davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-29
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. (AR)

I recently received my credit report XX/XX/XXXX from all three bureaus and I noticed multiple inquiries from what looks to be auto finance companies and banks. I filed an identity theft complaint with the FTC XX/XX/XXXX and froze my XXXX credit file ( online ). I named each inquiry to the XXXX rep as she removed the inquiries. I'm awaiting a updated copy of my report. I contacted Transunion and noticed several inquiries that I complained about around XX/XX/XXXX ( and was told were deleted ) that were reinserted for some reason. Both Transunion and XXXX stated I would have to reach out to the merchants to dispute the inquiries. 

I do not believe this can possibly be right, being that I NEVER authorized any of these inquiries which is why I filed an id theft report with the FTC. Not only should I not have to reach out to someone I have no business with, but these reporting agencies shouldn't be allowed to report inaccurate and unauthorized information. 

I can say I have two vehicles that are account holding and am NOT in search of a new vehicle nor any form of credit.
Consumer complaint received 2018-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED AUTO ACCEPTANCE (TX)

I WRITING IN REGARDS TO ONGOING PROBLEM THAT AFFECTING MY CREDIT SCORE. THE PROBLEM IS XXXX XXXX XXXX XXXX XXXX XXXX, GEORGIA IS REPORTING INCCURATE INFORMATION ABOUT MY CREDIT. IT SHOWING A VEHICLE I USED TO OWN THAT I HAVE RETURN THE BACK IN 2014. AND THEY HAVE BEEN SOLD AT AUCTION. THEY ARE REPORT IF I STLL HAVE THIS VEHICLE IN MY POSSESSION AND MISSING MY PAYMENTS. I DON'T HAVE THIS VEHICLE AND HAVE NOT HAD THIS VEHICLE SINCE BACK IN 2014 WHEN I RETURNED IT TO THEM. NEED HELP TO REMOVE THIS FROM MY CREDIT OR REPORT IT CORRECTLY. BECAUSE IT IS MAKING IT HAD FOR ME TO GET REMOVE HAVE TRIED DISPUTED IT BUT STILL END UP BACK ON MY CREDIT REPORTING INCCURATE INFORMATION.
Consumer complaint received 2018-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I have a credit card with Bank of America. I opened the credit card with an introductory 0 % APR on purchases. I set up automatic payments on the card when I initially got it in early XXXX. I held a balance on it for a short time and than paid it off in mid XXXX, then did not use it for several months. In late XXXX I charged the card a couple times, and I had not removed automatic payments. I assumed the card would be paid with auto pay but then I got a call from BOA on XX/XX/XXXX saying they needed to collect a debt. I stated the auto pay should be in place and their response was that if the card has a XXXX balance for some undetermined amount of time then auto pay MIGHT not continue. I took care of the debt but I do not think this should count against me as a late payment. Hopefully this can be resolved. Thanks.
Consumer complaint received 2018-01-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (GA)

On XX/XX/XXXX I deposited from my XXXX  account {$300.00} to Coinbase. Coinbase took receipt of the money on XX/XX/XXXX. I received an email confirmation from Coinbase on the XX/XX/XXXX with Deposit reference : Today is the XX/XX/XXXXand numerous calls to Coinbase yielded no meaningful contact. All I have gotten is an automated machine telling me things which does not work. I have reported the issue via their support online request form at XXXX site. I have gotten no email suggesting that ticket was created to document my submissions. I XXXX searched to see if others were have the similar complaints, fund XXXX. Also got to realized they're associated with XXXX XXXX XXXX. I called XXXX XXXX, this morning, I was told they can not see their systems, but they are behind and will get my deposit done, but no time frame given. That is not acceptable.. 



Coinbase On Saturday XX/XX/XXXX you authorized XXXX to fund your Stored Value Account with {$300.00} from your linked bank account. We have debited your linked bank account accordingly.Deposit reference : Within 2-4 business days, these funds should be available in your XXXX  balance. Coinbase does not charge a fee for this transaction.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
DEPTEDXXXX XXXXXXXX BALANCED {$0.00} DEPTEDXXXX XXXX BALANCED {$0.00}
Consumer complaint received 2018-01-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (WA)

My Wells Fargo account was inactive as I had switched over to XXXX and was using it primarily as a savings account. They were not happy with that and sent me letters saying due to inactivity my account was frozen which was fine because I wasn't actively using the money. Around XX/XX/2017 I finally got around to going to the bank to close out my account and consolidate my finances. It was at that time I was told there was no money in my account. Wells Fargo had sent a check for the amount in my account to my associated address which as a young person I move a lot and was 3 addresses ago. I inform the accountant about the situation and she calls head quarters to cancel the sent check. It was quite a process. Eventually the check is cancelled and she gives me a number to call after 5 weeks so they can process it. The number she gave me is to NJ unclaimed money. Now I have to jump through hoops, supply documentation, get something signed in front of a notary to get my money ( >11k between both savings and checking account ) which Wells Fargo deemed appropriate to send through the mail before without confirmation but now can't be bothered with fixing their mistake
Consumer complaint received 2018-01-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC. (PA)

I have with XXXX XXXX XXXX, .XXXX,  XXXX XXXX which has XXXX XXXX XXXX XXXX. I was retired from my job at the XXXX XXXX XXXX  due to medical reasons. onXX/XX/XXXX. Because of the medications i take are XX/XX/XXXX I am unable to drive. I called Ally to surrender my car XXXX XXXX XXXX which I purchased in XX/XX/XXXX. It was in excellent condition with less than 10,000. miles. I sent Ally the medical information. 

They dent me as debt collection letter stating that I owe them {$16000.00} because they sold a {$300000.00} car for {$16000.00}. I had several credits on this account totaling {$1800.00} which they kept. I have just recieved my first pension check which of course is not enough income to pay this bill.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

Equifax has refused to remove a voluntarily dismissed Chapter XXXX Bankrupty filing ( reference number : XXXX ) from my credit report causing me prejudice and damage. The filing was voluntarily withdrawn by myself and dismissed by the court therefore it was never a bankruptcy and should not be adversely affecting my credit report. My creditors were not harmed in any manner by the filing nor the withdrawal/dismissal and they did not experience any financial loss whatsoever in any manner therefor this item should not be allowed to cause me prejudicial damage.
Consumer complaint received 2018-01-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AK)

I opened a checking and a savings account with the WELLS FARGO BANK on XX/XX/XXXX. I had a check from my attorney for the settlement of the accdent that XXXX my husband in XX/XX/XXXXThe amount was XXXX so I had to trust a bank. Not something l do So the manager gave me {$40000.00} cash and transferred the remaining {$140000.00} to  the XXXX branch.Friday before XXXX l withdrew {$1000.00} from checking for the dinner celebration. Then when I went to the bank on Monday to get money to pay bills the teller who was helping me said she did not know what happened to both
Consumer complaint received 2018-01-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

This complaint is being field against Select Portfolio Servicing ( SPS ) negligence, misrepresentation and deception. This matter surrounds events and conversations which took place between the dates of XX/XX/XXXX until XX/XX/XXXX, with SPS agents and supervisors. 

We received two separate loan modification offers one stating that a payment was due in the amount of {$310.00}, by the date of XX/XX/XXXX. The second modification offer was requesting payment by XX/XX/XXXX. 

Payment was made in the amount of {$310.00}, on or about XX/XX/XXXX. According to the SPS, agent XXXX XXXX, XX/XX/XXXX, it was discussed that at the time this payment was posted to the account that particular offer had been cancelled by SPS. XXXX XXXX, then stated that our loan had been approved for modification .what is known as a Streamline offer from the Investor. Payments were to be made in the amount of {$310.00} due by XX/XX/XXXX. 

As a result, XX/XX/XXXX, Call was internally transferred to XXXX XXXX, XXXX XXXX advised that she was able to concur with all of the information that XXXX XXXX had previously provided. 

XXXX XXXX, then suggested that since there was an approval for the Streamline offer, which didnt require payment due until XX/XX/XXXX, a payment only be made in the amount of {$2.00}. She stated that SPS, would apply the suspense payment of {$310.00} with the {$2.00} and apply it as a whole payment toward the modification offer valid at that time. XXXX XXXX, went as far as placing the call on an extended hold in order to acquire supervisor XXXX XXXX. XXXX allegedly gave his approval of the payment terms, to be applied as one payment the XX/XX/XXXX. 

As a result of both the lack of guidance in SPS agents XXXX XXXX and supervisor XXXX XXXX, the terms of acceptance of the XX/XX/XXXX, loan modification offer have been cancelled. These errors and misconduct have placed our home in foreclosure as well as SPS have collected payments and misapplied payments inappropriately which are violations nine recent categories of requirements under the provisions added by the Dodd-Frank Act to the Truth in Lending Act ( TILA ), and, therefore, reside in TILAs implementing regulation, Regulation Z, 12 C.F.R. Part 1026 ( Reg. Z ). The remaining six arise from Dodd-Frank amendments to the Real Estate Settlement Procedures Act ( RESPA ) ; those six reside in RESPAs implementing regulation, Regulation X, 12 C.F.R. Part 1024 ( Reg. X ). [ 1 ] and the FDCPA 1692e : Debt collector false statements and misleading representations are prohibited. 
. 

SPS, is now demanding that we start this process all over and they have failed to apply modification payments accordingly. This is an error made by SPS and we demand that our payments be applied as according to the events that surround this complaint.
Consumer complaint received 2018-01-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Recovery Solutions (NY)

On Friday XX/XX/XXXX I spoke with United Recovery, a debt collection agency regarding a XXXX credit card with an outstanding balance. The collection agency called my place of employment, XXXX XXXX, at XXXX. This number leads to an automated system explaining it is XXXX XXXX, and clearly not a personal number. I informed the gentleman on the phone that I am unable to take personal calls at work, and not to call me at this number again. I politely informed him I would call him regarding the matter from my personal phone when I am off the clock. On Monday XX/XX/XXXX at approximately XXXX XXXX, the same debt collector called my employer yet again, after being informed not to on a recorded line. My manager happened to answer the phone, and I was scolded for having personal calls at work. This is unacceptable and can jeopardize my job. We have a strict policy on personal calls at the bank, and I told them of this. They have disregarded my privacy and request.
Consumer complaint received 2018-01-29
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)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation

of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Consumer complaint received 2018-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PRESTIGE FINANCIAL SERVICES INC (WI)

This past XXXX my chapter XXXX bankruptcy was discharged. Originally I was going to reaffirm the car loan I had with XXXX XXXX. InXX/XX/XXXX I decided to turn the car in thru the bankruptcy rather then reaffirm the loan. Finally onXX/XX/XXXX they sent someone to pick up the car. I started checking my credit report and scores shortly after this and each time noticed that Prestige was still reporting that I had the loan and was behind on payments. I tried contacting XXXX and did a dispute and whe the investigation was complete it stated it was correct from the info they received from Prestige. I have disputed this on 3 occasions now. I have also contacted Prestige on 3 different occasions and each time the person i have talked with has said yes I was right and they would report it to there credit reporting department. Nothing is happening with this as it still is showing as a debt that is now more then 120 days behind. I have not had this vehicle since XX/XX/XXXX and would like this off my credit report.
Consumer complaint received 2018-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

On approximately XX/XX/XXXX I contacted XXXX XXXX XXXX regarding the buyout price for my lease vehicle, which was to expire XX/XX/XXXX. I was connected to a foreign call center with Chase Bank. I was told the buyout price of {$13000.00} and the representative from Chase Bank said he would fax the buyout documents. I applied for a loan and was approved from XXXX XXXX XXXX in XXXX California for the loan amount and interfaced with the loan officer XXXX. 
As the loan was being processed I received a statement from XXXX XXXX XXXX saying I was past due with a payment. I called XXXX XXXX XXXX again and told them the loan was being processed and asked if I should sent a payment. I told them it was in a process of a buyout and gave the credit union information. The representative said it would be ok and I should not send in any payment as it would affect the buyout price. I expressed concern regarding any credit late payment and the representitive said it would be no problem if the car was in the process of a buy out. 
On XX/XX/XXXX the check was sent from my credit union to XXXX XXXX XXXX and the credit union representative was also in direct contact with XXXX XXXX XXXX/ Chase Bank . 

On XX/XX/XXXX I received a flag from XXXX regarding derogatory info on my credit report. Upon investigation it was noted that my account was 30 days past due from XXXX XXXX with the payment due XX/XX/XXXX. The check was received for the close out price apparently on XX/XX/XXXX. 
My credit rating went down 81 points. I was very upset and contacted XXXX XXXX XXXX  and told them the credit union and Chase were in contact with each other and the check was sent XX/XX/XXXX, and why was a late payment reported to XXXX  when XXXX knew the loan was approved and the buyout payment was on its way to them. I feel this is very unfair and uncalled for. Chase said they indeed receive the check and the account was closed, but could not promise me that the derogatory info be removed from my credit report.
Consumer complaint received 2018-01-29
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ERC (SC)

I reached out to ERC about my account in the amount of about {$1400.00} for an old phone bill I had for someone. I attempted to get a written payment arrangement so I could try to settle this account. The gentleman refused to give me a written payment arrangement and told me to contact them when I have money which was very unprofessional. He said that his company doesn't do payment arrangements.
Consumer complaint received 2018-01-29
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)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Consumer complaint received 2018-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (KS)

The complaint is against XXXX and Lakeview Loan Servicing. They have not properly credited my payments of principal reduction and continue to charge me interest on principal which I have already paid. They are not crediting my payments in a timely manner. See attached : back of check indicates it was received on XX/XX/XXXX, it was not applied to the loan balance until XX/XX/XXXX. They also did not apply my extra payment to principal as requested, but applied it to the payment due on XX/XX/XXXX. See attached letter and payment statement from XXXX. They have not responded to my correspondence.