davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I have sent several letters to XXXX and Experian requesting for them to remove the reporting of Bankruptcy on my credit file. I have sent letters to the Courts and they have advised me they do not report to the credit bureaus. XXXX has already deleted this information upon my request. The bankruptcy was filed in XXXX and dismissed in XXXX. These credit bureaus have purchased from my information from a 3rd party company such as XXXX XXXX without my permission. This information should be deleted. I have sent 3 certified dispute letters each to both Experian and XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they keep coming back saying Verified which is in violation of the Fair Credit reporting act.
Consumer complaint received 2018-01-26
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. (GA)

I have sent several letters to Equifax and XXXX requesting for them to remove the reporting of Bankruptcy on my credit file. I have sent letters to the Courts and they have advised me they do not report to the credit bureaus. XXXX has already deleted this information upon my request. The bankruptcy was filed in XXXX and dismissed in XXXX. These credit bureaus have purchased from my information from a 3rd party company such as XXXX XXXX without my permission. This information should be deleted. I have sent 3 certified dispute letters each to both XXXX and Equifax on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they keep coming back saying Verified which is in violation of the Fair Credit reporting act.
Consumer complaint received 2018-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Transunion along with XXXX and XXXX  are all in on the same corrupt activity. While the recent government shutdown occurred they were not allowing our yearly free credit report. You could n't even pay to see your scores. They were breaking every law in the book while the FTC was down. As soon as FTC opens back up, they all of sudden are starting to get back into compliance. They are reporting false and negative information, as well as inaccurate account balances, high balances, ect ... Then, they try to get you to pay to try and dispute inaccurate information, that should n't have been there in the first place. These guy need shut down and run out of town for their continued documented activities.
Consumer complaint received 2018-01-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

To whom it may concern, I made a SEPA bank transfer of XXXX euros on XX/XX/XXXX to Coinbase and I forgot to put the reference code in my bank order, so my money has been credited on Coinbase bank account but not credited on my coinbase account. 

I contacted their support onXX/XX/XXXX and explained my case. Since then I did not received any decent response and solution in order to get a reverse bank transfer. 

I think this is unbelivable to wait that long for just a simple customer support and with absolutely no transparency on the process. My request is involving a huge amount of money, this is insane to have no real support. My case at coinbase is # XXXX. 

The Customer service is terrific, I feel absolutely unsecured with them. I hope the Consumer Financial Protection Bureau can help me. 

Best regards
Consumer complaint received 2018-01-26
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BMW Financial Services NA, LLC (TX)

I keep getting calls from XXXX ( XXXX ) XXXX. Multiple times a day, all times of day. They keep calling to my work line. Whenever I pick up, they hang up immediately, but still continue to call throughout the day. I finally called back to find out it was a number associated with BMW financial. I do not own a BMW, and have been at this same work line for over two years. This is the first time I have gotten calls from this number. I finally was able to speak with somebody around XXXX on XX/XX/XXXX to ask them to take me off of their list. I explained that this is a work number, it is my direct line, and I have nothing to do with a BMW, and never have. I asked them to quit calling me, and again told me to take them off their list. They said my direct line is associated with an account they have. I explained to them that there is some sort of mix up, and that somebody gave them a wrong number, and they need to quit calling as this is a business line, and the person they are trying to contact is not at my work line phone number. She said they would make a not on the account. I asked to speak to a manager and she said she did n't have one. 

I came into my office this morning, and low and behold there were another two missed calls from the same exact number XXXX, from XXXX XXXX the night before. After I spoke to the person that said she would put a note on the account. Please stop these calls, this is a business line and incredibly unprofessional to be harassed constantly with these phone calls.
Consumer complaint received 2018-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I disputed a Bankruptcy reporting on my credit file back in XXXX 2017. I advised the information being reported was inaccurate and asked for XXXX to remove the BK. While the dispute was in process, I received an updated credit alert from XXXX showing the BK was removed from my credit file. I also called and spoke with a representative and they verified no longer was there a BK reporting. On XX/XX/XXXX, I received a letter from XXXX with confirmation stating a result from there re investigation stating they verified Public Record Information of a BK with a third party vendor by the name of XXXX Consumer Center. I immediately contacted XXXX to verify what is listed on my consumer file with them and the representative advised they DO NOT SHOW any public records at all on any of my consumer files with them and XXXX could not have verified this information with them. 
XXXX  continue to make illegal updates on my credit file and they continue to report inaccurate information as if they have verified this information and they do not verify as well, as the inquiries on my credit file that, they fail to assist me with disputing the inaccuracy of things being reported on my credit file.
Consumer complaint received 2018-01-26
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. (CA)

I am currently XXXX XXXX military XXXX oversea in a XXXX/XXXX XXXX   area. I submitted before XXXX all my information and during my XXXX XXXX add to my credit report all 21 of my student loans was 90 days late and damaged my credit. I submit 3 times for them to reconsider because I was in a XXXX/XXXX XXXX area. I provided the information to them and still nothing has happen with my complaint to them. I have attached the application and letter from my commanding XXXX station my location and area operation.
Consumer complaint received 2018-01-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (MI)

ANNUAL PERCENTAGERATE ThecostofYourcreditas ayearlyrate.

FINANCECHARGE Thedollaramountthe creditwillcostYou.

AmountFinanced Theamountofcreditprovidedto YouoronYourbehalf.

TotalofPayments TheamountYouwillhavepaidafterYouhavemade allpaymentsasscheduled. 
552.9667 % ( e ) {$5500.00} {$750.00} {$6300.00} I initiated contact XX/XX/XXXX. I was told that my monthly payment via phone would be {$160.00}. I was unable to see the Truth in Lending Disclosure, and upon further review realized how much interest they were charging, I made my first payment XX/XX/XXXX, and then 2 weeks later looked at my banking account and they had debited another {$160.00}. When I called to inquire about the ACH debit the customer service representative advised me that I agreed to bi-weekly payments, to which I responded No, I certainly would not have, I cant afford that. I immediately asked for a payoff amount which he quoted me as {$930.00}. I borrowed {$750.00}, to which he replied you acknowledged the APR when you e-signed the loan agreement. I told him that I could not see the truth in lending disclosure when I signed. He promptly ended the call. 

This company needs to be stopped, this is outrageous.
Consumer complaint received 2018-07-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY (MA)

I mistakenly submitted and extra {$1000.00} in paying off my loan. That check along with my payoff check of {$3100.00} ( a {$3.00} over payment ) cleared my account on XX/XX/2018. I phoned XXXX XXXX XXXX at XXXX and spoke with a woman named XXXX. She acknowledged the payments/payoff and notified me that my over payment would be sent out after 45 days. After telling her this was not acceptable I asked to speak with a supervisor. I was transferred to XXXX XXXX, she told me that I would be paid in 21 business days, again not reasonable! I offered to send her copies of my cancelled checks and allow them to verify that the checks had cleared, she declined. I feel that XXXX XXXX XXXX is committing an unfair and deceptive act or practice, they do not outline any of their policies regarding this in their contract.
Consumer complaint received 2018-01-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TFS FINANCIAL CORPORATION (OH)

I XXXX XXXX Pro Se litigant have asked to see the Original Promissory Note ( front & back ) since the very beginning of this housing dispute XX/XX/XXXX, after being denied a partial payment XX/XX/XXXX in person at the branch, and have been denied repeatedly, i have had no fairness in any of this, I've been steamrolled, and no one will hear me out. 
The staff involved has ignored every motion and anything else that I've placed into the docket, I've even reached out to the CFO of XXXX XXXX XXXX XXXX XXXX XXXX sending them a Money Order registered mail XX/XX/XXXX in the amount of {>= $1,000,000} ( to resolve things and have this foreclosure dismissed ) presenting it under ( Administrative Process ) through a Notary Presentment ... I've received no response back nor the Money Order was returned, according to UCC rules 4-104, A, B, they had 24 hours to refuse or except and neither was done. 
Everything I've put into this ght has been Underminded and disregarded by those above, I'm ghting to stay in my home, with no where else to reside with my family. but every time i look into the docket they've proceeded with something new, I've even led an appeal just XX/XX/XXXX and prior to the appeal, the the attorney XXXX XXXX has proceeded in certicate of title, order of sale to sheriff, and just yesterday XX/XX/XXXX it states that an appraisal has been done on my home as of XX/XX/XXXX and i had no recollection of this?? i don't understand how was this done without approaching me? 
They are moving very fast to steal my home, knowing very well they having no Standing .... during this nightmare I've repeatedly taken my Acknowledgement, Acceptance, And Re-Conveyance Of Deed, My Act Of Expatriation, Domicile, Declaration, And Allegiance, Certicate Of Acknowledgment downtown to the scal ofce to be rejected.. and have had all 3 documents recorded outside of Ohio, because the Fiscal XXXX County building states they are not to be accepted, so after i had these same documents recorded in ( XXXX County Georgia ) , it is said that any recorded instrument is to be recorded in its county ofce seeing its already been recorded. 
Yet I've been refused once again at the fiscal XXXX county building here in XXXX   ohio.
Consumer complaint received 2018-01-26
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: United Credit and Collections Inc. (IL)

During time we had a tenant in our property she over flowed an upstairs toilet and it leaked all the way down to the first floor into the kitchen. our insurance contacted a contractor to do the repairs, when we regained the property after having to evict our tenant due to a diff circumstance we received an additional bill from the contractors and I emailed them a response as there was still holes in the wall above our cabinets, you could plainly see where they cut out squares in the ceiling and the texture spray was coating every fixture and something that was caustic was leaked on the island which left a large spot where the gloss and some color was removed. I emailed the company about this and they never replied and no they have a debt collector calling myself, my daughter, my husband, and all of our friends on XXXX they can see who has their phone number listed. I got a message from a friend last night at XXXX XXXX stating XXXX XXXX from United Credit and Collections XXXX XXXX XXXX XXXX XXXX MO XXXX called her. This person has our phone numbers and our home address as he has sent us notification via the mail, so he is only calling everyone we know in an attempt to shame or embarrass u and is breaching our privacy, and the privacy of friends we have on XXXX.
Consumer complaint received 2018-01-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC. (NC)

When I went to make a check card purchase on XX/XX/XXXX at XXXX XXXX my debit card was declined even thought I had adequate money in my checking account with Suntrust.   After calling Suntrust I was made aware that my card was blocked and canceled in which I was issued a new card due to a dispute I made with Suntrust on a particular charge.  I wish they would have made a better effort to let me know this but nonetheless no issue I waited on my new card.  I started calling all of my auto draft accounts that were linked to the old card that was blocked and canceled to change payment method...  I only came to find out that on XX/XX/XXXX and XX/XX/XXXX they processed all of these transactions even though the only access to my checking account was thru my bank debit card which was blocked and canceled.  Now some of my auto drafts did not get processed but the ones that did cause a massive overdraft situation with a total of $XXXX in overdraft with 15 overdraft charges.  I called my branch on XXXX XXXX XXXX in XXXX and she said even though my card was blocked they still had access to my checking account...  This makes absolutely no sense since these merchants did not have my routing number or account number and only had my debit card numbers which if I would try to use would be declined.  I am looking for relief from the ridiculous $XXXX of overdraft charges to be credited back to my account.
Consumer complaint received 2018-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am really confused as to how I was reported late and I found out a charge was added to my account on a card that I never really use. I got an alert that I was reported late and I immediately paid the card. I am not sure how I overlooked this and can assure you that it was an isolated incident. This was a business credit card with XXXX  and I travel a lot for work so this might have slipped through the cracks. I have never had a late payment ever, I have had perfect credit for years and because of this charge added to my account that I was unaware of, it has changed. I can promise you that this is not like me and I really need your help.
Consumer complaint received 2018-01-26
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (OH)

I had several credit cards with XXXX XXXX that I paid off and planned to close most of them. After the cards were paid off, I received letters in the mail from XXXX XXXX showing my credit score and notifying me they were lowering my credit balance. 

I never gave Synchrony permission to run my credit, I never asked for a change in my credit line, and I do n't know what gave them the right to run my credit without my permission.
Consumer complaint received 2018-07-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I have recently made a purchase online XX/XX/XXXX with a merchant and used PayPal to transmit funds. The payments have been held up because of a typographical error on my name as entered into my PayPal account. I was informed that I needed to upload a variety of documents to verify my identity which I have done. PayPal then informed me that once they receive the information they will allow my account to be updated and release the funds to the merchant. I have complied with all of their demands and they will not release the funds to the merchant. The amount is approximately {$7700.00}. I have contacted PayPal several times between XX/XX/XXXX and XX/XX/XXXX an PayPal will not discuss any aspects of the issue with me nor will they give me any updates on the issue. I need to file a formal complaint.
Consumer complaint received 2018-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (NC)

This stems from a deposit made to a Joint Account owned by myself and my ( XXXX XXXX daughter who was XXXX at the time this account was established ). XX/XX/XXXX several deposits were made into ( Acct # XXXX ) from another Navy Federal Account ( XXXX XXXX XXXX ). I never had access to this money or benefited in anyway. I was never informed of this discrepancy. I had requested two times prior to this incident for my name to be removed from this account when my daughter turned XXXX. These request were never honored. Then XX/XX/XXXX I received my XXXX  XXXX pay in my checking acct ( XXXX ) which {$400.00} was taken from that to pay a debt I was never notified of per banking regulations. When this happened I called the bank and they refused to entertain why the money was taken and refused to refund it. I drove 3 hours to the nearest bank the morning before I put my XXXX DAughter in XXXX XXXX for XXXX XXXX after having a XXXX XXXX over the bank and their discrepancies. I went into the bank on XX/XX/XXXX where they refused to remove me from account and demanded payment even after seeing my daughter in a XXXX XXXX  unable to make XXXX XXXX. My daughters suffers from XXXX, XXXX XXXX XXXX, and XXXX which gives her XXXX, XXXX XXXX, and problems with XXXX. She just got out the hospital a week ago Thursday and now in XXXX XXXX XXXX. Details of this monies is being investigated for criminal charges. All of this has been explained to XXXX XXXX yet they want to make me the sane person responsible for a debt I had no knowledge of until they took my XXXX XXXX and then setup payment arrangement in order to refund my {$400.00}. SAD INDEED
Consumer complaint received 2018-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I applied for Capital one Secured Credit card. with an opening deposit of XXXX funded by XXXX XXXX XXXX account around XXXX XXXX. Capital one Approved my Application. They processed my opening payment. XXXX  XXXX XXXX approved the payment. Capital one then Put a 10 day hold on funds before sending out my card. XXXX XXXX I received the card. I activated card and used card, XXXX XXXX XXXX  .Capital one Restricted MY account. I was put through Identity Questions, i was cleared and accepted and account was restored. {$600.00} charge posted to my current balance. I paid {$600.00} XXXX XXXX. Capital one then placed a 5 day hold on payment. XXXX XXXX the hold was removed released my payment capital one Then restricted my account again. XXXX XXXX XXXX, i was asked series of questions i was told i needed to buy a phone in my name with a billing address that match their verification system the outcome of that i was told they will restrict my card at any time. i told them i have cricket non contract prepaid {$60.00} month to month phone with personal information like my name and my current address with my phones documents. But i am able to receive my capital one daily spent alerts on my text message, i enrolled in capital one app and was verified with my phone to register it with capital one mobile app. I was successful enrolled.2 -3 day deposit trail was processed to XXXX XXXX XXXX for verification of authorized user of account.The verification was validate and verified to capital one. XXXX XXXX my account was released from restriction. and then placed back on restriction. I was told they needed bank statements, ownership of account with bank. I provided capital one what they requested. Capital one demands outrages and violate my privacy with my bank. I have NONE RETURN PAYMENTS. I PAID MY FIRST PAYMENT EARLY. ALL PAYMENTS WAS PLACED ON 5 DAY HOLDS. AND RELEASED. I WANT CAPITAL ONE TO GIVE ME MY MONEY BACK AND CLOSE MY ACCOUNT. THAT AMOUNT IS {$440.00} THAT THEY ARE JUST HOLDING WRONGFULLY DEMANDS VIOLATING PRIVACY MISLEADING AND ODD VERIFICATION STEPS THAT REALLY PHONY SEEMS FAKE I PROVIDED ALL APPROPRIATE DOCUMENTS THEY NEED TO SEND ME MY MONEY.
Consumer complaint received 2018-01-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Hello, I received a phone call from this company several times and the first time I received a call, I requested for validation of debt, and also the representative that first called me could not verify my address nor my last four of my SSN and had an incorrect date of DOB, then the company still persisted to call me and again I told the agents I have already asked for debt validation and until you mail me the validation you should stop contacting me, furthermore, I also sent a letter via mail and email, asking for verification of debt and they finally responded with just a simple typed letter saying I owe this amount and when I called to resolve the issue another agent said she does n't know why all of this is going on and forwarded the call to a senior agent who then proceeded to tell me they will mail out the verification of debt and also when I told her why they are still calling me she said there allowed to, and started to argue with me, but sadly I did n't receive any validation following the phone call instead I received an email saying they ca n't provide anymore validation.