davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2018-10-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CHECK INTO CASH INC. (CA)

On XX/XX/2018 {$1400.00} was taken out of my XXXX XXXX account using my card info at a XXXX machine in XXXX, Ca, over the course of 6 transactions, which I did not authorize and I had the card itself in my  possession the whole time. I submitted my claim to XXXX XXXX and they denied it basically blaming me for the theft, that I gave someone my card and the pin # to someone. I have never even been to XXXX as far as I can remember and gave no one any authorization. I sent them the police report That I filed with the XXXX, Ca police department a copy of my card and a claim form they asked for and they denied my claim based on the fact that I must have given the Thieves my card info. I sent in a 2nd appeal letter in on XX/XX/XXXX to the compliance department on XX/XX/2018. I called back during the week of XX/XX/XXXX - XX/XX/2018 and was told they had no information on my request yet. Yesterday XX/XX/XXXX I called again and was told They never received my appeal letter so this Time I was told I should have never sent it by mail, which I was told by them to do so on XX/XX/2018, so I faxed it in Yesterday XX/XX/2018. Please see all my supporting documentation which I have attached. I would appreciate your help in resolving this matter with XXXX XXXX, the detective at XXXX Pd said They use skimmers and cameras to get info and pin # and that 2 Years ago they found a skimmer and a pinhole camera at that same location, found Dna on the skimmer and were able to catch the culprit. XXXX XXXX are the ones that recommend using the atm '' s located in the XXXX XXXX. XXXX Pd say that their is a crime ring that likes to use those Atm '' s because they have no cameras and that the skimmers are almost undetectable and that the owners of the store '' s really do not pay attention to them because they are not Theirs. I have relayed all this info in my appeal to XXXX XXXX ( attached ). I did nothing wrong and for XXXX XXXX  to blame me for the theft is outrageous. Thanks for your help.
Consumer complaint received 2018-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I called Transunion and notified them of being a victim of their inquiry issue and told the representative that all the inquiries before XXXX where removed but than put back on my report he than proceeded to tell me it was nothing he can do. I wasnt notified or anything about these inquiries being put back on my report and its not right.
Consumer complaint received 2018-10-26
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: Experian Information Solutions Inc. (AL)

I opened a dispute with Experian for XXXXXXXX XXXX who is reporting a {$70.00} debt since XXXX, and now they are stating on my report it will not come off until XXXX..the account has been charged off..XXXX XXXX keeps changing debt date to keep it on my credit, that is the only way they could hold this debt until XXXX..
Consumer complaint received 2018-01-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (GA)

On or about XX/XX/XXXX, I made the decision to port my three mobile telephone line from XXXX to XXXX wireless. I informed XXXX that day because I had a previous balance that was due. The XXXX representative informed me that the previous balance and the current balance would be adjusted once the old devices were returned to XXXX. I was also instructed that it would take approximately two weeks to get the package and posting documents to send the devices back. On XX/XX/XXXX I received an email stating that my account as going to be turned over to collections for none payment. I contacted XXXX and they told me to disregard the email because the devices were in route back to the company and the adjustments would need to be made to the balance. I was then informed that no later than XX/XX/XXXX I should receive my final bill with all my adjustments. I waited for the updated bill and logged into my account but the balance still read {$770.00}. 

On XX/XX/XXXX I received a phone call from a collection agency named Receivable Performance Management in regards to my XXXX account. The customer service rep I spoke with was very aggressive and when I tried to explain that XXXX has not forwarded me my finalized statement she then began to over talk me and yell a break down of charges on my account. I attempted on three different times to explain to her that credits needed to added to my account and them I would pay XXXX my remaining balance due. She told me that XXXX would not take payment and that they would forward me back to her. I then hung up. 

I contacted XXXX that same day at approximately XXXX and spoke with XXXX . He reviewed my bill and looked over the charges. He even broke down the charges for the remaining balance. He even observed that I was charged for a service that I did not have on my phone. He called the adjustments department and had them remove it which he stated could take up to two days. When I asked about my tablet he informed that services were not suspended when I asked but were done at a later date. He informed me that those charges will need to be added to the final balance but that final bill will not come due to XX/XX/XXXX. He then stated that I should be able to login to my account and see the final bill by XX/XX/XXXX. When I asked him about payment he informed me that XXXX will still accept payment on the account and that the account is still with them. He also stated that once the payment is made they will notify the collection agency, but they still legally own the account. He informed me that no action can take place until the tablet charges are added to the final bill.
Consumer complaint received 2018-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have disputed a account on my credit report which is a chase card that XXXX is reporting as a charge off and failure to pay certain months. This account is not a charge off as it has been paid in full. XXXX will not update my credit file correctly. 

The account is a XXXX card with the address : XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX Address is XXXX. XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2018-01-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Placement Services, LLC (PA)

Professional Placement Services , LLC sent me a letter on XX/XX/17 in attempts to collect a debt from a debt collector. This letter did not include a statement describing my right to dispute the debt as per FDCPA guidelines. 

The letter also stated " the total balance on the day you pay may be greater as a result of fees and interest that continue to accrue. '' This does not comply with the FDCPA 's requirement that debt collectors clearly state the amount of debt. By failing to provide additional information such as the interest rate, date of accrual, and nature of any added fees.
Consumer complaint received 2018-01-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Perfection Collection (FL)

This was for XXXX security alarm company. The contract was over and it continued even after it was supposed to terminate. I called them and sent them written notification of cancellation. Yet, they continued to bill me. I paid them once again and advised them that my contract was over and I no longer wanted the service. They waited for almost 3 years after contract has been done and they have put my account in collections for XXXX dollars I have not had any service there in at least 3 years and moved away from there over a year ago. This is abusive it is fraud.
Consumer complaint received 2018-01-10
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Onity Group Inc. (TX)

Because of the market crash and my home value decreasing so that I could n't sell it for what was owed and other personal harships, on XXXX XXXX 2013 My home was foreclosed. The 1st lienholder XXXX XXXX received release from the 2nd Lien holder GMAC to foreclose on the property. After foreclosure the 1st lien sold the home for the full mortgage amount. I called GMAC the 2nd lien holder to see what would happen at that point since they did not receive money from the sale. They said they filed bankruptcy and wrote it off. Within the next year I started receiving calls from a company called XXXX XXXX XXXX who said the debt was sold to them and they are collecting it. XXXX XXXX XXXX is showing this debt on my credit as an open mortgage with late payments every month. I did some research and I found that legally GMAC should n't have sold the debt if they filed bankruptcy and wrote it off but even if it is okay for them to do that, the Collection company since they were not the original lien holder can not show this on my credit as an open mortgage with late payments every month and continued interest etc ... I have filed a complaint with the 3 credit bureau companies and XXXX refuses to do anything about how it is being reported ; however the other two have updated it. 
My complaint is against XXXX XXXX XXXX  and XXXX. Please help me in straightening this out. I understand the debt has to show on my credit report but at some point it will fall off but as long as it shows an open mortgage it will never come off and it looks like I am paying late mortgage payments every month and I am not.
Consumer complaint received 2018-01-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (WA)

On XX/XX/XXXX, I sent a wire transfer to Coinbase, Inc to deposit funds into my account. It 's now been over a 12 ( work ) days and the funds still have not been credited to my XXXX account. The transfer should have taken a day, as indicated on their web site. I tried to contact them several times but no response ( except their automated emails ). My Case number is # XXXX.I also checked the wire transfer with their bank ( XXXX XXXX XXXX ) which confirmed me they received the money on XX/XX/XXXX. 
Here 's some info about the wire transfer : Date : XX/XX/XXXX Amount : { {$2000.00} } IMAD : XXXX
Consumer complaint received 2018-01-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION (VA)

I have had {$280.00} dollars in returned item fees between XXXX and XXXX. On both occasions the day before I have shown a positive balance in my account with nothing pending and I wake up and have over {$100.00} to the negative. This has been an ongoing issue with bb & t
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (MI)

I am now in pursuant to FCRA & 605B ( 15 U.S.C. & 1681c-2 ) the Equifax credit reporting agency , block information appearing on my consumer credit report that is result of identity theft and fraud within 4 business days of you receiving this complaint.This fraudulent, inaccurate and false information consists of a car loan lease XXXX XXXX XXXX XXXX XXXX XXXX account number XXXXopen on XXXX XXXX XXXX.A credit card From XXXX XXXX XXXXXXXX XXXX account number XXXX XXXX XXXX account number XXXX was opeXXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX was open XXXXXXXX XXXX XXXX.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report do not recognize the aforementioned accounts.i have attached a copy of the FTC IDENTITY THEFT CRIMINAL COMPLAINT case number XXXX as proof from the US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts XXXX collections of identity theft and fraud.
Consumer complaint received 2018-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

i kept seeing {$0.00} available credit for last few months and i finally had a chance to call because i was making my payments on time every month so I didnt know what was going on.i emailed them and they said i needed to call so then i emaile again and called and they switched me to a few differant people and finally a rep named XXXX  on XX/XX/18 said they sent me a letter about it in XX/XX/XXXX and i said i didnt get it because then i would be aware of whats going on and she said it didnt get returned so i got it. i said no i didnt now explain whats going on. she said they looked at my credit score and closed my account because they didnt want future credit with a score that was like mine. first of all, they didnt even tell me what my credit score is and secondly ive never missed a payment with them. its always early or day due and its usually a little more than min payment. she said that i will continue to pay and they are going to report it to credit burea and it will effect my credit score negatively. i dont care if they want their XXXX credit card not being used by someone trying to rebuild credit. thats not my issue. my issue is they are reporting me negatively to credit burea and are going to sabotage me trying to clean the credit score up by doing so and she said oh well its going to be reported and u will make ur payments anyways. cabelas club visa is the worst company i have ever dealt with. who out of the blue decides ur credit score is a reason to shut down ur account even though u make monthly payments on time and ruin ur credit even more
Consumer complaint received 2018-01-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

On XX/XX/XXXX Coinbase.com ( US-based digital currency platform company ) credited me with inaccurate ( insufficient ) Bitcoin Cash balance. I opened a case with Coinbase Support on XX/XX/XXXX and has n't received any non-automate response since. Despite the fact that case was clearly non-resolved the case got closed without any message. 

Background : According to Coinbase.com Bitcoin Cash policy all customers who held a Bitcoin balance on Coinbase on XXXX XXXX, XX/XX/XXXX should receive equal balance of Bitcoin Cash. This was communicated on Coinbase Blog ( url # 1 ) and now is stated on Coinbase FAQ ( url # 2 ), links provided below. 

# 1. Coinbase blog post regarding Bitcoin Cash : https : //blog.coinbase.comXXXX # 2. Coinbase FAQ regarding Bitcoin Cash : https : //support.coinbase.comXXXX Here are exact excerpts from Coinbase FAQ : Excerpt 1 : " How can I trust that Coinbase knows the exact amount of Bitcoin Cash that was in my account at the time of the fork? 
At the time of the fork, we duplicated the current balance of all Coinbase customer accounts. Customers can download a copy of their transaction history to see a running log of their balance for each Bitcoin wallet. '' Excerpt 2 : " If my Bitcoin was in my Coinbase Vault at the time of the fork, will I still receive my BCH? 
Yes, you will still receive your Bitcoin Cash funds. All BCH will be credited to a single BCH wallet in your Coinbase account. '' As instructed in excerpt 1, I downloaded my transaction history for both Bitcoin Wallet and Bitcoin Vault. They both confirm that my Bitcoin Cash balance is inacurrate. The missing amount equals to BTC balance held in Vault, but as stated in Coinbase Bitcoin Cash FAQ ( excerpt 2 ) this should not matter where BTC were held. 

I can provide transaction history reports generated via Coinbase reports tool ( as instructed by Coinbase FAQ ) for my account that confirm that my Bitcoin Cash balance does n't reflect my Bitcoin balance held in Wallet and Vault on Coinbase on XX/XX/XXXX.
Consumer complaint received 2018-01-10
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (AZ)

Reply to complaint # XXXX Thank you for your reply, I had not mentioned that the failure of XX/XX/XXXXpayment was again due to Wells Fargo. Please Check your records, the payment was made on time as I have from the very start of my mortgage. Someone from Wells Fargo placed a stop payment on my account back in XX/XX/XXXX, I was able to successfully submit my XX/XX/XXXX payment but for some reason my XX/XX/XXXX payment was blocked. I was notified by a Wells Fargo representative that my payment was due, that is how I learned of the stop payment. I immediately made the payment when I was informed of this situation and the stop payment was removed. Additionally, I am unsure how this relates to my complaint, but there is your explanation. I still do not know who or why a stop payment was placed or how one payment was accepted and the next was stopped.

Considering we are bringing up matters that have no relevance to my credit or credibility, I am happy to bring to light matter of Wells Fargo sending me another clients personal file. This file included all their personal information about their bankruptcy and financial hardship. While I am a man of my word and honest, I explained to Wells Fargo that I would not contact Mr. XXXX. My trust in Wells Fargo had been restored by Mr. XXXX making matters right, until I was witness to how private information is mistreated. I have no confidence that Wells Fargo has done what they can to repair my credit. This is a prime example of Wells Fargo 's sloppy attention to detail and my overall experience with each department. Mr. XXXX XXXX information attached exactly how it was sent to me.

Back to my initial complaint, while I am not a a credit expert I am aware of certain features available to make changes fairly rapidly. A third party company like XXXX could have resolved this matter within 24 hours. While Wells Fargo has corrected the other issues they caused, there is one that still remains, my credit. This matter has caused several issues to include hardship and having to switch to a one car family because I can not obtain credit for a new car. If the request to the credit bureaus were already sent once, what was the reason for sending twice? All the Credit bureaus are is a bulletin board in which information is posted and Wells Fargo is responsible considering they put it there.
Consumer complaint received 2018-01-11
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC (NC)

About 6 months ago, I submitted a complaint directly to Ditech and to the cfpb. Ditech made several errors on my mortgage including changing my mortgage without my knowledge to include an escrow, incorrectly documenting that they paid my taxes, and reporting me delinquent to the credit bureau. This has caused and continues to cause me a great amount of stress and frustration. The complaint was closed with Ditech stating they had remedied the problem. I am now trying to purchase a car and pulled my credit report about 1 week ago only to discover that they are still reporting me delinquent. I called Ditech again and was transferred from department to department being told by each that it was a different departments responsibility. I asked multiple times to speak directly to a manager due to the ongoing nature of this problem and was denied and cut off while trying to explain the issue. After being placed on hold for several minutes the representative told me she saw the problem was because the escrow errors were never fixed and she would submit a complaint to that department. I told her the last complaint took close to 6 months to resolve and it was never actually resolved and it has caused my credit score to drop several points. I asked to speak to a manager again and she said there is nothing they can do. I told the lady I would pay whatever I needed to pay in order for them to make my mortgage right and remove the derogatory information from my credit report, however, prior to paying anything I wanted something in writing from them stating that they would remove the derogatory information. She said they would not do this and my only option was to wait for the complaint to go through the process. This company is very poorly run and one hand does not know what the other is doing. I pay my mortgage every month and continue to get letters offering options for financial distress. I want the errors on my mortgage fixed immediately and my credit report corrected. I do n't understand why ditech ca n't fix the problem they created.
Consumer complaint received 2018-01-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC (GA)

I was contacted on XXXX/XXXX/XXXX By XXXX XXXX XXXX in which they threatened me to take legal action over very old debt from XXXX for a XXXX XXXX phone bill. I never signed or agreed to pay XXXX XXXX anything. I currently have a XXXX XXXX account in good standing.