below, and once again that is the only medium of communication We will continue speaking through. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION (MD)

NAVY FEDERAL DISAPPROVED MY LOAN DUE TO INSUFFICIENT INCOME. 
I JUST OBTAINED A VEHICLE LOAN FOR XXXX IN XX/XX/2019 FROM NAVY FEDERAL. 
I PAID THE LOAN OFF IN XX/XX/XXXX WITH A BACK PAID AMOUNT THAT I RECEIVED FROM VETERANS AFFAIRS. I OWE XXXX IN THE LOAN TO NAVY FEDERAL. 
I REQUESTED AND RECEIVED A LOAN FOR XXXX EMERGENCY FUND IN XX/XX/XXXX. I WAS GOING TO USE IT TO FIX MY ROOF AND THEN I WAS TOLD BY SEVERAL CO THAT I NEED A NEW ROOF ENTIRELY. AMOUNT XXXX. 
I ALSO HAD ISSUES WITH BASEMENT SEVERE LEAKING NEEDED WATERPROOFING XXXX - XXXX. 
I APPLIED FOR A LOAN TO BE PAID OFF IN 36 MONTHS. 
I MAKE XXXX A YEAR. 
I DO NOT HAVE ANY OUTSTANDING DEBT. 
I BELIEVE NAVY FEDERAL DISAPPROVED ME OUT OF RETALIATION FROM FILING AN ISSUE ABOUT MY CREDIT CARD REPORTING.
Consumer complaint received 2022-07-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Executive Credit Management, Inc (SC)

On XX/XX/2022, I send a debt validation letter to Executive Credit Management in reference to a debt that is not mine. I sent the letter certified mail confirmation number XXXX XXXX XXXX XXXX XXXX. According to the USPS, the company received and signed the for the certified letter on XX/XX/2022 at XXXX : XXXX am the letters was delievered and signed. But the collection agency Never responded to my request for information. The debt is not mine at all. 

According to 15 USC 1681- it is illegal for a collection to have my personal information. It is a violation of my right fo privacy.

According to 15 USC 1692 B ( 2 ) it is violation for a collection to state a consumer owes a debt.
Consumer complaint received 2022-07-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Eight XXXX transactions were unauthorized by me, but transferred out of my account without me knowing, leaving it almost completely drained. The total amount is {$5800.00}! I'm XXXX XXXX XXXX and this is money I've saved over the last 3 1/2 years working part-time. I was in my last weeks of XXXX &XX/XX/XXXXduring this time and was not in my bank account so I didn't notice this was going on until I received an alert that my account balance was low. I never received a call from the bank 's fraud department questioning these transactions ( which are not in my spending pattern ) or a hold was not even put on my account. My account since has been closed so I had to redirect my current direct deposits from my job to my mom 's account until this is resolved. The transactions are as follows with the names of the individuals : XX/XX/XXXX - {$100.00} - XXXX XX/XX/XXXX - {$250.00} - XXXX XX/XX/XXXX - {$500.00} - XXXX XX/XX/XXXX - {$1000.00} - XXXX XX/XX/XXXX - {$1000.00} - XXXX XX/XX/XXXX - {$1500.00} - XXXX XX/XX/XXXX - {$1000.00} - Noble XX/XX/XXXX - {$500.00} - XX/XX/XXXX I filed a claim with Bank of America on XX/XX/XXXX and they denied it on XX/XX/XXXX in a letter I received by e-mail. My mom and I called and they said to get our wireless phone company records to prove that I didn't send texts authorizing codes for these transactions. We called XXXX and they said there were suspicious texts received in the middle of the night on XX/XX/XXXX from an invalid looking number. We faxed Bank of America these text messages records and a letter explaining everything attached to it. I received an e-mailed letter on XX/XX/XXXX denying my claim again! This is so very frustrating because it's obvious I did not do this... draining my account within 2 weeks through XXXX transactions from the money I've saved gradually over 3 1/2 years!! I need help getting this money back from Bank of America because it's my rights through Regulation E protection. Thank you!
Consumer complaint received 2022-07-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (VA)

On XX/XX/22, I contacted Caliber Home Loans to initiate the process of having my home appraised with the goal of cancelling PMI due to the substantial increase in my home 's value. The Caliber associate I spoke with stated that I would likely not succeed in this process because of " investor requirements '' concerning cancellation of PMI. Specifically, the associate stated that the investor for my loan is XXXX XXXX, which requires a 2 year payment history before cancellation can be requested ( absent substantial improvements to the property ). However, the CFPB website states the following : " Loan investors, including XXXX XXXX and XXXX XXXX, often create their own PMI cancellation guidelines that may include PMI cancellation provisions beyond what the HPA provides. But these guidelines can not restrict the rights that the HPA provides to borrowers. For example, the HPA does not contain any requirements for a loans tenure before a borrower may request cancellation or be eligible for automatic PMI termination ( known as a seasoning requirement ). '' I believe that the 2 year payment history restriction represents an infringement of my rights under the HPA.
Consumer complaint received 2022-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

( In accordance with the Fair Credit Reporting act the following companies have violated my rights. ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT # XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT # XXXX ) ( 15 U.S.C 1681 section 602 A. States I hape 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 )
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

In XXXX, I had taken out a payday loan with XXXX XXXX  XXXX. It has always been a soft inquiry on a credit report and they tell you that it will only be a soft inquiry. 
In XX/XX/XXXX, I had applied for a credit card and was denied because of to many inquiries on my TransUnion report. After looking into it, I found out that I had two hard inquiries from Check Into Cash from XXXX, one in XXXX and one in XXXX. 
In XX/XX/XXXX, I went to the store, and was needing to do it again. I asked the ladies at the store about the hard inquires and they insisted that it should never be a hard inquiry and that some other people were having issues with this also. After taking out the loan, I got a notification about an inquiry on my report. Sure enough, it was a third hard inquiry from XXXX XXXXXXXX XXXX. 
When I went in to pay off the loan, the lady said that she had spoke with her boss and any problem on the credit report was on Transunion 's end. I contacted TU and they wanted a letter from XXXX XXXXXXXX XXXX stating the inquiries should not be hard. XXXX XXXX XXXX sent a letter about the XX/XX/XXXX inquiry, but not the other two. XX/XX/XXXX has now gone off but the other two still remain on there.

This has had a negative impact on my credit score for the last two years, and I would like to get this issue resolved for me and anyone else that this has affected. 
Thanks
Consumer complaint received 2022-07-05
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (NC)

An account was fraudulently created in my name, in Texas, on XX/XX/XXXX. I wasn't even in the country at the time, and I don't live in Texas anyway. The account is through Comenity Bank. I have tried to contact them directly, but their call center is offline, you can not get through to an agent. 
I added a fraud alert to my credit reports, and froze one ( working on the others ). The agent at XXXX also stated that they would be in contact with Comenity. 
Today I received a card in the mail for XXXX 's, which is also issued through Comenity. 
I think that there are serious problems at Comenity, that they are issuing cards like crazy for all stores that use them, without any subsequent credit checks. My credit reports only showed one credit check from Comenity, but now there are 2 accounts, and probably more coming, backed by this scam of a " bank ''. 
I am XXXX XXXX XXXX, this is incredibly stressful for me, my husband of XX/XX/XXXXyears just died in XXXX. Please help, report this to the FBI and whatever else you can do.
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

On XX/XX/2022, I requested an investigation into some accounts on my credit profile that did not look accurate. I noticed some accounts showed I owed a balance while others said I had late payments. I know that in order for the bureaus to be compliant with the FCRA, they have to be able to provide supporting documentation for each entry on my credit profile. Once the request was submitted, I waited the 30 days to give them time to respond to my request, but no verifying documents were provided to me and the accounts remained. 

I requested a re-investigation on XX/XX/2022, and the items were still left of my credit profile, with no supporting documents, after the 30 day period. At this point, Equifax, XXXX, and XXXX are in violation of the FCRA. 

The accounts in question are listed below. 

XXXX XXXX Account XXXX : XXXX Document showing the amount owed was not provided. 

XXXX Account XXXX : XXXX This was a pay per delete agreement. Why is this still reporting on my profile? 

XXXX Account XXXX : XXXX Document showing the amount owed was not provided. 

XXXX Account XXXX : XXXX Document showing the amount owed was not provided. 

XXXX Account Number : XXXX Payment history showing late payments was not provided No Name Account Account Number : XXXX This account does not have the name of the company that say I owe them. Incomplete account. How is this verified?
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2022, I requested an investigation into some accounts on my credit profile that did not look accurate. I noticed some accounts showed I owed a balance while others said I had late payments. I know that in order for the bureaus to be compliant with the FCRA, they have to be able to provide supporting documentation for each entry on my credit profile. Once the request was submitted, I waited the 30 days to give them time to respond to my request, but no verifying documents were provided to me and the accounts remained. 

I requested a re-investigation on XX/XX/2022, and the items were still left of my credit profile, with no supporting documents, after the 30 day period. At this point, XXXX, TransUnion, and XXXX are in violation of the FCRA. 

The accounts in question are listed below. 

XXXX XXXX Account XXXX : XXXX Document showing the amount owed was not provided. 

XXXX Account XXXX : XXXX This was a pay per delete agreement. Why is this still reporting on my profile? 

XXXX Account XXXX : XXXX Document showing the amount owed was not provided. 

XXXX Account XXXX : XXXX Document showing the amount owed was not provided. 

XXXX Account Number : XXXX Payment history showing late payments was not provided No Name Account Account Number : XXXX This account does not have the name of the company that say I owe them. Incomplete account. How is this verified?
Consumer complaint received 2022-07-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (MA)

THIS COMPLAINT IS FOR CRYPTO.COM. THIS PROBLEM HAS BEEN GOING ON SINCE XX/XX/XXXXXXXX XXXX XXXX  XXXX I NOTICED THAT MY ACCOUNT DOES NOT LOOK CORRECT, MOST OF MY INFO WAS GREYED OUT AND I COULD NOT ACCESS MOST OF MY ACCOUNT INCLUDING CUSTOMER SERVICE. FEW DAYS LATER MY BITCOIN VANISHED. 

CRYPTO.COM HAS HAD SOME BREACHES AND HACKS WHERE PEOPLE HAVE LOST MILLIONS OF DOLLARS. I TRIED TO CONTACT CUSTOMER SERVICE IT TOOK THEM SOMEWHAT 4 DAYS TO GET BACK TO ME AND PRETTY MUCH ASKING ME TO REPEAT MYSELF, I REPLIED AND THEY JUST IGNORED ME. MY BANK HAS BEEN TRYING TO HELP GET BACK MY FUNDS AND CRYPTO.COM HAS CAUSED MUCH PROBLEM. I WENT TO THE LAW ENFORCEMENT AND FILED A REPORT. OFFICER XXXX REACHED OUT TO CRYPTO.COM AND THEY JUST IGNORED HIM. OFFICER XXXX HAS STATED THIS IN HIS REPORT. I EVEN SENT OVER THE REPORT TO CRYPTO.COM AND THEY JUST DOING NOTHING. THEY CLEARLY ARE HOPING THAT I WOULD JUST GO AWAY BUT I AM NOT AND WANT MY MONEY BACK. CRYPTO.COM CAN RETURN MY FUNDS BACK TO MY BANK OR THEY CAN RETURN THE FUNDS TO MY ACCOUNT SO I CAN WITHDRAW THEM. A TOTAL OF XXXX. BELOW ARE THE TRANSACTIONS AND DATES. CRYPTO.COM HAS A PROGRAM TO REIMBURSE VICTIMS LIKE ME BUT THEY ARE NOT DOING THE RIGHT THING AND HOPING I WOULD JUST GO AWAY. 

XX/XX/XXXX : {$5800.00} XX/XX/XXXX : {$790.00} XX/XX/XXXX : XXXX XX/XX/XXXX : {$800.00} I WILL ALSO BE FILING COMPLAINTS WITH THE SECTARY STATES OFFICE AND STATE ATTORNEYS OFFICE TOGETHER WITH SEC SECURITIES OFFICE. AND IF NEED BE, I WILL ALSO FILE A COURT CASE. THIS HAS GONE TO FAR AND CRYPTO.COM NEED TO CORRECT THIS.
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (NY)

The following late payments are billing errors pursuant to 15 USC 1666b.

Under the GLB Act of 1999 nonpublic information such as late payments shouldn't be disclosed to any non affiliated third party such as credit reporting agency without my lawful consent 15 u.s.c 6802 --
Consumer complaint received 2020-05-25
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I saw my recent credit report that I have late payments on my history with this account which I think I am not late at all. 
CAPITAL ONE XX/XX/XXXX - XX/XX/XXXX XXXX
Consumer complaint received 2019-02-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recover of XXXX, VA keeps calling my cell phone XXXX XXXX XXXX repeatedly and they should not be contacted my cell phone to collect a debt. They do not leave a message and call from various phone numbers with different area codes. I would like this practice to cease at the earliest.