davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Collection Management. Inc (MO)

After review of my credit reports I noticed a collection from Consumer Collection Management, account # XXXX in the amount of {$1500.00}. I sent Consumer collection management a certified letter requesting validation of debt. I received a letter from CCM which was a print out from XXXX XXXX stating I owe a debt with only the month of XX/XX/2016 provided. 

Consumer Collection management placed this debt to my credit reports without providing me the initial 30 day notice of debt. I am unaware of this debt and I would like CCM to provide a contract with my signature stating I owe CCM the alleged debt.
Consumer complaint received 2018-01-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (GA)

On XX/XX/XXXX I bought {$100.00} of bitcoin via coinbase. On XX/XX/XXXX I authorized coinbase to transfer {$87.00} from my Coinbase account to my XXXX account. The money was transferred but it also debited me another {$87.00} as if I requested another {$87.00} out of my bank account. There is no {$87.00} pending in my Coinbase wallet. I have no idea where that money went.
Consumer complaint received 2018-01-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Crow Creek Sioux Tribe (AZ)

I have been trying to contact XXXX ( XXXX XXXX XXXX ) regarding a payday loan I took out with them in XXXX of 2017 for months. Every time I call ( which is tough since I work the same time they operate ), I get a busy signal or the line hangs up while I'm on hold. I have also lost the ability to see my loan status on the site as well. I decided to do some research and found that some other people where having the same issue. I checked with the XXXX XXXX XXXX XXXX XXXX and discovered that payday loans are prohibited in state and that XXXX XXXX is not even licensed in my state.
Consumer complaint received 2018-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX//17, I applied online and was approved for a XXXX XXXX XXXX XXXX XXXX. This card comes with a 20,000 point promotional offer after spending {$1000.00} in 3 months. 

The card received was a Wells Fargo Platinum Rewards which is a different card that I applied for,
Consumer complaint received 2018-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANCO POPULAR DE PUERTO RICO (CO)

On XX/XX/XXXX I made a balance payment due of XXXX cents to my XXXX credit card from Banco Popular. 

When I received the next statement I noticed that I still owed the XXXX cents, and when I called the customer service the lady told me that the charges were reversed because when I called on XX/XX/XXXX to paid, the person took my my information wrong. 

By then they already reported my credit for the XXXX cents. 

Again I made the payment on XX/XX/XXXX for the XXXX cents, they credit my XXXX card and my balance was finally {$0.00}. 

In the meantime, they showed I was 60 days late affecting my credit score with a drop off of over 100 points. 

I called Banco Popular and they told me to write an email to customer service, but I have no response, not even acknowledgement that they read it. 

I made claims to XXXX, XXXX, and XXXX in an effort to clean my record, but they all came back with no changes. 

I am in the middle of a loan for a commercial property and this inconvenience had putting in risk the approval. 

Also because of the XXXX cents credit report that Banco Popular issued, I recieved a letter from XXXX XXXX XXXX. They closed my XXXX ( balance was XXXX ), which also affects my credit history. They stated in the letter it was due to my recent derogatory payments. 

At this moment I am also applying for guardianship for my XXXX son who is going to turn XXXX in XXXX and has a XXXX XXXX XXXX. I need my credit report as it used for the court, and I don't have good credit anymore. 

I've had this XXXX from Banco Popular for 21 years now with a credit limit of {$29000.00}, which I always paid punctually, and it is not my intention to ruin it for XXXX cents. It is very unfair to be punished for a clerk error. 

All I want is to fix my credit history. Nobody in their right mind would ruin their credit for XXXX cents. 

Thank you.
Consumer complaint received 2018-01-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (TX)

I have an auto loan with Wells Fargo Dealer Services. Over the summer ( sometime between XXXX and XXXX ) my monthly payment jumped from {$440.00} to {$470.00} without notice. I called and inquired about the price jump, and was told that Wells Fargo Dealer Services did not have proof of insurance, so the extra fees were collateral protection insurance added to my vehicle. I have attempted, since XXXX, to update my proof of insurance, but have been stonewalled every time. Wells Fargo Dealer Services currently has no practical way for me to supply them with my proof of insurance, and subsequently they continue to charge me extra money while the matter goes unresolved. I have called them several times trying to fix the matter, but nothing ever gets corrected. I have sent my insurance info to them in the mail, on a fax machine number given to me by a representative and via online website and have had zero confirmation that they received it. I am aware there is a class action settlement against Wells Fargo Dealer Services for this exact same thing, and I believe that I am being affected by their practices.
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. (FL)

I switched to another car insurance company because the payment was too high and then they report to collection company.I try many times to resolve this problem with the credit bureau ( equifax ) nothing resolve. 

You can not open a dispute. The web page does not allow it for me. This is a way to steal money from people within a legal aspect. 

They report on XX/XX/ I got insurance other company by XX/XX/.
Consumer complaint received 2018-01-26
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 (CO)

In XX/XX/ I noticed several charges that I did not recognize. After disputing them with Capital One, they ultimately determined that the charges were mine. However, I wasn't even in town when they occurred. Over the summer of XX/XX/XXXX, I wrote several letters asking Capital One to provide me with backup in the form of signed charged receipts with my signature on them proving the charges were mine. They refused to do so, continually responding with a general letter stating that they concluded their investigation and that the charges were determined to be mine. I wrote again and again and again with the same response! I finally found I no other alternative other than to dispute this situation with the CFPB. I am asking Capital One to provide me with physical proof, with MY signature, showing exactly when the charges were made, how they were made, where, etc.
Consumer complaint received 2018-04-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (AL)

First of all I got a letter in the mail from XXXX XXXX stating they are a debt collector and that I owed XXXX {$150.00}. It gave an address, phone number, and ways to pay. My XXXX account is good and I owe nothing. I read through and looked at he letter more and something seemed fishy. So I went online to research this company and immediately came across hundreds of complaints about this company being a scam and when people call they ask for your social security number even after giving them the account number they have on the letter. The other people stated they are identity thieves and want your social security to steal. They are a theft ring.
Consumer complaint received 2018-04-25
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. (TX)

There is an inquire still showing on my report that should have been deleted by law. Name of company is XXXX XXXX the removal date was back on XX/XX/2018 and still shows on my credit. I'm trying to buy a house and is affecting me on my eligibility for it. Thank you in advance for your help to this matter. XXXX XXXX XXXX
Consumer complaint received 2018-01-29
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: BBVA FINANCIAL CORPORATION (AZ)

Debit Card was lost and XXXX XXXX has not protected my rights under lost debit card with the XXXX policy. Under Dispute Case XXXX
Consumer complaint received 2018-04-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (CA)

XX/XX/XXXX : Purchased XXXX  Gift Card ( {$500.00} ) at XXXX in XXXX CA ( next to XXXX ). Had trouble activating the card, but was going to New York for the weekend, so decided to wait. 
XX/XX/XXXX : Came back from NY and went back to XXXX ( where I purchased gift card ) to sort out problem. Was told to call customer service on the back of the card, which I did. Called in to activate card at around XXXX. When I got home and logged in to check my card balance, I found that my card has been fraudulently used at a XXXX in XXXX XXXX, to the amount of {$490.00}. Called into fraud department for the gift card issuer and was told to fill out dispute form that they will MAIL to me. 
XX/XX/XXXX : called in to fraud department to ask them to change the mail address from my XXXX California address ( parent 's house ) to my XXXX  address, so I don't waste time. 
XX/XX/XXXX : called in to fraud department and confirmed that the dispute letter was sent on the XX/XX/XXXX, so it was just a matter of waiting. 
XX/XX/XXXX : Parents call me to let me know that they received the mail ( so the mailing address was not changed ... ) and that they will be mailing me the letter XX/XX/XXXX : got the letter and faxed in the filled out form. 
XX/XX/XXXX : called in again to confirm that they have received my fax ( filled out dispute form and any other documents that I provided, such as receipt ) XX/XX/XXXX : filed my complaint with CFPB because many online have said they are notoriously slow with responding, and with the help of CFPB, maybe things will be better.
Consumer complaint received 2018-01-26
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (VA)

This is the second XXXX XXXX XXXX XXXX XXXX home security system collection company I do not owe this money I made a change of address they made a mistake I followed up with the service I do not understand why they charge thousands of times and they assured me that there was no debt and they are sending me to collection i try to call direct to XXXX XXXX but the fool me is too much
Consumer complaint received 2018-01-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Transaction posted on XX/XX/2017, Reference number : XXXX. 
The company failed to file XXXX Arbitration case in violation of " XXXX Core Rules and XXXX Product and Service Rules, '' page 704 without any reasonable explanations.
Consumer complaint received 2018-01-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (NC)

I have know knowledge of this company. I have never had an account with this company. This is on my credit report fraudulently AR RESOURCES INC XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2015  {$680.00} {$1000.00} {$680.00} 3 accounts and amounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2015 {$650.00} 1 account and amount
Consumer complaint received 2018-01-29
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I recently reviewed my credit report and found a late payment. 

Creditor : Capital One Account # XXXX I was never 30 days late int he month of XX/XX/2017. 

Im not sure how this happened, I believed that I made my payment one time and promptly each month my statements were received. My only thought is that must have been billing error with my statement.
Consumer complaint received 2021-05-08
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 — Problem with personal statement of dispute
Company: M&T BANK CORPORATION (CA)

M & T bank have been with them since XXXX, never been late on a payment for any creditors. thought I made a payment which I didnt. So when I tried to make my XXXX payment I noticed I was past due. Contacted M & T right away they waived the late fees, and made my payments. They never contacted me. They had wrong phone numbers. They could have emailed me to notify me so I can pay it ASAP. Please remove from my credit score. If you go through my credit history I never miss payments. Please remove it. It was an accident! I asked M & T to remove it and they stated they couldnt remove it anymore since it was 30 days.they could of emailed me or something! This is not right. From someone who is always paying on time.
Consumer complaint received 2021-05-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MA)

On XX/XX/XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2018-01-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP (MO)

Past week and times XX/XX/18 Sunday XXXX XXXX 2 at XXXX XXXX XXXX XXXX XX/XX/18 Saturday XXXX XXXX XXXX XXXX  XXXX XXXX  XX/XX/18 Friday XXXX XXXX XXXX XXXX XXXX XXXX When you answer no one talks for about a minuet. And this is really un acceptable to be calling on a Sunday all day.
Consumer complaint received 2021-05-08
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: Experian Information Solutions Inc. (RI)

I use the Experian Credit monitoring tool to keep track of my Experian credit report as I have been trying to fix my credit. Yesterday I applied for credit with a company who uses experience as well and the credit report and score pulled by the company did not match the score in my Experian app. I was denied for credit and told that my score was 100 points lower than the score that is populated in the credit monitoring app how is this possible? What is the point of offering a tool to help consumers keep track of their credit score and report if the information displayed within the app is incorrect by more than 100 points I feel as though I am being victimized by the credit consumer agencies as Ive done everything possible to try to get my score high and they keep bringing me down to a lower score what else can I do to improve my credit? Why do you the CFPB allow these companies to take advantage of people with a lower credit score how are they monitored? Every time II have submitted a complaint you guys do nothing so I will keep filing complaints until I get a real answer
Consumer complaint received 2024-09-02
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. (MS)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX has violated my rights. I looked at my credit report on XX/XX/year>, and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). According to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 2018-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Consumer Complaint, Credit Report Complainant : XXXX XXXX, Consumer Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone No : ( XXXX ) XXXX Agency : XXXX and Experian Report Date : XX/XX/2018 Collector : XXXX Address : XXXX XXXX XXXX XXXX, IN XXXX Phone No. 
( XXXX ) XXXX Creditor : XXXX XXXX, Dept. of Education Account XXXX. : XXXX and XXXX This complaint is about the account above and the reporting of the collector, XXXX XXXX. I am XXXX XXXX, the debtor and Complainant in this complaint. Despite the regulations XXXX is obligated to abide by and my own conversations with XXXX regarding their reporting, all attempts to rectify the situation have been unsuccessful. This has made it necessary for me to file this complaint. 

The basis of my complaint is simple. I have submitted an Application for Discharge and Forgiveness based on my XXXX to the U.S. Department of Education, the creditor, along with XXXX XXXX, on this account. According to the rules stated by the Department of Education, third parties are to discontinue all collection efforts while the application is being considered. This includes negative reporting on all credit reports. 

Despite this XXXX XXXX continues to report this as a seriously past due collection account on all three reporting agencies. During my last conversation with XXXX their representative led me believe that the derogatory reporting had ended. The conversation was odd in that the agent began to argue with me then told me that the accounts were being reported as current. Based on the response I received when I asked for confirmation of this, I believe the XXXX   representative was being intentionally vague and deceitful. 

A review of my credit report shows that XXXX XXXX, the owner of my account, is reporting these accounts as Paid as Agreed with no negative comments. The XXXX XXXX account numbers are Identical to the XXXX XXXX account numbers. XXXX XXXX is reporting these under open accounts, not as derogatory accounts, as XXXX is reporting. I have done a bit of research on XXXX XXXX and it appears that they have a history of bad faith dealings with their account holders. 

I appreciate any help I can get with this problem. 

I am attaching to this complaint the pertinent documentation, which includes XXXX 2018 reports from XXXX and Experian and my Application for Discharge and Forgiveness, my own cover letter to the application and the Email confirming the Dept. of Educations receipt of the application including the date submitted.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My student loan has been paid in full, but the XXXX XXXX XXXX XXXX XXXX failed to report the debt as paid in full with a {$0.00} balance in violation of the FCRA. This has negatively impacted my credit score, access to credit, and rate provided on new credit accounts. They need to correct my credit report AND provide monetary remediation.
Consumer complaint received 2018-04-24
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: SUNTRUST BANKS, INC. (FL)

On XX/XX/2018 I used a XXXX to purchase a XXXX online. I received the voucher I purchased but was charged twice by XXXX for 2 different amounts : {$260.00} and {$290.00}. XXXX ( Suntrust ) claimed I authorized this and XXXX won't answer my inquiries. I did not receive 2 products or services. I purposely used this credit card so that if there was a dispute with XXXX, THEY would handle it for me. When I inquired about it, XXXX claimed ( case # XXXX ) that I had authorized the purchase and that was the end of it. I asked XXXX via e-mail ( the only way to contact them ) what I should have received for the 2nd charge but got no answers. I don't know which one to complain about, XXXX or XXXX. XXXX XXXX owes me a credit or XXXX owes me merchandise or a voucher for services. This is not the first problem I've had with XXXX.