davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The : following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-01
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. (MO)

I sent a letter to Transunion stating that the all of the credit Inquiries, except for XXXX XXXX, on my credit report were NOT authorized by me. I asked Transunion to delete the fraudulent inquiries, but they refuse to do so.
Consumer complaint received 2018-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Coinbase, Inc. (NC)

I made a deposit to Coinbase wanting to exchange USD to buy Litecoins ( LTC ) using my XXXX credit card {$50.00} which is issued by XXXX XXXX XXXX XXXX XXXX XXXX. I later transferred {$500.00} from XXXX to Coinbase. Both were lengthy processes taking over a week or two because to set up ACH transfer you need to respond back and forth with a security code and set up amounts to prove and security the accounts back in XX/XX/XXXX. I did this verification and finally in XX/XX/XXXX I observed the transaction on my Coinbase account as XX/XX/XXXX & XX/XX/XXXX, and from electronic statements from XXXX. My problem is Coinbase double billed both amounts, the {$50.00}, {$500.00}, and a {$10.00} fee. I called XXXX about this and they said it was all requested from Coinbase. I call Coinbase and they say it was a glitch on XXXX / XXXX end. There's a ton of complaints on the internet about Coinbase double billing clients. I call Coinbase XXXX and corresponded with Coinbase via XXXX. Wrote them : Coinbase, Inc., XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. They say they have it as top priority to refund my money, but it doesn't happen. I have made multiple attempts, even provided copies of my XXXX statements. Nothing happens. They say it takes time because they can't correct quickly because of security and all transactions must be slowly & carefully handled. This is nearly 3 months. I will try to attach images of my XXXX  statements. When you contact Coinbase they will ask you for my full name : and email address. Their transaction account information is on the XXXX statements. They have a file under my account about this matter, because I request, and they acknowledge each time I talk to them on the phone. Actually they say you are only supposed to use the phone only if your account has been hacked or breached and use the Coinbase email support on all other matters, but they never reply, just a robot acknowledgement. Thank you for helping me. I got your contact information by reviewing Coinbase complaints on the internet. Sincerely, XXXX XXXX
Consumer complaint received 2017-08-16
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 am attaching a letter from XXXX XXXX XXXX ( XXXX ). The same information was sent to XXXX, Equifax and XXXX in XX/XX/XXXX and XX/XX/XXXX by XXXX advising each to delete an open record they were reporting against me for XXXX. I also wrote each bureau in XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX requesting that they follow through with XXXX 's request and delete the record. None either replied or deleted the record. This libel is affecting my credit score and contributed to a higher rate of interest on a loan I recently received. I am applying for another loan so this record is affecting it too. It is my opinion that the credit bureau 's are scams set up to discredit select classes of individuals. Further, these bureaus assert that it can take months to correct their records. This is unjustified, and I do not have months to finalize my current loan application. In this age of technology all such delay is utter nonsense and unacceptable especially given that loan considerations are impacted immediately.
Consumer complaint received 2017-08-16
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (NY)

I co-signed for my child to attend XXXX School in 2006, which was a private school. The loan at the time was under XXXX XXXX since transferred to Navient. The amount financed at the time totaled XXXX plus taxes and fees. The payments were being kept for about a year after they began. My child did not complete the course due to a problem which did not allow them to go. After that payments were not being met which Navient transferred the payments to me. The amount were being paid thru me by my child until they could not continue payments. About two years ago I was hit with another student loan under my name, in which I had no knowledge of In the amount of about {$12000.00}. I keep my paper work in ref to anything to due with money and loans. I know for a fact there is nothing with my signature or info on this second loan. So not sure If I have to sue them to correct or resolve this problem. But if I have to I will because this is illegal and should not be allowed.
Consumer complaint received 2018-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

On XX/XX/XXXX I requested the removal of a credit freeze from TRANSUNION, I was not notified of any issues, and was alerted that the freeze had been removed. When my wife and I applied for an apartment on Friday, XX/XX/XXXX, my assumption was that this freeze had been removed. 

However, I received a notification from the potential landlord on Monday, XX/XX/XXXX that the freeze was still on my account, and I would be charged an additional {$35.00} ( with no guarantee of getting this apartment ). 

When I called TRANSUNION, two people incorrectly told me that the freeze had already been removed, and refused to acknowledge that there was an issue. After 45 minutes on the phone, I finally spoke with someone who acknowledged and error. However, they told me the account needed to be frozen for an ADDITIONAL 5 DAYS, and that they would not alert me when the freeze was lifted ( I would have to sit on the phone for another hour to determine this ). It was important to confirm this, because I did not want to have another {$35.00} fee for a failed credit check. 

When I called back today, I had several people tell me that nothing was wrong with my account ( similar to last time ), I had to spend 45 minutes on the phone before someone was able to confirm that maintenance had actually been performed. 

This is an unbelievable abuse of the power, and I believe that in order to maintain all of their proper accreditation, they should put in additional stop gaps to prevent this from happening.
Consumer complaint received 2017-08-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation (TX)

I have a collection account listed on my credit reports by a debt collection agency, Deville Asset Management, collecting on behalf of XXXX. Deville Asset Management is not license to collect in the state of Texas. Therefore I am disputing to have this collection account removed.
Consumer complaint received 2017-08-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (CA)

I have called repeatedly to ask XXXX XXXX to send me my promissory note. I called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They have yet to send me the promissory note.
Consumer complaint received 2017-08-16
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. (FL)

I am attaching a letter from XXXX XXXX XXXX ( XXXX ). The same information was sent to Transunion, XXXX and XXXX in XX/XX/XXXX and XX/XX/XXXX by XXXX advising each to delete an open record they were reporting against me for XXXX. I also wrote each bureau in XXXX XXXX XXXX, XX/XX/XXXX and again on XX/XX/XXXX requesting that they follow through with XXXX 's request and delete the record. None either replied or deleted the record. This libel is affecting my credit score and contributed to a higher rate of interest on a loan I recently received. I am applying for another loan so this record is affecting it too. It is my opinion that the credit bureau 's are scams set up to discredit select classes of individuals. Further, these bureaus assert that it can take months to correct their records. This is unjustified, and I do not have months to finalize my current loan application. In this age of technology all such delay is utter nonsense and unacceptable especially given that loan considerations are impacted immediately.
Consumer complaint received 2019-07-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Business Bureau (IL)

RE : Requesting a Method of Verification Letter Dear Sir/Madam : I recently received a response to a dispute that I made under FCRA 611 ( a ) ( 7 ) regarding an erroneous item on my credit report involving a transaction with, Medical Business Bureau Partial account # XXXX Collection {$760.00} XXXX XXXX have no record of this account. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect Medical Business Bureau should be removed. 
My XXXX XXXX XXXX XXXX XXXX XXXX XXXX, payed XXXX XXXX XXXX  XXXX {$540.00} I have enclosed a copy of the Explanation of Benefits. 

So I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence. Please include all names and contact information of employees that you spoke to as part of this investigation.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully,
Consumer complaint received 2018-11-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (CA)

I used PayPal to make a purchase from XXXX XXXX on XX/XX/XXXX. I requested expedited shipping for the item.  XXXX XXXX   guaranteed delivery on XX/XX/XXXX.  Is recurved a notice from the shipper that the item would not arrive until after XX/XX/XXXX. I immediately called XXXX XXXX to cancel . They refused to refund me for 10 days.  PayPal claims to have a payment protection program, where if an item is not received they will refund you.  PayPal has not honored their policy and is protecting the vendor by allowing them to be non responsive for 10 days and hold my money
Consumer complaint received 2019-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

My Wife and I filed chapter XXXX bankruptcy on XX/XX/XXXX. 
We included our property XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX in the chapter XXXX. 
The bankruptcy discharged on XX/XX/XXXX Approximately XX/XX/XXXX I finalized surrendering the property to XXXX XXXX XXXX, because they wouldn't take it out of my name. 
I requested my credit reports on XX/XX/XXXX. I found that XXXX XXXX  XXXX and XXXX XXXX XXXX were both reporting adverse and derogatory late payments to all 3 of my Credit reporting agencies. 2 Died in Lieu 's for the same loan. 
I disputed the both to lines of negative lines to all 3 Credit Agencies on XX/XX/XXXX & XX/XX/XXXX via phone, electronic & written mail with supporting document. 
They will not remove either line off my credit report. 
I can send the full bankruptcy filing upon request ( 72 pgs ). Pertinent docs include on attachment 1.
Consumer complaint received 2017-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Onity Group Inc. (OH)

In XX/XX/XXXXI 've experience some water damage to my property my insurance company was XXXX. Over time of investigation they did release {$27000.00} which were to be broken-up in 23 payments of {$9100.00}. My 1st draw came to me in XX/XX/XXXX around the XX/XX/XXXX I hire XXXX XXXX XXXX XXXX to replace the damage carpet in the home.The amount to replace came up to {$3900.00} because that check came in their name and my name ocwen did not have a separate check for them for the {$3900.00} and XXXX XXXX XXXX would not sign off on the {$9000.00} check so I have to give them the whole check when problems occur with the contractor XXXX XXXX XXXX XXXX the price of the carpet to over {$6000.00} I chose not to use them but them would n't give me my money back. Because they thought Owen would Sue after speaking with ocwen said it was OK for them to give me the money back But our current would not tell them bad nor write a letter stating that so I did not receive the money back So XXXX XXXX still has the {$6600.00} and had it since XX/XX/XXXX And I try to get it back but they will not give it to me So moving forward I asked ocwen what can I do to we see the next draw in order to finish to work on my home they gave me an option to send in some documents which include it receipts from work I 've already done myself an proof that I try to get the money back from XXXX XXXX.After sending the information ocwen order an inspection the inspection prove that 50 % of the work in the home has already been done .The importance of that number is because each draw was based on a percentage of the work done so if 30 % of the work is done on the 1st draw then the next draw was supposed to be release so Owen sent me a check for {$3600.00} not the amount of the next draw what they sent to me was the amount of what I 've already spent in my home that 's not the correct procedure And also sent me a letter stating that when I 'm done doing all the work on the home myself an inspection is done then they will send me the rest of the money that 's not how it 's supposed to be done the insurance money is supposed to be sent to me to do the work not my own money to be used.
Consumer complaint received 2017-08-16
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: Experian Information Solutions Inc. (NY)

I have spoken to XXXX about 14 different hard inquiries on my credit report. They do n't seem to want to help me when I have asked them to provide paperwork or start and investigation to those inquiries. For example I had one XXXX XXXX XXXX Credit card ( which I have closed now, ) however, I have XXXX hard inquiries from them on my file which is outrageous. The customer service advisor and his supervisor were extremely unhelpful and would not assist me.
Below are the following listings : XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Utilities & Fuel ( XXXX ) XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX  XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX  XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXBank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXXFinance ( XXXX ) XXXX
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that TransUnion, upholds the law. This section of the law mandates that credit reporting agencies, upon receiving appropriate proof of identity theft, such as an FTC Identity Theft Report and an official police report, must block the reporting of information that the consumer identifies as resulting from identity theft within four business days. TransUnion has refused to promptly remove these fraudulent accounts. I spoke with a representative from TransUnion who informed me that this account would be blocked and removed. As an active member of the military, it is critical that these fraudulent accounts, which are the result of identity theft, be removed and blocked from my report immediately. My roles, especially those requiring security clearances, involve thorough background checks, including a review of my credit report. These fraudulent accounts could raise concerns about my financial stability, potentially jeopardizing my clearance and performance.
Consumer complaint received 2023-11-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I opened a savings account with XXXX over a decade ago due to the high-yield savings account. They changed to Capital One a few years back. I believed I was in the high yield savings account collecting the highest interest offere. When I check my account I realized I was only collecting .5 % interest and not the 4.3 they advertised.

All these years I was under the impression I was in the high yield savings account, the only one offered. The Capital one representative informed me that a few years back they introduced a new " high yield '' savings account that was the one that was actually collecting the highest interest rate. I have been saving money for the last 3 years thinking I was collecting the highest they offered. I was never informed that I had to actually open up a new savings account to get their high interest rate. 

This is shady and tricky! How many people who have been with that bank for decades are unaware that the older savings account is no longer the high yield account? I am so disappointed. As a single parent, I thought I Was doing the best thing with my money only to find out my bank did a switch on me and never communicated with me the change. I have lost out on thousands of dollars of interest! 

Check your account if you started with capital one when they were XXXX!
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I received email notification from XXXX that my credit file had been updated on XX/XX/year> at XXXX AM. I logged in to review the change and saw that Capital One had gotten a copy of my credit report ( hard inquiry ) and that my score had decreased, presumably due to the inquiry. 
I do not have any Capital One accounts and did not initiate or authorize the inquiry. I immediately contacted XXXX through the " Not you? '' link from the credit report on their website. Their fraud department added a fraud alert to my credit report and will notify the other XXXX bureaus to add the fraud alert as well. I also froze my credit report with XXXX and they further advised I should contact Capital One regarding the fraudulent inquiry and contact the other XXXX bureaus to dispute it, and consider freezing my report with both of the other bureaus. 
I called Capital One and spoke with their fraud department and explained that their company had initiated a hard inquiry today and that I did not authorize it, so I wanted to dispute it. I was told that they did not require anything additional from me at this time, as long as I contacted the credit bureaus to dispute the inquiry. 
I logged in to my XXXX and XXXX accounts and froze both reports. I received an email from XXXX requesting that I send them a valid identity theft report along with other identification documents to support my dispute of the inquiry ( thus the reason I am filing this report ). The odd thing here is that only XXXX showed the inquiry as a hard inquiry. XXXX showed XXXX soft inquiries today and XXXX did not show any inquiries today. 
I have frozen all three bureaus out of an abundance of caution and because I know that my SSN was recently involved in an online data breach, a fact I was notified of by XXXX XXXX XXXX that occurred in late XXXX of this year. To my knowledge, no accounts were opened or pending as a result of the inquiry, and no transactions of any monetary value have occurred.