davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Coastal Credit, LLC (HI)

I financed a vehicle with Coastal Credit LLC in XX/XX/XXXX, the vehicle was repossessed in XX/XX/XXXX. Coastal Credit LLC reported it on my credit report as an Account written off, with balance of {$8600.00}. However, after they charged it off, they added interest and fees, the balance they are asking me to pay is {$13000.00}. 
I contacted them in several occasions. I contacted them for the first time years ago. Last time I talked to them was last week. They are not willing to set up any type of agreement. They have been rude ever since I gave the car back, I have been threatened with getting my chief of command contacted, which is the President of the United States. I have been willing to work with them but havent received the same treatment on their behalf. They are asking for the full amount of {$13000.00} and they told me they will take me to court if I dont pay the full balance.
Consumer complaint received 2018-06-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation (WV)

XX/XX/XXXX, XX/XX/XXXX along with a few before I got caller ID hooked up. I hadn't had my phone but a couple of days and started getting calls for my brother in law who I haven't seen for a long time, nor do I know where he is. It's a recording asking for XXXX and the same last name as mine. It says they have personal business with him and if this is the person press a #, if the person isn't able to come to the phone press a #. Or have him to call the XXXX back. Then it thanks me for giving him the message. There has also been messages left on my machine with the same recording. I looked the number up since it says toll free call and it comes back to Penn Credit. He doesn't live here nor has he ever lived with me.
Consumer complaint received 2017-07-03
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

I purchased a certificate of  Deposit  from   XXXX    XXXX   XXXX  and  XXXX  in   XXXX  . The  XXXX  &  XXXX  was purchased by  XXXX   XXXX   XXXX   XXXX   XXXX  which was purchased by  Capitol One. Capitol One ha s refused to help me cash in my CD. I searched state of MD and VA for abandoned property finding nothing. These funds are insured by the FDIC.
Consumer complaint received 2018-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

I order XXXX internet. They installed internet and a phone line. I told them I don't need a phone line and never ordered one. They said they will removed the phone service which they did but a year later I got collection bill from XXXX XXXX XXXX XXXX stating I owe XXXX. I contacted XXXX   about it and was promised they will notify XXXX XXXX XXXX XXXX to stop notification. Notification of collection did stop but it still show up on my credit. every time I called the promise it will be removed but it's still there affecting my credit score. 2 other collection agency have this same XXXX bill on my credit
Consumer complaint received 2017-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

On XX/XX/XXXX I received a request from Capital One credit card to fax my social security card because my account had invalid information. From XX/XX/XXXX to XX/XX/XXXX, I have faxed my social security card to several different fax numbers, supposedly at Capital One, and as of XX/XX/XXXX, was asked again to FAX the information to them as their file had Invalid Information ( whatever that means ). I advised each caller, and there were many since XX/XX/XXXX, that Faxing my social security card was not safe but I did fax it a total of 5 TIMES TO THEM. I have requested a final statement from them and to cancel my credit card with them effective XX/XX/XXXX and that I was reporting them for bad business practices.
Consumer complaint received 2024-09-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Bepensa Capital, Inc. (FL)

on XX/XX/XXXX of this year I paid {$18000.00} down, and on XX/XX/XXXX another {$500.00}, on a XXXX  for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX the engine blew up. i called the lender and they ended up backing out of the deal a week later, and made the car dealer buy back the truck and cancelled the loan. when i bought this truck from XXXX XXXX XXXX they had purchased a third party warranty for the engine and transmission. so i used XXXX XXXX side assistance and had it towed to the nearest XXXX XXXX  in order to activate the warranty and see if they are going to cover the repair. the repair facility couldnt look at the truck for several days because their diesel mechanic was attending XXXX  that week. during this time the lender cancelled the loan. I asked XXXX to give my money back but they said i cant have it back, because they think its my fault the trucks engine blew up. this truck had problems before I bought it. This truck is clearly a lemon. the XXXX dealership called me a few days ago and said that XXXX called them and is coming to repossess the truck because I do not own it anymore. the XXXX warranty company told the repair shop to breakdown the truck more to find out the cause for the engine failing. ( TXXXX XXXX XXXXp is very slow because they have work backed up because of their mechanic being gone ).
Consumer complaint received 2018-04-15
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)

XXXX XXXX XXXX XX/XX/XXXX Letter Credit Bureau On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I mailed off certified letters to the following credit bureaus XXXX, Equifax, XXXX. I noticed that it has been past 120 days and nothing has been resolved at this point Im still looking at errors on my report that your company havent removed. I am now sending my final letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that youre breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached photos of the inaccurate information that is listed on my credit file by your company. You have 72 hours to remove the following inaccurate errors. We are set for a hearing in XXXX FL for court located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX at XXXX XXXX on XX/XX/XXXX. Inaccurate address, inaccurate accounts, unauthorized inquiries. 
A : ERRORS INACCURATE ACCOUNTS 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XXXX B : UNAUTHORIZED INQUIRIES 1. XXXX 2. XXXX XXXX
Consumer complaint received 2018-04-15
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: Experian Information Solutions Inc. (TX)

I had -- -First let me start by saying I might not have checked the right complaint box. This is my problem.. I had a XXXX  credit score with experian credit bureau for the last month. Now in this month they tell me that my credit score dropped 10 points because I had an inquiry with XXXX. Does my XXXX credit report have a bearing on my Experian credit report. If so why not just have one credit bureau and be done with it. Also if that is the case, XXXX  only dropped my score by 2 points so why isn't Experian following suite . Is there a government website I can go to to find out my rights with credit reporting. Is this legal
Consumer complaint received 2018-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have contacted Equifax 4 times trying to resolve the issues with my personal information and addresses that do NOT belong to me. Under the FAIR CREDIT REPORTING ACT, they did NOT use reasonable procedures to TOTALLY verify the information they are receiving from their clients who FURNISH the information! They are REPORTING INFORMATION THAT does NOT belong to me and REPORTING INACCURATE information.
Consumer complaint received 2018-04-15
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)

XXXX XXXX XXXX XX/XX/XXXX Letter Credit Bureau On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I mailed off certified letters to the following credit bureaus XXXX, XXXX, TransUnion. I noticed that it has been past 120 days and nothing has been resolved at this point Im still looking at errors on my report that your company havent removed. I am now sending my final letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that youre breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached photos of the inaccurate information that is listed on my credit file by your company. You have 72 hours to remove the following inaccurate errors. We are set for a hearing in XXXX FL for court located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX at XXXX XXXX on XX/XX/XXXX. Inaccurate address, inaccurate accounts, unauthorized inquiries. 
A : ERRORS INACCURATE ACCOUNTS 1. XXXX XXXX XX/XX/XXXX 2.  XXXX XXXX XX/XX/XXXX 3. XXXX XXXX 4. XXXX XXXX XX/XX/XXXX 5.  XXXX XXXX XXXX XXXX B : UNAUTHORIZED INQUIRIES 1. XXXX 2.  XXXX XXXX
Consumer complaint received 2018-04-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC (NC)

Thursday - XX/XX/XXXX -- In response to a direct mail invitation, I contacted XXXX XXXX XXXX about the possibility of securing a loan. I voluntarily gave the Account Executive background information that would have been needed to apply for the loan. 

At the end of the conversation, I implicitly told the Account Executive that I did not want to proceed any further than the phone conversation at that point. Before advancing any further, I wanted to talk to my husband. 

That evening I discovered that a credit inquiry was made on our credit reports. This was done even though I specifically requested no further action. In addition, one of their statements on another website : " New Day is required to reach out to the spouse, as well, in order to confirm their intent to be part of the application. '' At no time did they reach out to my husband, yet they did pull his credit report. 

I immediately contacted the Account Executive and he said I had given them approval to pull a credit report. I firmly told him that my request to hold everything until further notice at the end of our conversation was proof that he should not have proceeded any further with our application process. 

He also wrote back a sarcastic email ( almost bullying ) that : " Hopefully you will be able to address your current $ xx, xxx of credit card debt on your own and avoid another short sale situation. '' This was unnecessary harassment. My application was withdrawn and his manager called me. 

Friday - XX/XX/XXXX -- I told the same thing to his manager that the process should not have proceeded to a credit report. He insisted that I gave my permission to do so. He also told me that the hard credit inquiry was no big deal, unless we were going for an auto loan. I immediately told him that was exactly what we were planning to do on the following Sunday, which is why I specifically told them to HOLD the application. After a brief conversation, he said I would be contacted by a Compliance Officer. I am still waiting for that to happen. 

Saturday - XX/XX/XXXX -- Sent a Certified Letter to New Day asking them to withdraw the credit inquiries. 

I feel the company should be marked as one that is dangerous to deal with since their Account Executive wrote an email that was high pressure and belittling. In addition, the manager I spoke with tried to trivialize the fact that a hard inquiry was made.
Consumer complaint received 2018-04-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC (TX)

Date of service XX/XX/15, amount {$1900.00}, original creditor XXXX XXXX XXXX. I was not in town during the date of services rendered, have proof of this. 

Have called multiple times to clear as this is not me, date of birth does not match, home address incorrect on hospital files. have disputed this at least 4 times with credit agencies. Each time I am assured that this will be resolved and hasnt been. Placed a hold on credit to help in future and fear identity thief. 

In the process of closing on home and this will affect it. have explained this to both creditor and hospital. appears that insurance is associating with me on their files.
Consumer complaint received 2018-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

I order XXXX internet. They installed internet and a phone line. I told them I don't need a phone line and never ordered one. They said they will removed the phone service which they did but a year later I got collection bill from I C SYSTEM INC stating I owe XXXX. I contacted XXXX   about it and was promised they will notify I C SYSTEM INC to stop notification. Notification of collection did stop but it still show up on my credit. every time I called the promise it will be removed but it's still there affecting my credit score
Consumer complaint received 2018-05-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (NJ)

Dear Sir or Madam On XX/XX/XXXX i went in trip to visit my sick mom in XXXX, and during my visit i tried to check my account from there, no order placed to buy or to sell, just checking the balance, So Coinbase identified my IP address and froze my account since american companies prohibited to do business with XXXX. I submitted all documents Coinbase requested, proof my US citizenship and my US residency, so i provided it all, and after many many contact with Coinbase, I still can't access my account after more than 80 days .and no clear response for them other than they are short with staff, i have to be patient or someone will get back to me, which is a sounds like a joke. Please help me to resolve the problem. 

Best regards
Consumer complaint received 2018-04-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (TX)

Dear all, This is to inform you that I have scheduled a fund transfer to XXXX through western union money transfer on XX/XX/XXXX. The company has promised through a written email that the calculated amount will credit to the receivers account by XX/XX/XXXX8. Though the amount was required for an urgent medical related issue in my family back in XXXX, I have agreed this terms. Unfortunately, till todays date, XX/XX/XXXX, the money has not credited into the account, and also the company 's customer care department is not able to give any satisfactory information about this money transfer. I have been contacting them for a while and all the customer care representative provides different answers/suggestions/comments about this issue.

It has been a sad situation for me and my family about this issue, because the money transfer is not served it purpose. 

Thanks,
Consumer complaint received 2017-07-03
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. (IL)

Credit report agencies refuse to delete unverified bankruptcy on my credit file. I have sent several letters in the past two years asking for proof by providing me with documentation with my signature on it. Instead they sent me a bogus letter saying they verified the information as ... being accurate. No documentation with my signature on it was provided to me in accordance with the FCRA Section 609 stating that the CRA 's credit agency must provide the consumer with the original signed contract or they must delete. They say they verified this bankruptcy filings with the clerk of the court but the clerk of the court does not verify that information with 3rd party. So they are lying and continuing to report these inaccuracy on my credit file which is against the federal law. I am also requesting the names, addresses and telephone numbers of individuals they contacted so that I may follow up. I want this unverified bankruptcy deleted immediately. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. In the interim, these items should be noted on my credit record as in dispute.
Consumer complaint received 2017-07-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (HI)

XXXX/XXXX/XXXX : I opened a Citi Account Package to take advantage of the {$300.00} promotional bonus being advertised at that time. XXXX/XXXX/XXXX : I met the requirements to qualify for the promotional bonus XXXX/XXXX/XXXX : At least 90 calendar days after I completed all the requirements of the promotional bonus, the amount of time stated in the fine print for the bonus to be posted to my account XXXX : Various email message asking about bonus ( I checked off to save all my messages but some of the messages failed to save to my Citibank inbox ). I followed up regarding the bonus promotion and was first told that I did not have a promotional code. When I stated that I signed up within the time frame that the promotion was on and that I saved a copy of the advertisement, Citibank changed its determination and said I did qualify for the promotion. I was then asked to mail in a XXXX ( which was not at all disclosed until after I had to follow up with Citibank ). At that time, another customer who took advantage of this promotion informed me that he received the bonus without needing to submit a XXXX. I tried to ask Citibank why the process was different for each customer, but they only told me that I was required to submit a XXXX. I complied and sent the XXXX towards the end of XXXX. I then followed up again to see if Citibank received my XXXX via chat message. The agent told me that my XXXX was rejected because I did n't include my account number on there ( there was no instructions to include the account number from Citibank and the XXXX itself lists it as optional information ). I do n't understand why it was rejected when the information on the XXXX is close enough for Citibank to determine which account it should apply to ( eg. SSN, name, address matches what Citibank has on file for the ONE bank account I have with them ). XXXX/XXXX/XXXX : Sent revised XXXX with correct information, was told that I would receive an email message from Citibank to follow up on the XXXX by XXXX XXXX. Received no such email. <P/>As has occurred every single time, I had to initiate follow-up with Citibank. Citibank has not attended to this matter at all except to respond to my emails stating that another step had to be taken on my part. They were also inconsistent with their information, telling me that I did n't apply and then I did apply, making me call in to ask what to put on the XXXX and misinforming me so I made them tell me in writing. I have done everything on my end to fulfill the bonus requirements, yet Citibank continues to prolong this and not award me the proper bonus.
Consumer complaint received 2018-04-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

Date of service XXXX15, amount {$1900.00}, original creditor XXXX XXXX XXXX. I was not in town during the date of services rendered, have proof of this.

Have called multiple times to clear as this is not me, date of birth does not match, home address incorrect on hospital files. have disputed this at least 4 times with credit agencies. Each time I am assured that this will be resolved and hasnt been. Placed a hold on credit to help in future and fear identity thief.

In the process of closing on home and this will affect it. have explained this to both creditor and hospital. appears that insurance is associating with me on their files.