davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Purchase Date : XX/XX/17 Merchant : XXXX XXXX Amount : {$62.00} Dispute originally filed with credit card company in a timely manner. This complaint originally filed with CFPB case XXXX, Capital One has already been provided with sufficient proof that the merchandise was returned to the merchant with the XXXX tracking information. However, most recently, Capital One claims they need additional time to resolve a rather simple, minimal billing dispute. The incompetent merchant is claiming they sent a merchandise credit instead of CREDITING THE ORIGINAL METHOD OF PAYMENT. This seems to make no sense whatsoever, in fact, why would a merchant send a merchandise credit instead of crediting the customer with the original payment method, I never requested this, nor, did I benefit from any merchandise credit.
Consumer complaint received 2017-11-03
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: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX XXXX and I 've been receiving notification of my credit report about inquiries. I did not apply for these accounts or business, I 've contacted both parties and they do n't help. I 'm trying to fix my credit and with this isssue it will be a disaster if this keeps going on. I only have one credit card and no loans or anything else. I have a XXXX XXXX XXXX XXXX Credit Card and nothing else. No need more.. Please help me. I do n't need no more credit. I think I 'm an Suspect Victim of Identity Theft. 

I would like my persoanl information updated as well, because my mother has the same name and I believe her information has been mixed up with my information. 

My personal information shoule be as listed below : Name : XXXX XXXX XXXX Address:XXXX XXXX XXXX XXXX XXXX NC XXXX Phone : ( XXXX ) XXXX Employer : XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (MN)

When checking my Wells Fargo credit card statement online I saw a charge of {$110.00} to XXXX XXXX. I called Wells Fargo to dispute the {$110.00} charge. They provided a receipt which is attached to this complaint. The receipt shows a transaction date of XXXX/XXXX/XXXX for a location in Florida. I was not in Florida and I had my credit card in my possession here in Minnesota. Also it shows the purchase was manually entered. I do not believe the receipt provided by Wells Fargo is a XXXX receipt in the first place. I had Wells Fargo cancel my card and issue a new card as this charge was fraudulent. 

I do not have a XXXX account at all. I do have a XXXX phone that gets billed to my father 's account. My father 's account did not receive any {$110.00} credit from Wells Fargo and it should not any way. Wells Fargo told me that they can not reverse the charge since I am affiliated with a XXXX account. Again I do not have a XXXX account. I believe Wells Fargo should be able to tell where they sent the {$110.00} and it was not any account that I charged on. 

I did file a fraud form online with XXXX on XXXX/XXXX/XXXX also but no response from them. I believe the receipt that Wells sent me is not a XXXX receipt, I do not have a XXXX account so XXXX really has nothing to trace back. Wells Fargo should know where they sent the {$110.00} but they are not working with me.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under XXXX XXXX XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX ALL XXXX ACCOUNTS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A section 2, states a consumer reporting agency can not furnish an account without written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, other than records of conviction and crimes which antedates the report by 7 years.

According to 15 U.S.C 1681 S-2 ( A ) ( 1 ), a person " shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2018-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Experian Information Solutions Inc. (NJ)

I was an authorized user on a XXXX XXXX Credit card. I was removed on said credit on XX/XX/XXXX and requested that this credit card be deleted from my credit profile immediately. XXXX provided me with a letter that was sent to and I personally uploaded to all three credit bureaus dated XX/XX/XXXX, indicating that I was removed as Authorized user. Experian and XXXX stilled refused to remove account from my credit profile. I reached out to penfed again asking that another letter be sent on my behalf asking that this account be removed from credit profile immediately. XXXX sent another letter Dated XX/XX/XXXX, and further requested that this account be deleted but still Experian and XXXX still refused to remove account. I uploaded copeies of all letters to both credit bureaus on the same days XXXX sent them out, so I was assured they received the correspondence. I then called XXXX onXX/XX/XXXX and spoke with Account Manager XXXX ( ID # XXXX ) and he assured me the account was deleted as ofXX/XX/XXXX and said I should buy the XXXX   credit monitoring system to check real live updates to my credit report, which I did while on the phone with him. When I checked my credit my report on XX/XX/ the XXXX XXXX account was still showing. I called back on XX/XX/ and spoke with Account manager XXXX ( ID # XXXX ) who explained that I was giving wrong information and the account is still in dispute status. I explained there is no dispute as I have copies of all correspondence and XXXX has requested several times that this account be deleted from my credit profile. Account manager became rude and stated that I would have to wait an additional 30 days for results because XXXX sent another Request that this account be deleted. I have made every good will attempt to have this account deleted from my credit profile but I continued to be told false information as well as sold products I don't need. Experian has also refused to removed the account based off the same reason that each time a letter is submitted to delete an account they must add an additional 30 days which I know to be untrue as I verified with account managers on with both credit bureaus that all letters act only to prove or disprove your request. I am asking that this XXXX XXXX account be deleted immediately from Experian and XXXX as it effecting my credit to debt ratio, and prohibiting me from closing on my first home mortgage.
Consumer complaint received 2018-03-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

I have had multiple issues with Coinbase , Inc . Freezing my funds and demanding payment for transactions that have already settled. In addition, Coinbase hase made several ACH withdrawals from my bank account that do not match any of the transactions I have had with the site. 

I have submitted 3 support tickets and contacted customer service on two occasions. 

My account was settled back to {$0.00} balance after escalating and speaking with an account specialist. After logging in two weeks later the company has frozen my account and demands {$6800.00} for transactions that were previously settled. 

I have recently had fraud on other credit cards not associated with my Coinbase account. One charge on XX/XX/XXXX was for a XXXX, where someone ran a background check on myself and was able to access scores of personal information that could be used to gain access my Coinbase account. 

All of the incidents with Coinbase mentioned above happened after the XXXX fraudulent charge. 

I submitted another support ticket but never get resolution for these issues. Coinbase has been unscrupulously handling ACH withdrawals, Credit Card withdrawals and now are demanding funds that were either settled or fraudulently charged based on the facts that i have gathered. 

I am seeking immediate resolution to clear the negative balance and regain access to my account. Coinbase has been dismissive and unresponsive to my concerns.
Consumer complaint received 2018-03-07
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. (NY)

this account was paid in full and was never late are Charge-off please removed this incorrect information from my credit report thank you. 

XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid satisfactorily Status Updated XX/XX/XXXX Balance $ - Balance Updated - Credit Limit {$750.00} Past Due Amount $ - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Ownership Individual Original Creditor -  Company Sold-to
Consumer complaint received 2018-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

this account was paid in full and was never late are Charge-off please removed this incorrect information from my credit report thank you. 

XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid satisfactorily Status Updated XX/XX/XXXX Balance $ - Balance Updated - Credit Limit {$750.00} Past Due Amount $ - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX  XXXX XXXX , XXXX, VA XXXX Ownership Individual Original Creditor -  Company Sold-to
Consumer complaint received 2018-03-06
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Bureau of the South, Inc. (NY)

I have received numerous phone calls as have members of my family, threatening jail, arrest, police coming to my door and if we have guns on the premises to lock them away. My mother was even threatened that they would lock her up if she did not tell them of my whereabouts. All from a company by the name of XXXX XXXX XXXX ... XXXX. The people we have heard from are a XXXX XXXX and a XXXX XXXX. 

These claims were discharged in Bankruptcy several years ago and these companies were notified of the hearings and at the time did not try to contest it. 

I have tried to inform them of the bankruptcy but they just laugh and tell me they will see me in court. I have given them all my contact info but to date have received nothing from them and they still call and harass my family.
Consumer complaint received 2018-03-07
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAVALRY INVESTMENTS, LLC (RI)

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX after they repossessed my car, demanding I pay XXXX immediately to get my car back. I didn't have that money up front and I tried to negotiate with them in working on a payment plan or pay back the payments I had but they wouldn't want to do that and at that time my car was still available. On XX/XX/XXXX I received another letter account number XXXX ( account to auto loan ) had been sold for XXXX! How was I supposed to come up with 8 plus grand in one month! I remember talking with XXXX XXXX XXXX who was so rude and unprofessional that talking to him trying to take care of this was very difficult and he retired shortly after we spoke before XX/XX/XXXX letter. On XX/XX/XXXX I received a letter threatening to sue me for my outstanding loan balance signed by XXXX XXXX. XX/XX/XXXX another threat in attempting to collect the debt by which I never spoke to XXXX because of the first time. Never heard from XXXX though it was sold to a third party debt collector Calvary Portfolio services. Not sure exactly when but it was beginning of XX/XX/XXXX I believe XX/XX/XXXX according to affidavit claim ( letter attached ) On XXXX XXXX I sent Calvary Portfolio a letter asking them to verify the debt before making any payments ( letter attached ). Calvary never responded to the letter within the 30 days according the FCRA and never heard from them until XX/XX/XXXX not sure the exact date I was served a summons for a credit card account with XXXX which I never opened XXXX? I had a line of credit but never owned a credit card. I responded on XX/XX/XXXX and received the summons 20 days before that XX/XX/XXXX. I stated that I object to balance owed and I never took out a CC with them and it was the account ending in XXXX? I don't even know what that account is? I never banked with XXXX after all this. 
On XX/XX/XXXX I had packet with my paperwork signed by me in regards to the auto loan and the repossession fees etc and a court date of XX/XX/XXXX. I thought the letter was a another attempt to collect and I never showed up to court thinking the state of limitations was long passed and only making a final payment in XX/XX/XXXX. A judgment was entered of the day of the no show and one year later my wages are being garnished through my work! How did they get that information? How did they know where I worked? I was never notified or properly served and I didnt know I could dispute it. I also wasnt given the proper documents to even challenge the judgement I never received anything that there was a judgement against me. I found out after my wages were garnished.
Consumer complaint received 2018-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (CA)

I started additional principal payments about 2 years ago. A year ago I realized Great Lakes was not applying the additional principal payment to the principal. They were instead keeping it as a prepayment. I called and was informed I had incorrectly set up the payment options. I changed the payment options to what customer service advised me, so that excess payments would apply to principal and not just be held as a prepayment. Tonight in checking my account I see that I still haven't gotten any credit for the excess payments and over {$1000.00} is being held as a prepayment while I'm accruing interest on my loan balance. 

As a college grad I find it unacceptable that I am not able to pay off additional principal due to confusing online payment options and inaccurate direction from customer service. 

https : //mygreatlakes.org/XXXX XXXX XXXX
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried fixing this on my own directly with the credit bureau and it has yet to be fixed. Transunion & XXXX  is reporting 2 accounts with late payments and this is incorrect. 

1. XXXX is showing 2 late payments for XX/XX/XXXX & XX/XX/2017. This is absoultely incorrect and needs to be removed immediately as it is affecting me negatively and should never have been reported. 

2. XXXX XXXX is showing 1 late payment for XX/XX/2017. This is also absolutely incorrect and needs to be removed immediately as it is affecting me negatively. This should have never been reported late and XXXX is saying it's not on their end. 

Lastly, the address being reported on both Transunion and XXXX  that has never been my address and I have disputed and it keeps getting added is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX PLEASE REMOVE THIS IMMEDIATELY.
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

This is the second complain I file with CFPB. 
Experian did not remove these unknown addresses and aka from my credit report. 
Under the Fair credit Reporting Act any incorrect information has to be removed and they have failed to do so.
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

had my vehicle stolen and burned. I contracted XXXX XXXX XXXX about the situation and they told me that was fine and insurance would cover the issue. Insurance took care of the issue several months later, but they claim that I still owe {$1400.00} on the account from the months that were not paid. This has been over several years now. I documentation from them showing that the account is paid in full. Yet they refuse to change it on the credit bureau report and they say that I still owe them {$1400.00}. I have disputed this issues with all 3 credit bureaus ( XXXX, XXXX    and Trans Union ) and requested a validation and to receive the information from the validation. No information has ever been received from any of the three credit bureaus. XXXX  list the amount owed as {$4200.00} ... XXXX XXXX XXXX and the 3 credit bureaus have ignored all request in regards to updating this information properly. See the enclosed attachments ....
Consumer complaint received 2018-03-07
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. (NY)

this account belong to someone else it was removed from my credit before and it appeared back on it please have this account removed from my credit and not put back on it because it's causing me a great deal of stress. 

XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$1000.00} Balance Updated - Credit Limit - Past Due Amount {$1000.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Ownership Individual Original Creditor XXXX XXXX. 
Company Sold-to - Original Amount {$1000.00}
Consumer complaint received 2017-11-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: World Omni Financial Corp. (FL)

I have been out of work on XXXX for a year and I have managed to get all my payments caught up until XXXX when Hurricane XXXX Came and I was without power and displaced 3 1/2 weeks.My XXXX bill was due on XXXX XXXX. 
I reached out to Southeast Toyota Finance on XXXX XXXX, XXXX asking for an extension for XXXX and was informed that they were no longer giving free extensions for hurricane victims as of XXXX XXXX. 

I informed the customer service rep that I receive a XXXX check on the XXXX of each month and I would not be able to pay the extension payment until XXXX XXXX. Even after informing SETF of my current situation ; I harassed with collection calls everyday until XXXX XXXX, XXXX ; On XXXX XXXX, I asked the rude customer service associate if I could to speak to a Manager regarding the written ceases and desist that is associated with my account. I I was told by the manager that I did not have a request on record. Exasperated I stated to the manager once again my intentions of obtaining an extension on my account once I received my XXXX check the next day. 
When I attempted to request the extension online, I received an error message and was instructed to call customer service. I called customer service on XXXX XXXX, XXXX @ XXXX XXXX and was told that, now since my XXXX bill has become due I am unable to get an extension for XXXX!!! XXXX must be paid in FULL they were willing to give me an extension on XXXX bill which is only 3 days past due. 

I am a XXXX veteran and I have been with Southeast Toyota almost 6 years and they are terrible to their customers. Sometimes life happen and bad things happen to good people ; the customer service reps make you feel horrible, they make you want to give up throw in the towel and the VEHICLE and not pay them another blood and tear stained dime. 
I am sick of the Harassing phone calls all day and if I speak to them today they will still call me right back the next or every two days regardless of what you thought you had resolved on previous conversation with the previous associate. 

They create barriers for customers to pay off loans I asked for documentation of my past extensions and agreements because you are unable to obtain information online and they send nothing in writing by mail verifying the transactions and agreements, my payoff amount has not changed in a year after almost 6 years there should be a much higher amount applied to my principle and there is no one to discuss your account with because the harassing callers do n't have access to your account or payment history they are just collectors.
Consumer complaint received 2018-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCC Business Services, Inc. (AL)

I tried applying for a rental home in XX/XX/2017 and was denied due to finding that I was charged {$300.00} from my previous apartment complex. I called the XXXX XXXX leasing office and was told I was charged for carpet due to not being cleaned prior to leaving. The home and carpet was in good condition normal wear for XXXX year living condition. I was not aware that I should have it cleaned as most apartments improve the units with painting and carpet upgrades. Upon trying to get approval of the home I was directed to pay the debt and reapply. I paid the debt with the collection agency in which I did not have a contract with NCC Business and asked for it to be deleted upon payment and a receipt. I was denied for the home with payment due to the account negatively reporting. I recently applied for another apartment and had to pay the highest deposit due to the NCC Business account reflecting on my credit report. The account is severely affecting my renting reputation as I have never been late on a payment and was not aware of the charge. I have paid the debt and sent the company letters asking to delete and remove the account from each of the 3 credit bureaus with no response. I would like for the account to be deleted/removed from my credit report/history as I was not aware of the debt and paid the balance in full.