davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Unable to access my credit report due to a phone number being on account want allow me to pass two step verification. I have contacted technical support and customer service team and unsuccessful with getting anyone online to assist. Also, unable to process a dispute because Im not able to pass the two step verification process.
Consumer complaint received 2022-06-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paypal Holdings, Inc (TN)

My sister accidentally sent money to an old Venmo account of mine when trying to send it somewhere else. We contacted Venmo and they refuse to reverse the transaction saying I owe them money for a failed payment that should have never been made. Never did I receive a notice regarding the failed payment and they paid it basically making me responsible for something that shouldnt have gone through. Now, my sister is trying to get her money back and she cant because the collections department refuses to give her money back.
Consumer complaint received 2021-10-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

Crypto exchange Coinbase has my account under a review since XX/XX/XXXX and that means that all the crypto that I hadn't yet removed from my Coinbase account is frozen now. 

I haven't been able to reach a single human being and get an answer, even after contacting the support email for more than 10 times as well as failing complaint with the company. 

On top of freezing my crypto with no warning ( as promised in their terms of use ) the company is ignoring my demand to release my customer data. 

They also state that account reviews take a couple of days when I have been waiting for 88 days. 

I suspect that they are locking people out randomly to boost the money pool on the platform and that would be illegal as I never gave my consent for them to borrow my money. 

There is an ocean of complaints from other users across the internet who were also locked out of their accounts with no reason or notice. 
Please look in to this, Coinbase is dong something very, very sketchy. 

Sincerey, Never trust Coinbase with your money! 
I hope CPFB can hep me..
Consumer complaint received 2020-07-02
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: Experian Information Solutions Inc. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name AS SOON AS POSSIBLE.
Consumer complaint received 2020-07-02
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name AS SOON AS POSSIBLE.
Consumer complaint received 2020-07-02
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: Experian Information Solutions Inc. (TX)

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Consumer complaint received 2020-07-02
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. (TX)

XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute all file to the ftc violations that occurred
Consumer complaint received 2020-07-02
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. (MS)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mines. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.
Consumer complaint received 2020-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (CO)

Wayfair Comenity Bank offers promotional financing with 0 percent interest for 12 months. I recently made a payment to satisfy the outstanding balance on one of these offers in addition to my regular monthly payment. When i looked at my account in the new billing cycle, the payment was not posted to my account and instead was applied to my other revolving balance. When I contacted Comenity, I was informed that the payment had been applied to my highest apr balance, and therefore not to my promotional balance. The account summary on the website is as follows : Promotional Plans Plan 406 - 2 6 MONTHS DEFERRED INTEREST, PAYMENT REQUIRED Remaining Balance {$220.00} Expiration Date XX/XX/2020 To avoid additional finance charges, make sure to pay each promotional plans remaining balance before its expiration date. 

I made the {$220.00} payment to the account in addition to my regular monthly payment per my statement. The {$220.00} was not applied to this balance. It was applied to my outstanding balance at the highest apr. How misleading. When i called the representative said she would have to make sure that our minimum payments had been met before she could move the balance I asked if I made a payment toward the next plan if it would apply when i also made the minimum payment. She said she was unsure and that i would have to call after the billing cycle to see how it was applied. Her best recommendation was to look at my credit card agreement. Other similar accounts at XXXX XXXX  are handled fairly. This seems like a highly deceptive practice. Basically, the bank is counting on you not paying any attention. 

I also reviewed my latest billing statement. It also has lots of details on the promotional plan and many disclosures, however, no mention of this payment disbursement practice. 


Thank you, XXXX XXXX XXXX : I have include
Consumer complaint received 2020-07-02
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: Experian Information Solutions Inc. (AR)

I HAVE SEVERAL ITEMS ON MY CREDIT REPORT THAT ARE NOT MINE. I NOTICED IT BCAUSE I RECENTLY APPLIED FOR A CREDIT CARD AND I WASNT APPROVED SO IT PROMT ME TO CHECK MY CREDIT REPORT. THESE ITEMS LISTED ARE NOT MINE AN DNED TO BE DELETED FROM MY CREDIT REPORT. XXXX  XXXX {$850.00} XXXX XXXX {$490.00}
Consumer complaint received 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: NAVY FEDERAL CREDIT UNION (LA)

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an issue I am experiencing with Navy Federal Credit Union ( NFCU ) regarding their frequent and unsolicited credit limit increases on my credit card account, which is in good standing. 

While I understand that some financial institutions periodically adjust credit limits based on account activity, the frequency with which Navy Federal has increased my credit limit has become a concern. Despite my responsible credit management and the account being in good standing, these increases occur without any request or notification, putting me in a difficult position when it comes to managing my credit utilization and overall financial planning.

I believe the onus should be on Navy Federal to provide transparency and justification for such frequent changes, as they impact both my credit score and my ability to manage credit responsibly. The lack of clear communication surrounding these increases also raises concerns about the alignment of Navy Federals policies with fair lending and credit practices. 

I respectfully request the Consumer Financial Protection Bureau to review this matter, as I believe customers should have more control over their credit limits and be informed in advance of any changes that could affect their financial standing. I would appreciate any guidance or assistance you can provide in resolving this situation. 

Thank you for your time and consideration.
Consumer complaint received 2022-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (NV)

Called XXXX on XX/XX/XXXX when debt was originally discovered advised to send in copy of DL and other ID docs. Sent in XXXX called and advised debt had been sold to Jefferson Capital to contact them. Advised Jefferson Capital debt was not mine and this had already been determined by XXXX - debt was previously removed from my credit but reappeared as opened in XX/XX/XXXX -called Jefferson Capital and they indicated original debt was bought in XXXX Credit shows this company despite receiving info that this is not my account is reporting the debit as recently opened on my credit reports.
Consumer complaint received 2020-07-02
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. (FL)

I have sent numerous letters to Experian regarding the inaccuracy being reported under my XXXX XXXX account. What doesn't make sense is that IF the data furnisher is reporting this accurately for XXXX and XXXX, why isn't is being reported accurately for Experian. Also, after providing proof, Experian still hasn't done anything about it as per their obligation. The payment status is WRONG. The status should be Current as it was not late when the account was closed.

Also, XXXX has not addressed my complaint regarding my XXXX XXXX ( XXXX XXXX ). I challenged the account and Experian and XXXX removed it, but XXXX did not. How is it that the same account was challenged and resulted in different outcomes IF the account was investigated by the same data furnisher?
Consumer complaint received 2021-03-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion removed two of my credit accounts that were not advised to. I tried to call and get a resolution, all three persons lied to the reason why. One person was a supervisor. they only provided their first name. non would provide ther employee id for verification. I had the company on my phone to ask about the issue. They have not received calls back from their contact at Transunion, nor will anyone give accurate information. bot my credit accounts with XXXX XXXX and  XXXX finance are up to date and are open accounts. both have been reporting to Transunion and XXXX  for a year. There is no issue with XXXX, so im not sure why they removed these positive accounts from my credit report. When i asked them to let me speak to another dept or someone higher up, they said there is no one else but customer svc and marketing. which i know is an untrue statement. Transunion refuses to fix the issue. They removed any account from jewelers, new coast direct, and ncd. they are all legitimate companies for credit building. I'm in the process of buying a home and one account was removed XX/XX/21 the other XX/XX/21. The vendors are doing an investigation, but Transunion is refusing to provide any information. Can you help us?
Consumer complaint received 2020-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC ()

I previously submitted claim XXXX, but there is more information that I need to add than what I dictated over the phone. 

I had a mortgage with XXXX. When they went out of business I had no correspondence informing me of who had the mortgage. After calling several companies I stubbed across a tax document and found shellpoint mortgage servicing and called them and found out they held my mortgage. My initial call to them was the XXXX of XXXX. I spoke to a lady in customer service who took a telephone payment for 1 month of mortgage and told me to email XXXX XXXX, not proving a reason why. I emailed him ( email attached ) with no reply. I had charges of over {$9000.00} and legal fees. I did not want to pay any fees that I did not understand. I also had an escrow account set up that I did not authorize. 

I was able to create a shellpoint account and made a 2nd payment the XXXX of XXXX. I also wanted to start direct debits. In XXXX, I noticed I still didn't have a direct debit so I tried to log onto their website on multiple occasions and it didn't work. I called back to Shellpoint customer services on the XXXX of XXXX and made another payment over the phone. 

I called again the XXXX of XXXX because I was still struggling to use the online site, still did not understand the escrow or legal fees and I wanted to pay off some principal on the mortgage. At this point I was informed that my mortgage was in foreclosure which came as a total shock. Prior to Shellpoint picking it up, I held it with no issues since XXXX. 

The only correspondence I received from Shellpoint by mail was a statement dated XX/XX/XXXX. The fees were still not laid out or explained. 
I have since looked at the XXXX reviews and see a lot of other customers have faced the same issues. 

The people I speak to at Shellpoint are always friendly but I am not in a serious issue and feeling very distressed and I have received no real help from them and have no resolution.
Consumer complaint received 2021-10-25
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: M&T BANK CORPORATION (WA)

Regular Inquiries on my XXXX and XXXX credit report. 

I called both companies and they said i had to report through this website. 

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 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 2020-07-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

After pulling my credit reports, I noticed an account listed as Portfolio Recovery that I was not familiar with. On XX/XX/XXXX, I drafted letters to all 3 credit bureaus asking them to verify that this account did in fact belong to me as I have had several accounts listed on my credit report that did not belong to me. In this request, I have asked to provide proof that this account did in fact belong to me per my rights as a consumer. I have received correspondence from XXXX  and XXXX  that the account had been " validated '' and " updated ''. On XX/XX/XXXX, I then sent another letter to all 3 credit bureaus asking them to provide their method of " validation '' and to provide proof, I also sent a request to Portfolio Recovery as well to verify that this account did in fact belong to me. I received responses again that the accounts have been " validated '' and " Updated '' I also received letters in the mail from Portfolio Recovery dated XXXX that they took over this account and a copy of a bill. Both were addressed to a address that does not belong to me. Additionally, this document only verify that an account exists, and does not verify that this account belongs to me. On XX/XX/XXXX, I sent certified letters requesting proper verification of this account. Again, I received the same correspondence from the credit bureaus and the same exact letter from Portfolio Recovery. On XX/XX/XXXX I mailed yet another certified letter requesting proper investigation, proper documentation that verifies this account belongs to me and I received a note back from XXXX  dated XX/XX/XXXX that this account has been " validated '' and " Updated ''. It appears that they are simply " validating '' and " updating '' the record with monthly updates from Portfolio Recovery. To date, they have not done a proper investigation, or provided any proof that this account does in fact belong to me and have violated my rights as a consumer.
Consumer complaint received 2020-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Myself as prospective borrower engaged in a rate lock in late XXXX with lender Bank of America in effort to hedge against potential rate increase for closing date scheduled in late XX/XX/XXXX. In reference to the Float Down Addendum enclosed within the Agreement, which was valid between XX/XX/XXXX and XX/XX/XXXX, the Agreement clearly states, If market interest rates improve within 60 calendar days prior to the original requested closing date ( Float Down Option term opens ), you may exercise a one-time float down to lower the interest rate ( Float Down Option ). '' To lock this agreement I complied with an upfront payment of {$1900.00}. 


On XX/XX/XXXX as potential borrow engaged my lender XXXX XXXX at Bank of America to execute my float down to market rate which was at ~3.0 % at the time. This request was denied On XX/XX/XXXX I requested escalation to his manager XXXX XXXX who ignored all communications On XX/XX/XXXX my lawyer sent a formal request for the {$1900.00} to be returned on grounds that Bank of America had not acted in good faith and has not adhered to the terms of the Agreement
Consumer complaint received 2020-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I receive error message when using my credit card at retailers. When I slide my card the message says notify cashier. I have reported it to Bank of America but have not received a response. This was 2 months ago. They sent me an email stating someone would call me and they did. When I returned the call it went to voice mail. That's where I am now.
Consumer complaint received 2021-07-07
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: AMERICAN EXPRESS COMPANY (IL)

I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Consumer complaint received 2022-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (AZ)

On XXXX I requested a refund of payments made toward my student loans during the COVID payment pause. At that time I was quoted up to 6 weeks. Once that timeline did not come to fruition I submitted a CFPB complaint wherein I received the response pasted at the bottom. This response stated that the timeline was now slated as the timeframe after balance adjustment occurs has since been increased to four to eight weeks. The total timeframe for a refund is 10 to 14 weeks. 

XX/XX/XXXX marked eight weeks and today, XX/XX/XXXX marks ten weeks, yet my balance on AidVantage still has yet to be updated indicating again, my refund has not been sent for processing. With total time for a refund quoted as 10 to 14 weeks Id like an update. My account is two weeks past the quoted deadline for my account balance to be updated on AidVantage therefore ultimately delaying my refund past the 10 to 14 weeks timeframe stated in the AidVantage response to my original complaint. 

AidVantage is giving me the run around and mismanaging my finances. I would receive a late fee if I paid late, yet any answer they give me in regards to receiving my refund is supposed to be sufficient. AidVantage is negligent in their processing. 

**response from AidVantage re : previous complaint to follow** STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Thank you for reaching out to the CFPB with your concerns regarding your student loan account. We reviewed your interaction with our representative on XX/XX/XXXX when you called to request a refund. During that call you were advised your refund would take four to six weeks after the request is approved. This is in line with the timeframes available at that time ; however, the timeframe after balance adjustment occurs has since been increased to four to eight weeks. The total timeframe for a refund is 10 to 14 weeks. We thank you for your patience during this process. Once your outstanding balance has been adjusted, it can be reviewed by logging into your account at XXXX  or you can contact us at XXXX with any further questions you may have regarding your account. Please monitor the Department of Education 's FAQs at StudentAid.govXXXX  as more information becomes available.