davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-16
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: Convergent Resources, Inc. (IN)

After noticing a debt on my credit report I sent a letter of validation certified mail on XX/XX/XXXX ( asking for 30 day response ) to XXXX XXXX  and the credit agencies XXXX, XXXX and XXXX for validation. In return I was sent from the credit agencies that the debt was validated ( but provided no proof ) and XXXX sent a bill which is not validation XX/XX/XXXX. I sent a certified letter to XXXX XX/XX/XXXX asking for proof that they validated this debt and again no proof was provided also sending one to XXXX again.XXXX continued to report on my credit report this debt without any validation that I am the person who owes this debt and has since starting sending collection bills still with no actual validation of this debt, no contracts, no transaction history nothing. My certified letter asked for a 15 day response ( sent XX/XX/XXXX ) of validation or for this to be removed from my report and neither has been provided. XXXX and the credit agencies continue to report this debt.
Consumer complaint received 2018-01-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FirstPoint Collection Resources (NC)

Firstpoint Collections is currently trying to collect on 2 debts that I 'm not responsible for. They are reporting these damaging fraudulent accounts on my credit even after I disputed the fraud and sent the police report. This is very unprofessional and is unethical. i fell my rights are being violated as such.
Consumer complaint received 2018-01-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

In XX/XX/XXXX I WAS CONTACTED BY A DEBT COLLECTOR by mail FOR a DEBT I AM UNAWARE OF HAVE NO SIGNED AGREEMENT WITH THIS COMPANY AND I HAVE SENT POLICE REPORT, FCT REPORT PROOF OF MY IDENTITY & NOTARIZED AFFIDAVIT I am citizen of the unites states of age, would like to make a complaint against operating collection agency XXXX XXXX XXXX XXXX XXXX # act:XXXX {$15000.00} this company appears to not care about consumers rights for identity theft. I have made several attempts contacting the agency disputing fraudulent accounts. They refused to Delete & consider the ( FCRA ) FAIR CREDIT TRANSACTION ACT CONSUMER FINANCIAL PROTECTION BUREAU OF CALIFORNIA CREDIT LAWS Sections 605B, 615 ( f ), 623 ( a ) ( 6 ).
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists XXXX  XXXX XXXX the said debt collector consistently keeps updating an old debt which goes against Federal Credit Reporting Act and needs to be removed immediately
Consumer complaint received 2018-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2018 someone went into a branch and took {$2000.00} from my checking account. My wallet has been stolen and they did this to more than one of my accounts. 

This is devastating, I don't know what to do.
Consumer complaint received 2018-01-16
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Benuck & Rainey, Inc. (NH)

A few weeks ago, this agency called XXXX XXXX XXXX contacted me about some medical debt I owed. I told them I was invoking FDCPA, that they could not call me going forward, and to send the information. They stated I had to put the request in writing. I told them that FDCPA can be invoked by phone or in writing. They supposedly relented and agreed to send the information. I did get that information.

On XXXX XXXX 2018, this agency called my number again stating my wife had medical debt. They violated FDCPA by contacting my number AGAIN despite my previous invocation of FDCPA.
Consumer complaint received 2018-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Student loans dates and amounts as followes Date opened XXXX/XXXX/XXXX amount for XXXX Date opened XXXX/XXXX/XXXX amount for XXXX Dated opened XXXX/XXXX/XXXX for amount XXXX Date opened XXXX/XXXX/XXXX for amount XXXX According to section 611 of the fair credit reporting agency act should be Removed immediately I have also checked with my state attorney genral and verified that the statue of limitations for enforcing this type of debt has expired I 'm requesting all these expired items be removed from mr credit report Refer to FCRA section623 ( a ) ( 3 ) { 15 U.S.C. 1681s-2 Delet items from my file
Consumer complaint received 2018-01-16
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. (NV)

The balance of my student loan has been paid from XX/XX/XXXX to XX/XX/XXXX of a total of {$23000.00}. 

In XX/XX/XXXX and XX/XX/XXXX the payments were late and shows on my credit score.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I am disputing these accounts on my credit report due to information being inaccurate and not correct, I am requesting for validation of these debts that I have never received and for these accounts to be verified in writing to me with correct amounts and dates or to be deleted from my credit report thanks.. I will be attaching documents
Consumer complaint received 2018-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: PNC Bank N.A. (WV)

THIS INQUIRY IS UNKNOWN, PNC BANK XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Identity Theft Department/Dispute Department RE : FTC : IDENTITY THEFT REPORT # XXXX PNC BANK XXXX XXXX, 2017 Unknown inquiry, please delete
Consumer complaint received 2018-01-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NC)

Coinbase debited my account and still has not made the funds available. It has been two weeks. My bank account has been debited but I cant get any support from them. Apparently this is common with them and CFPB is the only way to get them to do anything.
Consumer complaint received 2018-01-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MS)

COINBASE Delayed Transaction Your USD will arrive by the end of day on Friday XX/XX/XXXX. 
Created XX/XX/XXXX XXXX PST XXXX USD XXXX BTC Subtotal {$2500.00} Fee {$38.00} Total Payout {$2500.00} Today is XX/XX/XXXX. I have not received my money. I have send numerous emails and tried calling Customer Service with no luck. I have not received a response and no one answers the customer service line, they put you indefinite hold. I 've held for 2 hours, no answer. I really do n't have any idea on what steps to take to get my money sent to me. This company does not have customer service and no way to get information.
Consumer complaint received 2018-01-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: DISCOVER BANK (PA)

I am currently enrolled in an accredited XXXX 's in XXXX XXXX program as of XX/XX/XXXX. I completed a request for student loan deferment with my lender, Discover Student Loans, in XX/XX/XXXX and again in XX/XX/XXXX. I was denied both times without receiving any official notification. After calling 3 times, I was told that, although my institution is showing as accredited according to the US DOE database and the proper enrollment verification form was submitted, Discover would not approve in-school deferment because the institution is not Title IV eligible. However, this was not listed a requirement in the promissory note, or anywhere on the Discover website. Additionally, Title IV eligibility relates to financial aid, which is not relevant to this request, as I am not looking to take out an additional loan.
Consumer complaint received 2018-01-16
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. (NM)

They are reporting old addresses that I no longer live at and I have provided them the correct address, but they claim it is not correct per the us postal service. I receive mail everyday and their correspondence from my complaint letters. I want them to post my current address and remove all others from my file as they can not be verified any more as I no longer live there or receive mail there, they are enabling identity fraud.
Consumer complaint received 2018-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

My Capital One Venture card was permanently restricted back in XXXX after missed payments. I had previously explained to Capital One that the missed payments were a result of my ex and my divorce and I was attempting to rectify, but they restricted my card per their terms and agreements and I am only able to make payments on the balance. 

On XXXX XXXX, XXXX, I was changed an annual membership fee of {$59.00} for the card. I have attempted to dispute this fee because I should not be changed a membership fee for a card that I can not user per Capital One. They are essentially charging me {$59.00} to make payments on a card THEY cancelled with an active balance.
Consumer complaint received 2018-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: General Motors Financial Company, Inc. (WV)

This is an unauthorized inquiry that 's being reporting by this creditor Corporate Office | GM Financial Corporate Office | GM Financial XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, TX XXXX XXXX XXXX Identity Theft Department/Dispute Department RE : FTC : IDENTITY THEFT REPORT # XXXX Gm Financial XXXX XXXX, XXXX Unknown inquiry, please delete
Consumer complaint received 2018-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OK)

Asked for and got Credit Freezes from XXXX, XXXX, Equifax and XXXX around XXXX XXXX, XXXX, based on prior experience with Identity Theft and the Equifax data breach. 

Received a letter from Equifax stating that an extended fraud alert had been placed on my credit file that would remain on file for seven years. Letter was dated XXXX/XXXX/XXXX. 

Received a letter from XXXX on XXXX XXXX ( letter dated XXXX/XXXX/XXXX ) .stating that an application for XXXX  card had been denied, based on a credit freeze at XXXX or Equifax . The application was fraudulent. Someone had used my name address and telephone number but apparently a different email and Driver 's license from mine. 

Yet I did not receive a fraud alert from Equifax. While the credit freeze worked, as XXXX was denied my data, Equifax 's advertised service of Fraud Alert did not.
Consumer complaint received 2024-10-06
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. (MI)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2018-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

My bank ( XXXX ) account was accessed as a result of fraud. My bank closed the account but neglected to move the automatic payments to the new account. 

one mortgage payment ( specialised loan servicing ) was late. 

The bank issued a letter acknowledging the problem and admitting fault. 

The company refused to take this into account and adjust the report to the credit agencies.
Consumer complaint received 2018-01-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

In XXXX 2017, my husband and I were about to sign the paperwork to purchase our new XXXX XXXX XXXX. Before we signed, we communicated several times with the sales person that we needed to make sure the vehilce had all wheel drive. We even stated that if the car did not have AWD then we would not purchase the vehicle. It would be a " deal breaker ''. The sales person assured us that the vehicle was AWD. With the first real snowfall coming this past week, my husband was driving our car as it slid along the snowy road. He asked me to look through the owners manual to see how to activatey the AWD. The manual indicated there would be a button to turn on. The button does not exist. When I called the dealerhip asking about ths, nobody could answer whether or not the car automatically turned on AWD or if it did require a button. At first, someone in the service department said that it was automatically turned on and did not require a button. When I referenced what I had read in the manual, the serviceman then investigated further and found that it did indeed require a button to turn on and was not automatic. He then referred me to the manager. I communicated our story to the manager and the fact that the salesperson insisted the car was AWD. The manager said he would invesitage further and call me back. When he called back, he basically said too much time has passed since the purchase of the car and nothing can be done to alleviate the problem. I communicated that I did not have a need for AWD in XXXX or the fall and it was n't until now that I discovered the error. He then communicated that there was nothing to be done other than to bring my car in and trade it in for a vehicle with AWD which would end up costing me more money in the end. If the salesperson had been up front with me and my husband about the car not having AWD, we would have gladly looked at another vehicle that did. We were motivated buyers. We probably would have bought another vehicle and the dealership would have still had their sale. I have XXXX children that I taxi around. AWD was a must not only for my safety but more importantly for the safety of my children. My husband and I feel as though we were taken advantage of and we were most definetly sold a car that was promised to have AWD, but does not. I did not buy the car that I thought I did.
Consumer complaint received 2018-01-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (NC)

On XXXX XXXX, 2018, I made a Bitcoin ( BTC ) transaction from my XXXX account to my Coinbase.com account. It was for a total of XXXX BTC. 

Apparently the transaction was " successful ''. However, it is now sitting in my Coinbase account as " Pending ''. So it has not cleared my account. In other words, I do not have access to this BTC, nor can I trade it, etc. If the transaction is 100 % successful, it would say " Completed '', and I would have access to this BTC.

Coinbase advertises that they will take no longer than 72 hours for a transaction. This has now taken over 16 days.

I have now sent 7 emails with details and screenshots to both  XXXX and Coinbase and asked them to respond and resolve the issue. I have received no responses.
Consumer complaint received 2018-01-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (MS)

Dovenmuehle Mortgage XXXX IncXXXX is my new Mortgage Servicer for XXXX XXXX XXXX. Dovenmuehle Mortgage paid a Homeowners Insurance premium to XXXX XXXX XXXX  without my consent, and by doing so it has left my escrow account with a negative balance. XXXX XXXX has stated to Dovenmuehle per XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. XXXX XXXX XXXX 's ) They would not be refunding the amount paid XXXX XXXX XXXX to them by Dovenmuehle. Identity Fraud and Identity Theft has been committed in this procedure I did not authorize Dovenmuehle to pay XXXX. I changed Homeowners Insurance on XX/XX/2018, to XXXX XXXX. My monthly coverage with XXXX was covered thru XX/XX/2018.
Consumer complaint received 2018-01-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OK)

It is my understanding according to the " Dispute '' rights in the terms and conditions of my XXXX XXXX XXXX that " all '' disputed charges will be credited until resolution has been reached. 

I believe following my initial request on XXXX via the XXXXXXXX XXXX website email which was for my account to be " Closed immediately '', that I should have immediately received a hard copy of my final " bill/statement '' for this account within approximately 30 days. I DID NOT receive a final " bill/statement '' and have not to date. XXXX XXXX continues to ignore fault while also continuing to add late charges and interest to the amount ( s ) in dispute. 

I feel like XXXX XXXX is " muscling '' me and trying to bulldoze me into paying for their mistakes and improper procedures. I seek your assistance in the resolution of this debate. 

Thank you.
Consumer complaint received 2018-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

LETTER DATED XX/XX/XXXX ( I RECEIVED THE LETTER XX/XX/XXXX ) ADVISING THAT MY CREDIT CARD HAD BEEN TERMINATED. WITH NO REASON WHY??? THE ACCOUNT WAS CURRENT, PAYMENTS UPTO DATE, A VERY SMALL BALANCE. 
THE CREDIT CARD HAD A REWARDS BALANCE OF OVER XXXX POINTS WHICH IS EQUIVALENT TO {$1500.00} WHICH HSBC HAVE REVERTED BACK TO XXXX. 
I HAVE TRIED SO MANY WAYS TO OBTAIN WHY THIS HAPPENED, HSBC HAVE MOVED ME AROUND SENDING ME TO THE LOCAL BRANCH WHO WOULD NOT FIND OUT OR EVEN KNOW WHAT TO DO. I HAVE TRIED TO CALL THE CORPORATE OFFICE, NO ANSWER. THEY HAVE TOTALLY MADE ME FEEL ABUSED, DISCRIMINATED AGAINST LIKE HAVE DONE SOMETHING WRONG. NOT ABLE TO FIND OUT IF THE BANK HAS BEEN GIVEN SOME WRONG INFORMATION, AND WHY THEY WOULD DO SUCH A THING. 
I NEED HELP TO FIND OUT HOW AND WHY A BANK WOULD BE ALLOWED TO DO SUCH A THING WITH NO EXPLANATION. 
LOOK FORWARD TO HEARING FROM YOU.
Consumer complaint received 2024-08-28
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

This collection agency is trying to collect funds that are not correct. I only owe utilities which is XXXX. I cleared this up with property management they sent me official documents of my move out statement and also stated that they were sent to GENESIS COLLECTIONS also and not sure why they are trying to collect funds ( $ XXXXeveryday interest ). I asked him could he please provide me with the new amount so I can pay. He stated no and I need to pay full balance when I provided them the paperwork saying I dont owe that. Complete scam and using their power to obtain funds.
Consumer complaint received 2018-01-16
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX is reporting incorrectly on my credit report. They are purposely doing so to keep my score down to force me to be stuck with there ridiculous 18 perfect rate. I have called them over and over to straighten this out. I always paid this loan months ahead they applied money incorrectly to the princable and not the payments if you check the historical information of the loan and simply do the math. I was in fact ahead on my payments what they are reporting is incorrect and there error is affecting my perfect payment history! I have had 4 auto loans never ever late my boat never ever late and this XXXX loan was never ever late. I pride myself on paying things on time this company is reporting incorrect information they refuse to admit it to purposely keep my score down so its harder for me to refinance XXXX XXXX XXXX in XXXX is not a good lender in my opinion. I would never finance with them again!
Consumer complaint received 2018-01-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (OR)

I am a XXXX XXXX working with a client trying to avoid foreclosure. He tried contacting his lender numerous times regarding options for modification. They over and over told him to complete loss mitigation package sent to him. Informed him each time he sent all the documents over that he was missing documents, they never received them or that his documents were expired by the time they got the other documents. This has continued for over 2 years now and the ct is now in the OREGON FORECLOSURE AVOIDANCE PROGRAM. We both have experienced trying to contact the account manager in the case and left a number of voicemail and never received a call back. The client and I have yet to get a finalized review for a loss mitigation options for home retention. They continue to not be responsive and prolong the process it feels like till they client has not other option due to all the fees they 've inquired by the lender prolonging the process. When the homeowner has complied and provided all the documents needed.